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Like most drivers, you are probably tired of paying too much for car insurance. The most effective way to lower your premium is to compare car insurance quotes from multiple insurers. Every company prices the same driver differently, and the gap can be over $1,000 a year for identical coverage.
ThinkInsure compares car insurance quotes from Canada's top providers, applies every discount you qualify for, and helps you get the lowest available rate. Comparing is quick, free, and there is no obligation to buy. Our licensed advisors work for you, not the insurance companies.
You can compare quotes online in a couple of minutes, or speak with a licensed advisor who will do the comparison for you. We will make sure you get the lowest rate for the coverage you need.
A car insurance quote is an estimate of how much an insurance company will charge you for coverage. It is based on the information you provide about yourself, your car, and your driving history. It is not a guaranteed price; the final price you pay might be slightly different after a full application and underwriting process.
Each company uses a custom formula to calculate quotes, so checking quotes from multiple companies to find the lowest rate is a good idea. Once you submit a quote request, insurance companies assess your risk level. They review your information to determine the likelihood you would get into an accident and how much a claim would cost them.
As part of the quoting process, you will answer a series of questions about yourself, your driving habits, and your vehicle. Here is the information you will need to get a car insurance quote:
Always be honest with the information you provide. False or misleading information makes your quote inaccurate and is grounds for a policy to be cancelled or a claim denied. Accurate information gets you a cheaper, reliable quote.
It depends on the provider. For some insurers, quotes are valid for 30 or 60 days; some may be longer or shorter. Speak with your insurance advisor for clarification. If you receive a quote you like, act quickly to secure the rate, as premiums can change as often as quarterly.
Enter your postal code and some basic information.
Tell us about your driving habits and vehicle.
Instantly see quotes from the leading insurance companies.
Choose the lowest rate, confirm the details with us, and get insured.
Each company uses a unique formula to assess your risk level and calculate your premium, and some weigh certain variables more heavily than others. There are variables you can control and others you cannot. Focus on the factors you can control to lower how much you pay. Here is what generally goes into your car insurance quote.
For how car insurance works across Canada and how the provincial systems differ, see our car insurance in Canada guide.
To illustrate how much your age affects your rates, we collected customer data from our quoter (Jan 1, 2024 - Feb 5, 2025). We found that the average rate decreases as you age:
We compared quotes from over 20 top vehicle brands. Prices can vary greatly. Using actual quotes requested from our customers, we found that prices can vary by more than $900 per year, depending on your car brand.
How much will your driving history affect your premium? The type of ticket you receive will impact how much your car insurance rates increase. Minor tickets will have less of an effect than major tickets. In the first year after a collision, you can expect an annual increase of 50% or more. In the following years (if you keep a clean record), you can expect to see a decrease.
We compared quotes from our top car insurance company partners and found that premiums can vary by up to $982 per year. Where you get your coverage can make a huge difference, so it literally pays to shop around.
There are a lot of factors that can influence your insurance premiums. There are also many things people typically believe can affect rates, but actually don’t. Here are things that do not affect your premium:
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With premiums on the rise, drivers want to know which car insurance company is best. The honest answer is that there is no single best company. Each insurer uses its own formula, so the company that is cheapest for your neighbour can be one of the most expensive for you. The best car insurance company is the one that gives you the lowest rate for the coverage you need, and the only way to find it is to compare quotes side by side.
That is the advantage of comparing quotes through ThinkInsure. Instead of one price from one company, you see quotes from Canada's top providers at once. The same driver, same car, and same coverage can see quotes that differ by over $1,000 between insurers.
ThinkInsure compares quotes and coverage from leading Canadian insurers including Intact, Aviva, Economical, Travelers, and Wawanesa. See the full list on our insurance companies page.
The takeaway: do not shop for a company, shop for a rate. Compare quotes to see which insurer is best for you today.
You can get a car insurance quote from four kinds of providers, and they are not equal. Where you get your quote decides how many companies you can compare and how much advice you get.
ThinkInsure gives you the market access of a comparison site with the advice of a licensed advisor. You compare auto insurance quotes from Canada's top providers, and the comparison is free.
Most drivers need a standard personal car insurance quote, but the right quote depends on your situation. ThinkInsure can compare quotes for different types of auto insurance policies:
Saving on your auto insurance is easy with ThinkInsure. Compare auto insurance quotes from Canada's top insurance companies in only 2-3 minutes to get your lowest rate.
Get QuotesInsurers offer a wide range of car insurance discounts to help drivers save. A ThinkInsure advisor applies every one you qualify for when comparing car insurance quotes for you to find you the best price. Ask about these types of discounts when getting a quote:
Insure more than one vehicle on the same policy.
Save up to 15%
Install winter tires on your vehicle (mandatory discount in Ontario).
Save up to 5%
Complete an approved driver training course, especially helpful for new drivers.
Save up to 10%
Some insurers offer a discount for electric and hybrid vehicles.
Varies by insurer
Loyalty, retiree, claims-free, and higher-deductible discounts can all lower your rate.
