Get the best price on car insurance year after year
On average, YouSet users save $285/year on car insurance*
Trusted by over 300,000 users
Affordable car insurance this year, next year, and beyond
Why settle for a one-time discount when you can get ongoing savings? At YouSet, we don’t just help you find affordable car insurance this year – we’ll actually help keep it that way next year (and the year after!) too.
Exclusive rates and discounts
As a broker, we unlock exclusive rates and discounts for you. We’ll even automatically apply them, so you never miss out on savings.
Transparent
renewals
We won’t let your renewal sneak up on you. When it’s time to renew, we’ll make sure you pay the best price possible, or we will re-shop for a better deal for you.
Proactive price
increase alerts
We won’t let unexpected price hikes catch you off guard. If your price increases at renewal, we’ll alert you and even re-shop with another carrier for you.
Self-serve
features
With your YouSet account, you can access your policies and documents in one place – even from different carriers – and make policy modifications.
How to get car insurance
at the best price
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1
Share and compare 3 min
Tell us about yourself, and our algorithms will automatically compare multiple insurers, uncover exclusive discounts, and apply them for you.
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2
Buy online 1 min
Once you’re happy with your quote, complete your purchase directly on YouSet through our secure online checkout.
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3
Renew at the best price
You will be notified if your price increases, and we’ll re-shop for a better deal for you.
Shop for car insurance by province or city
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Great service! The team works very quickly and professionally! I urgently needed insurance and they issued it in one day.
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Rapid service, all handled via email and text, no waiting on hold
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Straightforward service with fast turnaround and kindness. What more could you ask for?
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This company is unlike most companies these days. They are easy to communicate with, efficient and offer good prices.
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I had already looked for my insurance renewal and thought I had found a good deal. YouSet found an equivalent solution at $400 cheaper.
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Fast response, easy and reliable. Got the best rate by a mile with YouSet.
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Easy to buy car insurance. Perfect for a busy person like me.
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Very responsive and the price is right.
What is my best price?
YouSet’s algorithms are designed to do one thing – find you the best price. By analyzing the details you provide, we scan our network of insurers, apply exclusive discounts, and present you with the best option.
Build a policy that fits your needs and budget in 4 minutes
Beyond the mandatory coverages required in your home province, make your policy your own by adding the optional coverages you really need, the coverage limits you’re comfortable with, and the deductible that fits your budget.
Third-party liability
Third-party liability covers you if you unintentionally cause harm to another person or their property. It is mandatory across Canada and included in all YouSet policies.
Accident benefits
Accident benefits provide coverage for you and those listed in your policy if you’re injured or killed in a car accident.
Uninsured motorist coverage
Uninsured motorist coverage covers you and your passengers if you’re involved in an accident with a driver who is at fault but either uninsured or unidentified (hit-and-run).
Collision coverage
Collision insurance covers the cost of repairing or replacing your vehicle if you collide with another car or object, such as a street sign, fire hydrant, or light pole. While optional, it may be required for drivers of leased or financed vehicles.
Comprehensive coverage
Comprehensive coverage covers damages to your vehicle from non-collision events, including theft, fire, and weather-related damage. While optional, it may be required for drivers of leased or financed vehicles.
Rental car coverage
Rental car coverage covers damage, theft, and liability while renting a car. While rental companies offer their own insurance, this coverage is ideal for frequent renters.
Roadside assistance coverage
Roadside assistance coverage covers unexpected issues on the road, like breakdowns and flat tires. While optional, it’s a helpful add-on for drivers who often travel long distances or through remote areas.
Save up to 15% more when you bundle
YouSet is the only digital broker in Canada that automatically compares the cost of bundling home and car insurance from a single insurer against the cost of mix-and-match home and car insurers. Whichever option offers the best price is the one we present to you.
Insurer A
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Car insurance
$ 118per month -
Home insurance
$ 85per month
Insurer B
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Car insurance
$ 39per month -
Home insurance
$ 72per month
Insurer C
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Car insurance
$ 72per month -
Home insurance
$ 29per month
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Car insurance with Insurer B
$ 39per month -
Home insurance with Insurer C
$ 29per month
Additional resources for drivers and car owners
We know that car insurance can feel intimidating, which is why we created these helpful resources to help you throughout the process.
Is YouSet insurance legit?
Yes, YouSet is fully legitimate! We are a registered damage insurance brokerage, licensed by the AMF in Quebec and RIBO in Ontario, allowing us to offer a full range of personal lines insurance products in both provinces.
Can I switch from one car insurance company to YouSet?
Absolutely – you can switch to YouSet at any time, even if you’re in the middle of your current policy! While your current provider may charge an Early Termination Fee, the money you save by switching now might more than make up for the fee in the long run.
Can I buy car insurance online in Canada?
Yes, you can buy car insurance online in Canada! You can use YouSet to get a quote in under four minutes and purchase your policy online. Here’s how:
- Start a car insurance quote
- Answer a few questions about yourself and your car
- Wait a few seconds as our algorithms automatically compare car insurance quotes from potential insurers in our network and apply exclusive discounts to get you the best price
- Customize your policy by adding optional coverages, adjusting limits, and selecting the deductible that you can realistically afford
- Complete your purchase directly on YouSet through our secure online checkout
Why is car insurance mandatory?
Car insurance is mandatory by law across Canada to protect each and every driver on the road. It helps cover the cost of repairs to your vehicle after a covered collision, as well as expenses if you’re held responsible for injuries, death, or property damage caused to others by your car.
Are old or new cars cheaper to insure?
It depends. Some older cars are valuable and costly to insure, while some new cars can be relatively affordable. Along with age, factors like repair costs, safety features, theft rates, and your insurance and driving history also influence the price.
What is the cheapest car colour to insure?
Contrary to popular belief, there isn’t one. Car colour has little to no impact on insurance costs. Your driving record, claims history, vehicle make and model, location, and how you use your car, however, are the types of things that can have a significant impact on the price you pay.
*Average savings are based on users who purchased car insurance with YouSet on or before September 1, 2024. Individual savings may vary and are not guaranteed.