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Car Insurance in Canada

Before choosing a car insurance company do some research. To get the cheapest possible rate make sure you call few companies before you decide which insurance company you will join. Make a list of all questions you might have before you call and be ready to answer questions you will be asked. A lot of car insurance companies will try and sell you additional products, which you might not need, make sure you fully understand what these optional features are. If not sure ASK, remember, it's your job to ask questions and their job to answer them. If you are asked a question and you are not sure if you have to answer it ASK. Be sure to visit companies listed below and compare quotes, car insurance can be expensive and you'll be surprised with results and different prices these companies will offer.

Here are examples of questions that you might be asked when getting your online quote:
- your name
- your full address
- how long at the residence
- number of claims in last 3 years (or even last 10 years)
- number of accidents in last 3 years (at fault or not)
- number of convictions (speeding or any other traffic violations)
- does the driver have 5 or more years of driving experience
- has the driver been found by a court to have committed automobile insurance fraud
- Will the car be rented or leased to others, or used to carry passengers or goods for compensation or hire, or haul a trailer, or carry explosives or radioactive material
- have you been refused to insure or your policy been cancelled in the last 3 years
- has your driver's licence been suspended or cancelled in the last 5 years
- What make is your car, year, model, approximate value and mileage
- your current driver's license class
- your occupational status
- your employment status

Another interesting thing here is that most (or some) insurance companies will raise your insurance costs each year. These increases may be small but may add up if you stick with one company for many years. So if you've been insured with same company for 5 or more years shop around - you may be surprised with savings some companies offer to their "new" clients. We also recommend you visit Insurance Hotline as they seem to be doing a good job finding you best rates.

Below is a listing of car insurance companies in Canada. Click the company's name to go directly to insurer's website.

Company Online Quote Phone Number
**Estimated Cost Score
(Registration required)
Alberta, British Columbia, Manitoba, Ontario, Saskatchewan, Quebec, Nova Scotia, New Brunswick, Prince Edward Island, Newfoundland
could not get a quote online
Alberta, Ontario, Quebec, New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland
State Farm Insurance
Different locations
can not get a quote online
Alberta, New Brunswick, Ontario
BCAA Insurance
(Registration required)
British Columbia
Atto & Associates
could not get a quote online
Ontario, Quebec
RBC Insurance
All Provinces
(French Only)
(418) 683-2711
Td Canada Trust
All Provinces
All Provinces
PC Financial Insurance



*Calculations are based on 1 driver per household, no recent claims
licensed for 15 years in province of Ontario with perfect driving record.
**Every 1 point = $1000 per year (example: score of 1.88 equals to $1,800 per year

