Compare home & car insurance quotes from top insurance brokers in Toronto

Compare Toronto car insurance rates and save more than 19%.*

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Comparing insurance quotes from Toronto insurance brokers: what you need to know.

An insurance broker is licensed to sell insurance and can work independently or for an insurance brokerage.

Working with a broker is different than buying a policy from an agent. Brokers can show you products from multiple insurance companies. Agents can only offer products from the company that employs them.

Like an agent, a broker can help you sort out your insurance needs, help you choose a policy, and secure a contract. In exchange, brokers earn a commission. However, licensed brokers are professionally obligated to prioritize the customer’s needs. Brokers work for the consumer, not the insurance company. In fact, brokers don’t sell insurance — they act as the middleman between the consumer and the insurance provider, and they cannot favour an insurance company over another.

Using an insurance broker is a great way to shop the insurance market. Comparing the products from multiple insurance companies is recommended to ensure you get the best value for the premiums you’ll eventually pay.

Sometimes, brokers can even negotiate on your behalf. The prices of insurance products are mostly fixed, but occasionally, brokers can leverage their relationships with insurers to help you access discounts or even a lower rate. includes brokerages in our digital marketplace.

That means you can compare insurance rates from brokers alongside quotes from insurance companies.

While insurance brokers may not have relationships with all providers in the Canadian insurance market, we can compare 50+ insurance providers for you in less than three minutes, any time, any day. No appointment necessary.

Keep reading to explore the benefits of using an insurance broker, how to connect with a broker through, and how to find one in your area.

How it works. Hint: It’s free!

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What our users say:

July 19
Shopping the insurance market
Friendly professional service.
Harold Brassard
July 18
Responsive helpful
Very helpful thank you
Karel Ferenc
July 17
Great Customer service
I was very happy and please with the outcome of the call, all my questions were ...
July 17
Great service. Great insurance rates
Aqeel Ahmad
July 17
Quick and easy
Quick and easy. Very helpful broker
Peter Deeprose
July 17
Very knowledgeable and helpful sales…
Very knowledgeable and helpful sales staff.
Lisa Rucha
July 17
Mark was very informative and not…
Mark was very informative and not pushy. He was very helpful and I appreciate it...
Brenda Hanzuk
July 16
Super helpful
Super helpful, quick and easy!
Mandy J
July 12
Excellent service
The lowest rates agent called me right after I finished the initial question and...
D-Glenn Surgenor
July 11
Professional all the way!
They were able to find the right coverage at the right price in a short time. P...
July 10
JADAN M from Scoop is great!
Otnell Lewis
July 10
I was contacted by a broker who offered…
I was contacted by a broker who offered me home and automobile insurance at a mu...
James Mercer
July 7
Best price
It’s fast and easy to get home insurance
Alem Ahbte
July 7
The name says it all
The name says it all, lowest rates available and very professional service. 5 st...
Adam Koester
July 6 is a tool not to ignore.
LowestRates has presented me with a choice of insurance companies I was able to ...
Leonid Katsap
Front view of a car. Illustration.

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

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from July 18, 2024
Female, 26 years old
Lowest Rate
Average Rate
Quote from July 18, 2024
Female, 28 years old
Lowest Rate
Average Rate
Quote from July 18, 2024
Male, 44 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

What you need to know about insurance brokers in Toronto

Should you use an insurance broker?

There are many benefits to using an insurance broker. Here are some of the biggest ones.

  • Brokers can compare many insurance companies at once. If you need help determining which insurance company can offer you the best value, an insurance broker will show you more options than an agent. The difference between a broker and an agent is that a broker works with multiple insurance companies. By contrast, an insurance agent works for just one.

  • Brokers can help you get a lower rate. Brokers can even negotiate the best rates for you in some cases. Because brokers have relationships with multiple insurance providers, they can sometimes negotiate rates and group discounts.

  • Brokers work for you, not the insurance companies. They don't sell insurance; they broker deals between customers and insurance companies. Brokers can provide impartial advice on your coverage needs, helping you avoid paying extra for features or products you won't use. They can also advise you if you're contemplating filing a claim and help you appeal a denied claim. Even though they earn a commission from the provider, they can only make suggestions based on what's best for you.

  • They can help your claims get paid out sooner. Working with an insurance broker can make the process smoother if you ever need to file a claim (which we hope you won't).

  • They are knowledgeable about the insurance market at large. Insurance agents are dedicated to a single insurance company and are often limited in what products and advice they can offer. Brokers usually have broader knowledge about the insurance market.

