Save an average of 30% on car insurance in just three minutes.

Our brokers will help you secure the best car insurance in Toronto by comparing quotes from the leading companies in Canada.

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We compare rates from Canada's top providers, including:

Car insurance in Toronto.

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City living is expensive. Why not save on auto insurance in Toronto?

We'll help you find the best coverage for the lowest rate.

Our brokers have expert knowledge of the policies and products best suited for Toronto drivers.

Find a great rate using our free, online quote tool and give us a call to discuss your options: 1-855-754-0350.


How does it work?

Enter your information – it takes less than three minutes.
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Get up to 10 quotes for car insurance in Toronto.
Secure your rate by talking to a licensed broker.

How to save on car insurance in Toronto.

Toronto is home to some of the busiest roadways in the world.

From downtown city driving to navigating the surrounding highways, the traffic is so intense that all drivers in Toronto, Ontario need great car insurance coverage.

To reduce your rate, a licensed broker will help you customize your policy beyond legally required coverages.

We'll make sure that you have the coverages you need, but aren't paying for those you don't need.

At a minimum, every vehicle insurance policy in Toronto must include third-party liability, accident benefits, direct compensation-property damage coverage (DCPD) and uninsured automobile coverage.

Additional coverages can include:

Collision: Covers car replacement or repair costs if your car is damaged in a collision and you’re at fault.

Comprehensive: Covers damage by debris, earthquake, explosions, theft, vandalism and weather events.

Specified perils: Covers damage from a short list of perils that are specifically named in your Toronto automobile insurance policy such as attempted theft, damage in transport, earthquake, explosions, fire, lightning, riots or windstorm.

All perils: Covers many perils. Broadly, has similarities to collision and comprehensive coverage.

So that you can get the best car insurance in Toronto, our brokers are available to answer any questions you may have about your policy options.


The most popular cars in Toronto.


Vehicle type is one of the variables that insurance carriers consider when trying to determine a rate.

In general, those with higher safety ratings are likely to have a lower premium.

Luxury vehicles, on the other hand, which are designed more for performance than safety, tend to be expensive to insure. 

In a poll of our applications, between June 2019 and June 2020, the following brands were most popular with Toronto drivers:


Why use

We’ve helped thousands of Toronto drivers find better car insurance rates.

We pull quotes from carriers across Canada and our brokers work one-on-one with you to customize your plan and help you lock in savings.


Get a free quote today.

It’s fast, free, and help is just a call away.

Call us – we’re ready to help.

Frequently Asked Questions about auto insurance in Toronto.

I don’t know how to get cheap car insurance in Toronto. Where do I begin?

Trying to save money while living in Toronto can be daunting.

Start by identifying negotiable costs. For example, depending on how you use your car in Toronto, lower insurance rates may be available to you.

Use our free, online quote tool to compare rates from up to 10 companies. It’s an easy form to fill out and will produce results in less than three minutes.

Connect with one of our brokers to confirm if you can save by adjusting some of the details you input into the quote tool.

There are a number of variables that insurance companies consider when providing a quote. Updating a single detail in your application could significantly affect the quotes you're eligible for.

Give us a call and we’ll review your options with you: 1-855-754-0350.

How much does car insurance cost per month in Toronto?

From Victoria, B.C. to Toronto, Ont. to St. John’s, Nfld., location is only one of the factors car insurance companies consider when calculating your rate.

Other variables that help determine your car insurance costs include: driving experience, claims history, coverage type, vehicle type.

To find the best car insurance in Toronto for the lowest rate, start by using our free, online quote tool.

Next, to secure the best rate and lock in additional savings, connect with one of our brokers: 1-855-754-0350.

A broker can also share with you tips on how to lower your insurance costs further. For example, you may qualify for a different rate if you bundle your policies so that all are held by a single company.

Which car has the cheapest insurance in Toronto?

A number of variables go into determining car insurance rates. Location is an important factor, but is considered together with others like the policy holder’s driving record and claims history.

Based on applications in our database, drivers pay about $3,000 each year for automobile insurance in Toronto.

Rates in surrounding cities, however, tend to be higher. For example, a recent review of insurance rates across the province reflects that car insurance rates for Brampton, Ont. drivers are up to 42% higher than for Toronto drivers.

To find the cheapest car insurance in Toronto, start by comparing quotes using our free, online tool.

Next, speak with a broker to discover savings you may be eligible for: 1-855-754-0350.

We'll help you find the best insurance for the lowest rate.

Is car insurance mandatory in Toronto?

Yes, across Canada, all drivers are required, by law, to have car insurance.

Each province has its own laws regarding the minimum type of car insurance coverage required.

What happens if you’re caught driving without insurance in Toronto

It’s illegal in Canada to drive without car insurance.

Drivers caught without one may be subject to a fine.

At a minimum, Toronto drivers must have third-party liability, accident benefits, direct compensation-property damage coverage (DCPD) and uninsured automobile coverage.

Is it safe to get car insurance online?

Yes, it’s 100% safe to buy car insurance online.

We've helped thousands of Canadians save millions of dollars on insurance.