Today we recommend our highest score winner: PC Financial Insurance

  Coreyn (1/5/2012 6:15:26 PM)
  Insurance companys are righting off to many cars saying there unrepairable !!!! Body shop over quotes a job. Tow truck service over charges And bam !! Right off. Owner get there $10000 for there car, insurance company take the loss and sells it for next To Nothing. !! And they make the loss money back threw well everyone else !!!
  angie. (1/11/2012 7:58:42 PM)
  I am looking for Insurance i just got my G2 and rates are crazy.. i did find a company that gave me a good rate.. well better than what I've seen so far.. with bel air they quoted me 288 a month full coverage. i have had no accidents or tickets. is this still to high? can i find cheaper rates?
  Jay (1/13/2012 1:30:00 AM)
  What is worse is that the restrictions that are on our novice licenses are considered a major when we break them so bam your rates triple. That is BS. So what the insurance companies are saying is its safer to go 49 km/h over in a school zone where kids jwalk all the time then to break one of the conditions of a novice license but yet a fully licensed driver can not wear there glasses and all a cop will give is a verbal warning which is that not breaking a condition of your license as well?? Now that's BS.
  Jay (1/13/2012 1:46:29 AM)
  Also young individuals need there license and money for school in about 2 years after getting there license but yet we have sky high rates so how are we supposed to afford school when our insurance is costing us more then our college tuition does.
  Jenny (1/18/2012 12:38:42 PM)
  I would say you Bel air quote is pretty good. I'm in the same boast as you and they quoted me 400 a month. Which is still the cheapest I can find. State Farm quoted me 1300 a month.
  Pedro (1/21/2012 9:48:36 PM)
  I have several things to say. It upsets me every time I watch a USA commercial and all I see is "switch and save" and every company lowballing each other. What do they offer in Ontario? Better claims service?
  Pedro (1/21/2012 9:52:09 PM)
  The other thing. Ontarians are being discriminated based on where they live. I am lucky I am at a location with lowest insurance rates in Toronto. I'm 22, primary driver with 1 accident, and I was paying $245/mo with Desjardins. I had my renewal coming soon and I got into another accident. I then got my renewal and it actually came down to $218/mo. However if I want to move closer to work, my insurace will go up to $505/mo based ONLY on the new postal code!
  Buddy (1/31/2012 8:55:26 PM)
  I have had very bad experience of taking one way insurance's from TD canada Trust....& they increased my insurance premiums without me having any fault or ticket...don't trust them, then I switched to State Farm...they started at 170 per month just so that I could keep driving without spending a single cent on any of the repairs to my car..with a 500$ deductible..then increased it to double after six I switched to Co-operators for a one way insurance & they too increased it to more than 50$ without spending a single cent of what I have given them in premiums...& I have a clean record without any I have wasted my hard earned money just to make these insurance companies richer...& those in Government responsible for it.. to get richer...I sure hope the higher they climb the greater is their fall......
  Bubba (2/4/2012 11:52:34 AM)
  ...just moved from BC. Government Insurance was $120/mth. Been driving 20 years with no accidents or claims except windshields. $200/mth in Ontario??? WTF!!! $200 to cancel insurance??? WTF!!
  kush (2/7/2012 3:15:57 PM)
  Hello, I got convicted for driving without insurance and speeding 15km over both last year and my insurance company won't renew my premium. I've been shopping around, the cheapest i've got so far is $350/month. I have a full G since 2005. Can anyone tell me where i could get a cheaper premium???
  Norbert (2/9/2012 4:53:00 PM)
  kush, what was your fine for driving without insurance? And speeding?
  kush (2/13/2012 5:14:28 PM)
  The fine was $5000 and i got speeding ticket for speeding 75km/hr in 60km/hr zone. Thank you.
  BOB (2/15/2012 7:46:33 PM)
  I am 19 years of age, looking to getting a car, possibly a Honda civic 2005 or something, G1 getting my full G, any suggestion to the best and cheapest possible quote? My parents told me they were asking around and found my "lowest quote" of 1200$... i can get another friggen car with that!!! I have a clean record and been driving insured under my parents since G1 at 17 of age. Plz Help!!!
  Dr. (2/16/2012 11:36:11 AM)
  Bob, did you research on your own? Call around? See if you get lower than 1200?
  Brit Bird (2/24/2012 3:14:00 PM)
  I came to Ontario from the UK in 2010 and despite having a clean driving record for the past 20 years am disgusted at the high premium rates that insurance companies charge. it seems there is nothing regulating this and it as become a free for with the ever increasing gas prices, but thats another story!! The ironic thing is I work for a rehab company and assess peoples injuries following accidents. Its heartbreaking to see the unnecessary rigmaroll that people have to go through to access med benefits. Insurance is a one way scam out of our pockets straight into theirs. The Ontario Gov should be ashamed that their citizens are being ripped off and put a stop to it....we ALL need to make a stand but where do we start...perhaps a petition and demonstration against all the so called Fat Cats.
