Toronto car insurance mobile banner

Car Insurance Quotes

Making Insurance Friendly and Easier

Toronto Auto Insurance 5 Star Reviews

Toronto Car Insurance Broker

Benefits of using an Insurance broker to find your Toronto Car Insurance

Bundle Insurance to save on Toronto Car Insurance

Assessment of needs

An insurance broker can evaluate your circumstances to identify tailor-made coverage options.

Pay all at once to save on car insurance in toronto

Market expertise

Insurance brokers leverage their extensive industry knowledge to navigate complex insurance markets.


install anti theft device to save on Toronto car insurance

Policy comparisons

Brokers weigh policy differences to recommend the most beneficial coverage.

Bundle Insurance to save on Toronto Car Insurance

Continuous support

Dedication to customer service includes assistance with claims and policy adjustments.

Pay all at once to save on car insurance in toronto

Risk management

Insurance brokers provide risk assessment and management strategies to protect your assets.


install anti theft device to save on Toronto car insurance

Liaising with insurers

Brokers act on your behalf in discussions and negotiations with insurers and insurer partners. Learn more about isure’s list of approved insurers.

Our 2024 Toronto Auto Insurance Rates

Rates From isure’s Approved Insurers

Visual Portfolio, Posts & Image Gallery for WordPress


How to get cheap Car Insurance in Toronto

Getting cheaper car insurance is one way you can lower your monthly expenses and save for more important things on your list! Here are a couple ways isure recommends that you can save on insurance each month:


Bundle Insurance to save on Toronto Car Insurance


Did you know that by bundling your car and home insurance, you can save a few hundred dollars? When you bundle with the same provider, they will be more likely to offer you a great discount. When you talk to a broker at isure, make sure to mention that you want to bundle your policies! 

Pay all at once to save on car insurance in toronto

Pay All At Once

When you pay your insurance cost for the year upfront, you may also save some money. Depending on the provider, they could offer you two different rates: one for the year and one per month. If you do the math, you might find that you will save when you pay the year’s costs upfront. 


install anti theft device to save on Toronto car insurance

Raising your Insurance Deductible

A deductible is the initial amount you pay before your insurance coverage applies. Raising your deductible can lower your car insurance premiums by shifting more financial responsibility to you, reducing the insurer’s risk and potentially saving you money on premiums.

Get Winter Tires to save on Toronto Car Insurance

Winter Tires

The winters in Toronto can be relentless, especially when you need to drive to school or work in the snow every day! Not only is it vital for your safety to have winter tires installed during the snowy months, but you are often eligible for discounts on insurance premiums when your car has winter tires.


Bundle Insurance to save on Toronto Car Insurance

Insure multiple cars together

Insuring multiple cars under one policy can lower your car insurance rates. By consolidating coverage, insurers view you as a valued customer, reducing administrative costs and offering discounted premiums.

Pay all at once to save on car insurance in toronto

Get a Hybrid or Electric Car

Hybrid or electric cars often qualify for lower insurance rates due to their reduced risk profile. Insurers view them favorably for their eco-friendly features, advanced safety technology, and lower repair costs. 


install anti theft device to save on Toronto car insurance

Attend Driving School or take Defensive Driving Classes

Attending driving school and taking defensive driving lessons demonstrates your commitment to safe driving, which insurers can reward with lower rates. Completion of courses can qualify you for discounts.

Get Winter Tires to save on Toronto Car Insurance

Look into Telematics Apps

Some insurers have telematics apps that monitor your driving behavior, rewarding safe practices with lower insurance rates. By tracking factors like speed, braking, and mileage, it provides personalized feedback and discounts based on your driving habits. 


Why Trust isure as Your Toronto Car Insurance Broker?

Trust isure Toronto Auto Insurance Broker


Toronto Car Insurance
 Toronto Car Insurance isure mobile


Average Toronto Car Insurance Cost



Why is Car Insurance in Toronto so Expensive
Factors affecting car insurance premiums toronto mobile

Factors Affecting Your Car Insurance Premiums in Toronto

Driving in Toronto

Driving in Toronto

Ridesharing in Toronto

Toronto Rideshare Requirements

Toronto Rideshare insurance experts

Proper insurance for ridesharing is necessary, and we can provide you with a policy designed specifically for ridesharing. You will still have to maintain a personal auto insurance policy, which we can also help you acquire.

