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What our users say:

February 16
Fast and easy good response
Fast and easy good response
Robert Burke
February 16
Great service
Great service
Waseem Akhter
February 15
Website is easy to use the…
Website is easy to use the representatives were so helpful, wasn't on hold long ...
February 15
very easily approach for info and clear…
very easily approach for info and clear to understand
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
February 14
The person i talked made it easy she…
The person i talked made it easy she was easy to talk to she quick and i feel i ...
Calvin Shelley
February 13
very good and easy
very good and easy
Noel Tavas
February 10
The agent was very pleasant
The agent was very pleasant and thorough. She reviewed the important informatio...
Bernard Wrobleski
February 10
Finally service
Knowledgable friendly considerate and concerned
Rick D
February 9
Very fast
Very fast, efficient and helpful. I would not hesitate to recommend this company...
Anna Paquette
February 9
Friendly approach and talk and showing…
Friendly approach and talk and showing kindness and help.
Abdul Lodin
February 7
The agents i dealt with were amazing
The agents i dealt with were amazing! Thank you to Juliana & Alicia
Concetta Mastrangelo
February 7
Very Kind and Patient
Very kind all the way through. Took time to explain every step and were patient ...
Hunter Hughes
February 2
Easy to use and quick follow up
Easy to use and quick follow up. Thanks .
Terry Collins
January 31
Very pleasant to deal with.
Very pleasant to deal with.
January 31
Representative was extremely helpful…
Representative was extremely helpful and was able to assist in all our needs.
Laura Dunsford
January 19
I was treated very well
I was treated very well, the person that was helping me was very helpful and fou...
Tim Bob
January 18
Great service
The response to my inquiry was quick. I received a phone call a few hours later ...
Sherri Leclerc
December 4
Quick turnaround
Quick turnaround, I am really happy with the process so far.
Breno Mendonca
November 11
process was easy and professional
The process was easy and professional
James Robichaud
November 1
The young man was very courteous and…
The young man was very courteous and professional. We didn't qualify due to low...
Teresa Penning
October 26
Quick and friendly response.
Quick and friendly response.
Dan Rochon Rochon
October 13
prompt respond
prompt respond, knowledgable
Brano Lapin
September 27
The agent was Patient and knowledgeable…
The agent was Patient and knowledgeable answered all my questions
Richard Young
August 31
The agent (Jan) was most professional
The agent (Jan) was most professional, courteous, and friendly.
Kewal Khanna
July 27
They gave me a lot of important…
They gave me a lot of important information
July 13
June 23
One Stop Shop - best rates with multiple companies
Found great rates with multiple companies which made it very easy to quickly ass...
Maryann O
June 22
Very professional polite & knowledgeable
Very professional polite & knowledgeable
Raymond Beaudoin

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When you find the best quote, secure your Etobicoke auto insurance rate by talking to a licensed broker or agent.

Car insurance in Etobicoke

Like other districts in Toronto, Etobicoke requires car drivers, owners and lessees to carry valid auto insurance. Not doing so can lead to a fine ranging from $5,000 to $50,000, in addition to a driver’s license suspension and vehicle impoundment.

The Financial Services Regulatory Authority of Ontario (FSRA) is the governing body responsible for overseeing the auto insurance industry. It makes sure that all providers are licensed and follow the rules, while delivering fair rates to their customers.

With that in mind, let’s look at the different types of coverage offered to you in Etobicoke.

Mandatory Etobicoke auto insurance coverage

To ensure your auto insurance meets government-mandated requirements, it must include the following coverages:

Non-mandatory Etobicoke auto insurance coverage

While basic auto insurance should have you covered in most cases, you can always build on top of your coverage. Here’s what you can add:

Ready to buy auto insurance? Be sure to compare quotes on to find the cheapest auto insurance price available in Etobicoke.

Factors that determine your car insurance rates in Etobicoke

You may have noticed that some people get higher insurance rates than others for what seems like arbitrary reasons. In reality, insurers take several different factors into consideration when determining your rate, all of which are meant to estimate the likelihood of you making a claim. The likely you are to do it, the lower your rate will be.

Here are some of the factors they consider:

Car insurance rates for Etobicoke seniors

When most people think of seniors, they usually picture people aged 65 or older. However, in the insurance world, you can get the benefit of seniority as early as the age of 50. Statistically, drivers over 50 are the least likely to file a claim – due to their extensive driving experience. And as you already know, fewer claims lead to lower rates.

Despite this, once you retire, you may still find it difficult to afford auto insurance, which is why we recommend the following:

Car insurance rates for students in Etobicoke

If you’re under the age of 25 and you happen to be a student, then paying an auto insurance premium can be a tough proposition. You don’t have a consistent income (due to being in school) and your premiums are exceedingly high.

