Car Insurance

Helping Canadian Drivers Save On Auto Insurance

Car insurance in Canada is as diverse as our provinces and territories. There are more than 25 million licensed drivers and more than 33 million registered vehicles on our roadways. All have a common goal – to get the best car insurance quotes in Canada and save money on insurance coverage.

Why Choose ThinkInsure? For over 45 years we’ve helped Canadian drivers save on insurance. Quickly compare car insurance quotes and get the best coverage and rates.

Find The Lowest Rates From Top Insurers Find The Lowest Rates From Top Insurers

More choice is better. Compare quotes and get coverage from a large selection of Canadian insurance companies. Find the coverage you need at the best price.

Get Expert Savings And Coverage Advice Get Expert Savings And Coverage Advice

Get your car insurance questions answered. We’re independently owned so you'll get unbiased advice and a better understanding of the best policy for you.

Car Insurance Service With A Smile Car Insurance Service With A Smile

We’re always here to help. Get assistance with ALL your auto insurance needs. Get 24/7 claims service, renew or update your policy, compare quotes, and much more.

Customized Car Insurance Coverage Tailored To Your Needs

Get the coverage you need. Find flexible car insurance solutions. Customize your insurance policy. Get the right coverage and protection. You have coverage options. We’ll help you find the best coverage for your driving needs:

You’ll Find The Best Car Insurance Discounts

Bundle and save big!

Bundle and save big!

Instantly save money on your home and auto insurance policies. Simply combine them with the same insurer. It’s that easy.

Use a driving app to save more

Get rewarded for driving safe. How you drive will determine how much you save. The safer your drive, the more you save. It’s risk free!

Use a Driving App best savings
Insure multiple vehicles Insure multiple vehicles

Have multiple vehicles? Have more than one car in the family? Bundle coverage for all vehicles with one insurer and save.

Use winter tires Use winter tires

Install winter tires and save up to 5% instantly. Drive safe and save!

Drive an electric vehicle Drive an electric vehicle

Get rewarded for driving a green vehicle. If you drive an electric or hybrid vehicle you’ll qualify for auto insurance savings.

Be a loyal customer Be a loyal customer

Loyalty pays in the form of car insurance policy savings. Renew with your current provider to get a discount. The longer you stay, the more you can save.

Retiree and seniors Retiree and seniors

Recently retired? Are you a senior driver? Get reward for your experience behind the wheel. Save up to 10%.

Complete driver training Complete driver training

Start off driving the right way. Complete a government approved driver training program and save on your insurance rates.

It’s Easy To Compare Car Insurance Quotes And Get Coverage

Find the best rates and get insured quickly

Comparing car insurance quotes is easier than you think. Get quotes from the top Canadian insurers in minutes. It is as simple as 1-2-3:

Provide your car insurance details Provide your car insurance details

Tell us a bit about yourself, the vehicle you drive and your coverage needs.

We’ll shop for the lowest rates We’ll shop for the lowest rates

We’ll compare rates and coverage from the top car insurance companies.

You select lowest price and buy your policy You choose the best rate and get coverage

We'll help you select the best rate and coverage for your needs. Then you buy your policy and you're insured.

What Is The Average Auto Insurance Cost In Canada?

Auto Insurance Coast

Car insurance costs in Canada vary widely from province to province. Where you live will impact your rates. The average annual insurance rates are the highest in British Columbia at $1,832 and the lowest in Quebec at $717. The average premium for Canadian drivers is $1,244.

Average Car Insurance Rates By Province

The province you live in has a big impact on how much you pay for car insurance. Average car insurance rates are much different in every province. Here is a breakdown of yearly Canadian car insurance rates by province from the Insurance Bureau of Canada.

Average Provincial Car Insurance Rates In Canada

Get Coverage From The Leading Canadian Car Insurance Companies

Shop and save by comparing rates from the top brands

Comparison shopping is the most effective way to find the coverage you need and save. You can do both at the same time with ThinkInsure. Compare quotes and coverage from Canada’s top car insurance providers. You tell us about your car insurance needs and we’ll shop around for coverage. We give you the most insurance options.

See all companies

Cheap Car Insurance Ontario

Things You Need To Know About Car Insurance In Canada

It’s simple. There are two easy ways to get quotes. You can:

  1. Compare car insurance quotes online
  2. Call us at 1-855-550-5515

Answer questions about your location, vehicle, and driving history. See what discounts you qualify for and compare coverage options.

Our insurance experts use your information to compare quotes from our top insurance partners. We do the shopping. You choose the car insurance quote that is best for you!

The more information you provide, the more accurate of a quote you’ll receive. Have this information handy:

  • Postal code
  • The date you need coverage to start
  • Basic personal information (name, gender, age, phone number, email)
  • Driver’s license
  • Vehicle make, model, year
  • Driving habits (kilometres driven daily, personal or business use)
  • Insurance and driving history
  • Coverage limits requirements

It only takes a few minutes to get an online car insurance quote. Follow the simple steps, enter your information and you can compare quotes in no time! For your convenience, you can get a quote any time of day. Or, if you prefer, give us a call and speak with one of our insurance professionals.

Great news! There are lots of simple ways to save on car insurance. Use these tips to get low car insurance rates:

  • Compare quotes annually: Comparing car insurance quotes annually ensures you get the cheapest rates.
  • Combine insurance policies: Combining your home and auto insurance policies can save you up to 25% on insurance rates.
  • Ask about insurance discounts: It never hurts to ask. You may qualify for new discounts.
  • Pay your insurance premiums annually: Pay annually and get a break on additional administrative costs.
  • Increase your deductible: A higher deductible will lower your car insurance rates.
  • Review your policy at renewal time: Car insurance needs change over time. Review your policy to look for ways to save.
  • Drive safely: Keep your driving record clean to keep your insurance costs down.

