FSRA will now be posting rate filing decisions within days of approval.  Combined with new search features, the new database provides consumers with:

  • timely information about approved rate changes for every auto insurer in Ontario; 
  • improved transparency of approvals; and
  • greater accountability among auto insurers for the rates they charge consumers.   

You can now search approved rate filings by an auto insurers’ master brand name (public facing company name). Approvals will be updated regularly to the database which also includes approvals dating back to January 1, 2018.

FSRA encourages consumers to use the database as a signal of a potential rate change coming their way. Consumers can decide whether to contact their insurer for more information, shop around for a better deal, or both.

Factors that impact auto insurance rates include risk, market conditions, and legislation/regulation.  Learn more about auto insurance and factors that impact your premium at FSRA’s new Auto Insurance Consumer Hub.

2020 Rate Changes

As of August 31, there were 74 rate applications approved.

Most related to COVID-19 and the impact of fewer drivers on the road. Auto insurers filed these changes using FSRA’s Emergency rate filing process to enable rapid implementation. Emergency rate filings include rebates, rate reductions and the delay, change or withdrawal of pre-Emergency approved increases.

These filings do not appear in the rate filing approval database due to the features of the emergency filing process. Since the beginning of the pandemic, auto insurers have reported $992 million in consumer relief. FSRA’s report on consumer relief provides more detail.

Rate approvals prior to the Emergency generally reflected higher physical damage costs and, to a lesser degree, higher injury related costs.

FSRA will now be reporting average premiums in dollars. This provides consumers with a basis of comparison to what they are actually paying.

InsurerInsurer GroupApproved Rate Change (%)Renewal Effective Date Sort ascending
Wawanesa Mutual Insurance Company (The)Wawanesa-0.04
Farm Mutual Reinsurance Plan Inc. (on behalf of Ontario Mutuals)FMRe0.00
Dominion of Canada General Insurance Company (The)Travelers0.00
Allstate Insurance Company of CanadaAllstate0.00
Pembridge Insurance CompanyAllstate0.00
Commonwell Mutual Insurance Group (The)Commonwell-0.10
Co-operators General Insurance CompanyCo-op0.34
Portage la Prairie Mutual Insurance Company (The)Portage-0.03
Federated Insurance Company of CanadaNorthbridge0.00
Primmum Insurance CompanyTD0.00
TD General Insurance CompanyTD0.00
Belair Insurance Company Inc.Intact-1.85
Security National Insurance CompanyTD0.00
Aviva General Insurance CompanyAviva0.00
Gore Mutual Insurance CompanyGore-4.96
Heartland Farm Mutual Inc.Heartland-0.42
Jevco Insurance CompanyIntact0.00
Intact Insurance CompanyIntact-2.15
Sonnet Insurance CompanyEconomical0.00
Verassure Insurance CompanyNorthbridge0.00
Economical Mutual Insurance CompanyEconomical4.09
Certas Direct Insurance CompanyDesjardins3.94
Personal Insurance Company (The)Desjardins3.85
Certas Home and Auto Insurance CompanyDesjardins4.96
S&Y Insurance CompanyAviva6.31
CAA Insurance CompanyCAA3.95
Novex Insurance CompanyIntact0.00
Pafco Insurance CompanyAllstate5.00
Unica Insurance Inc.La Capitale4.78
Unifund Assurance CompanyRSA3.00
CUMIS General Insurance CompanyCo-op0.36
Royal & SunAlliance Insurance Company of CanadaRSA5.00
COSECO Insurance CompanyCo-op10.12
Echelon InsuranceCAA5.00
SGI CANADA Insurance Services Ltd.SGI9.99
Western Assurance CompanyRSA5.00
Zenith Insurance CompanyNorthbridge4.93
Scottish & York Insurance Co. LimitedAviva11.05
Aviva Insurance Company of CanadaAviva5.41
Traders General Insurance CompanyAviva0.00
Guarantee Company of North America (The)Intact7.54
Mitsui Sumitomo Insurance Company, LimitedChubb6.28
Facility AssociationFA0.00
Northbridge General Insurance CorporationNorthbridge0.48
Continental Casualty CompanyContinental8.09
Chubb Insurance Company of CanadaChubb6.28
Coachman Insurance CompanySGI7.50
Northbridge Personal Insurance CorporationNorthbridge10.52
Optimum Insurance Company Inc.Optimum7.00
Sovereign General Insurance Company (The)Co-op0.00
Hartford Fire Insurance CompanyHartford34.87
AIG Insurance Company of CanadaAIG0.00
Tokio Marine and Nichido Fire Insurance Company LimitedTokio0.00
Liberty Mutual Insurance CompanyLiberty0.00
Esurance Insurance Company of CanadaAllstate0.00
Zurich Insurance CompanyZurich0.00
XL Specialty Insurance CompanyXL0.00