Auto Insurance in

Making Insurance Friendly and Easier

Driving in Toronto can be a challenge- considering that the city has one of the largest populations in North America. Daily commutes on the 401, Gardiner Expressway or the Don Valley Parkway requires extreme patience on the part of the driver.

Whether you drive for work or pleasure, you need car insurance to protect yourself and your passengers. Auto insurance in Toronto is suited for the drastically changing road conditions, freeways and distinct neighbourhoods.

At isure, we have been assisting Ontario drivers in finding the best coverage for their auto insurance needs in Toronto. We take auto insurance seriously, and therefore we will work with you to find and customize a plan within your budget.

The isure insurance Advantage

isure hires only the best and most reputable Toronto insurance brokers to get you the best quotes. Experience the isure insurance broker advantage:


We are Fully Licensed

We are registered under the Registered Insurance Brokers of Ontario (RIBO) to ensure your safety and that you are in good hands.


Gain Unbiased Advice

We guarantee honest, unbiased advice about the insurance quotes we obtain for you and all details that accompany it. We will always search and locate the coverage that is best suited to your needs.


Access to the Best Insurance Providers

We have access to all of the best, well-respected insurance providers in all of Canada for you!


Your Needs are our Top Priority

We are real insurance brokers helping real, amazing Toronto citizens. Each of our clients are assigned to a dedicated insurance broker that advocates for their needs when dealing with insurance providers. We handle all claims, quotes, inquiries, updates and more.


We Work, You Save

You can save hundreds of dollars on insurance when you work with our Toronto insurance brokers. You can discuss your insurance needs with us and we’ll find the perfect coverage options and rates.


We Have Coverage For All Your Insurance Needs

Our insurance brokers get Toronto residents quotes for home, commercial, auto, life, travel and more.

Why Trust isure as your Toronto Insurance Broker?

If you live in Toronto, there are a number of reasons why you need to contact an isure insurance broker. Here are some of the many advantages you will see when you work with us:

Allows you to save more money:If you want to lower your insurance rate and save money, Insurance brokers are the top solution. Our Toronto insurance brokers have access to several insurance providers, premiums, coverage types and they will help you find the most affordable quotes for you based on the information you provide.

Our licenced insurance professionals always provide valuable information: Navigating insurance can be extremely difficult if you have little to no experience. Hiring a licensed, knowledgeable and experienced insurance broker can provide you with all of the important guidance you need to make the right insurance decisions.

Quotes that are easy to follow:If you try to find the best auto insurance quote by yourself, you will need to contact several insurers, which will take a lot of time out of your already busy schedule. When you hire an isure Toronto insurance broker, they handle all of these details, including obtaining and comparing quotes from different insurers for you!

isure and Toronto Auto Insurance

When it comes to auto insurance in Toronto, you are in the driver’s seat with isure insurance riding along with you! Our professional insurance brokers provide the most affordable auto insurance rates you will find in Toronto. Our promise to you is to provide knowledgeable and transparent insurance expertise every time you call us or when you get a quote online. We shop for the best auto insurance rates available for you to ensure you obtain insurance you can count on. As Ontario’s leading insurance broker, our auto insurance rates in Toronto can provide you with high-quality coverage, convenience, and personalized service that exceeds your expectations.

FAQs About Toronto Auto Insurance

What are the factors that affect auto insurance in Toronto?

Your Age: Drivers with more experience on the road often pay much lower auto insurance premiums than newer and younger drivers.

Type of Vehicle: The year, make and model of your vehicle will be used by auto insurance companies when they calculate the premium.

How You Use The Vehicle: The way you drive your vehicle, how often and your driving habits can all play a role in your insurance rate.

Your Postal Code: The more populated, urban areas in Toronto often have a higher claim rate than rural parts. Urban residents can likely expect to pay a higher premium based on their postal code.

Your Vehicle: Aside from the make, model, and year of your vehicle, frequency of theft and safety rating. Certain types of vehicles tend to be a higher risk, as they are shown to be involved in more accidents than others.

Your Age And Sex: It generally follows that older people have had more years of opportunity to learn proper driving habits. Men under 25 are also statistically more prone to crashes than women of the same age, and generally receive higher premiums, but generally evens out after turning 25 years old.

