How to get a Toronto insurance quote in three easy steps
Get multiple insurance quotes in the time it takes to get just one
1. Start A Quote
Answer a few quick questions about yourself and your car
2. Compare Rates
Compare quotes from some of Toronto's most trusted insurance providers
3. Pick Your Price
Choose your plan from your custom list of great rates. It pays to shop around!
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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.
| Intact Insurance Company | $1378 |
| SGI Canada | $1525 |
| Gore | $1656 |
| Aviva | $1663 |
| Range of quotes $285 | |
| Aviva Product (S&Y) | $1541 |
| SGI Canada | $1847 |
| Wawanesa Mutual | $1868 |
| Desjardins General Insurance | $2073 |
| Range of quotes $532 | |
| Wawanesa Mutual | $1449 |
| Intact Insurance Company | $1474 |
| Western Assurance Company | $1625 |
| Royal & SunAlliance | $1642 |
| Range of quotes $193 | |
| CAA Insurance | $1229 |
| Desjardins General Insurance | $1511 |
| SGI Canada | $1696 |
| Zenith Insurance | $1806 |
| Range of quotes $577 | |
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.
Shop Around
InsuranceHotline.com shoppers save an average of $427 by comparing car insurance quotes with us.
Increase Deductibles
If it fits your budget, increase your deductibles from $500 to $1,000 to save 5 to 10% on your Toronto car insurance
Lump Sum Payment
A single annual payment can shave off administrative fees often associated with monthly payments
Bundle Policies
Purchase auto insurance and home insurance from the same company to save 5 to 15% off your premiums
More is Merrier
Save 10 to 20% when you insure all your vehicles under the same policy
Change Tires Seasonally
Let your insurer know if you have winter tires. A winter tire discount could save you about 5%
Compare Annually
Renewal time is the best time to save. Compare rates annually and also get rid of coverages you no longer need
Ask about Discounts
You’re a savvy city-dweller, but don’t be afraid to ask about discounts you might be eligible for including alumni and claims-free savings
Driver's Ed
Is your child almost ready to take the wheel? Encourage them to take driver’s ed to save on Toronto car insurance
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
Savings: $197
Driver: Female, age 39, Toronto, ON
Driving: 2014 Chevrolet Cruze 4DR
Current Rate: $1,969
Cheapest Rate: $1,772
Insurance Company: Aviva
Savings: $265
Driver: Male, age 49, Toronto, ON
Driving: 2016 BMW 550
Current Rate: $2,912
Cheapest Rate: $2,647
Insurance Company: TD Insurance
Savings: $419
Driver: Male, age 21, Toronto, ON
Driving: 2012 GTI Hatchback 2DR
Current Rate: $2,946
Cheapest Rate: $2,527
Insurance Company: Economical Mutual
Savings: $538
Driver: Female, age 62, Toronto, ON
Driving: 2011 Nissan Sentra SE-R 4DR
Current Rate: $2,292
Cheapest Rate: $1,754
Insurance Company: Johnson Insurance
Savings: $202
Driver: Male, age 34, Toronto, ON
Driving: 2017 Honda Civic 4DR
Current Rate: $2,983
Cheapest Rate: $2,781
Insurance Company: belairdirect
Savings: $496
Driver: Female, age 31, Toronto, ON
Driving: 2016 Kia Optima EX 4DR
Current Rate: $2,304
Cheapest Rate: $1,808
Insurance Company: TD Insurance
Fun facts for Toronto car insurance quotes
Trends we've noticed about Toronto drivers who have completed quotes on InsuranceHotline.com
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.
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.
