Auto Insurance Rates in Ontario for 2010

Auto insurance rates in Ontario are climbing steadily. Many insurers have raised their rates substantially over the past few years.All of the statistics on this page are from the Financial Services Commission of Ontario (FSCO) website. FSCO regulates the auto insurance in Ontario

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By: Kanetix Car Insurance

Percentage of Ontario auto Insurance Companys that changed Rates in 2010

  • In the first quarter of 2010 97.18% of the market had rate changes for an average increase of 5.53%
  • In the second quarter of 2010, 100% of the market had rate changes for an average decrease of 1.03% (note that this might result in average rates being the same)
  • In the third quarter of 2010, 45.30% of the market that had rate changes approved, the average rate change was -0.21%
  • In the fourth quarter of 2010, 54.15% of the market that had rate changes approved, the average rate change was +3.57%

List of Most Auto Insurance company's in Canada - Auto Insurance Rates in Ontario

A few smaller insurers are missing, including many of the smaller Mutual Insurance companies

This list shows the average increase approved for each carrier. This means that a rate increase does not mean that everyone's policy went up by that much. Some may have gone down and others gone up. This depends on the insurance companies filed rules

Auto insurance rates in Ontario A - C

Allstate Insurance Company of Ontario
1.80% rate increase approved in the second quarter of 2009
1.01% rate decrease in the first quarter of 2010
2.01% rate decrease in the second quarter of 2010
0.08% rate increase in the third quarter of 2010
6.52% rate increase approved in the fourth quarter of 2010

Aviva Insurance Company of Canada
5.00% rate increase approved in the second quarter of 2009
14.00% rate increase in the first quarter of 2010
2.34% rate decrease in the second quarter of 2010
1.39% rate decrease in the third quarter of 2010

AXA General Insurance -
4.60% rate increase in the first quarter of 2009
7.30% rate increase approved in the third quarter of 2009
0.03% rate decrease in the second quarter of 2010
0.05% rate increase approved in the third quarter of 2010
4.38% rate increase approved in the fourth quarter of 2010

Belair Insurance Company (Belair Direct)
-0.47% rate increase approved in the second quarter of 2009
5.10% rate increase approved in the fourth quarter of 2009
3.17% rate increase in the first quarter of 2010
2.57% rate decrease in the second quarter of 2010

CAA Insurance Company
12.10% rate increase approved in the second quarter of 2009
0.64% rate decrease in the second quarter of 2010
2.74% rate increase approved in the third quarter of 2010

Certas Home and Auto Insurance Company
4.50% rate increase approved in the second quarter of 2009
2.15% rate increase approved in the fourth quarter of 2009.
0.02% rate decrease in the second quarter of 2010

Chubb Insurance Company of Canada
2.00% rate increase in the first quarter of 2009
0.09% rate decrease in the second quarter of 2010

Coachman Insurance Company
5.83% rate decrease in the second quarter of 2010

Cooperators General Insurance Company
3.42% rate increase in the first quarter of 2009
4.98% rate increase approved in the third quarter of 2009
2.49% rate increase in the first quarter of 2010
0.04% rate decrease in the second quarter of 2010

COSECO Insurance Company
5.76% rate increase in the first quarter of 2009
10.40% rate increase approved in the second quarter of 2009
-1.07% rate increase approved in the third quarter of 2009
10.53% rate increase in the first quarter of 2010
1.98% rate decrease in the second quarter of 2010
0.63% rate increase approved in the fourth quarter of 2010

CUMIS General Insurance Company -
4.98% rate increase approved in the fourth quarter of 2009.

Auto insurance rates in Ontario D - F

The Dominion of Canada General Insurance Company -
-0.82% rate increase in the first quarter of 2009
5.36% rate increase approved in the second quarter of 2009
7.79% rate increase in the fourth quarter of 2009.
0.18% rate increase in the first quarter of 2010

Echelon General Insurance Company
6.36% rate increase approved in the third quarter of 2009
4.16% rate increase in the first quarter of 2010
7.24% rate decrease in the second quarter of 2010
6.96% rate increase approved in the third quarter of 2010

Economical Mutual Insurance Company
6.73% rate increase approved in the second quarter of 2009
3.90% rate increase in the first quarter of 2010
0.42% rate decrease in the second quarter of 2010

Elite Insurance Company (Aviva Elite)
4.50% rate increase approved in the second quarter of 2009
9.50% rate increase in the first quarter of 2010
3.14% rate decrease in the second quarter of 2010

Federation Insurance Company of Canada (Economical)

Auto insurance rates in Ontario G - I

Gore Mutual Insurance Company
6.65% rate increase in the first quarter of 2009
6.00% rate increase in the first quarter of 2010
3.12% rate decrease in the second quarter of 2010

The Guarantee Company of North America
4.22% rate increase in the first quarter of 2009
4.01% rate increase approved in the fourth quarter of 2009.
2.79% rate decrease in the second quarter of 2010

Intact Insurance Company -
5.51% rate increase approved in the second quarter of 2009
3.75% rate increase approved in the fourth quarter of 2009.
0.60% rate increase in the first quarter of 2010
1.79% rate decrease approved in the third quarter of 2010
2.00% rate increase approved in the fourth quarter of 2010