Insurers charge drivers under 25 more than older drivers because they are more likely to get into a serious accident and file claim. In fact, according to the Traffic Injury Research Foundation, more than 700 young people are killed in road crashes each year in Canada, while 50,000 are injured, often seriously. Insurers factor statistics like these into their rates, and unfortunately, even safe young drivers can’t escape their high premiums (mainly because insurers lack the data to tell safe and unsafe drivers apart).

However, you don’t have to be stuck with high premiums for long. Here’s what you can do to lower them:

Car insurance for new immigrants in Etobicoke

As a newcomer to Canada who wants to drive, there are two things you need to worry about: getting a Canadian driver’s license and purchasing auto insurance.

When it comes to insurance, the biggest problem that afflicts many immigrants is the absence of an insurance record from their previous country (as not every country requires drivers to have auto insurance). Because of this, insurers label them as ‘inexperienced drivers’ and charge them a high premium.

Given that living in Canada can already be a pricy proposition, piling a high insurance premium on top of that is bound to make things worse. However, there are several options you can try:

Car insurance for high-risk drivers in Etobicoke

If your driving record has too many traffic violations and/or if you’ve been in multiple at-fault car accidents, insurers will label you as a ‘high-risk driver,’ significantly increasing your insurance premium. Some insurers may refuse to work with you in the first place, in which case you’d have to consult the Facility Association – an organization that consists of every auto insurer in Canada and provides insurance to those who can’t get it the normal way.

For most high-risk drivers, however, the biggest worry is high premiums. Here are some steps you can take to lower them:

Front view of a car. Illustration.

See how our customers in Etobicoke save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from February 20, 2024
Male, 20 years old
Lowest Rate
Average Rate
Quote from February 20, 2024
Male, 30 years old
Lowest Rate
Average Rate
Quote from February 20, 2024
Female, 36 years old
Lowest Rate
Average Rate

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

How to get the cheapest car insurance in Etobicoke. 

It's easy – if you know how. Here are some of the best ways to lower your auto insurance premiums:

Shop around

We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.

Buy the right coverage

Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.

Drive responsibly

Your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.

Pay on time

Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.

Bundle up

Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.

Be safe, not sorry

Safety features like winter tires and alarm systems can help reduce your insurance premium.

Stick with one insurer

Most auto insurance companies give special discounts to customers who stay with them for a number of years.

Take a course

A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.

Keep driving

The math is clear: more experience on the road equals lower car insurance premiums. Young drivers almost universally pay higher rates for car insurance. While it’s difficult for new drivers to secure cheap car insurance rates, you may be able to lower your rates by maintaining good grades and attending driving school.

Look at location

Where you drive affects your premiums. Some areas are associated with higher rates of car accidents and theft.

Choose the right car

Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.

Track your driving

With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.

Frequently asked questions about car insurance in Etobicoke. 


How much is car insurance in Etobicoke?

There is no set car insurance rate for Etobicoke. Individual factors such as your driving record, age, car and so on will all play a role in determining your particular premium. Your neighbourhood in Etobicoke will contribute to this number as well. To learn more, be sure to compare quotes on to see the range of available premiums in your area.

Which Etobicoke postal codes have the cheapest average premiums?

In 2021, the cheapest auto insurance rates were in areas with postal codes starting with M8V, M8W, M8X, M8Y, M8Z and M9B. Most of these are in the south of Etobicoke, closer to Lake Ontario, where traffic is a little less dense.

Which Etobicoke postal codes have the most expensive average auto insurance premiums?

In 2021, the most expensive auto insurance rates were in areas with postal codes beginning with M9V and M9W.

Both neighbourhoods are in north Etobicoke, close to Highway 401, which is considered to be the busiest highway in North America. Given that dense traffic is one of the biggest causes of car accidents, the proximity of these neighbourhoods to the highway could explain why they have the higher rates.

How do Etobicoke car insurance rates compare to other cities in Ontario?

According to our research, Etobicoke's annual car insurance rate in 2021 was roughly 0.7% lower than the annual rate in Toronto, which has some of the highest rates in Ontario.

Will average auto insurance rates in Etobicoke increase or decrease in 2023?

2023 should see a solid increase in average auto insurance prices. In fact, a lot of insurers already filed rate increase at the end of 2022. It’s also worth noting that over the course of the pandemic, car insurance prices have decreased drastically, as fewer people were driving during the lockdown, leading to fewer accidents and filed claims. This resulted in lower rates for consumers.

However, now that the lockdown is over, more people are driving, which is bound to increase the rates back to where they were before the pandemic.


Taras Trofimov

Taras Trofimov 

About the Author

Taras is the Content Manager for He has produced thought leadership content for organizations like Constellation Software, Facebook and Yellow Pages as well as outlets like The Globe and Mail, Autoblog and MSN Autos.


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*Represents the average saved by shoppers who obtained an Etobicoke quote on and transacted via our contact centre between January and December 2022. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by