  Andrea (3/14/2012 2:03:54 AM)
  Well,I dont know what to say.I was living in Europe,and came back,and had to get my licence again.I am cinsidered a new driver,even thogh I was driving for years.It was expired.So anyhow,as for insurance,I am looking around,as we speak,I think I have found for 400-500 a month.Which is ok,considering,my mom had it under her name,but was so terrified of me driving,she was paying 115$ a month.But I had to change it,cause she wouldnt let me drive my own car!! Now I have to pay double,try Statefarm.
  Thomas (3/21/2012 5:07:55 PM)
  Does anyone know anything about walmart insurance? I've seen their site, pricing looks not bad at all.
  Rasheed (3/22/2012 2:09:31 AM)
  Statefarm company robs people. Hey government can you help poor people? because they take all our moeny and our kids will be Distroficks In Canada!
  nghtrvn (3/23/2012 12:22:04 PM)
  I have been involved in an accident, not at fault, so I know the importance of insurance, but I was only awarded $5000, this is because of no-fault insurance... No fault insurance is a scam because it was implemented to protect drivers from sky rocketing insurance prices...But insurance prices haven't changed that much to reflect... I have been driving full time under a renters lease and I am looking to buy a car and get insurance again, but they still consider me as a new driver... The amount of money they are looking for is outrageous, insane, and an insult, with no convictions, and no cancellations... This is what no fault insurance was supposed to be for, we are being ripped off blatantly and nothing to say to anybody as our government controls this...Something needs to be done…
  Dave (4/5/2012 11:36:28 AM)
  For all those thinking of driving without insurance...know this a) you cannot get your stickers in Ontario anymore without valid insurance, they do a online search for your VIN number and if it does not come up then 'NO' sticker. b) almost all police cars can now scan your plates and know almost instantly if your plates are up to date and if you have insurance. A 10 grand no insurance ticket = good luck getting insurance in the future. Also 6 months with no insurance, no matter how long you have been driving insured for will get you rated as a new driver with no history! And if I'm hearing correctly insurance under a 'rental' car no longer qualifies as being insured.
  Quinto (4/12/2012 1:59:41 PM)
  Stop talking and get in action we are happy to get it without vaseline! In Toronto we are more than 2,000.000 crying BABYS writing on the internet. It's time to do something about.
  barbara (4/17/2012 9:40:33 PM)
  need to know where to get cheap insurance... mine was just cancel , payment went back from bank as i was out of the country for 2 months. policy now cancel
  Tessa (4/19/2012 3:38:37 PM)
  I am wondering even tho I haven't driven for the full 5 years, if I have jumped from a class 5 to class 1 driver shouldn't I get a better insurance rate cuz now I'm a professional driver?
  Sam (4/20/2012 5:36:12 PM)
  Tessa, you're dreaming, good luck to you (and the rest of us!)
  fiddy (5/1/2012 12:33:55 AM)
  I have 3 tickets and the cheapest quote i got was $495 per month or these people for real i have bills to pay. I decide to park my car and take the bus.
  Amy (5/2/2012 10:19:51 PM)
  Hi everyone, I was wondering if anyone could let me know if the insurance company can force you to provide other members of the family driver license or insurance policy? I am currently living with my parents but paying for all of my own expenses. With my situation, my parent told me to be responsible for my own transportation by buying my own insurance and car as a primary driver. We drive our own cars only. Can the insurance company do that? Or do I have to move out and live at a different address??
  Jody (5/3/2012 5:49:31 PM)
  268 a month for insurance seems crazy. I'm paying almost as much for my car. No tickets, 45 years old. I have driven a friend's car since mine died. I am wondering why such high rates?
  T.Dooley (5/15/2012 6:00:44 PM)
  Does anyone know where I can get a cheap insurance? the lowest I got was 627 and thats a killer,I have a 2000 accord "SE",I currently hold a G2,going for G end of this month,can someone please refer me to a good company?
  scott (5/16/2012 11:39:03 PM)
  what do i do if i have 2 cancellations in the past 2 years anyone know what company to go to for cheaper insurance?
  Maya (5/21/2012 4:02:40 PM)
  Hi everyone , i have a 1999 volvo S80 and i pay $281/month and now i want to buy a 2010 Nissan and i searched through the net for the same price i can't get it also in the same Insurance company they gave me around $5,450/year and more than this amount , why i can't get the USA car insurance there they pay nothing for the same car ??!!! i hate to say i'm sorry i'm stuck in Ontario , also my friend she's from Burlington, Ontario and she surprised about how much i pay for my old 99 Volvo and her car is much more newer than mine and she pay less , and we still both belongs to ONTARIO , CANADA!!!!
  David (5/24/2012 3:56:14 PM)