There are many factors that can affect auto insurance rates. Some you can control, others you can’t. Here are the main factors used by insurance companies to determine rates :

  • Driving experience: The more experience you have behind the wheel, the lower the insurance rates.
  • Driving record: Keep a clean and ticket free driving record to save on insurance.
  • Age: Younger drivers have higher car insurance rates.
  • Gender: On average, women pay less for car insurance than men.
  • Location: Where you live affects your risk exposure. If you move, your rates may change.
  • Type of vehicle: Cost, safety rating, vehicle theft rate all impact auto insurance rates.
  • Vehicle usage: How you use your vehicle matters. Use and how much you drive impacts your insurance premiums.
  • Coverage limits: The type and amount of coverage will impact car insurance costs.
  • Claims history: Staying claims free will help you save on car insurance.
  • Drivers: Adding or removing a teen or young driver from your policy.

Check out these interesting facts about driving and car insurance in Canada:

  • Affordability continues to be a key issues for drivers in many provinces.
  • Car insurance is mandatory in all provinces and territories.
  • Minimum coverage requirements vary from province to province.
  • Drivers in Ontario, Alberta, Nova Scotia, PEI, New Brunswick and Newfoundland buy car insurance from private companies.
  • Residents in British Columbia, Saskatchewan, and Manitoba purchase auto insurance through a government agency. Quebec driver’s coverage comes from both government and private insurers.
  • No fault insurance systems are in place in Ontario, Quebec, Nova Scotia, New Brunswick and PEI.
  • There are more than 25 million licensed drivers in Canada.
  • There are more than 33 million registered vehicles.
  • The number of motor vehicle fatalities and personal injuries continues to drop.
  • The estimated cost of insurance fraud is $1.5 billion annually.
  • 56.9% of every insurance dollar collected is paid out in claims.
  • In 2018, private property and casualty insurers in Canada paid out 18.2 billion in net claims incurred to policyholders for all types of auto insurance coverage.
  • PEI, Saskatchewan, and Yukon have the highest accident casualty rates in Canada. Ontario has one of the lowest.

Our Car Insurance Customer Reviews

We work hard to provide you with the best car insurance experience.

We’ve helped thousands of drivers find auto insurance coverage and save. Check out what our customers are saying about us on Google.

We Have Hundreds Of 5 Star Reviews!

Review Rating Review Rating

Average of 4.7 out of 5 stars in 708 Google reviews

Get 24/7 Car Insurance Claims Service

Quotes From 40+ Insurance Providers

We’ll be there for you when you need us

Accidents happen – fender benders, at fault accidents, a broken windshield, vandalism and everything else. If you need to start a claim, we’re ready to help. Get advice from our unbiased insurance experts. We’re on your side. We will help ensure you quickly work through the car insurance claims process.

Your Car Insurance FAQs Answered

Here are some common questions we get:

You are legally required to purchase car insurance coverage to operate a vehicle in Canada. Liability insurance coverage is mandatory in all provinces. The minimum coverage amount varies by province. You can purchase additional optional insurance coverage such as comprehensive coverage and collision coverage.

Auto insurance rates vary based on insurance companies. Comparing car insurance rates and quotes allows you to see what the market has to offer – given your driving history, vehicle, coverage needs and other factors. Comparing rates helps you find the lowest car insurance rates. It’s recommended to compare car insurance rates each time your policy comes up for renewal.

The cheapest car insurance rates depend on many factors, including your insurer. There is not one insurance company that has the cheapest rates. It depends on the type of coverage, your vehicle, and much more. Comparing auto insurance quotes is the only way to find who has the cheapest car insurance.

Yes. Getting a car insurance quote is 100% free.

It depends on who you use to compare quotes. For some insurers your quote will be valid for 30 or 60 days. Some may be longer or shorter. Speak with your insurance professional to get clarification.

Car insurance is different from province to province. Each province has its own car insurance system, rules, and regulations. Even though there are differences, auto insurance policies and coverage are similar across Canada.

You can save money on your insurance premiums by maintaining a clean driving record, choosing an insurance friendly vehicle, reviewing your coverage regularly, combining insurance policies, and comparing car insurance quotes each time your policy is up for renewal.

Yes. Where you live will impact car insurance rates. The population, weather, crime rate, infrastructure, and traffic accident rates in your area can all factor into auto insurance costs in your area.

Insurance Blog And News

Read our insurance blog get helpful tips, information and news.

2020-04-08

Driving Without Insurance In Ontario

When it comes to driving without insurance in Ontario, the fines and penalties are not worth the risk. Learn about the most common questions about driving without insurance, fines, penalties, consequences and the potential impact on car insurance rates.

2020-04-08

No Fault Insurance And How It Works In Ontario

No fault insurance is commonly misunderstood. Are you confused about the meaning of no fault insurance? Is there no fault insurance in Ontario? In this blog, we’ll explain how it works and answer common questions drivers have about this often misunderstood insurance system.

2020-04-07

How Do Tickets Affect Insurance Rates In Ontario?

No one wants to get a traffic ticket, and when you do, one of the first things you want to know is how tickets affect your car insurance rates. Learn about the impact of traffic tickets and convictions on your insurance rates in Ontario.

2020-04-07

Collision Insurance Coverage In Ontario Explained

Learn about collision insurance in Ontario. We’ll explain collision car insurance coverage. Learn about the coverage, if you need collision insurance for older vehicles and get answers to common questions.