About Toronto Auto Insurance

What are Tips for Driving in Toronto?

Toronto is a large, busy city, which is why isure is here to provide you with some important driving tips. 

We remind our clients that while sharing the road may not always be fun, it is something you are required to do as a licensed driver. That also means being a responsible driver is always a must. 

One main component to be cautious of in the downtown streets are streetcars. Rule number one: you cannot pass one if it is stopped. Most streetcars will stop at every intersection so that passengers can get on and off, and you must pay attention to this aspect whenever you are driving downtown. Simply put, when a streetcar stops, every car behind them must stop. It is also important that you do not drive into streetcar tunnels, so extra caution and attention must be paid when navigating the streets of Toronto. Always look at the transit signage and follow the rules. 

There are many cyclists in Toronto, so be extremely careful when you are driving in the city. This is especially true when making a right turn or opening your car door, so double-check to ensure there are no cyclists in your blind spot. You need to be aware of your surroundings and must never stop in bike lanes. It’s also necessary that you keep three feet distance when passing a cyclist in your car, as this is the law. 

Be aware of busy intersections during rush hour. Knowing what to expect will eliminate stressful situations, and you may be able to find alternative routes. Certain intersections become very congested during rush hour, so you should know this information in advance so that you can adjust your route, if possible. 

What are the Most dangerous roads in Toronto?

Road safety in Toronto is a concern for many people

Toronto, Ontario, reports more than 70,000 road collisions and more than 25,000 injured drivers per year. Many drivers can use some help from isure with our competitive rates and excellent service.

We’ve compiled a list of the worst streets in Toronto, plus some tips on navigating them safely.

Worst streets in Toronto

Queen Street is at the top of the list, with 159 pedestrian KSI (Killed or Seriously Injured) collisions. Following that street is Eglinton with 150, then Finch, Lawrence, and Yonge as the rest of Toronto’s top five most dangerous roads. Next, Dundas, Bathurst, Sheppard, Steeles and King remain close hotspots, where many pedestrian KSIs occur. Out of the top ten streets, King Street is the only street with less than 100 KSIs.

Which areas/postal codes have the highest and lowest premiums?

The M6M area has the highest average premium in Toronto, so those whose postal code starts with this combination will pay a higher rate, on average. This is known as the former City of York and includes the Mount Dennis, Silverthorne, and Del Ray neighbourhoods. The postal code with the lowest average premium is the M5K area, which encompasses a small part of the downtown Toronto area. This is the area on Wellington Street between York and Bay, and those with this postal code will typically pay a lower rate. 

How do the insurance rates in Toronto compare to other cities?

This may come as a surprise to some, but Toronto is not first on Ontario’s list of top cities with the highest car insurance rates. While it does have a high overall average, Brampton is the city where you will find the highest auto insurance premiums, followed by North York, Mississauga, Scarborough and Toronto. 

Car insurance in Toronto is higher than the provincial average because densely populated cities that have lots of road traffic have higher than average auto insurance premiums. This is a result of high probability when it comes to theft and collision, which is more likely to occur in a city like Toronto when compared to smaller towns. This is simply a fact because of the population size. In Ontario, Ottawa and Kingston offer much cheaper insurance rates in comparison because these cities are less populous than Toronto. 

Why is car insurance so expensive for those who live in Toronto?

Insurance companies will base your rates on numerous factors, including driving history and high traffic volumes. They will also consider how likely you are to make a claim and look at traffic congestion, a big problem in Toronto. The 401 is one of the busiest highways in the world! It runs straight through the city of Toronto and there are tons of cars on the road, meaning there is a higher risk for accidents to occur. This will result in more claims, which will drive up your insurance costs. 

Do traffic tickets affect my Toronto Auto Insurance?

