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The two Ontario price champions: Economical/Sonnet leads on clean-record pricing with the most negative FSRA approval trend (-1.31%), while Belairdirect’s automerit rewards safe driving with up to 25% — but its latest approval is +1.41%.
| Age 25 | $2,360–$2,360 |
| Age 35 | $1,960–$1,960 |
| Age 45 | $1,960–$1,960 |
| Age 55 | $1,760–$1,760 |
| Age 25 | $2,420–$2,420 |
| Age 35 | $2,020–$2,020 |
| Age 45 | $2,020–$2,020 |
| Age 55 | $1,820–$1,820 |
Clean record and no telematics → Economical/Sonnet. Safe driver happy to use the app → Belairdirect.
Price ranges are rate-table estimates based on public industry data and regulatory approval trends; final premiums are subject to carrier underwriting.