Auto insurance rates in Ontario J - L

Jevco Insurance Company
9.97% rate increase approved in the third quarter of 2010

Liberty Mutual Insurance Company

Lombard Insurance Company
5.10% rate increase approved in the second quarter of 2009
5.19-10.96% rate increase in the first quarter of 2010
0.01-0.05% rate decrease in the second quarter of 2010
3.67% rate increase approved in the fourth quarter of 2010

Auto insurance rates in Ontario M - O

The Nordic Insurance Company of Canada
6.71% rate increase approved in the second quarter of 2009
9.40% rate increase approved in the fourth quarter of 2009.
7.36% rate increase in the first quarter of 2010
0.80% rate decrease approved in the third quarter of 2010

North Waterloo Farmers Mutual Insurance Company -
5.78% rate increase approved in the second quarter of 2009
5.54% rate increase approved in the fourth quarter of 2009.
3.35% rate decrease in the second quarter of 2010

Novex Insurance Company (Intact)
5.81% rate increase approved in the second quarter of 2009
2.10% rate increase in the first quarter of 2010
1.08% rate increase approved in the fourth quarter of 2010

Auto insurance rates in Ontario P - R

Pafco Insurance Company -
3.20% rate increase approved in the fourth quarter of 2009.
2.25% rate decrease in the second quarter of 2010
10.03% rate increase approved in the fourth quarter of 2010

Pembridge Insurance Company -
6.08% rate increase approved in the third quarter of 2009
3.85% rate decrease in the second quarter of 2010

The Personal Insurance Company
8.00% rate increase approved in the second quarter of 2009

Perth Insurance Company (Economical) -
4.40% rate increase approved in the third quarter of 2009
9.70% rate increase approved in the first quarter of 2010
3.05% rate increase approved in the fourth quarter of 2010

Pilot Insurance Company (Aviva)
7.50% rate increase approved in the second quarter of 2009
18.50% rate increase approved in the first quarter of 2010

Primmum Insurance Company -
3.00% rate increase approved in the second quarter of 2009
3.00% rate increase approved in the fourth quarter of 2009.
10.84% rate increase approved in the first quarter of 2010
5.55% rate decrease in the second quarter of 2010
0.06% rate increase approved in the fourth quarter of 2010

RBC General Insurance Company -
4.48% rate increase in the first quarter of 2009
5.84% rate increase approved in the fourth quarter of 2009
. 5.43% rate increase approved in the first quarter of 2010
8.03% rate increase approved in the fourth quarter of 2010

Royal & Sun Alliance Insurance Company of Canada
4.93% rate increase approved in the third quarter of 2009
6.48% rate increase approved in the fourth quarter of 2010

Auto insurance rates in Ontario S - U

Scottish & York Insurance Co Limited
10.00% rate increase approved in the second quarter of 2009
20.10% rate increase approved in the first quarter of 2010
8.07% rate decrease in the second quarter of 2010
1.17% rate decrease approved in the third quarter of 2010

State Farm Fire and Casualty Company
5.59% rate increase approved in the third quarter of 2009
7.24% rate increase approved in the first quarter of 2010
6.44% rate increase approved in the fourth quarter of 2010 (Mutual)

Trafalgar Insurance Company of Canada
4.50% rate increase in the first quarter of 2009
6.16% rate increase approved in the third quarter of 2009
9.42% rate increase approved in the first quarter of 2010
5.57% rate increase approved in the fourth quarter of 2010

TD General Insurance Company -
10.00% rate increase approved in the second quarter of 2009
10.00% rate increase approved in the fourth quarter of 2009.
27.30% rate increase approved in the first quarter of 2010
0.71% rate decrease in the second quarter of 2010
0.28% rate decrease approved in the fourth quarter of 2010

Traders General Insurance Company -
5.00% rate increase approved in the second quarter of 2009
15.00% rate increase approved in the fourth quarter of 2009.
2.74% rate decrease approved in the third quarter of 2010

Unifund Assurance Company
5.34% rate increase in the first quarter of 2009
2.27% rate increase approved in the first quarter of 2010
0.03% rate decrease approved in the third quarter of 2010

Auto insurance rates in Ontario W - Z

The Wawanesa Mutual Insurance Company
4.94% rate increase in the first quarter of 2009
9.72% rate increase approved in the third quarter of 2009
8.98% rate increase approved in the first quarter of 2010

Western Assurance
6.79% rate increase approved in the fourth quarter of 2009

York Fire & Casualty Insurance Company -
9.86% rate increase approved in the fourth quarter of 2009
11.98% rate increase approved in the fourth quarter of 2010

Zenith Insurance Company -
10.00% rate increase approved in the fourth quarter of 2009
0.03% rate decrease in the second quarter of 2010
3.04% rate increase approved in the fourth quarter of 2010

Zurich Insurance Company
0.01 rate decrease in the second quarter of 2010

Many of these insurers are available online through a leading Canadian insurance market. Check it out and get quotes here:

Other Pages of Interest That Might Help You With Auto Insurance Rates in Ontario

car insurance in Ontario Canada
Car Insurance Canada
Car Insurance Quote Canada
Auto Insurance Questions

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