Cheap Car Insurance in Toronto: Best Auto Insurance Quotes

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Toronto's best car insurance savings

Shopping for the car insurance in Toronto? Like most drivers in Canada’s biggest city, you’re likely tired of paying too much for your car insurance. We don’t blame you. We’re here to help you save with great rates on personalized coverage that is designed just for you.

So why does car insurance cost so much in Toronto? There are 6.4 million residents, lots of traffic, longest commutes, and busiest highway in the country. This increases the risk of accidents and results in more expensive car insurance in Toronto.

Comparing quotes is the best way to lower your car insurance premiums. Located in Toronto, we are experts in auto insurance in the GTA. Our local advisors help Toronto drivers find the cheapest rates for the insurance coverage they need. We'll compare rates from the leading car insurance companies in Canada and help you get the most affordable quote.

Getting the best car insurance is quick and easy with ThinkInsure. Keep reading to learn more about car insurance in Toronto and how you can save more on your auto policy.

What's on this page:

How to get cheap Toronto car insurance quotes
Car insurance in Toronto and how it works
What is the average cost of car insurance in Toronto?
Recent Toronto auto insurance quotes
Mandatory and optional auto insurance coverage in Toronto
Toronto car insurance rates by driver type
Are car insurance rates in Toronto more than other cities?
What parts of Toronto have the cheapest car insurance?
Toronto car insurance rates by vehicle brand and model
What factors determine how much your Toronto car insurance will cost?
Toronto car insurance FAQs
Tips to get the cheapest car insurance in Toronto
Toronto car insurance companies
How driving in Toronto affects auto insurance

How to get cheap Toronto car insurance quotes

Comparing quotes online is easy with ThinkInsure. It's also the best way to save!

1) Start your quote

Tell us a bit about yourself to get started.

2) Enter your vehicle and driving information

Tell us about your car and driving habits.

3) Compare the cheapest quotes

See quotes from to insurance companies in Canada.

Choose your policy

Choose the lowest rate. Confirm the details with our experts and buy your insurance.

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Car insurance in Toronto and how it works

Car insurance rules and regulations are set at the provincial level. Toronto follows the same rules as all other cities in the province. Here are the basics:

Car insurance is required for all drivers.
You must be a resident and have a valid Ontario drivers licence.
You must have a minimum amount of insurance. This includes third-party liability, statutory accident benefits, DCPD, and uninsured automobile coverage. You can add extra insurance for collision, comprehensive, and more.
You obtain insurance through private insurers.
No-fault insurance applies so you submit all claims to your company.

Who regulates car insurance in Toronto?

Car insurance in Ontario is regulated by the Financial Services Regulatory Authority of Ontario. The FSRAO is an independent regulatory agency. They oversee close to 300 insurance providers in the province.

What is the minimum amount of car insurance required in Toronto?

All drivers must have at least $200,000 in third-party liability. While this is the minimum, the vast majority have significantly higher limits. This ensures they are protected in case of a claim. This is especially the case in highly populated regions, where collisions are more common. Most have at least $1 million in liability.

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What is the average cost of car insurance in Toronto?

To no one’s surprise, Toronto has some of the highest car insurance rates in the province. The average annual cost of car insurance premiums is $2,071 based on Insurance Bureau of Canada data. This works out to about $172 per month. This is close to $500 more than the provincial average of $1,634.

Toronto car insurance rates by year

Insurance premiums can go up and down and change frequently. More so up than down in recent memory. We sourced quote data from our customers over the past 4 years to provide you with an overview of how premiums can change year by year.

As you can see, premiums are down in 2022 somewhat compared to 2019-2020 numbers. In 2021, there was a dip in prices, largely due to pandemic discounts offered by companies. There were also fewer people on the road, reducing the number of accidents and claims. But costs are still much higher in Toronto than the provincial average of $1,634.

