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What our users say:

June 12
Quick response and was able to connect…
Quick response and was able to connect me with a broker rather quickly...well do...
June 11
Spoke with Gord Allen he answered all…
Spoke with Gord Allen he answered all my questions.
Patty Bryans
June 10
Fast process.I got a call just in…
Fast process.I got a call just in minutes
Zoltan gal
June 10
The service was quick and convenient.
The service was quick and convenient.
June 8
June 8
I found the representative to be very…
I found the representative to be very professional and informative.. I was asked...
Martin Sorenson
June 7
Amazing experience with Briana
Amazing experience with Briana. She was patient and very helpful. I would recomm...
Cassandra Tavares
June 5
excellent service
June 4
Highly recommended I saved a lot of…
Highly recommended I saved a lot of money and didn’t waste any of my time easy...
Rick V
June 3
Not too many questions
Not too many questions. Simply and easy to follow
Eric Gyamfi
June 3
Was extremely easy and quick to get a…
Was extremely easy and quick to get a quote. Friendly associate who was informat...
June 2
Great customer service!
Great customer service!
Owen Thompson
May 31
I really liked how this company did all…
I really liked how this company did all of the research for me . My advisor Rona...
Renee Thibert
May 28
Professional dialogue
Professional dialogue. Very knowledgeable.
Donato Simone
May 25
Customer service at its best
Customer service at its best. Maria was so great helping me a lot by providing m...
Adounis Hamade
May 23
There going to help you be covered as long as you keep keep up with your monthly payments against somebody else s fire and flood damage if you started the fire or flood by no fault of your own doing .
My sister refused me to cooperaters in hamilton for apt fire insurance .they gav...
Cindy Lou
May 15
The Hope of a more cost saving policy
The Hope of a more cost saving policy
Caroline m Fremont
May 14
They went through the insurance…
They went through the insurance information with me , and allowed me to save hun...
Kevin Jessome
May 5
I was so impressed with your…
I was so impressed with your representative- Bhakti Joshi for her help in walkin...
Maureen Driscoll
May 5
The fellows were very friendly and…
The fellows were very friendly and helpful
Leona Toner
May 4
Very Helpful when time you need it
I have been using lowest to find the best raye for any of my insurance a...
April 19
Sean was easy to talk too and very…
Sean was easy to talk too and very informative.
April 12
fast responce
fast responce, great people to talk to explaining everything, What a Great web s...
Larry Rowthorn
April 6
Easy and friendly process.
Easy and friendly process.
April 5
Very good service.
Very good service.
Tanya Neufeld Eckert
March 30
easy to work with…
easy to work with and find what I needed fast.
Pierre Duprey
March 25
Immediate response
Immediate response
Donald Henderson
March 6
Very helpful team !
Very helpful team !
Shivali Patel

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

Car insurance in Toronto

Auto insurance is mandatory for every vehicle on the road in Ontario, including Toronto. There are minimum standards for the car insurance coverage that drivers are required to carry, outlined in Ontario's Insurance Act. Many drivers opt for additional insurance beyond the legal minimum since this better protects against financial risks related to driving, like property damage and injuries.

Ontario has a no-fault insurance system. This means that all drivers involved in accidents file claims with their own insurance providers to cover their losses. This makes it faster and more efficient for drivers to receive compensation than a tort insurance system, where the driver deemed to be the victim in an accident must sue the at-fault driver for compensation in court.

Mandatory auto insurance coverage in Toronto

As a Toronto driver, you must follow laws set by the province of Ontario for mandatory minimum insurance coverage throughout the province. There are different coverage levels for various types of risks related to driving, and these are all combined in your auto insurance policy.

Here are the types of car insurance coverage required in Toronto by Ontario law:

Optional auto insurance coverages in Toronto

Many Toronto drivers prefer to carry additional car insurance beyond what's required by Ontario law. You have the option of increasing your coverage amounts for the standard coverage types in your policy. You can also opt for additional kinds of coverage that protect you from other types of risks.

Here are some of the optional coverages you may choose to purchase:

Auto insurance providers offer other optional coverage types as well. If you have questions about your coverage, request a car insurance quote using's free online quote tool above. We make it easy to find the cheapest car insurance that meets your needs, and a licensed broker will connect with you to answer any questions you have and secure your rate.

Factors that determine your car insurance rates in Toronto

There are a variety of factors that impact auto insurance rates. Some of these are specific to you and your vehicle and others have to do with broader trends in the economy and the insurance market.