Yes, although not immediate, having a paid traffic ticket on your driving record can have an effect on your insurance rates the next time you renew your auto insurance.

For more information, please check out this blog we created regarding Traffic Tickets and their effect on your Auto insurance. 

Toronto Collision Reporting and Claims Process

01. Check for injuries
Your number one priority is to make sure everyone involved in the accident is okay. If anyone involved needs medical attention, call 911 right away. Accident injuries can be very serious and not calling an ambulance immediately can add to the severity of the injury.
02. Take photos

Seriously, take a lot of photos. Photos quickly capture more than enough information and crystalize the scene of an accident long after it has been cleaned up. Taking pictures can simplify the information-fetching portion of collision reporting, as well. Take pictures of the following four things in particular: 

  • Damages 

Take photos of any and all damage. Be sure to capture all vehicles involved and their corresponding damage. This way, you prove the extent of the damage and the way the scene is set up will typically provide contextual information to the situation. 

  • License 

Taking a picture of a driver’s license captures the information needed to report an accident without writing anything down. This can improve accuracy and also speed up on-scene activity. 

  • Insurance 

An exchange of insurance information takes place following every accident. It is a standard that this is shared so that you can both accurately file a claim and communicate. A quick photo is all that’s needed to capture the insurance provider, policy number, make, model, and year of the car. 

  • Details 

Note down all the details of the accident. Details include the time, date, and location of an accident. These are needed for filling out reports; however, noting additional details, such as weather and road conditions, can provide a better understanding for insurance companies. 

03. When you need to report

You need to report an accident that is over $2,000 of damage to the authorities. Accidents that you want to file a claim for also need to be reported within a 24hour window. It is illegal to not follow these rules after an accident. 

04. Reporting a car accident in Toronto

To report a car accident in Toronto, you need to head over to one of two different locations mentioned below, fill out a report and have your damage checked by a staff member. After which, you can file a claim with your insurance company to repair damages or come up with the proper replacements. Driving a car that was just in an accident is not recommended. Instead, call a tow truck for your car and a friend or Uber to get yourself to a collision reporting centre. In Toronto, the two reporting locations are as follows: 


Address: 113 Toryork Drive, North York 

Phone Number: 416-808-3960 

Hours: Monday to Friday: 9 a.m. – 9 p.m., Saturday & Sunday: 11 a.m. – 7 p.m. 


Address: 39 Howden Road, Scarborough 

Phone Number: 416-808-4960 

Hours: Monday to Friday: 9 a.m. – 9 p.m., Saturday & Sunday: 11 a.m. – 7 p.m. 

What will Toronto Auto insurance Cover?

Mandatory Car Insurance in Toronto

Optional Car Insurance in Toronto:


OPCF 20: This would cover the fee of a rental car while yours is being repaired or replaced.


OPCF 27: This can transfer your existing insurance to a rental car or a vehicle you borrow.


OPCF 39: This would provide you with forgiveness from your insurer for your first accident claim, preventing your insurance rate from being impacted.


OPCF 43: This will remove depreciation in calculating the value of your car when you settle a claim.


OPCF 49: This gives you the ability to opt out of Direct Compensation Property Damage (DCPD) Premiums.


OPCF 28A: This will intentionally remove specific high-risk drivers in your household from receiving your coverage to help lower premiums


OPCF 44R: This protects you in the event where you’re dealing with an at-fault uninsured or inadequately insured driver.

OPCF 16 & 17

OPCF 16 & 17: These two forms allow you to suspend your car insurance coverage and then reninstate it when you need it.

Why Choose isure As Your Toronto Auto Insurance Broker?

