Car Insurance in Toronto, Ontario

Driving in Toronto can be a challenge. With one of the largest population centres in Canada, Toronto / GTA has more drivers than any other region in Ontario. As a result, Torontonians and daily commuters on the DVP, 401, and the Gardiner Expressway face some of the most demanding driving conditions in all of Canada. Whether you use your car to commute to work every day or just to get out of town to the family cottage on the weekends, car insurance is what protects you from point A to point B.

We have some good news! With so many car insurance companies competing for your business, finding the right car insurance in Toronto to fit your budget is easy when you partner with a trusted insurance broker.

At BrokerLink, we’ve been helping motorists find the perfect coverage at the best rate since 1991. Our commitment to the communities we serve has made us one of the largest and most reliable insurance brokers in the country.

Get competitive insurance quotes in 5 minutes.

Choose your rate. Get insured. Get on the road.

Compare Car Insurance Quotes in Toronto

Bundle with home insurance and save

Insure your car and home together with the same company and save big on both policies! Plus, you’ll only pay one deductible in the event of an insurance claim involving both your home and car.

Payment options

Whether you prefer monthly, annual, semi-annual or quarterly, we offer flexible payment options to suit your needs. Paying monthly? Choose any day within the month to make your payments!

Accident forgiveness

Good drivers like you deserve a break! Protect your driving history with accident forgiveness. Insurers treat your first at-fault accident as if it never happened, and your car insurance premium will not go up as a result.

my Drive app

Reward yourself for having a good driving history with lower auto insurance premiums and additional discounts based on how you drive. If you’re an Intact customer, you can save up to an extra 25% off already low car insurance rates by using the Intact my Drive App. Enrol and start saving today!

More discounts

You love saving money, and we love finding you discounts! Take advantage of all the discounts available to new and existing clients including, loyalty, away at university, claims-free, multi-vehicle, family discount, and more!

The right approach to insurance

Getting the right car insurance at an amazing rate is just like anything else; it takes hard work to get results! You need to put in the time and effort to obtain quotes from several car insurance companies to lock in a policy you’re happy with, and hopefully educate yourself along the way.

But how are you supposed to know which car insurance companies are the best options for to your individual needs? Do those companies even work directly with consumers? And do you have time in your busy day to compare quotes from several different companies?

It pays to shop around for car insurance coverage

Working with a respected car insurance broker is a smart choice. It’s really simple - car insurance brokers work for you and not the insurance companies. Your satisfaction is a broker’s top priority. That’s why they work tirelessly to help find you the coverage and price you’re looking for. You can rely on a reputable insurance broker to do the shopping for you so you don’t have to.

Plus, brokers have the expertise to help you make the best decision for you and your family, all while providing you with expert unbiased advice.

Car insurance rates can vary significantly from one company to another. And because these providers are constantly underwriting behind the scenes, rates can change every year. That means that the company who offered you the best rate last year may not have the most competitive offer on renewal.

When you utilize the expertise of a professional insurance broker to help you shop around, you’re able to quickly and easily access the best offers from multiple insurance providers every year.

How to get the lowest car insurance rate

Nobody wants to pay more for any product or service. The good news is you have some control over the amount you pay for car insurance. Here are a few things you can do to lower your premium:

Pay annually

Avoid administrative fees that some companies will charge for monthly payment plans by paying your premiums annually in one lump sum.

Increase your deductible

Going with a higher deductible can reduce your overall premium. Consider increasing your deductible to least $1000 if it isn’t already.

Insure all cars together

Is there more than one vehicle in the household? Insuring all of your cars under one policy could save you between 10-20% on each vehicle.

Bundle and save

Own a home or condo? Or maybe you rent? Either way, combining your property insurance policy with your car insurance policy could save you up to 15% on each policy.

Ask for more discounts

Review your policy every year for additional savings. Car insurance companies are always adding and amending discounts, so you may qualify for further discounts that weren’t available to you last year.

Get winter tires

If you use approved winter tires every year, you’ll be eligible for a discount of up to 5% depending on the insurance company.

Learn more about winter tires in our winter tires and safety blog post.

Review your coverage

Make it a habit to review your policy every year. What coverage do you have? Does it still fit your needs? If not, how much could you save if you removed or reduced the coverage amounts?

Attend driving school

Have a new driver in the household? It’s a good idea for all new drivers to register for driving school and receive professional training. Not only will this provide them with the experience and training needed to become a confident driver, it will also save them a lot of money on car insurance. In fact, the savings you receive on your first year of car insurance alone could cover the cost of a typical driving course.

Improve your driving habits

Many car insurance companies have apps that will score your driving habits and reward you with additional discounts for safe driving. Improving your driving skills could save you up to 25% more on your car insurance.

Go hybrid or electric

Times are changing and new hybrid and electric vehicles such as Tesla cars are paving the way for more insurance discounts! Now, driving a hybrid or electric vehicle won’t just save you money at the gas pump, you may actually save on your car insurance too.

Insurance shopping, but way better

We make buying insurance easier by showing you the best options available and helping you find the perfect policy at a great price. Let BrokerLink take the guesswork out of buying and renewing your car insurance. Whether you prefer to shop online or at a community branch, we’ll get to know you and build a plan that fits – nothing more, nothing less. Our team of Insurance Advisors will give you the inside scoop on discounts and benefits that can save you the most money, and help you feel good about what you’re buying.

