Cheap Toronto Car Insurance Quotes

Compare car insurance quotes from 30+ leading providers to find the cheapest rate today.

From our parking lot in the west end to your driveway in the east end

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.  

How to get a Toronto insurance quote in three easy steps

Get multiple insurance quotes in the time it takes to get just one

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3. Pick Your Price

Choose your plan from your custom list of great rates. It pays to shop around!

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Frequently Asked Questions (FAQs) about Toronto auto insurance 

Why is Toronto car insurance so expensive?

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. 

More cars, more claims

Generally speaking, the more vehicles on the road in your area, the higher your risk factor of having to file a claim. 

Lots of commuters

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. 

Insurance fraud

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. 

How much is the average car insurance in Toronto?

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.

How much can I save on car insurance in Toronto with InsuranceHotline.com?

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

Get the cheapest Toronto car insurance when you bundle with home insurance

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.

Tips for getting the cheapest car insurance in Toronto

Attention Toronto drivers: We’ve rounded up some insider tips on how you can save money today on your car insurance premiums in Toronto.

Driving in Toronto - Rules of the road 

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: 

  • Stop when the streetcar stops. In Toronto, you cannot pass streetcars when the doors are open and must stop behind the streetcar whenever it stops to let passengers board. If you are driving behind a streetcar, wait until the doors are closed and be sure there are no late stragglers attempting to board before you release your foot off that gas pedal. 
  • Give cyclists space. Drivers are required to give cyclists a minimum of one metre space when passing. If not obeyed, drivers can face a fine of $110 ($85 set fine, $5 court fee plus $20 victim surcharge fee).
  • Check for cyclists before opening your door. Dooring is a real concern in Toronto. Before opening your door, make sure no cyclists are passing or risk a fine totalling $365 (up to $1,000 if you contest it) plus 3 demerit points upon conviction
  • Don't drive distracted. There is enough to distract you in a busy city without the addition of your phone. If you're caught distracted driving, you face fines of $490 to $1,000 plus three demerit points. If careless driving is also a factor, these fines climb to up to $2,000 with six demerit points plus a possibility of jail time and licence suspension. This can also escalate to dangerous driving, which holds jail terms of up to 10 years for causing bodily harm and 14 years for causing death
  • Mind your speed. Most local streets have a default speed limit of 50 km/hr when not posted. However, this decreases to 40 km/hr on local streets adjacent to schools, parks and in many neighbourhood communities

 

Sample car insurance quotes completed for drivers in Toronto, Ontario

Examples of real savings found through InsuranceHotline.com by drivers living in Toronto, Ontario

Fun facts for Toronto car insurance quotes 

Trends we've noticed about Toronto drivers who completed quotes on InsuranceHotline.com in 2017

Drivers who compared quotes using InsuranceHotline.com saved an average of $128 on car insurance in Toronto 


Toronto drivers paid car insurance premiums averaging
$1,864


Married couples in Toronto loved the 2017 Volkswagen Jetta 4DR, a smaller choice than many of their suburban counterparts. It was the most popular vehicle among Toronto-based married couples in 2017. 


Singles in Toronto preferred the 2017 Honda Civic EX 4DR, which was actually quite similar to other cities. The Honda Civic is Canada’s best-selling vehicle, after all. 


Toronto drivers claim to be pretty safe. Of drivers who completed quotes on InsuranceHotline.com, 90 per cent reported having had no accidents in the past 10 years.


Torontonians could score a better grade on their driver’s ed, though, as just under one in two (49 per cent) of Toronto drivers have taken an accredited drivers' training course. 


Toronto drivers had an average annual mileage of 13,178 km in 2017


Despite the popularity of services such as ride-sharing, just 6 per cent of Toronto drivers reported using their vehicle for business reasons

Get your Toronto car insurance quote online & start saving

Here's a bit more insight into exactly what's involved in using InsuranceHotline.com to get the cheapest car insurance in Toronto. 

Step 1: Compare Toronto car insurance quotes

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.

Step 2: Choose your Toronto car insurance policy

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.

Step 3: Stay informed about Toronto car insurance rates all year long

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.

Car insurance in Toronto: Things you should know

The rates car insurance companies charge in Toronto to insure the same car and driver can differ by hundreds and sometimes thousands of dollars, so it pays to shop around

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.