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.
Web Sales Broker Darryl Fardy, is such an easy person to work with, very informative and accommodating, he went over and beyond anything I would have expected to see to it my needs in this area were taken care of. I strongly recommend reaching out to this company and person for your insurance needs. Thanks again if your seeing this Darryl Fardy.
Ravipreet Singh
2025-12-09
I have been with ThinkInsure for a long time. Jeff Plesman has helped me with Commercial Auto Insurance and have recommended me very good agents for other services as well. I would recommend Jeff for any commercial auto policies and ThinkInsure in general
Highspeed
2025-12-05
Rep - Betsy Bannon
Betsy was great to work with, patient, understanding and answered all my questions. Extra pleased and would recommend to anyone.
Thank you for your help.
Carmeta Josephs
2025-12-03
Todd was amazing! Quick and easy process. Best rates
Jesse R.
2025-12-01
I just had a great experience with Neel K.
She was extremely friendly over the phone and very helpful with my auto insurance needs. I definitely felt she went over and above to find me the best possible rates for my circumstances. Thank you Neel!
Chantelle Buchanan
2025-12-01
Thinkinsure gave me a great quote to start
Since joining Thinkinsure 3yrs ago they have been helpful patient empathtic and understanding
They have helped to keep my policy active in times of hardship
Ive never felt judged or ashamed, they just want to help when life happens
The manager ( Felicia) is great she assisted me on more then one occasion
She is very competent and quickly responds to issues doing her best to make sure the customer is satisfied
I have 15+yrs of Insurance experience Ive never had this kind of service with any other insurance provider
I appreciate all the work u guys do
Im very greatful and amazed with your service
Thank you Thinkinsure
Sincerely
Chantelle B
Rob Haire
2025-11-27
Anne at Think Insure has always gone above and beyond to help us, She usually gets back to us within hours with requested documents or answers to our questions. Great Service!!
Flora Paolucci
2025-11-27
Thank You Patrick Vuong for your quick response to getting us the information we required asap.
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 licensed. 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
2026/01/03
Shopper in TORONTO, ON
Vehicle: MAZDA CX-3 GX 4DR AWD 2020
Aviva Journey
$1,826
Intact
$1,978
Aviva
$2,029
Wawanesa
$2,290
Savings from top 4 lowest quotes
$464
2026/01/02
Shopper in TORONTO, ON
Vehicle: TOYOTA RAV4 XLE 4DR AWD 2014
Pembridge
$1,641
GORE
$2,287
SGI Canada
$2,419
Aviva Journey
$2,894
Savings from top 4 lowest quotes
$1,253
2025/12/31
Shopper in TORONTO, ON
Vehicle: HONDA Accord se 4dr 2002
Intact
$778
GORE
$846
Pembridge
$950
Wawanesa
$1,061
Savings from top 4 lowest quotes
$283
2025/12/28
Shopper in TORONTO, ON
Vehicle: LAND ROVER RANGE ROVER SE P530 4DR AWD 2024
SGI Canada
$1,934
Intact
$6,836
Aviva Journey
$6,886
Aviva
$7,539
Savings from top 4 lowest quotes
$5,605
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 licensed 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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