Ontario has a healthy and competitive insurance marketplace. As a consumer, you benefit when companies compete for your business. The Government of Ontario recognized this and introduced reforms to auto insurance rules in 1996. On average, car insurance rates in Ontario have fallen by about 10 per cent between 1996 and 1998. What all of this means for you is that you have a range of insurance companies and rates to choose from. Buying car insurance is an important decision, and now more than ever, it makes sense to shop around before you buy.

		Profile
Brockville		1	2	3	4	5	6	7
	maximum	2,641	2,816	2,524	1,222	3,954	992	1,316
	median	1,660	983	1,681	805	2,078	560	717
	minimum	616	719	1,297	537	1,639	448	543
Hamilton		1	2	3	4	5	6	7
	maximum	4,632	3,271	3,506	1,706	4,567	1,349	1,588
	median	2,368	1,233	2,508	1,233	2,961	801	1,044
	minimum	1,045	744	1,662	814	2,179	629	775
London		1	2	3	4	5	6	7
	maximum	2,600	2,314	2,666	1,505	3,904	1,024	1,178
	median	1,914	984	1,844	977	2,203	623	821
	minimum	741	628	1,440	574	1,670	473	617
Ottawa		1	2	3	4	5	6	7
	maximum	2,363	2,335	2,738	1,143	3,352	1,165	1,078
	median	1,714	945	1,939	868	2,172	623	809
	minimum	789	579	1,487	598	1,678	500	632
Sudbury		1	2	3	4	5	6	7
	maximum	2,962	3,078	2,784	1,481	4,226	1,345	1,398
	median	2,008	1,209	2,162	999	2,580	705	881
	minimum	857	778	1,637	656	1,828	533	665
Thunder Bay		1	2	3	4	5	6	7
	maximum	2,851	3,066	2,800	1,397	4,333	1,176	1,449
	median	1,961	1,213	2,066	1,000	2,475	692	875
	minimum	878	832	1,532	660	1,677	508	656
Toronto		1	2	3	4	5	6	7
	maximum	3,974	3,747	3,753	2,048	5,181	1,396	1,818
	median	2,811	1,490	2,754	1,457	3,305	916	1,202
	minimum	1,137	963	2,180	942	2,384	684	897
Windsor		1	2	3	4	5	6	7
	maximum	3,230	1,960	3,322	1,631	4,366	1,358	1,603
	median	2,333	1,263	2,385	1,232	2,871	784	1,019
	minimum	1,088	798	1,738	757	1,870	578	754

This is a car insurance rate profile chart.

The chart contains information from every insurance company that sells car insurance in Ontario, except non-standard insurance companies and the Facility Association.

A list of all insurance companies who are licensed to sell car insurance in Ontario can be found on the inside back cover of this brochure. This chart is divided according to seven different driver profiles, and provides maximum, median and minimum insurance rates for each profile in eight communities across Ontario. These eight communities are Brockville, Hamilton, London, Ottawa, Sudbury, Thunder Bay, Toronto and Windsor.

Maximum is the most a person who fits the profile exactly can expect to pay for car insurance. Minimum is the least that person can expect to pay. Median means that half the insurance companies charge less than this amount, and the other half charge more than this amount.

Remember that these seven profiles are just a very small number of millions of profiles that exist across Ontario and that the rates provided are a guide only. They should be used only to give you an idea of the wide range of rates that exist in the marketplace and how changes in the profiles may affect price.

Even with the seven profiles, rates vary considerably, so shop around. Check with us to get the exact amount you can expect to pay for car insurance.

Profile One Single Female, 1 vehicle
age 23, licensed 6 years
Class G license (without driver training)
One chargeable accident in the last year (0 years accident-free)
One minor conviction in the last three years
Drive to work: 8 km one way, annual mileage less than 16,000 km
1990 Dodge Shadow 4/5 door

Coverage:
Liability and OPCF 44R* - $500,000
Accident Benefits and Uninsured Automobile
Direct Compensation - Property Damage - no deductible
Collision and Comprehensive - $300 deductible

Profile Two Single Male, 1 vehicle
age 24, licensed 6 years
Class G license
No chargeable accidents in the last five years
Two minor convictions in the last three years
Drive to work: 5 km one way, annual mileage less than 12,000 km
1989 Ford F150 Pickup 2 WD