Varies by insurer
Every car insurance policy is built from mandatory coverage required in your province plus optional coverage you choose. When comparing quotes, make sure each quote is for the same coverage so the comparison is fair. Here is what your policy must include and what you should consider adding.
| Mandatory coverage | Included in all auto insurance policies | Policy limits |
|---|---|---|
| Third-party liability (TPL) | Covers liability claims against you from an at-fault accident. Basic plans have $200,000 in TPL coverage. | Coverage can be increased up to $2 million. |
| Accident benefits (AB) |
Covers the driver and passengers if injured in an accident, including costs above what OHIP covers. Includes medical, rehabilitation, attendant care, caregiver, funeral, disability income, death benefits, and income replacement. Limits apply and can be increased.
NOTE: As of July 1, 2026, several accident benefits become optional under the Ontario government's reforms outlined in the 2024 Ontario Budget. Medical, rehabilitation, and attendant care remain mandatory. Other benefits (including income replacement and caregiver benefits) become opt-in. See our Ontario auto insurance reforms guide for the full breakdown. |
Increase standard limits for both non-catastrophic ($130,000) and catastrophic ($2 million) injuries. |
| Uninsured motorist |
Also known as uninsured automobile coverage. It covers you if you are
injured by an uninsured driver or in a hit-and-run.
Standard coverage is $200,000. |
Additional coverage up to $1 million. |
| Optional insurance coverage | Coverage can be added to your policy | Recommended |
|---|---|---|
| Collision coverage | Protection if you are involved in an accident with another vehicle or an object (e.g., a tree, street sign, or light post). |
|
| Comprehensive coverage | This protects you from loss or damage from non-driving events. Coverage includes theft, vandalism, falling objects, and damage from the weather (wind, hail, flooding). |
|
| All perils | This combines collision and comprehensive. You have protection for all perils unless they are expressly excluded. | |
| Specified perils | Your policy protects all the perils listed. Anything listed is covered. This is more affordable than comprehensive while still providing most of the protection. | |
| Direct compensation property damage (DCPD) | DCPD covers damage for accidents when you are not at fault. It also covers loss of use. This is part of the no-fault system. As of January 1, 2024, drivers have the ability to opt out of this coverage using OPCF 49. |
|
| Emergency roadside assistance | Get roadside assistance when you need it. Many insurers offer this as part of their policy or as an add-on. Some services include towing, battery boost, flat tire, and more. |
Finding a cheaper car insurance quote starts with comparing, because the lowest quote for you may come from a company you may not have checked on your own. The same coverage can vary by hundreds of dollars between insurers. Beyond comparing, here are the most effective ways to get the lowest rate:
A ThinkInsure advisor compares quotes from Canada's top providers to find you the lowest available rate, at no cost to you. Compare car insurance quotes to see your lowest rate today.
We've served the Canadian insurance market for over 50 years.
RIBO & AIC licensed advisors to assist you with all your insurance needs.
Compare coverage and rates from our large selection of auto insurance providers.
Get exceptional customer service. We like happy customers and have a 4.7/5 Google rating.
Every insurer uses its own formula to price risk, so the same driver can receive quotes that differ by over $1,000 for identical coverage. Comparing quotes from multiple companies is the only way to know you are getting the lowest rate, and it is free to do.
There is no single company that is cheapest for everyone; it depends on your driver profile, vehicle, and location. Intact may be lowest for one driver while Aviva or Wawanesa is lowest for another. The only way to know is to compare quotes from multiple providers.
The fastest way is to compare quotes and switch to a lower-priced insurer. You can also raise your deductible, bundle home and auto, add winter tires, and ask an advisor to apply every discount you qualify for.
A car insurance deductible is the amount you pay out of pocket on a claim before your insurer pays the rest. Choosing a higher deductible lowers your premium, but means you pay more if you make a claim.
A quote is an estimate based on the information you provide. The final price is confirmed after a full application and underwriting. Providing accurate information up front keeps your quote close to your final rate.
Nothing. Comparing quotes and getting advice through ThinkInsure is completely free with no obligation. We are compensated by the insurance companies, so there is no cost to you.
Most drivers see rates drop at 25, with the lowest rates for mature drivers (50+). Rates are highest for drivers under 25 due to higher risk. Comparing quotes and staying claims-free helps at any age.
ThinkInsure compares and places auto insurance in Ontario and Alberta. See our Ontario car insurance and Alberta car insurance pages for province-specific rates.
Yes. You can compare car insurance quotes online in a couple of minutes, or have a licensed advisor do the comparison for you by phone. Either way it is free, with no obligation.
Yes. Auto insurance and car insurance mean the same thing in Canada, so an auto insurance quote and a car insurance quote are identical. The terms are used interchangeably.
* Based on the difference between the average lowest premium and the overall average premium from our quotes from January 1, 2024, to February 5, 2025, for drivers with a full licence and clean driving records.
** The average cost of car insurance in Canada is based on the most recent rates available for the province and territory premiums.
Content Marketing Manager
Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.
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