Why choose isure as your Toronto auto insurance broker

Annual Traffic Collisions in Toronto

Source: Toronto Police Service Annual Statistical Report (2019)

Worst Intersections in Toronto
(According to Local Residents)

Source: Narcity – These Are The Most Hated Intersections In Toronto According To Local Residents

CAA’s Worst Roads in
Toronto 2022

Source: CAA’s Worst Roads 2022
View List of Toronto Speed Camera Locations
  1. Martin Grove Road, north of Rampart Road (Etobicoke North)
  2. Redgrave Drive, west of Martin Grove Road (Etobicoke North)
  3. Royal York Road, north of La Rose Avenue (Etobicoke Centre)
  4. Mill Road, north of Burnhamthorpe Road (Etobicoke Centre)
  5. The East Mall, south of Faludon Court (Etobicoke-Lakeshore)
  6. Ourland Avenue, near Merriday Street (Etobicoke-Lakeshore)
  7. Parkside Drive, south of Algonquin Avenue (Parkdale-High Park)
  8. Runnymede Road, north of Colbeck Street (Parkdale-High Park)
  9. Scarlett Road, south of Ellins Avenue (York South-Weston)
  10. Gary Drive, near Deerhurst Avenue (York South-Weston)
  11. Dufferin Street, north of Stanstead Drive (York Centre)
  12. Stilecroft Drive, west of Sharpecroft Boulevard (York Centre)
  13. Weston Road, near Coronado Court (Humber River-Black Creek)
  14. Spenvalley Drive, near Whitbread Crescent (Humber River-Black Creek)
  15. Dufferin Street, south of Claver Avenue (Eglinton-Lawrence)
  16. Orfus Road, west of Dufferin Street (Eglinton-Lawrence)
  17. Rogers Road, near 382 Rogers Rd. (Davenport)
  18. Dufferin Street, south of Dufferin Park Avenue (Davenport)
  19. Denison Avenue, south of Grange Avenue (Spadina-Fort York)
  20. Brant Street, south of Adelaide Street West (Spadina-Fort York)
  21. Spadina Avenue, south of Bloor Street West (University-Rosedale)
  22. Manning Avenue, south of Lennox Street (University-Rosedale)
  23. Street Clair Avenue West, near Crang Avenue (Toronto-St. Paul’s)
  24. Warren Road, north of Lonsdale Road (Toronto-St. Paul’s)
  25. Carlton Street, near Homewood Avenue (Toronto Centre)
  26. Shuter Street, east of Sackville Street (Toronto Centre)
  27. O’Connor Drive, west of Lankin Boulevard (Toronto-Danforth)
  28. Cosburn Avenue, near Roosevelt Road (Toronto-Danforth)
  29. York Mills Road, west of Banbury Road (Don Valley West)
  30. Park Lane Circle, near 60 Park Lane Cir. (Don Valley West)
  31. The Donway East, north of Greenland Road (Don Valley East)
  32. The Donway West, near Duncairn Road (Don Valley East)
  33. McNicoll Avenue, near Sexton Crescent (Don Valley North)
  34. Don Mills Road, south of Freshmeadow Drive (Don Valley North)
  35. Finch Avenue East, near Manorcrest Drive (Willowdale)
  36. Churchill Avenue, west of Abbotsford Road (Willowdale)
  37. Saint Clair Avenue East, west of Marilyn Crescent (Beaches-East York)
  38. Kingston Road, near Glen Manor Drive (Beaches-East York)
  39. Danforth Avenue, east of Birchmount Road (Scarborough Southwest)
  40. Corvette Avenue, near Cleta Drive (Scarborough Southwest)
  41. Pharmacy Avenue, north of Sherwood Avenue (Scarborough Centre)
  42. Antrim Crescent, near 11 Antrim Cres. (Scarborough Centre)
  43. Pharmacy Avenue, near 2300 Pharmacy Ave. (Scarborough-Agincourt)
  44. Dunmurray Boulevard, near Groomsport Crescent (Scarborough-Agincourt)
  45. Sandhurst Circle, north of Finch Avenue East (Scarborough North)
  46. Seasons Drive, east of Oasis Boulevard (Scarborough North)
  47. Morningside Avenue, near Warnsworth Street (Scarborough-Guildwood)
  48. Galloway Road, near Coronation Drive (Scarborough-Guildwood)
  49. Brenyon Way, near 200 Brenyon Way (Scarborough-Rouge Park)
  50. Old Finch Avenue, west of Littles Road (Scarborough-Rouge Park)