Toronto
Toronto car insurance
Compare and buy policies from top Toronto car insurers in less than 4 minutes, online.
Affordable car insurance this year, next year, and beyond
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
Our technology unlocks exclusive rates and discounts, so you never miss out on savings.
Buy online or over the phone
Get insured your way – buy online, or chat with a licensed expert by SMS or phone.
Proactive price increase alerts
If your price increases at renewal, we’ll alert you and even re-shop with another insurer for you.
Self-serve features
Make modifications and access your documents in one place — even from different insurers.
Toronto car insurance quotes starting at $16/month
Toronto drivers deal with it all — from tight downtown streets and endless construction zones to gridlock on the Don Valley Parkway and Gardiner Expressway.
Add increasingly severe storms, tough winter conditions, and road hazards to the mix, and it’s easy to see why insurance isn’t optional.
But just because car insurance is mandatory in Toronto, doesn’t mean you have to settle for overpriced coverage. With YouSet, we’ll find you the best price year after year, all while making sure you meet the provincial requirements.
Buy car insurance online in Toronto in 4 minutes or less
-
1
Share and compare
3 minAnswer a few questions to compare quote rates and unlock exclusive discounts.
-
2
Buy online
1 minCustomize your coverage and buy your policy directly on YouSet through our secure online checkout.
-
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.
Find car insurance near you
As a RIBO-licensed broker, YouSet compares multiple quotes from Ontario’s top car insurance companies in under 4 minutes.
Ontario car insurance by city
-
Great service! The team works very quickly and professionally! I urgently needed insurance and they issued it in one day.
IIryna -
Rapid service, all handled via email and text, no waiting on hold.
JJeremy -
Straightforward service with fast turnaround and kindness. What more could you ask for?
GGina -
This company is unlike most companies these days. They are easy to communicate with, efficient and offer good prices.
CCaroline
-
I had already looked for my insurance renewal and thought I had found a good deal. YouSet found an equivalent solution at $400 cheaper.
GGuylaine -
Fast response, easy and reliable. Got the best rate by a mile with YouSet.
JJulien -
Easy to buy car insurance. Perfect for a busy person like me.
NNoli
Types of car insurance coverage in Ontario
All YouSet car insurance policies in Ontario come with the required coverage. The rest is up to you. Choose the extras that match how and where you drive, with limits and deductibles that you can manage.
Third-party liability coverage is mandatory in Ontario. Its purpose is to cover you if you unintentionally cause harm to another person or their property.
Accident benefits coverage is mandatory in Ontario. It includes medical treatment, rehabilitation, attendant care, income replacement, non‑earner, caregiver, and death/funeral benefits.
Uninsured motorist coverage is mandatory in Ontario. Its purpose is to cover 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 is optional in Ontario, though it may be required for drivers of leased or financed vehicles. It 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.
Comprehensive coverage is optional in Ontario, though it may be required for drivers of leased or financed vehicles. It covers damages to your vehicle from non-collision events, including theft, fire, and weather-related damage.
Optional in Ontario, travel costs coverage helps cover the cost of a rental car if your vehicle needs to be repaired or replaced due to a covered claim.
Rental car coverage is optional in Ontario. While rental companies offer their own insurance, this coverage is ideal for frequent renters since it covers damage, theft, and liability while renting a car.
Optional in Ontario, roadside assistance coverage reimburses you for services like towing, tire changes, or jump-starts if your car breaks down or you’re stuck on the side of the road.
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
Insurer B
Insurer C
Everything you need to navigate insurance in Toronto
Whether you’re insuring your car, home, or both, we’ll help make it a little less stressful — and a lot more affordable.
-
Car insurance calculator
-
Car insurance glossary
-
Toronto homeowners insurance
-
Toronto tenant insurance
-
Toronto condo insurance
The average cost of car insurance in Toronto is $286 per month among YouSet users. Just keep in mind: the “average” isn’t necessarily what you should be paying, it’s simply a midpoint across a wide range of driver profiles.
There are many highly regarded car insurance brokers in Toronto to choose from. Some operate from physical offices in the GTA, while others—like YouSet—are fully digital brokers.
Even without a storefront, digital brokers are RIBO-licensed, meaning they are fully authorized to sell car insurance in Toronto. This means YouSet can provide the same expertise, coverage options, and personalized service as traditional brokers—often at a better price because their online model reduces costs and allows them to pass the savings on to you.
If you’re wondering where to buy car insurance in Toronto, you have several options. You can visit a traditional insurance broker with a storefront in the GTA, buy directly from major insurers, or use a digital insurance broker like YouSet.
For most people—especially those who are new to the city or unfamiliar with Toronto—the easiest option is to buy car insurance online through a digital broker. It’s fast, convenient, and ensures you get coverage that meets Ontario’s requirements without the hassle of visiting an office.
Generally speaking, car insurance tends to be more expensive in Toronto than in other Ontario cities in large part because more people and heavier traffic = higher risk of accidents and other claims = higher premiums.
If you live in Toronto and feel like you’re paying too much, see how much you could save in four minutes or less with YouSet. As a digital broker with built-in comparison tools, we automatically compare prices from multiple insurers, apply eligible discounts, and find you the coverage you need at the best price—potentially saving you hundreds of dollars a year.
If you’re looking to get cheaper car insurance in Toronto, here are a few practical things you can try that may help lower your premium:
- Use a broker (like YouSet) which compares multiple quotes automatically to find you the best price
- Bundle your home and car insurance through YouSet to save up to an additional 15% on your premium
- Apply all eligible discounts—or let YouSet automatically find and apply them for you
- Choose a higher deductible, if you can comfortably afford it, to reduce your premium
- Opt into telematics or usage-based programs, such as Intact MyDrive or Wawanesa Drive Change, to potentially earn savings based on safe driving habits
- Maintain a clean driving record to keep your traffic violations and claims history low
- Evaluate your coverage needs based on your car’s current value, rather than defaulting to full coverage unnecessarily
- Avoid street parking whenever possible; use secured or covered parking to reduce theft and damage risk
- Recheck your policy after major life changes, like moving, commuting less, or removing a child as an occasional driver, to ensure your coverage is up to date and cost-effective
If you’ve recently moved to Toronto from another province or another country, you can—and must—get car insurance as soon as possible if you plan to drive here. There are hundreds of companies that sell car insurance in Ontario, but a digital broker like YouSet can make the process easier by gathering quotes from multiple providers, setting you up with a policy that includes all legally mandatory coverages, and advising on optional coverage as needed.
Before you can buy car insurance though, you will need to do the following.
- Exchange your out-of-province or international driver’s licence for an Ontario driver’s licence within 60–90 days of moving.
- Obtain a Letter of Experience from your previous insurance provider or licensing authority, detailing your driving history.
- Get a copy of your Driver’s Abstract or official driving record from your previous province, territory, or country
- Have your vehicle information ready, including make, model, year, and VIN.
- Compile your immigration documents, such as a PR card or study/work permit
Get cheaper Toronto car insurance — year after year
