Written by
Nolan Wilson
Updated on September 11, 2025
min read
Expert Toronto insurance brokers who work for you
Using an insurance broker in Toronto is the best money-saving decision when shopping for insurance. Toronto is one of the most expensive cities for insurance, so it’s important to use the resources available to find the lowest rate.
Our local brokers will help you with ALL your insurance policy needs - comparing quotes, renewals, switching insurance companies, providing advice and answering your questions.
With ThinkInsure, you have a local licensed insurance broker working for you. When you work with us, you’ll be confident in knowing you are getting the best coverage and the lowest rates.
Quick takeaways about using a Toronto insurance broker:
Our brokers help Toronto residents save up to $821 on car insurance and $717 on homeowners insurance per year on average.
ThinkInsure brokers help Torontonians can get insurance starting at $1,425 and home insurance starting at $831 or less by.
Insurance brokers provide the most coverage options and ways to save on all types of insurance - auto, home, commercial, condo, renters, life, and more.
Our insurance brokers work for you, not the insurer, allowing you to compare rates from multiple providers and get the best savings and coverage for your needs.
Todd was so amazing to work with. He went above and beyond to make sure we got the best auto and home insurance. I highly recommend working with Todd.
Farhad A
2025-09-22
Deal with Patrick. Fast, efficient, and Helpful
Paul Irwin
2025-09-22
Quick and painless. I was able to obtain the best rate possible, and was back to driving that same day.
a s
2025-09-08
My agent Jeff P. has consistently gone above and beyond to make matters both in my policy and with the provider transparent, frictionless and accessible.
From updates to the policy and coverage changes to vehicle additions, removals and seamless change to the most cost effective provider, I recommend him highly.
Ellen Hay
2025-09-07
Denise S.R is a capable and knowledgable broker! My needs were complicated to me and she explained everything clearly, She then explored many options and found a solution I could afford,. She is courteous, attentive and really cares. I thank her for her professional helpful assistance!
Pooya Mahinpoor
2025-08-31
Fantastic service by Betsy Bannon. Thank you so much Betsy.
Jefffy Jeff
2025-08-21
Wonderful experience with think insure. Darryl Fardy expertise came through in dealing with my complex car insurance needs and got me the coverage tailored with these specific needs in mind. Highly recommend think insure, ask for Darryl Fardy!
Re-bek
2025-08-21
If I could give them higher rating, I would! Darryl Fardy was amazing! He was helpful, quick and communication was 10/10. He answered my questions and was pleasant to deal with. First time with them (recommended by chatgpt) and I am satisfied 💛
How to compare quotes with a Toronto car insurance broker
Whether you are renewing or getting a new auto policy, our Toronto car insurance brokers can help. We'll search for the lowest premiums in a couple of minutes.
1) Begin your quote
Start your car insurance quote.
2) Enter your driving and car information
Enter your driving details and then select your vehicle.
3) Compare multiple quotes
See quotes from the top Toronto car insurance providers.
Choose the lowest rate
Confirm the details with our insurance brokers and get insured.
An insurance broker is an insurance professional who represents you, the customer. Their primary job is to help you search for insurance that meets your specific needs. Brokers work for you, not insurers. They are your advocate. They use expert knowledge to assess your options. They shop and compare quotes for all types of coverage - car, home, business, renters, condo, life - to find you the best rates and value.
Brokers also answer your insurance-related questions. They provide clarification about your policy and help you with claims.
Think of an insurance broker as your go-to resource for all your insurance needs. They are available to help you when you’re thinking about switching providers, adding or removing coverage, renewals, and guiding you through the claims process.
Get the best insurance advice with a licensed broker
Insurance can be intimidating. It can be difficult to understand the terminology, policies, and coverage, and knowing which insurance to use can be a challenge. As a broker, this is where I can help you. I don’t just help you find insurance, I am your insurance partner. I’m here to answer your questions, offer advice, and ensure you get the best coverage and overall value.
Neel Khan
|
Insurance Broker (RIBO)
Speak with a licensed insurance broker today!
Monday-Friday: 8am-6pm Saturday: 9am-5pm
How insurance brokers help
Brokers help you with all types of insurance questions and queries. They help you compare quotes, review coverage, renew your policy, change companies, assist with claims and offer advice.
Comparison shopping for insurance: Explore options from multiple insurance companies. Brokers will search the market to find the best policy and rates.
Review coverage needs: Get an expert opinion on the best coverage for your policy.
Renew your policy: Review and renew your policy with your existing provider. Brokers will negotiate on your behalf and recommend coverage.
Switch insurance companies: Switch insurers to get better coverage or lower premiums.
Claims assistance: Get assistance and advice if you need to file an insurance claim.
Advice: Get your questions answered and get insurance advice whenever needed.
How does an insurance broker work?
Brokers work for an insurance brokerage. The brokerage has partnerships with insurance companies, allowing it to offer consumers various insurance products. Brokerages hire licensed brokers to manage people's insurance needs.
