ThinkInsure

Auto insurance rules are shifting in a major way on July 1, 2026, and it’s going to fundamentally change how you customize your policy. 🚙🇨🇦

The provincial government is rolling out new reforms that eliminate the traditional "one-size-fits-all" approach to Statutory Accident Benefits.

Here is what you need to know:

✅ What stays mandatory: Standard medical, rehabilitation, and attendant care benefits remain automatically included in every Ontario policy.

⚠️ What becomes optional: Coverages like income replacement, caregiver benefits, housekeeping/home maintenance, and death & funeral benefits are moving to a purely optional framework.

What does this mean for you? 🤔

While existing policies will automatically renew with your current coverage levels, you will now have the power, and the responsibility, to customize these options to fit your lifestyle and budget.

Don't wait until a collision happens to find out what you are (and aren't) covered for.

Starting July 1, 2026, the Ontario government is implementing significant changes to auto insurance. All coverage except for Statutory Accident Benefits (SABS) will become optional. 🚗

This means your default policy will provide significantly lower protection unless you choose to purchase additional coverage. Medical, rehabilitation, and attendant care benefits will also be reduced.

Understanding these changes is necessary to avoid being underinsured in the event of an accident.

Read our full guide to the 2026 Ontario auto reforms: https://www.thinkinsure.ca/insurance-help-centre/accident-benefits-changes-guide-2026.html

Car insurance costs in Toronto are higher than the provincial average due to heavy traffic, long commutes, and higher rates of auto theft and fraud - the average annual cost for a policy in the city is $2,246. 🏙️

We help you find lower rates by comparing quotes from the leading insurance companies in Canada. Our Toronto car insurance brokers are experts in the GTA market and can help you identify the most affordable options for your specific neighbourhood. 🚗