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We're raising our families in Toronto just like you, so we understand the high car insurance rates Toronto drivers face. That's why we're proud that InsuranceHotline.com has been helping drivers save money by providing online car insurance quotes from over 30 competing insurance companies since 1994. Our network of brokers and insurance agents provides you with instant, free, real-time Toronto auto insurance quotes to help you easily compare and find the best rate available today.
It's how we protect our cars and our families, and how millions of other Canadians protect theirs too. Completing a quote takes less time than your coffee order and there is absolutely no obligation to buy. Save time and money by comparing car insurance quotes today.
|Royal & SunAlliance||$1696|
|Range of quotes $472|
|Royal & SunAlliance||$1660|
|Aviva Product (S&Y)||$1866|
|Intact Insurance Company||$1910|
|Range of quotes $380|
|Royal & SunAlliance||$1988|
|Desjardins General Insurance||$1999|
|Dominion of Canada||$2088|
|Range of quotes $226|
|Aviva Product (S&Y)||$1995|
|Intact Insurance Company||$2126|
|Range of quotes $212|
When it comes to determining your auto insurance rates, where you live matters. Your insurance company takes into consideration the likelihood of a claim occurring not just in your city, but in your neighbourhood too. Toronto and the GTA have a number of unique circumstances that contribute to higher car insurance rates.
Generally speaking, the more vehicles on the road in your area, the higher your risk factor of having to file a claim.
Toronto is a busy and growing metropolis. According to the 2016 Census, 2.7 million people live in the City of Toronto, of which 575,260 (approx. 46 per cent) use their vehicle to drive to work. Your commute is another variable that factors into your auto insurance rate, including the average kilometres your drive each year.
Toronto is part of Ontario, which is notorious for having the highest auto insurance rates in the country. This is in part a result of the significant amount of fraud that happens in this province. According to the Ontario Auto Insurance Anti-Fraud Task Force, the majority of instances of insurance fraud happens in the GTA, putting Toronto drivers at higher risk.
Unfortunately, some of the cost of this fraud is passed onto drivers in Toronto (and across the province) through higher than average auto insurance rates.
This is why it's so important to compare car insurance quotes in Toronto. With so many variables at play, rates can fluctuate widely from one insurance provider to the next.
We ran the numbers, and based on quotes completed on InsuranceHotline.com, found that drivers in Toronto paid an average of $1,864 in auto insurance premiums in 2017, or approximately $155 a month.
If you haven't yet checked to see how much you could be saving, complete a quote today. It takes less than five minutes and pulls rates from 30+ insurance providers in the same amount of time it takes to make a coffee or allow your tea to steep. Find out how much you could save today.
Toronto drivers saved an average of $128 on their car insurance premiums in 2017 (that's almost equivalent to one free month of auto insurance) by comparing quotes on InsuranceHotline.com.
The best way to find out how much you could save is to compare Toronto auto insurance quotes today.
Living in Toronto is expensive. According to reports, homes cost an average of $1 million to buy and a one-bedroom rental averages more than $2,000 a month. Your home, tenant or condo insurance is another expense—albeit a necessary one—on top of that. And if you drive a car in the city, which is one of the most expensive cities to insure a vehicle in the province, then yet another expense is added to your list. Ouch!
The good news is that there are savings to be had when you bundle your home insurance and car insurance under the same insurance provider. You can save anywhere from five to 15 per cent off each policy when you combine them, which means you’re not only getting the cheapest Toronto car insurance, but the cheapest Toronto home insurance too. Depending on your situation, this can provide up to hundreds of dollars in additional savings.
If you haven’t already, switching providers so that all of your insurance is under one proverbial roof is another way to save on your insurance. Compare car insurance rates today—and be sure to select the bundling option when completing your quote—to find out how much you can save.
Attention Toronto drivers: We’ve rounded up some insider tips on how you can save money today on your car insurance premiums in Toronto.
Very few things will drive up your auto insurance premiums faster than causing an accident. If you're living in the city of Toronto or frequently drive in it, you need to be aware of the local laws so you can avoid hurting yourself, others, your driving record and/or your insurance history.
Here are some things to be mindful of when driving in Toronto:
Average car insurance savings for drivers in Toronto: $531.39
Most popular vehicles insured by Toronto-based married couples: Toyota Corolla, Volkswagen Jetta, Mazda CX-5 GT, Volkswagen Tiguan, Honda CR-V
Most popular vehicles insured by singles in Toronto: Chevrolet Cruze, Honda Civic, Volkswagen Jetta, Mazda3, Hyundai Elantra
Percentage of Toronto drivers who have had no accidents in the past 10 years: 91.20%
Average kilometres driven by Toronto drivers annually: 14,369 km
Most common professional association discounts for Toronto drivers: University of Toronto, Ryerson University, Humber College Institute of Technology and Advanced Learning, York University, Seneca College of Applied Arts and Technology, Centennial College Alumni Association
Data based on quotes completed by Toronto drivers on InsuranceHotline.com between January 1 and December 31, 2018.
Here's a bit more insight into exactly what's involved in using InsuranceHotline.com to get the cheapest car insurance in Toronto.
Getting cheap Toronto car insurance is quick and easy when you fill out InsuranceHotline.com’s auto insurance quoter. Start with your postal code and then enter standard insurance information such as your driving history and car information to generate quotes from more than 30 leading insurance providers.
The step-by-step form takes about five minutes to complete. Once you’ve filled out your information, our unbiased system runs it through a database of rates provided by our network of licensed insurance professionals and then presents you with your rates in order from lowest to highest.
Once you’ve been presented with all the available Toronto car insurance rates, it’s up to you to choose which policy works best for you. In Ontario, the mandatory coverage for car insurance policies is the same, it’s just the rates that change from provider to provider. Of course, these rates also change depending on your driving profile and any additional coverages you opt to add on.
Once you’ve selected a rate, you can click on it to see the insurance broker’s information. It will show you the name of the licensed insurance professional who can help you obtain the policy as well as the name of the insurance company the rates are for. To confirm your rate, you can contact them directly using the information provided.
InsuranceHotline.com does not sell insurance. All rates are provided from our insurance partners. We just make the process of buying car insurance in Toronto easier and more transparent by showing you all the available rates published by our partners at once.
Finding cheaper Toronto car insurance isn’t a one-time deal. Rates are changing all the time, which is why its recommended drivers compare rates on an ongoing basis, or at least every year upon renewal.
You can also opt into InsuranceHotline.com’s rate alert service, which is a free service that monitors our network and alerts you via email when a better Toronto car insurance rate becomes available. You can set this alert for every 3 or 6 months, depending on your preference. It will also send a reminder come renewal time so you can compare again and save.
Have any questions? Check out the FAQs on our main auto insurance quotes page to learn more.
Your key to savings is finding the car insurance company that offers you the cheapest available rate. Busy families don't have time to call the plethora of Toronto car insurance companies to get comparative quotes. This is why getting instant online Toronto car insurance quotes saves you time and money.
Compare multiple quotes from over 30 trusted Canadian insurance companies in the same amount of time it takes to get just one quote.