Personal Insurance · Windsor-Essex
Auto Insurance
Your car gets you everywhere. Let's make sure it's properly protected — without the runaround.
Compare Ontario auto options through an independent broker who explains what you're actually buying.
Ontario auto insurance through an independent Windsor-Essex broker — explained in plain language, compared across multiple markets.
What does auto insurance actually protect?
Ontario coverage building blocks — explore each one visually.
Liability Coverage: Third-party liability is mandatory in Ontario. It responds when you're legally responsible for injuring someone or damaging their property in an accident.
Liability Coverage
Third-party liability is mandatory in Ontario. It responds when you're legally responsible for injuring someone or damaging their property in an accident.
The Premium difference
Why a broker?
One relationship. Multiple markets. Coverage explained in plain language.
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One driver
Your vehicle, your driving history, your coverage needs.
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Multiple insurance markets
Independent access to personal lines carriers — not one company's shelf.
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Premium broker
Windsor-Essex advice that explains options in plain language.
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Right-fit coverage
Coverage matched to how you actually drive — not a one-size template.
A lot to protect? Good thing we have options.
Auto is just one piece. Explore other personal coverage from Premium.
Auto insurance FAQ
Straight answers to common Ontario auto insurance questions.
Yes. Ontario law requires you to carry automobile insurance before driving on public roads. A standard policy includes minimum third-party liability coverage of $200,000, uninsured automobile coverage, and direct compensation–property damage coverage (with limited opt-out rights), along with statutory accident benefits. For policies entered into on or after July 1, 2026, only medical, rehabilitation, and attendant care benefits are mandatory within accident benefits — other accident benefits such as income replacement are optional. Physical damage coverages like collision and comprehensive are also optional.
Ready when you are
Your car.
Your coverage.
Let's make it easy.
Tell us about your vehicle — we'll compare options and explain what actually fits.