  I have 3 tickets on my record now and I cant seem to get a good quote on my insurance. I own a 2002 Acura rsx base and had my g for 4 years. I got into an accident due to weather conditions my car was a write off but the insurance did not pay for any repairs on the car. Please I need to be insured and wanted a good rate. ontario, Canada
  James Sleigh (6/14/2012 4:28:02 PM)
  Insurance is a rip off. If your house is paid for, you can cancel the insurance, but by law, your car must be insured. Then why is auto insurance not controlled or governement-run rather than run by greedy private companies? No way round it. We are bn being ripped off Two examples of greed: I have had a perfect driving record since 1959 but recently delicately scraped a parked car's bumper - what a storm in a teacup over a tiny graze! My car is pretty well unmarked and in any case I never had collision insurance, but now my insurance company (Scottish and York) wants to reduce me from a 9-star (perfect record) driver to a 5-star driver and increase my premiums by 30% Another example of greed was the time I cancelled my car insurance because I was leaving the courntry for a couple of months. When I came back, it was a case of a new policy and they DOUBLED my premiums! Unfair. Right now I am shopping round for cheap car insurance.
  Carolyn (6/29/2012 4:23:58 PM)
  Have just been car ins. shopping...checked out a ton! of a 9 star driver claims, etc. but my ins. goes up every year..a lot. All companies I have checked so far are all the same seeing COLLUSION on a big scale.
  arash (7/5/2012 6:40:22 PM)
  kush, Which insurance company did u get the qoute for 350/month?
  G. Quintin (8/10/2012 3:23:38 AM)
  I'm a Canadian living in Pennsylvania and I'm paying $142.00 per YEAR not month for basic.
  Sai (8/16/2012 10:33:21 PM)
  I had been paying 160/month with State Farm before 2007, left the country for 2 years. Back in 2009 started paying $221/month with TD, 2010 increased to $280/month. 2011 increased to $321/month. Switched to RBS $277/month, now RBC increased to $387/month. No accidents driving since 2001 clean record with 2yrs break. ow PC gave me $240/month online quote multiline, ill try that.
  kevin (9/1/2012 8:39:23 PM)
  canada is the most currpted country for insurance and gas, there is noone here to answer people, about stupid, insurance rates . insurance bussiness is like other bussiness, you either some times you lose sometimes you gain. they cant just increase the rate insurances because someone had an accident. this government must be working with insurance company somehow in ontario behind the curtin. we live in canada, why insurace in cheap in Quebec but is very very expensive in Ontario. is this government people are there to work for people or for insurance co. sorry all for my weak english ability. have a great night.
  Lulu09 (9/13/2012 5:26:23 PM)
  Instead of everyone complaining here please lets do something concrete about it.I've never seen the kind of apathy most Canadians have towards their thieving government.Let's start a petition on and write to our various MP's and tell them they either get the insurance DOWN or get ready to be kicked out! This is just so unbelievably outrageous;Canadians are such a mindless bunch of pushovers!!
  angel (10/4/2012 7:49:52 PM)
  all people are doing complaining and not doing anything about it. I was living in upstate new york and my insurance was 696/year 58/month. it is a disgrace, I just return to back to ontario and i am ready to leave again.
  DOW (10/13/2012 10:11:11 AM)
  I had a DUI last year and all insurance companies want me to pay MORE for insurance than I am paying for my car payments, I keep telling them, I will just buy another car and if i smash my first one, i will have a replacement for less than the cost of fucking insurance,, the government has to step in and control these outrageous insurance prices.I have been driving for over 30 years with only 1 offence and it all goes to hell. imagine the cheapest i can find is $245 a month, INSANE NewBrunswick, this province is BS!!
  Andy (10/14/2012 11:57:14 AM)
  Dow, you had a DUI and are expecting what? Hope it tought you a lesson.
  Dave (11/1/2012 12:34:10 PM)
  "stop complaining and do something/we have to do something about this" NO there is NOTHING TO DO DONE AND NOTHING THAT CAN BE DONE. do you people honestly believe this "B.S" will change? if they have the balls to continue "legally" stealing from your pay checks, what makes you think that if you DID do something- that they wont step in to stop you? what makes you think they wont hire someone with YOUR money to assassinate you or put you in some kind of threat just so they can stop you and continue they're money stealing? they have successfully paid off the government ALONE just to fk you over, they have put in COUNTLESS money just to TRICK you into their "affordable" rates. these are things that some people already know, so what makes you think they havent done something that you DONT know?
  Joe Pal (12/27/2012 2:36:55 PM)
  My insurance company doubled my rate just for moving from the west side of Toronto to Scarborough. I am a commercial driver for more than 10 years with no ticket or accident. I think we need to get together and start a nonprofit insurance company.
  Vato (12/28/2012 3:02:42 PM)