Year	Average annual premium
2022	$2,103
2021	$2,097
2020	$2,322
2019	$2,282

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Recent Toronto auto insurance quotes

2023/09/24

Shopper in TORONTO, ON
Vehicle: VOLKSWAGEN JETTA 1.4 TSI 4DR 2017
Intact	$1,381
CAA My Pace	$1,422
Wawanesa	$1,850
CAA Connect	$2,012
Savings from top 4 cheapest quotes	$631

2023/09/22

Shopper in TORONTO, ON
Vehicle: MITSUBISHI LANCER SPORTBACK GTS 4DR 2010
CAA My Pace	$1,914
CAA Connect	$2,138
CAA	$2,252
SGI Canada	$2,691
Savings from top 4 cheapest quotes	$777

5 star reviews for car insurance in Toronto

Rated 4.7 out of 5 stars in 1327 Google reviews

We help thousands of customers save on their auto insurance.

See all reviews

Margaret Lubaszks

2023-09-21

Exceptional service by Neil Sullivan, setting up my new auto policy. Fast and smooth, very professional. Many thanks 😊 Margaret Lubaszka

Michael Francis

2023-09-18

Didn’t end up using them however found their sales team very knowledgeable and helpful.

coral moxam

2023-09-16

Called and spoke with Todd who got me the best rate ever. Thank you !

O Z

2023-09-15

Excellent service from Ryan, it is very much appreciated.

Paul N

2023-09-14

Contacted Cecilia Li , very professional and patient conversation, great customer service!

A Day With Alishia

2023-09-07

Somya and Shahid Nizam provide excellent customer service. All of my questions was answered . I would definitely recommend this company.

Tanner Duong

2023-09-02

Everthing @ Young Drivers Insurance was great .got great deals and excellent customer service from Shawn and Brian ...

Nancy McCurdy

2023-08-31

Dealing with Todd Allen was awesome would recommend him as someone who is patient and thorough applied on line and have my new policy without leaving my home. Policy is with Wawanesa a very trusted name in the insurance world would recommend this broker to anyone seeking insurance

Mandatory and optional types of auto insurance coverage in Toronto

ThinkInsure works with a large selection of companies to offer drivers affordable rates for mandatory and optional car insurance coverage. We know that most people require more than just the basic amount of mandatory coverage. We offer many types of optional coverages that can be customized for unique needs and enhanced protection.

Mandatory Toronto auto insurance

You must have a minimum amount of mandatory auto insurance to drive. There are four main types of coverage included in your policy:

Third-party liability (TPL): Covers liability claims against you from an at-fault accident. Basic plans have $200,000 in TPL. Most have $1 million or more in coverage.
Direct compensation property damage (DCPD): DCPD covers damage for accidents when you are not a-fault. For example, if you are waiting at a light and get rear-ended by another motorist.
Accident benefits: Accident benefits cover the driver and passengers if injured. Statutory accident benefits coverage ensures you receive medical care. It covers costs that are above what OHIP supplies. It also helps with costs for attendant care, rehabilitation, and lost income. Limits apply and can be increased.
Uninsured motorist: Also known as uninsured automobile coverage, this covers you if you are injured by an uninsured driver or in a hit-and-run.

Optional auto insurance in Toronto

We've also got all the additional protection you'll need including collision, comprehensive, and specified or all perils. With the heightened threats of such a busy city, most get extra protection to ensure they're covered if anything happens. Here are the most common types of additional coverage you can get:

Collision coverage: You have protection if you are involved in an accident with another vehicle or an object (tree, street sign, light post).
Comprehensive coverage: This protects you from loss or damage from non-driving events. This 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 specifically excluded.
Specified perils: You have protection for all the perils that are listed in your policy. Anything listed is covered.

Customize your policy with endorsements

You can personalize your plan even more by adding endorsements. Some of the types of coverage you can add to your policy include:

Emergency roadside assistance
Rental car coverage (OPCF 27)
Accident forgiveness (OPCF 39)
Waiver of depreciation (OPCF 43)
Other riders and endorsements

Adding optional coverage will affect your rate.

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Toronto car insurance rates by driver type

The category you fit into can affect your car insurance rates. Your age, gender, marital status, and driving record are all factors used by insurers to assess you as a driver.