For example, if a customer requires auto insurance, the broker will collect their information and compare policy options with all insurance partners to find the best policy at the lowest rate. Brokers also provide customer service. Insurance partners pay brokerage commissions for each policy in exchange for these services. The commission is then given to each broker based on their performance.
Why use a Toronto insurance broker?
There are significant advantages to using a broker versus getting insurance from a direct insurer agent:
Brokers work for you: They work directly for the customer rather than for the insurance companies they partner with. Agents work for the direct insurer and can only offer their products. This means brokers have your best interests in mind when helping you compare insurance options and make policy decisions.
Choice and selection: Get quotes and policies from the leading insurers. You have access to more options and ways to lower costs. You’ll have access to insurance products, policies, and coverage from many providers, allowing you to find the right level of protection for your situation.
Expert advice and service: Brokers are licensed professionals. They are knowledgeable and can help you with all your insurance questions, needs, claims, and more. Just contact them to get your questions answered.
It’s free: There is no cost to you. There are no fees for the services you receive. So, you have nothing to lose when you choose a broker.
How do insurance brokers and insurance agents differ?
People often wonder about their insurance options. You have brokers, agents, and direct insurers to consider. While the objective of these roles is to sell insurance, there are some key differences to consider. Choosing to use an agent or a direct insurer can limit your options.
Here is how brokers and agents compare and contrast:
Representation: Brokers work for you; agents work for the companies they represent.
Insurance product options: Brokers offer plans and products from many different insurers. Agents can only offer you options from the company they represent.
Objectivity: Brokers provide unbiased advice and are objective. They will give you an honest assessment of insurance companies and product options. Agents have a bias toward the company they represent.
Professionalism: Brokers are RIBO licenced. They must follow high standards for professional competence and ethical conduct.
Claims support: Agents are focused on the insurer's best interests. Brokers represent you and have your best interests in mind.
Why is Thinkinsure Toronto's best insurance broker?
For over 50 years, we have helped thousands of customers with their insurance needs, ensuring you get the most affordable rates. Our Toronto insurance brokers list the reasons to choose ThinkInsure:
We’re a Toronto-based insurance broker: We’re local and 100% Canadian-owned and operated. We use progressive and innovative methods to simplify insurance for you and provide a better experience.
Toronto insurance brokers:
We’re a Toronto-based insurance broker. We’re local and a 100% Canadian-owned and operated brokerage. We use progressive and innovative methods to simplify insurance for you and provide a better experience.
Independent brokerage:
We’re unbiased and not owned by a big insurer. We’re focused on helping you.
Fully licensed:
We are part of the Registered Insurance Brokers of Ontario (RIBO), Insurance Brokers Association of Ontario (IBAO) and Insurance Brokers of Toronto Region (IBTR).
Leading auto insurance broker in Toronto:
We take pride in being an industry leader for Toronto insurance. Our expert team of auto insurance brokers specializes in auto coverage for all types of drivers. Our team works and drives in the city, and we’re just like you. We understand your concerns.
Shop and compare:
You can compare quotes for all types of insurance from the leading providers to help you save.
Partners with the top insurance companies:
Our team has access to policies from over 50 insurance companies and brands in Canada.
Lowest rates:
You could save hundreds of dollars with us. Find the best rates, discounts, and other opportunities to lower your premiums.
Dedicated broker:
We are real people living in Toronto like you. We understand the challenges and expenses you may have. You get a dedicated broker to provide you with personalized customer service. Expect advocacy on your behalf when dealing with insurers. We will help you with claims, estimates, questions, updates, and more.
We do the work, and you save:
You tell us about your needs, and we’ll hunt for the most affordable rates. The result is you keep more money in your pocket!
We’re online:
We know your time is important to you. It's easy for you to search for quotes online when it’s convenient for you.
Ways to get cheaper rates with a Toronto car insurance broker
Getting affordable auto insurance is a priority for drivers. We help drivers get thousands of quotes every month. Our insurance brokers help you get the cheapest auto insurance rates. On average, our customers save about $821* per year on Toronto car insurance. The most effective way to save is to use a car insurance broker. Here’s how to keep costs down :
Have your driving information handy:
You must have your licence, vehicle, and driving history information before starting a quote.
Provide accurate information:
Always provide accurate information about your vehicle and driving history. The information you provide will impact your estimate. It will not be correct if you use improper information.
Complete all details:
Complete all information. Do not leave any fields blank. Provide as much detailed information as possible.
Choose ThinkInsure:
We drive in Toronto just like you. We are dedicated to helping you find a lower price without sacrificing the quality of your insurance. Contact us today to find out why we are the cheapest insurance broker in Toronto.
