Waterloo Insurance Broker | Top Rated Car & Home Insurance Broker

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Our top-rated insurance brokers will help you find lower rates in Waterloo. Save up to $706* on auto coverage.

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Written by Nolan Wilson Updated on September 11, 2025 min read

Get the lowest rates with Waterloo's best insurance broker

Waterloo insurance brokers give you the best chance to save on your insurance policy. We know insurance is not your favourite thing to shop for. It can be confusing. Brokers will simplify things for you. They'll help you find the best policy for the coverage you need at a great rate.

Our highly trained and experienced brokers have a strong reputation for customer service and finding people the best insurance rates in Waterloo. We help all residents - families, young people attending university, companies that are part of Canada’s Tech Triangle, and anyone else with insurance needs in Waterloo.

Key takeaways about using Waterloo insurance brokers

Insurance brokers can help you quickly explore coverage options with the top insurers. Save up to $706 on auto and $346 on home policies.
Find premiums starting at $1,404 for auto and $782 for home coverage.
As a commuter town, insurance is essential. An auto insurance broker can help you find the best policy to match your driving needs.
With a broker, you have access to a licensed insurance expert. Get answers to your coverage questions, claims assistance, and much more.

How to compare quotes with our Waterloo car insurance brokers

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1) Begin your quote

Enter some personal info to get started.

2) Enter your driving and car information

Enter your driving details and then select your vehicle.

3) Compare multiple quotes

See rates from the top companies.

Choose the lowest rate

Choose your rate and get insured.

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Why use an insurance broker to get an insurance policy in Waterloo?

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Using an insurance broker in Waterloo is free, provides expert advice, offers more insurance options, and helps save money by finding the lowest premiums.

If you’ve never used an insurance broker in Waterloo, you’re missing out on insurance options, savings, and better service. Here’s why a broker is always your best option:

It's free - you pay nothing: Brokers don't cost you money; they save you money.
Get expert advice from a trusted professional: Understanding your policy can be a challenge. Brokers can help you better know your coverage and create clarity.
Compare more insurance options: You have the most options with a broker. Compare coverage from all the top insurers to find the best coverage for you.
Save more money: A broker's main objective is to help you find the lowest premiums.

Use a Waterloo car insurance broker to find lower premiums

Car insurance in Waterloo is a necessity for most. Waterloo is a vehicle-reliant area. There are well over 400,000 registered vehicles in the area. It's one of the most car-dependent cities in Canada.

According to CTV News, 89% of people in the Waterloo region commute to work by vehicle. With rising insurance rates, finding a way to keep costs in check is essential. Our brokers can help you save over $700 and get auto quotes starting at $1,404.

How can a broker help you find better auto premiums?

When discussing car insurance, prioritize your driving needs (saving, protection, or both) and provide detailed information to brokers for optimal product matching. Inquire about potential discounts and other savings, and determine your essential coverage and limits.

Here’s how an auto insurance broker can help you find better premiums:

Have an honest conversation about your driving needs - determine what is most important to you - saving, protection, or a combination of both.
Give brokers as much detail as possible. The more they know about you, the better they’ll be able to match you to insurance products.
Talk about potential car insurance discounts and other ways to save.
Discuss coverage and limits. Determine your must-haves.

Work with a trusted and reliable home insurance broker in Waterloo

If you own a house, you need home insurance in Waterloo to protect it. As one of your largest commitments, you’ll want to minimize financial risk and liability.

According to Wowa.ca Kitchener-Waterloo-Cambridge Housing Market Report, the average house price is about $780,293 (As of July 2025). Brokers will help you choose a policy that fits your lifestyle and budget and addresses your coverage needs. The same holds true if you require condo insurance or tenant insurance. Shop for coverage starting at $782.

Our brokers have your Waterloo insurance needs covered

One of the biggest advantages of using an insurance broker in Waterloo is that they can help you with ALL your insurance needs. We work with many types of insurers and offer a variety of insurance products to ensure you're protected:

Reasons ThinkInsure is a leading Waterloo insurance broker

a female driver with glasses looks out of the car

For more than 50 years, our brokers have helped Waterloo drivers, homeowners, and business owners. You get insurance tailored to your needs while saving money. Here are some of the top reasons customers choose us to be their broker:

Unbiased advice: Get honest and unbiased advice. Get your insurance questions answered by experienced professionals so you can make educated decisions.
We’re 100% Canadian: We are a 100% Canadian-owned and operated brokerage.
We’re fully licensed brokers: We are part of the Registered Insurance Brokers of Ontario (RIBO) and the Insurance Brokers Association of Ontario (IBAO).
All types of coverage: Our brokers can get you insurance for your home, vehicle, business, life, and travel.
The top insurance partners: We offer insurance from 50 of the top insurance providers. We’ll help you find the right insurer for you.
Personalized service: We’re real professionals helping real people. All customers get a dedicated broker to help them with all their insurance needs. Get assistance with claims, quotes, questions, updates, and more.

See our 5 star insurance broker reviews

Rated 4.7 out of 5 stars in 1547 Google reviews

Our brokers help customers with better insurance and savings every day!

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Jessica Da Rocha

2025-10-01

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 💛

What should I consider when choosing a Waterloo insurance broker?

When choosing a Waterloo insurance broker, consider their insurance product offerings, the selection of insurance providers they work with, their overall brokerage experience, and their reputation and customer reviews.

ThinkInsure brokers are different from other insurance brokers in Waterloo. In fact, no two brokerages are the same. Here are some essential considerations when choosing a provider:

Insurance product offerings: What insurance options are available?
Selection of insurance providers: How many insurers does the broker work with?
Brokerage experience: Does the brokerage offer you the level of service and products you need?
Reputation and reviews: Does the broker have good ratings and reviews from their customers?

Waterloo insurance broker FAQs

What is the Insurance Brokers Association of Waterloo Region?

The Insurance Brokers Association of Waterloo Region (IBAWR) is the local affiliate of the Insurance Brokers Association of Ontario (IBAO). It's an association for independent brokers.

Why is it better to use an insurance broker over an insurance company in Waterloo?

Brokers provide you with a greater list of insurance options. You have access to more coverage and personalization options. With more providers to choose from, you’ll be in a better position to find lower rates.

Who regulates insurance brokers in Waterloo?

The Registered Insurance Brokers of Ontario (RIBO) regulates brokers in Waterloo and across the province. The Financial Services Regulatory Authority of Ontario (FSRAO) regulates the insurance industry.

Get a free quote from Waterloo's best auto insurance broker

Our insurance brokers can compare quotes from the top insurers in Waterloo to find you a lower rate. Get advice to find additional savings and keep more money in your pocket. Get Started

Sources

* Based on the difference between the average lowest premium and the overall average premium in Waterloo for estimates completed from January 1 to March 20, 2025, for drivers with a clean driving record.

Nolan Wilson

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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Waterloo Insurance Brokers

Our top-rated insurance brokers will help you find lower rates in Waterloo. Save up to $706* on auto coverage.

Compare rates from Canada's top insurance providers

Get the lowest rates with Waterloo's best insurance broker

Key takeaways about using Waterloo insurance brokers