We examined our customer quote data to see how different factors impact your costs. Here’s what we found:

Drivers who are under 25 years old pay about $800 more than the city average.
Being in the high-risk insurance category increases your rates by over 200%.
Mature drivers over 50 have the lowest premiums. They pay close to $300 less than the city average.
Men pay more than women. Single people pay more than married couples. But not by a significant margin.
Tickets, accidents, suspensions, and policy cancellations will significantly increase your rate. You’ll see a minimum of a 14% increase.

	Average premium	Monthly payment	Difference
Driver type
All	$2,071	$173	no change
Young (25 and under)	$2,854	$238	38% increase
Middle age (25 - 50)	$2,268	$189	9.5% increase
Mature/senior (50+)	$1,715	$143	17% decrease
High risk	$6,670	$556	222% increase
Demographics
Male	$2,237	$186	8% increase
Female	$2,150	$179	3.8% increase
Married	$2,175	$181	5% increase
Single	$2,272	$189	9.7% increase
Driving record
Clean record	$2,071	$173	no change
1 ticket with past 3 years	$2,360	$197	14% increase
1 accident in 3 years	$2,478	$207	19.7% increase
1 cancellation in 3 years	$2,529	$211	22.1% increase
1 suspension in 3 years	$2,746	$229	32.6% increase

***

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Are car insurance rates in Toronto more than other cities?

Toronto has more expensive car insurance rates than most cities in the province. It consistently ranks in the top 10 of the most expensive cities. Premiums cost about 138% of the provincial average.

If you look at the graphic below, only Mississauga and Brampton have higher premiums. Costs are significantly cheaper in smaller cities throughout the province.

Average Toronto car insurance rate compared to other Ontario cities info graphic

City	Average Rate
Brampton	$2,494
Markham	$2,100
Mississauga	$2,086
Toronto	$2,071
Hamilton	$1,670
Kitchener	$1,500
London	$1,400
Barrie	$1,400
St. Catharines	$1,250
Windsor	$1,375
Ottawa	$1,151
Sudbury	$1,100
Thunder Bay	$1,000

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What parts of Toronto have the cheapest car insurance?

Location, location, location. Where you live within the city can affect how much you pay for car insurance by hundreds of dollars annually. Insurers look at your postal code and neighbourhood as part of their assessment.

We sourced our quote data to see how costs differ by area. Based on our findings Central and East Toronto were cheapest. The York area is the most expensive. See a breakdown here:

Area in City	Postal Codes	Neighbourhoods	Average Premium
Downtown Toronto	M4W, M4X, M4Y, M5A, M5B, M5C, M5E, M5G, M5H, M5J, M5K, M5L, M5S, M5T, M5V, M5W, M5X, M6G	Rosedale, Cabbagetown, Harbourfront, Regent Park, Kensington Market, Chinatown	$2,137
East Toronto	M4E, M4K, M4L, M4M	The Danforth, The Beaches	$2,096
West Toronto	M6H, M6J, M6K, M6P, M6R, M6S	Dufferin, Dovercourt Village, Little Portugal, Trinity, Parkdale Village, Roncesvalles	$2,236
Central Toronto	M4N, M4P, M4R, M4S, M4T, M4V, M5N, M5P, M5R	Lawrence Park, Davisville, Summerhill, Forest Hill, Deer Park, Roselawn, The Annex, Yorkville	$2,048
Etobicoke	M8V, M8W, M8Y, M8Z, M9A, M9B, M9C, M9L, M9M, M9N, M9P, M9R, M9V, M9W	Mimico, The Kingsway, Rexdale, Martin Grove Gardens	$2,454
Scarborough	M1B, M1C, M1E, M1G, M1H, M1J, M1K, M1L, M1M, M1N, M1P, M1R, M1S, M1T, M1V, M1W, M1X	Port Union, Golden Mile, Cliffside, Scarborough Town Centre, Wexford	$2,497
York	M6C, M6E, M6M, M6N	Cedarvale, Fairbanks, Humewood, The Junction	$2,537
North York	M2H, M2J, M2K, M2L, M2M, M2N, M2P, M2R, M3A, M3B, M3C, M3H, M3J, M3K, M3L, M3M, M3N, M4A, M5M, M6A, M6B, M6L	York Mills, Willowdale, Downsview, Don Mills, Victoria Village, Glencairn	$2,515
East York	M4B, M4C, M4G, M4H, M4J	Parkview Hill, Woodbine Heights, Leaside, Danforth, Thorncliffe Park	$2,309

****

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Toronto car insurance rates by vehicle brand and model

The vehicle you choose to drive will play a role in determining your car insurance rates. By how much? We did a comparison of customer quotes by vehicle brand and top models to give you an idea of how much premiums can change based on the vehicle you drive.

