Insurance Learning Centre

Insurance Cost Guides

How much does insurance actually cost in Ontario? Real price ranges for every major coverage type, and the factors that move your premium up or down.

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Auto Insurance

Key factors: Driving record, location, vehicle type/age, coverage limits, deductible choice
$1,200 – $3,500/year
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Home Insurance

Key factors: Home age & construction, location, replacement cost, claims history, add-ons (sewer backup, flood)
$1,200 – $2,500/year
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Condo Insurance

Key factors: Unit size, location, contents value, liability limit, improvements & betterments
$300 – $700/year
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Tenant Insurance

Key factors: Contents value, liability limit, location
$250 – $500/year
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Rental Property Insurance

Key factors: Property type, loss-of-rent coverage, liability limit, number of units
$1,500 – $3,000/year
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Term Life Insurance

Key factors: Age, health, smoking status, coverage amount, term length
$25 – $80/month for $500K (age 30s)
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Super Visa Insurance

Key factors: Applicant age, pre-existing conditions, coverage amount ($100K minimum)
$1,200 – $2,500/year
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Visitor Insurance

Key factors: Age, coverage amount, trip length, pre-existing conditions
$50 – $150/month
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Critical Illness Insurance

Key factors: Age, health, smoking status, coverage amount, term vs. permanent
$30 – $80/month for $100K
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Disability Insurance

Key factors: Income, occupation class, elimination period, benefit period
$50 – $150/month
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Commercial / Business Insurance

Key factors: Industry, revenue, number of employees, liability limits, property value
$1,000 – $5,000+/year
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Contractor Insurance

Key factors: Trade type, liability limit, tools/equipment value, revenue
$800 – $6,000+/year
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Truck Insurance

Key factors: Vehicle weight class, radius of operation, CVOR record, cargo type
$3,000 – $18,000+/year per unit
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Professional Liability / E&O

Key factors: Profession, revenue, coverage limit, claims history
$500 – $3,000+/year
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Cyber Insurance

Key factors: Business size, data sensitivity, coverage limit, security practices
$400 – $5,000+/year
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Restaurant Insurance

Key factors: Seating capacity, alcohol service, equipment value, location
$2,000 – $12,000+/year
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All figures are general estimates for the Greater Toronto Area and can vary significantly based on individual circumstances. Get a free, personalized quote for an accurate price.

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