Recent savings from Toronto's top auto insurance broker
2025/07/12
Shopper in TORONTO, ON
Vehicle: HONDA CR-V TOURING 4DR AWD 2012
CAA My Pace
$872
Pembridge
$1,637
CAA Connect
$1,727
CAA
$1,818
Savings from top 4 lowest quotes
$946
2025/07/11
Shopper in TORONTO, ON
Vehicle: HONDA CIVIC LX 4DR 2011
Aviva Journey
$1,853
Aviva
$2,056
Pembridge
$2,450
Intact
$2,668
Savings from top 4 lowest quotes
$815
2025/07/09
Shopper in TORONTO, ON
Vehicle: subaru WRX SPORT 4DR AWD 2025
CAA My Pace
$1,259
Intact
$1,574
Aviva Journey
$1,885
Aviva
$2,094
Savings from top 4 lowest quotes
$835
2025/07/09
Shopper in TORONTO, ON
Vehicle: LAND ROVER DISCOVERY SPORT HSE 4DR 4WD 2016
CAA My Pace
$1,576
Pembridge
$3,091
GORE
$3,204
Aviva
$3,299
Savings from top 4 lowest quotes
$1,723
Toronto's leading home insurance broker has you covered
The cost of homeownership is well over $1 million these days. According to Zolo.ca Toronto real estate trends, the average house price is about $1,164,061 (As of May 2025). Protecting your investment with Toronto home insurance is a must.
We help customers complete hundreds of quotes per month, and our brokers save you an average of $717** annually.
ThinkInsure's home insurance brokers live in Toronto and across the GTA, just like you. We’ll make sure you understand how a homeowners policy works. They will make sure your home and valuables are appropriately covered. And if you rent, we'll ensure you get the best tenant insurance in Toronto. You can trust you’ll get the coverage you need to protect your property.
Insurance broker FAQs
Most people's goals when getting insurance are typically twofold: they want to save money and get the best coverage. A broker can do both of these things.
Sometimes, you can only get insurance from a specific insurer if you go through a broker. Not all insurers have a direct option to get coverage.
Using a broker gives you access to more insurance options and a better chance of getting the lowest price.
An insurance broker is an intermediary between an insurer and an insurance company. They are licensed in insurance to sell coverage, provide advice, and offer customer service. Here are some of the things they do :
Determine insurance needs: Get an assessment of your needs so you will be properly insured.
Compare prices: Compare quotes from multiple insurers.
Help customers save: Look for ways to save you money.
Sell insurance policies: They sell insurance and complete all the application and underwriting processes to complete a policy.
Explain the details: They explain your policy so you understand how it works and what is covered.
Changes: Assist with changes to your policy and needs.
Renewals: They will help you renew your policy and check if your rates have increased. For example, they can search for a better price before your car insurance renewal date.
Advise: Provide expert advice and clarification.
Questions: Answer your insurance questions.
Claims: Help you with the claims process and advocate on your behalf with insurers.
Yes. Working with a brokerage is a more affordable option. Brokers can help you quickly compare quotes from multiple Toronto insurers. More options give you a greater chance to find a low-cost insurance policy.
Insurance brokers do not charge a fee in Toronto or anywhere in Ontario. Using a broker is 100% free. You do not pay for the services offered by a brokerage. They are paid commissions by the insurance companies they partner with.
Auto insurance commissions range from 10% to 12.5% annually. Home commissions range from 15% to 20% annually. Commission rates can vary by insurer and can change over time. Ask your broker for an updated list of commission rates.
All brokers must be licensed to sell policies and discuss insurance matters legally. They must obtain a Registered Insurance Broker designation from RIBO. All ThinkInsure brokers are fully licensed and follow all RIBO guidelines and regulations.
Absolutely! Our team will look for ways to maximize your cost savings, which means researching available discounts. Finding car insurance discounts is what we do best!
Ensure your information is current, and ask about potential discounts when speaking with your broker. Sometimes all you need to do is ask, and you can uncover even more savings.
A brokerage has contracts with multiple insurers to sell insurance, provide customer service, and help with claims. They can shop the market to search for the best policies and rates to meet their customers' needs. The insurer pays an insurance broker directly for the policies they sell.
Yes. ThinkInsure is a fully independent insurance brokerage. We are 100% Canadian and have insurance products from the top insurers in Canada.
Our brokers have you covered for insurance in Toronto
What type of insurance do you need? Our licenced brokers can help you with all your insurance requirements in Toronto:
You can count on our licensed brokerage and brokers to help you get insured. We’re focused on innovation to serve you better. Learn about our professional memberships and accreditations:
Insurance Brokers Association Of Canada
Registered Insurance Brokers Of Ontario
Insurance Brokers Association Of Ontario
Save with Toronto's leading car insurance broker
Our car insurance brokers can help you save at a better rate. Compare quotes from the top auto insurance companies and find lower premiums in the GTA. We'll provide additional savings advice and ensure you have proper insurance for your needs.
* Based on the difference between the average lowest premium and the overall average premium in Toronto for estimates completed from January 1 to March 20, 2025, for drivers with a clean driving record.
** Based on the difference between the average lowest home insurance premium and the overall average premium in Toronto for quotes completed from January 1, 2024, to March 5, 2025.
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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