Premiums by brand

Here is a breakdown of the average premiums for the top vehicle brands driven in the city. Subaru tops the list with the lowest rates.

Vehicle brand	Average premium	Monthly payment
Subaru	$1,869	$155
Jeep	$1,899	$158
Lexus	$2,004	$167
GMC	$2,038	$169
Mazda	$2,116	$176
Nissan	$2,128	$177
Kia	$2,156	$179
Mercedes	$2,161	$180
Tesla	$2,173	$181
Toyota	$2,204	$183
Ford	$2,224	$185
Volkswagen	$2,226	$185
Hyundai	$2,252	$187
Audi	$2,268	$189
Chevrolet	$2,273	$189
Honda	$2,321	$193
BMW	$2,414	$201
Dodge	$2,538	$211
RAM	$2,545	$212

****

Premiums by model

We compared some of the most popular models to see how much premiums differ. The table below shows that the compact car models like Sentra and Prius cost hundreds of dollars less per year to insure.

Vehicle model	Average premium	Monthly payment
Nissan Sentra	$1,486	$124
Toyota Prius	$2,105	$175
Mazda 3	$2,046	$171
Kia Forte	$2,232	$186
Toyota RAV4	$2,304	$192
Toyota Corolla	$2,366	$197
Honda Civic	$2,431	$202
Nissan Rogue	$2,436	$203
Hyundai Elantra	$2,618	$218
Ford F 150	$2,699	$225

****

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What factors determine how much your Toronto car insurance will cost?

cars driving on Gardiner expressway with city view of Toronto

Car insurance quotes are calculated using many different factors. Your rate can vary significantly based on these considerations and the information the provided. Here are the main factors insurance companies use to calculate rates:

The type of vehicle you drive: Car, SUV, truck, hybrid, van, or compact. The option you choose could increase or decrease your payments.
Your personal profile: Age, gender, marital status, and licence type all matter. Generally, more experience and stability make you less of a threat.
Your address: Postal code, neighbourhood, and region impact the chance of you getting in an accident based on claims statistics.
Your driving habits: Length of your daily commute, how you use your vehicle and kilometres driven. The more you drive, the greater the risk of a claim.
Coverage: Limits, endorsements, deductible amount, and the number of people on the policy. Try to find a policy that accommodates your protection needs without jacking up your rates.
Experience behind the wheel: Years licenced, driving record, tickets, fines, and licence suspensions. A few blemishes on your record could spike how much you pay for coverage.
Insurance history: Years insured and previous claims history. Experienced and claims free drivers will always pay less.

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Toronto car insurance FAQs – get answers to commonly asked questions

How do I get cheap monthly car insurance in Toronto?

If you want cheap rates, it’s important to compare car insurance quotes frequently. Do this when your policy is up for renewal, you get a new vehicle or your driving status changes.

This will help ensure you are getting the lowest rate.

Why is Toronto auto insurance so expensive?

Auto insurance in Toronto is expensive compared to other cities in the province. Why?

Lots of vehicles and traffic volume
More accidents on the roads and highways
More tickets and violations
An increased occurrence of auto theft
Fraud

Each one of these factors contributes to increased costs. Insurance companies are constantly changing their rate calculations based on these factors. Get a quote often to make sure you are getting a cheaper price.

Who has the cheapest auto insurance in Toronto?

There isn’t a specific insurance company that offers cheaper rates than the rest. It depends on your unique situation. You won’t know for sure who has the cheapest insurance unless you compare quotes from multiple providers.