  • They are also specialists. Some brokers specialize in one type of insurance. Specialized brokers will be knowledgeable in the kind of insurance policy you're looking for and may be able to provide insight that an insurance agent, or even a general brokerage, may not have. The downside of going with a specialized brokerage is that you may have to look elsewhere once you require a different type of insurance. Many brokerages will strike a balance by specializing in a handful of insurance types, such as auto, home and business.

In short, can connect you to brokers who have extensive industry knowledge and can advise you on what you may (or may not) need. Brokers often prove their value when you're in the thick of selecting an insurance policy or filing a claim.

How are insurance brokers licensed in Toronto?

All insurance brokers in Canada must achieve a base-level provincial license before they can sell insurance in their province.

They also have the option to pursue further certifications and professional development.

Insurance brokers are regulated by the Insurance Brokers Association of Canada, a self-regulatory organization with a provincial branch for each province. Each branch oversees the licensing process for insurance brokers working in their territory. Toronto insurance brokers belong to the Insurance Brokers Association of Ontario.

Top insurance brokerages in Toronto

Torontonians have plenty of options for insurance brokers. Below are some of the city’s best-rated ones. We selected them based on whether they received a meaningful number of reviews on Google and were awarded an average of at least four out of five stars.*

Auto, home, condo, tenant, landlord, business, commercial
700 University Ave, Toronto, ON M5G 1X6
HUB International
Auto, home, group, business, commercial
595 Bay St. Suite 900, Toronto, ON M5G 2E3
Auto, home, condo, tenant
225 King St W Suite 1000, Toronto, ON M5V 3M2
Leibel Insurance Group
Auto, home, condo, tenant
401 Bay St. Suite #1600, Toronto, ON M5H 2Y4
Auto, home, condo, tenant, landlord, boat, rideshare, commercial, life
110 Yonge St, Toronto, ON M5C 1T4
Auto, home, condo, tenant
225 King St W Suite 1000, Toronto, ON M5V 3M2
RH Insurance Inc.
Auto, home, condo, tenant, landlord, boat, builders' risk
20 Queen St W Suite 1101, Toronto, ON M5H 3R3
Square One Insurance
Home, condo, tenant, landlord
1 Dundas St W #2500, Toronto, ON M5G 1Z3
Westland Insurance
Auto, home, condo, tenant, travel, business, pet, group
333 Bay St. Suite 740, Toronto, ON M5H 2R2

*As of Sep. 2023

Connect with an insurance broker in Toronto. Save on premiums. Just like that.

Is an insurance broker? is not an insurance broker, but we can connect you with insurance brokers. is a free rate comparison tool that allows users to compare a wide range of financial products, including auto and home insurance. Consumers can compare offers from more than 50 insurance providers, credit cards, mortgages and loans.

Can I connect with a Toronto auto insurance broker on

Yes. is here to help if you're looking for an auto insurance broker. Comparing auto insurance quotes on our site is easy, simple, fast and secure. By providing information about yourself, your vehicle and your driving habits, you can choose between the best rates offered by our partners. These offers come from a mix of direct writers and insurance brokers. A direct writer is an insurance company that only issues insurance policies from one company and usually only has an online presence. Whereas a brokerage can choose from several insurance companies when securing your policy, an insurance agent can sell you a policy from one company only — the one they work for.

Can connect me with a Toronto home insurance broker?

Yes, you can! Our customers can also obtain a home insurance quote on by filling out some simple information about their home and its occupants. Similar to getting an auto insurance quote, we will show you the best offers from our partners derived from a mix of insurance companies and insurance brokers.

How do I work with a Toronto insurance broker? automatically shows you the best offers from companies in your area. Some brokerages operate in one central hub, whereas others operate in several locations. works with numerous insurance brokers in Toronto, the Greater Toronto Area, and several direct writers.

We offer a wide range of insurance coverage options through our partners in Toronto, including auto insurance, home insurance, renters or condo insurance, commercial insurance, etc. Compare rates from our partners in Toronto by completing a quote at

What other kinds of insurance can I get with compares a wide range of insurance products, from standard products like home and life insurance to more unique offerings like pet insurance.

Here's a complete list of the insurance products you can compare on

I'm an insurance broker in Toronto. How do I work with

If you're interested in working with us, that's awesome! We're always eager to meet potential partners and are excited to get to know you better. To get in touch with us, navigate to the Contact Us section, which you can find at the bottom of the site. After entering your name and email, select "Becoming a Partner" from the Topic dropdown. Please include a message about who you are and why you're interested in working with One of our sales representatives will contact you shortly.

Alternatively, click this link to learn more about how working with can grow your business. We can't wait to meet you!

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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*Shoppers in Toronto who obtained a quote on from January to December 2023 saved an average of $643 per year. The average savings represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third-lowest quoted premiums generated by