  I've never had an accident or a ticket in 40 years of my driving, and they raised my premium because all I did was moving to the Rouge Hill area. All of the insurance companies in Ontario get the orders to hike insurance premiums from the FSCO (I guess it's a government agency). We're being robbed in broad daylight! I think we should raise our voices to put a stop to this outrage. Why not to start bombarding the FSCO with complaint letters from all over Ontario, and even go out into streets... Let's not be meek and fight back! Let's get things moving.
  Gina (1/22/2013 3:07:24 PM)
  Hi all. My problem is...i got my licence 12 years ago.I come to Canada Ontario almost 3 years ago, and i went to do the Ontario licence.I got full G 2011 NOV., and the Insurance company does not accept the record.I have a prove letter from the Hungarian Embassy, but they don't care.We pay a lot of money.So if you know somebody that company who is expect the record let me know.Thank you.
  Bill (9/3/2013 10:20:33 PM)
  Had my current insurance company fail to renew due to a DUI. I need to find a company that will insure with that conviction and the 9 month suspension that went along with it, BUT also the car I am driving is over 20 years old which alot of companies do not insure. I do not have any claims, accidents, or other tickets, EVER in 11 years of driving. Best quote so far is 540 per month. With a newer car I am getting online and telephone quotes of 270 per month. So I need to find a company that will insure with a major conviction and a car over 20 years old. Any help?
  Joel Leger (9/12/2013 1:05:37 PM)
  I'm with John lets do something about it I'm sure that their are a lot of people that are that doesn't like their rates.
  mustafa (9/18/2013 1:14:51 AM)
  stop talking time to act now let fight for our rights whats happening is killing us bill and bills and bill i could nt buy a car cuz of the insurance lets stand all one time and demonstrate...the gov. Must stop this shit
  shehzaib (10/17/2013 10:36:38 PM)
  Everyone whose complaining move to saskatchewan. The govt owns the insurance, registration, license and all that bullshit. just under one roof. my record can be the example of the worst record ever. i have restrictions on my novice. license suspended couple times. 6 or 7 tickets i guess. even warrant issued for failure to appear infront of judge for some ticket. 2 at faults accidents. and this all happened in a year; last year BUT!, still my insurance is 93 a month for my beautiful powerful 2004 ralliart lancer. :) Get on the train to Saskatchewan! oh wait, no trains.. get on the plane! .. PS. you can save the insurance money there but dont forget to buy really thick jackets and boots cus the temp in winter reaches -30s and -40s.
  fustrated (10/22/2013 12:48:35 PM)
  I have 2 accidents within 4 years and 1 speeding ticket of 30 over what insurance companies should I try pleassse helo me :$
  Tish (11/19/2013 7:11:44 PM)
  Has John started any riot yet? Im down
  Mia (11/21/2013 6:19:21 PM)
  Ooopss!! I can feel the pain of toronto drivers,, its really too high,,, does anyone knows the best insurance company in montreal quebec, thankks
  our fault (1/23/2014 12:36:54 PM)
  i m a homeowner and a car owner, since i cannot afford neither,or i could afford but live tight ,i chose to be uninsured,it's ridiculous but a reality,i presently save the few left over bucks and planning a move (at least for a few months) i make my living seasonally (pretty decent) therefore i do not need to be a car or homeowner in this pickpocket society,done tons of research and found amazing places to live ,great climate and superaffordable(less than !000.00 $/mnth),time to sell the uninsured car and home and time to enjoy my own's our fault ,if every hard working canadian did the same these robbers would learn their lesson,we are the ones who need to open our eyes ,when it don't work for you do some simple research and make your move (i will finally be able to give them the finger...thank god) stop complain
  james (1/23/2014 5:37:12 PM)
  For name "our fault" you are the reason insurance rates are so high, and you talk proud that your driving around without insurance, I hope you crash into a lake.
  Rowena (2/8/2014 6:05:41 AM)
  Joe / folks better start non profit insurance incorporation ...all drivers get together.
  Shuvo (2/8/2014 8:28:51 PM)
  Need a quote for 2002 Honda CRV. I am G Holder, License issued in 2003 but dont have any Insurance history...Broker call me at 416 559 1005...
  our fault (2/11/2014 3:26:03 PM)
  dear beloved james,obviously you don't get the message from all comments posted here,you are for sure an insurance rep who just wants to fill your pockets off decent drivers, im truly sorry you only read my comment and honestly i couldn't give two s**ts what you insurance reps think ,see how you guys don't like it when money isn't wasted on your luxuries at the cost of hard working citizens,all these people complaining and nothing getting done and nothing will get done cause you guys are getting filthy rich by the day bullying drivers and homeowners ,except for Dave who's willing to go far with this robbery.I myself thinking about crashing into a lake cause i think it's time for me to drive a better model ,after all i've kept you guys away from my pockets for a while now and saved enough for a better ride...totally agree
  john doe (2/26/2014 12:11:27 AM)
  I an looking to get my g1 who is best option for insurance and on what vehicle? And has good gas millage

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