Why do Toronto auto insurance rates change so often?

Car insurance rates change often for many different reasons. Insurance companies can apply for rate increases on a quarterly basis. The FSRAO reviews the rate increase proposals and approves them. They assess current market conditions. A company can make a request for an increase and it might be approved because of:

The increased cost of claims
More collisions on GTA roads
The prevalence of fraud

They can also increase if something has changed with your driving situation. A ticket, accident, change of address, or even the loss of a discount could affect your rate.

Is having car insurance mandatory to drive in Toronto?

Yes. All drivers across the province must have auto insurance to drive. The fines for driving without insurance are steep. They start at $5,000 and can go up to $25,000 for first-time offenders.

Does adding a G1 or G2 driver affect my car insurance cost?

Adding a G1 driver may not affect your insurance costs. They cannot be added as the primary driver and can only drive with a parent or experienced driver. If they use your vehicle you need to notify your insurance company.

Once a G1 driver gets a G2 licence, you will see their rates increase. They can now drive solo. Young drivers are rated higher as they don't have much experience yet.

You can help offset the costs of adding a new or young driver by ensuring they complete a driver education program.

When should you check Toronto car insurance rates?

There are plenty of great opportunities to find cheap car insurance:

If you move.
When you complete a driver's training program.
If you are buying a new vehicle.
When you are getting married.
If there is a change to your driving record.
You add new or secondary drivers to your policy.
You qualify for new discounts.

Remember, you don’t need to wait until renewal time to shop around.

Where should I get a car insurance quote in Toronto?

Where you get a car insurance quote will affect your premiums, coverage options, and potential savings.

Direct writers or direct insurers can only offer a single rate from one company.
Comparison sites (aggregators, lead generation sites) offer quotes from multiple providers but the sell your information to a third party and don’t offer coverage directly.
Insurance brokers provide quotes and coverage from many companies. They help you find the best rate and coverage then you can buy a policy through them. You also have access to expert advice, knowledge, and customer service.

Therefore, using a broker, like ThinkInsure, offers you better options, convenience, and savings potential.

What are some Toronto driving tips to help you save on insurance?

At any given time, you are only a crash or ticket away from more expensive car insurance rates. Whether you are a seasoned local or a tourist, you need the right policy and driving knowledge.

Here is some helpful advice for navigating the streets and highways safely:

Stay alert: There are many potential dangers on the city's roads. Watch out for pedestrians, cyclists, taxis, and other vehicles.
Avoid rush hour when possible: Before and after work have the most traffic volume. This increases your chances of being in a collision and seeing your rate increase.
Pass streetcars with caution: When streetcars come to a stop and the doors are open, do not pass. Allow pedestrians to get on and off at all stops.
Watch for cyclists: There are many cyclists and bike lanes. Pay attention when opening car doors. Give one metre when passing a cyclist.
Take extra time when the weather is bad: It will take you longer to drive when conditions are poor.
Expect construction delays: There is ongoing road construction so be prepared for delays. Check things in advance so you can find the quickest route to where you are going.
Know your route: Use a GPS for directions, to avoid congestion, and arrive at your destination. Also, be aware of alternative routes to save time.
Watch out for one-way streets: There are many one-way streets. Always be conscious of them and consider them when planning your route.
Parking: Expect to pay a lot for parking. Consider using a commuter lot and taking the subway or GO train into town.
Gas up: Fill up on gas before you head downtown – gas stations are more expensive and are less common.

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Tips to get the cheapest car insurance in Toronto

With auto insurance rates being high in Toronto and the GTA area it's important to save as possible. Here are some great tips to help you get the cheapest car insurance in Toronto:

1) Shop and compare

There are lots of insurance companies in Canada and they change their prices often. Shopping around allows you to compare quotes to see if you are overpaying. Get a quote today and see how much you can save.

2) Combine policies

Combine your home and auto insurance into a single policy. You will automatically qualify for savings of up to 20%. Combining is the best way to save.

3) Review annually

Renewal time is the perfect opportunity to look for new ways to save money. It is also a great time to update your information.