Coverage:
Liability and OPCF 44R* - $200,000
Accident Benefits and Uninsured Automobile
Direct Compensation - Property Damage - no deductible
Collision and Comprehensive - $300 deductible

Profile Three Married Couple, 2 vehicles
First Car: Husband, age 40, licensed 24 years
Class G license
No chargeable accidents or convictions in the last 6 years
Drive to work: 10 km one way, annual mileage less than 16,000 km 1995
Grand Cherokee Limited 4WD

Second Car: Wife, age 39, licensed 20 years
Class G license
No chargeable accidents or convictions in the last 6 years
Drive to work: 20 km one way, annual mileage less than 20,000 km
1995 Dodge Neon 4-door Highline

Coverage:
Liability and OPCF 44R* - $1,000,000
Accident Benefits and Uninsured Automobile
Direct Compensation - Property Damage - no deductible
Collision and Comprehensive - $300 deductible

Profile Four Single Parent and Son, 1 vehicle
Adult, age 40, principal driver, licensed 20 years
Class G license
No chargeable accidents or convictions in the last 10 years
Drive to work: 8 km one way, annual mileage less than 16,000 km
1990 Chevrolet Corsica 4-door

Single male, age 18, occasional driver
Licensed 2 years, 1 year G1**, 1 year G2**, newly licensed as G
No chargeable accidents or convictions since licensed

Coverage:
Liability and OPCF 44R* - $500,000
Accident Benefits and Uninsured Automobile
Direct Compensation - Property Damage - no deductible
Collision and Comprehensive - $300 deductible

Profile Five Married Couple with Son and Daughter, 2 vehicles
First Car: Husband, age 45, licensed 25 years
Class G license
No chargeable accidents or convictions in last 10 years
Drive to work: 50 km one way, annual mileage less than 40,000 km
1993 Honda Accord EX 4-door

Single male, age 19, occasional driver
Licensed 3 years with driver training, 1 year G1**, 2 years G2**, newly licensed as G
One minor conviction at G2** level

Second Car: Wife, age 40, licensed 20 years
Class G license
No chargeable accidents or convictions in last 6 years
Pleasure use only, annual mileage less than 10,000 km
1991 Plymouth Voyager

Single female, age 22, occasional driver
Licensed 2 years without driver training, 1 year G1**, 1 year G2**, newly licensed as G
No chargeable accidents or convictions since licensed

Coverage:
Liability and OPCF 44R* - $1,000,000
Accident Benefits and Uninsured Automobile
Direct Compensation - Property Damage - no deductible
Collision and Comprehensive - $300 deductible

Profile Six Senior, 1 vehicle
Adult, age 70, qualifies for retiree discount
Licensed 50 years, Class G license
No chargeable accidents or convictions in last 10 years
Pleasure use only, annual mileage less than 10,000 km
1993 Chevrolet Caprice Classic 4-door

Coverage:
Liability and OPCF 44R* - $1,000,000
Accident Benefits and Uninsured Automobile
Direct Compensation - Property Damage - no deductible
Collision and Comprehensive - $300 deductible

Profile Seven Married Couple, 1 vehicle
Husband, age 38, licensed 20 years
Class G license
No chargeable accidents or convictions in last 6 years
Drives to work: 10 km one way, annual mileage less than 16,000 km
1994 Ford Taurus 4-door

Wife, age 35, licensed 15 years
Class G license
No chargeable accidents or convictions in last 6 years

Coverage:
Liability and OPCF 44R* - $1,000,000
Accident Benefits and Uninsured Automobile
Direct Compensation - Property Damage - no deductible
Collision and Comprehensive - $300 deductible

* The OPCF 44R protects you if someone with less liability coverage than you injures you in an accident. The OPCF 44R will cover you for the difference between the at-fault driver's liability limit and your own liability limit.

** G1 refers to Graduated Licensing, Level 1. G2 refers to Graduated Licensing, Level 2.

source: (IBC) Insurance Bureau of Canada

If you have any questions about auto insurance, please email Tiffany at tiffany@hubbardinsurance.com