How car insurance rates are calculated

It’s helpful to understand some of the key factors that commonly influence car insurance rates. How each detail impacts your rate will ultimately depend on the company, but here are a few of the most common rating factors for car insurance:

  • Where you live
  • Age
  • Gender
  • Marital status
  • Vehicle type
  • How you use your vehicle
  • Driving record
  • Driving experience
  • Past claims
  • Prior insurance coverage
  • Number of kilometres you drive
  • Type of coverage on your policy
  • Your deductible

As an insurance broker, BrokerLink does not actually set your car insurance rate. Instead, our professional advisors search the market to help find the best insurance options for you based on your budget, current circumstance, and needs.

Mandatory coverage

This is the minimum coverage required in order to legally drive a vehicle on the road in Ontario. Whether you lease, finance, or own your car, this coverage is designed to protect you, your passengers, your car, and other drivers.


Liability insurance helps pay for other drivers’ property and bodily injuries if you’re found at fault in an accident. In addition to damages and injury, this coverage can help pay for your legal defence and court fees. Although the coverage is mandatory across Canada, the minimum amount varies across provinces.

Accident benefits coverage

If you, a passenger, or a pedestrian requires medical or rehabilitative attention following a car accident, the accident benefits section of your car insurance policy will cover the cost; it doesn’t matter who is at fault in the accident. Keep in mind, there are limits to what’s covered and coverage amounts. Talk to your advisor about your options for increasing coverage for accident benefits.

Direct compensation

This mandatory coverage provides you with compensation when you or your car is damaged in an accident where you are not at fault. It’s called ‘direct compensation’ because you deal directly with your insurance company to recover any compensation following a claim.

Uninsured automobile coverage

This protects you and your passengers if you’re involved in an accident with an at-fault driver who is uninsured or under-insured.

Increased coverage in Toronto and across Ontario

Depending on your situation, the bare minimum may not be enough for full peace of mind on the road – Here are a few of the most popular options that Toronto drivers add to their policy to enhance their car insurance coverage:


Collision coverage helps pay for damages sustained to your vehicle if it’s involved in a collision with another driver or object. Collision coverage also comes into effect if your vehicle is damaged due to a hit and run accident.


Comprehensive coverage applies to damages sustained outside of an auto accident. Some expenses that might be covered by comprehensive coverage include theft, vandalism, fire, and water damage.

Accident forgiveness

Everyone deserves a second chance. If your involved in your first at-fault accident (or your first in a very long time), having this optional coverage on your policy will ensure that your rates won’t go up as a result of the claim, and you will maintain your good driving record for as long as you stay with the same company.

Waiver of Depreciation

If your purchase a new vehicle, you should definitely consider adding this coverage. With this option on your policy, you’re covered for the value of your vehicle without depreciation. So in the event of a theft or total loss claim, you’ll be reimbursed for the full value of a brand new vehicle.

Compare auto insurance quotes in Toronto

When looking for auto insurance, it is extremely important to shop around and compare prices. However, this task can be difficult and time-consuming. Why not let us do it for you? Working with a Broker makes comparing auto insurance quotes so much easier and stress-free. A broker will be responsible for every step of the process, insuring you get the best quote possible. At Brokerlink, we will find you the perfect policy, the best prices and the most discounts.

Navigating through the minefield of your insurance policy can be exhausting. Why take the chance? Lean on Brokerlink to support you in protecting your greatest financial assets. One of our brokers are always available to help!

Get a quote

Get in touch

Want to learn more? Let us be your resource for all things car insurance. From start to finish, our brokers handle the legwork to make sure you walk away satisfied. Get a quote today or give our brokers a call today and we’ll find the car insurance coverage that works best for you.

Frequently asked car insurance questions:

How much should I pay for car insurance in Toronto per month?
That depends on your particular circumstances. Your rate will depend on different factors including your address, your driving history and the type of vehicle you drive. To get a better idea of what you should be paying, talk to an insurance broker.
What is the cheapest car to insure in Toronto?
There is no one cheapest car to insure in Toronto. Two people with the exact same car might have different insurance rates. That’s because insurance companies consider things like your driving experience, claims history and address in addition to the type of car. We suggest you pick a car you like, then talk to an insurance broker to find the best possible rate.
Is there a best car insurance company in Toronto?
Different insurance companies offer different products and have different specializations. We suggest talking to an insurance broker. A broker will shop around different insurance companies to find a solution that fits your specific situation.
Who shops for car insurance in Toronto?
Anyone can shop for car insurance in Toronto! However, we suggest getting a broker to help you. Brokers are insurance experts. That means you’ll have confidence you have the coverage you need.
What affects your Toronto car insurance rate?
Many different factors affect your car insurance rate in Toronto. Some of those factors include: where you live, your driving experience, your claims history and the type of car you drive.
What are the different types of car insurance in Ontario?
In Ontario there are many different types of car insurance. The four mandatory coverages are liability, accident benefits, direct compensation and uninsured automobile coverage. In addition, you can purchase things like collision, comprehensive and accident forgiveness.

For more FAQs, visit the BrokerLink FAQs page.

More ways to find a great car insurance rate


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