4) Take advantage of discounts

Things change, including the types of discounts you qualify for. Always ask about available discounts for additional savings.

5) Use winter tires

Winter driving can be challenging and dangerous. Improve safety, give yourself peace of mind and savings by simply using winter tires.

6) Complete drivers training

Completing a ministry-approved driver training program will help you obtain a better price. Make sure you tell your insurance company this to save more.

7) Increase your deductible

If you can afford to do so, raise your deductible to lower your rates. The more you increase your deductible, the more you will lower your premiums.

8) Good driving behaviour

Save up to 30% when you use a telematics device to monitor your good driving habits.

9) Drive a safe vehicle

The type of vehicle you drive matters. Look for vehicles with a strong safety rating, lower repair costs, and security features.

10) Don't miss payments

Missing a payment can affect your rates. If you consistently miss payments, your c could cancel your policy.

11) Park in a private garage or driveway

If possible, park in a private garage or driveway. This makes your vehicle less likely to get stolen, damaged, or vandalized.

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Toronto car insurance companies

A car insurance company doesn’t have to be in Toronto for you to get a quote or coverage. But it doesn’t hurt to have your insurer close by. Some of the best car insurance companies have their head office located in the city. They include:

Aviva - 100 King St. W., Toronto, ON M5X 1E3
CAA Insurance - 106 Spadina Ave., Toronto ON M5V 2K4
Intact - 700 University Ave., Toronto, ON M5G 0A1
Economical - 121 King St. W. #1400, Toronto, ON M5H 3T9
Travelers - 20 Queen St. W., Toronto, ON M5H 3R3
Wawanesa - 4120 Yonge St. Suite 100, North York, ON M2P 2B7
SGI Canada - 10 Four Seasons PI Suite 200, Toronto ON M9B 6H7
Gore Mutual - 320 Bay St, Toronto ON M5H 4A6

ThinkInsure is also located in the city which is convenient for Toronto drivers and our local insurance company partners. We can assist you in person if needed. We are located at:

5700 Yonge St. Suite 1900
Toronto, ON
M2M 4K2

There are also many more of our partners found across the GTA. A big advantage ThinkInsure has over a direct insurance company is we can help you find the cheapest rates from all the insurance companies listed above and many more.

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How driving in Toronto affects auto insurance

Toronto is a very busy city with a lot of traffic, world-class sights to see, and places to go. The GTA is home to some 6.4 million people and there are over 2.5 million daily commuters.

The segment of Highway 401 that passes through the city is the busiest highway in North America. It's also one of the widest and busiest in the world. AADT (Average Annual Daily Traffic) exceeds 400,000 vehicles in some sections.

The city has 9,250 different streets, 160 street intersections and 2,231 traffic control signals over 5,617 km of streets. Road conditions can change quickly creating accidents and congestion. All have a big impact on car insurance rates. Greater risk means premiums are more expensive in the city.

Here is some great information about the city and driving in it.

Major highways

401, 404, 407
QEW
Don Valley Parkway
Gardiner Expressway

Public transit

TTC (Subway, Bus, Streetcar)
Metrolinx GO Transit

Toll roads

407 ETR

Ride-sharing

Uber
Lyft

Road trips

Niagara Falls, Niagara On The Lake
Muskoka cottage country
Bruce Peninsula National Park
Blue Mountain

Parking

City of Toronto Parking
Green P
Impark
Private lots

Top attractions

CN Tower
Royal Ontario Museum (ROM)
Art Gallery of Ontario (AGO))
Ripley's Aquarium Of Canada
Toronto Islands

Busiest intersections

Eglinton Ave West and Martin Grove Road
Lawrence Ave West and Black Creek Drive
St. Clair Ave East and Mount Pleasant Ave
Finch Ave and Yonge Street
Sheppard Ave and Yonge Street

Airports

Pearson International Airport
Billy Bishop Toronto City Airport

Car insurance and Toronto driving conditions

Road conditions in Toronto are similar to auto insurance rates in the sense they vary greatly. Things can change at a moment's notice throughout the year in the city. From hot sunny days to frigid snow-filled roads, you never know what you can expect.