Here are the individual factors insurance providers consider when setting your Toronto car insurance rates:

Besides the factors related to you, your vehicle and how you use it, there are bigger factors that can impact the auto insurance market and drive prices up or down. These include:

Car insurance rates for Toronto seniors

People between the ages of 50 to 65 pay, on average, the lowest car insurance rates.

That's because this age group tends to have a long insurance and driving history, long loyalty to their insurance provider, and multiple insurance products with the same company (like home and auto coverage). Insurance providers favour all these characteristics and reward customers who have them with lower rates.

Seniors above 70 or 80 years old may see their car insurance prices rise. Insurance providers consider older seniors to have a higher risk of accidents. It may also take older people longer to recover if they are injured in an accident, making claims more expensive.

If you are a senior who has seen your auto insurance premium increase with age, comparing rates with different companies may yield savings. Use's online quote tool above to get started.

Car insurance rates for Toronto students

If you are a young driver, you're part of the demographic group with the highest car insurance costs. This is because younger, less experienced drivers are more likely to get involved in auto accidents that lead to claims for insurance providers.

If you have had car insurance coverage since age 16, your rates should begin going down in your mid-20s and will continue to decline as you age.

You can't control your age, but there are some factors you can control to drive down your student car insurance costs. Here are a few tips to reduce your premiums:

Toronto car insurance rates for new immigrants

If you've recently immigrated to Toronto from another country, you will need to get an Ontario driver's license and car insurance.

Immigrants are required to trade their driver's license from their previous country for an Ontario license within 60 days of arrival. Learn more about car insurance for newcomers.

The provincial government honours drivers' licenses from certain countries as equivalent to an Ontario license, making it easier to trade in your old license for a new one. Here are the countries Ontario recognizes for its driver's license exchange program:

You can request your previous car insurance provider to give a reference to your new Ontario insurance company. Sharing information about your positive insurance and driving history can help lower your rate.

If you moved to Ontario from a country besides those listed above, you will need to follow the steps of Ontario's graduated licensing system to obtain your driver's license.

Toronto car insurance rates for high-risk drivers

High-risk drivers can be costlier to their insurance providers, so their rates reflect this. So, who's a high-risk driver? A conviction for a driving offence or being caught driving without insurance coverage can earn you this designation.

High-risk drivers still need auto insurance in order to drive, so there are providers that will offer you coverage. partners with the best high-risk car insurance providers to ensure you can obtain the coverage you need at the lowest rate available.

Front view of a car. Illustration.

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

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from June 11, 2024
Male, 29 years old
Lowest Rate
Average Rate
Quote from June 11, 2024
Male, 19 years old
Lowest Rate
Average Rate
Quote from June 11, 2024
Male, 46 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 Toronto

If you want to get cheap car insurance that meets your coverage needs, there are a few things you can do to find the best price. (In fact, you’re already heading in the right direction by reading up on your options and comparing rates with

Here are the best ways to lower your auto insurance premiums:

Shop the market

We'll show you the most competitive rates from all the leading insurance providers. Now you can compare quotes in one convenient online location. (Just use our online quote tool above to get started.)

Right-size your coverage

Read up on insurance and ask questions when you speak to a broker so you purchase the right policy for your coverage needs. Avoiding frills and extras will save you money. As your car ages and its value drops, you might consider dropping collision protection to save on your premiums.

Drive responsibly

A cleaner driving record earns you a lower insurance premium, along with protecting you and others using the roads.

Pay on time

Insurance providers appreciate timely premium payments, so be sure to pay on time to keep the lowest rate on your policy.

Bundle up

Insurance providers reward customers who purchase multiple coverage types, like home and auto insurance. Consider “bundling” products with the same provider to lower your rate.

Be safe, not sorry

Safety and security features like winter tires, alarm systems and other anti-theft devices can help reduce your insurance costs. Ask your provider for specific requirements for adding equipment to earn a discount. If your vehicle already has special safety and security features, be sure to inform your provider.

Show loyalty to one provider

Most auto insurance companies reward long-time customer loyalty with special discounts.

Take a course

Investing in a defensive driving course can make you a better driver and earn you a lower rate on your car insurance premiums. Check with your provider about courses that qualify.

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 and park your vehicle affects your premium price. Some areas have higher rates of auto accidents, theft and vandalism. Private, secure parking can reduce your insurance rate.

Choose your vehicle wisely

Cars with high safety ratings, low rates of theft, and less powerful engines tend to have lower insurance rates.

Track your driving

Turn your low-risk driving habits into lower premiums with a usage-based insurance policy. You install equipment in your vehicle that shows your insurance provider how often and how well you drive, and in exchange, your provider may be able offer you lower-cost insurance.

Pay annually

Insurance providers may offer a discount if you pay your annual premium all at once, rather than on a monthly basis.

Focus on

Statistics for insured Toronto drivers

Most popular cars in Toronto.

Toronto has more vehicles on the road than any other Canadian city. Here's a snapshot of the kind of cars Toronto auto insurance shoppers are driving, based on the thousands of car insurance quotes completed on

Popular Brands

  1. Honda
  2. Toyota
  3. Hyundai
  4. Mazda
  5. BMW

Who shops for auto insurance in Toronto?

With millions of people getting behind the wheel every day, Toronto drivers are the most diverse in the nation. Based on our own auto insurance data, Toronto motorists actually have a surprisingly low rate of accidents and tickets given the long commute times and heavy traffic in the city.

Gender of our users


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

Facts and myths about Toronto auto insurance.

Myths and rumors abound when it comes to auto insurance. Test your insurance savvy by guessing which of these statements is fact or fiction (don’t worry, we reveal the correct answer).



Car insurance can feel complicated. It’s a customized product, with a variety of factors that can impact your rates. This can easily lead to misperceptions, rumors and myths about how auto insurance works.

At, we break down what factors really go into your car insurance cost, demystify the market for you, and help you find the best price, whatever your coverage needs.

Learn more about Toronto car insurance on this page and when you’re ready to find the best deal on the coverage you need, use our free online quote tool. You’ll get a customized quote for the most competitive rate on your coverage in just a few minutes.

Your questions about Toronto car insurance, answered.


Which Toronto postal code has the highest average premiums? 

The Toronto postal code with the highest average premium is the M6M area, in the former City of York. This postal code encompasses the Del Ray, Keelesdale, Mount Dennis, and Silverthorne neighborhoods. 


Which Toronto postal code has the lowest average premiums?

The Toronto postal code with the lowest average premium is the M5K district, which encompasses a small parcel of downtown Toronto, on Wellington Street between York and Bay Streets. 


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

Despite having a high overall average, Toronto isn’t first on the list of the top five Ontario cities with the highest car insurance rates. According to our data, the highest auto insurance premiums in the province can be found in:

  1. Brampton
  2. North York
  3. Mississauga
  4. Scarborough
  5. Toronto (42% cheaper than Brampton)

Car insurance in Toronto is still higher than the provincial average. Densely populated cities with lots of road traffic have higher than average auto insurance premiums. Insurance companies know that the prevalence of theft and collision in a city like Toronto is higher than in smaller cities by virtue of the population size.

The Ontario cities with the cheapest insurance are:

  1. Ottawa
  2. Kingston
  3. Pembroke
  4. Cornwall
  5. Brockville (59% cheaper than Toronto)

These cities are less populous than Toronto, which on average lends to cheaper auto insurance rates.

If you’re intent on living in Toronto and you want to own a car, don’t sweat these numbers too much. Where you live is only one variable among many that car insurance companies weigh when determining what premium they’re willing to offer you.

Your personal driving habits also factor into the equation in a major way.


Where do I get the cheapest car insurance quotes in Toronto?

To get the cheapest car insurance on the market in Toronto, there’s no way around it: you will need to request a personalized quote from multiple insurance providers and compare the rates they offer you.

No single insurance company will offer the cheapest rate to every Toronto driver. Insurance providers take many factors into account when setting their rates and they each have slightly different ways of evaluating risk. This means finding the best price on your coverage is about making a great match between you and an insurance provider. 

Luckily, makes finding your best rate on auto insurance quick and easy. Just enter a few details about your coverage needs into our free online quote tool above and you’ll receive the lowest priced quote available for your auto insurance. We work with all the best car insurance providers in the Toronto market, allowing you to compare rates in a flash.  


Toronto driving tips

Be cautious around streetcars. When one of Toronto's ubiquitous streetcars stops to open its doors, don't pass between it and the sidewalk. You must come to a complete stop and wait for the doors to close before proceeding.

Yield for buses. Buses in Toronto must be granted right of way as they merge in and out of the curb lane to access stops.

Be aware of Eglinton Crosstown construction. Drivers going through the centre of town should watch out for ongoing construction on the Eglinton Crosstown Line. The light rail project, which cuts through the city along Eglinton Avenue all the way from Etobicoke to Scarborough, is snarling up traffic and extending commute times for drivers. Its estimated completion date has been extended to 2022.

Keep it under 50. Speed limits in Toronto are usually clearly marked, but on streets where no sign is present, the default limit is 50km/hr.

Alexandra Bosanac

Alexandra Bosanac

About the Author

Alexandra Bosanac is the Core Content Manager for Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.

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*Represents the average saved by shoppers who obtained a Toronto 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