Having good coverage helps to manage the unexpected. So does checking the forecast and road conditions to be prepared for your daily drive.

96 mins

Avg. daily commute time

714 mm

Avg. annual rainfall

121 cm

Avg. annual snowfall

114

Rainy days per year

Heat warnings in 2019

Snow days per year

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Review your Toronto car insurance policy

Once you have a policy in place, it's essential to review it annually. There is a lot that can change with car insurance over a one-year span and you may be able to find a better rate. New insurers could enter the market, there can be changes in the types of coverage available and new discounts. Things can also change with your driving situation and coverage requirements.

So, before you automatically renew your auto insurance, take some time to review your policy and get some quotes. There is a good chance you'll find a cheaper rate and you can switch providers.

Finding the best Toronto car insurance rates is easy!

With ThinkInsure, you can compare quotes online from our large selection of auto insurance companies in Toronto and save money. You'll be able to find the best rates in just a couple of minutes.

You can save even more by speaking with one of our advisors. They'll make sure you obtain proper coverage while ensuring you save as much as possible.

Get Started

Sources

* Based on the difference between the average lowest premium and the overall average premium in Toronto for quotes completed from January 1 to March 31,2023 for drivers with a clean driving record.

** ThinkInsure quoter data for drivers with a clean driving record living in Toronto.

*** ThinkInsure customer quoter data from 2019-2022 to decide how rates differ based on driver type, demographics, and driving record.

**** ThinkInsure customer quoter data from 2019-2022. Drivers with a G licence, clean driving record and standard coverage.

Insurance Blog And News

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

2023-09-11

Compare Cheap Toronto Car Insurance Quotes

Find the best rates by comparing car insurance quotes in Toronto and save $657* on average.

Compare Toronto car insurance quotes from top providers

Toronto's best car insurance savings

How to get cheap Toronto car insurance quotes

1) Start your quote

2) Enter your vehicle and driving information

3) Compare the cheapest quotes

Choose your policy

Car insurance in Toronto and how it works

Who regulates car insurance in Toronto?

What is the minimum amount of car insurance required in Toronto?

What is the average cost of car insurance in Toronto?

Toronto car insurance rates by year

Recent Toronto auto insurance quotes

5 star reviews for car insurance in Toronto

Mandatory and optional types of auto insurance coverage in Toronto

Mandatory Toronto auto insurance

Optional auto insurance in Toronto

Customize your policy with endorsements

Toronto car insurance rates by driver type

Are car insurance rates in Toronto more than other cities?

What parts of Toronto have the cheapest car insurance?

Toronto car insurance rates by vehicle brand and model

Premiums by brand

Premiums by model

What factors determine how much your Toronto car insurance will cost?

Get cheap Toronto car insurance quotes

Toronto car insurance FAQs – get answers to commonly asked questions

How do I get cheap monthly car insurance in Toronto?

Why is Toronto auto insurance so expensive?

Who has the cheapest auto insurance in Toronto?

Why do Toronto auto insurance rates change so often?

Is having car insurance mandatory to drive in Toronto?

Does adding a G1 or G2 driver affect my car insurance cost?

When should you check Toronto car insurance rates?

Where should I get a car insurance quote in Toronto?

What are some Toronto driving tips to help you save on insurance?

Tips to get the cheapest car insurance in Toronto

1) Shop and compare

2) Combine policies

3) Review annually

4) Take advantage of discounts

5) Use winter tires

6) Complete drivers training

7) Increase your deductible

8) Good driving behaviour

9) Drive a safe vehicle

10) Don't miss payments

11) Park in a private garage or driveway

Toronto car insurance companies

How driving in Toronto affects auto insurance

Car insurance and Toronto driving conditions

Review your Toronto car insurance policy

Finding the best Toronto car insurance rates is easy!

Insurance Blog And News

The Rise of Keyless Car Theft in Canada

Top Tips To Prevent Car Theft

What Happens If Your Insurance Is Cancelled For Non-payment?

Is Driving Barefoot Illegal in Ontario?

More ways to save on car insurance