Distance Travelled: The more you’re on the road, the more likely you are to get in an accident. Those who drive more will pay more than those who commute less often.

Your Driving History: If you have had a lot of traffic tickets or major accidents in your time, auto insurance will be much more expensive for you when compared to others with a clean driving record.

Is it possible to lower the cost of your car insurance in Toronto?

Auto insurance rates in Ontario are some of the highest in Canada. In Toronto specifically, the average is over $2,000 per year! This cost translates to just over $170/month. Here at isure, we value cost transparency, which is why we are sharing how you can lower your monthly premium cost. 

Why your auto insurance is high 

Auto insurance costs are determined by your provider based on how statistically likely your driver profile is to get into an accident or have to make a claim. The more likely you are to file a claim, the higher your insurance premium will be. Here are a few key factors that will partially determine your insurance cost: 


How old you are generally gives providers an idea of your driving experience and level of comfort. Additionally, younger drivers are more likely to get into an accident than mature drivers. Insurance costs tend to level out at around age 30 and typically get lower, so long as you keep a clean driving record. 


Believe it or not, men will usually pay more in insurance costs than female drivers. Based on statistics once again, men usually have a higher chance of driving recklessly and needing to file a claim. 

How to get cheaper auto 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: 

1. Bundle 

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! 

2. 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. 

Looking for a great Toronto insurance policy? Make a quick call to the expert brokers at isure to get started on crafting your perfect policy for less! Our team has access to a wide variety of insurance providers, and will shop at different rates to find you the best deal on your Toronto car insurance. Fill out a form or call now for your free quote! 

3. Anti-theft Devices

Any tools or equipment that prevents theft or vandalism to your vehicle can lower your insurance premium.

4. 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.

Toronto Collision Reporting and Claims Process

Toronto is the most populated city in Canada and welcomes thousands of commuters each and every day. With busy streets, accidents are bound to happen. In order for drivers to pay for accident repairs, they must file a report at a Toronto collision reporting centre, then file a claim with their insurance company. To properly report an accident, there are a few steps that need to be taken and a lot of information that needs to be collected. To simplify the process, isure has come up with a collision reporting guide for Toronto. 

1. 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 


2. 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.  

3. 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. 

4. 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 insurance cover? 

Insurance may cover any number of things – it really depends on accident specifics and coverage outlined in your policy. To determine your exact coverage, call isure today and speak with one of our brokers. Typical insurance policies cover bodily injuries, property damage, and car repairs. Some policies cover more than basics, allocating funds for rental cars, tow trucks, and taxis. 

Why Choose isure As Your Toronto Auto Insurance Broker?

We understand that there are a lot of options when it comes to auto insurance in Toronto. Sometimes getting a quote from a company can feel like an obligation, rather than what it’s supposed to be: information to help you make an informed decision. This is one of the greatest reasons to use an insurance broker, as they have a suite of trusted insurers they work with to find you the best rate for your auto insurance. Their advice is independent of the companies they represent, and are professionally regulated by the Registered Insurance Brokers of Ontario (RIBO).

When selecting your broker, isure stands out for a reason. Have a look at the chart below to see what makes isure a broker of choice.

Leading Direct Bank InsurersLeading Online Quoting SitesLeading Brokers
Maximum amount of quote options
Transparency/easy to understand terms
Primary duty to the customer
licensed Insurance brokers /tailored treatment offered by Real People
24-hour claims service/Extended Service Hours
Seamless and quick, front-to-back quote experience
Digital/mobile/social first brand
Easy to reach:
Email, Chat, Social, Toll-free Phone
Protection of Privacy:
Treat Information Confidentially
Provide personal and commercial insurance seamlessly
Reasonable, competitive and fair pricing

*Evaluations provided June 2015 based on observable practices and operations of leading insurers in each category

We stand by our isure pledge to ensure you receive the care you deserve, because we know you’re not just another number in the system. We work with a large suite of approved insurance providers to give you the best opportunity at finding your lowest quote with a brand you can trust.

When you choose isure, you are choosing the broker that puts you first. See why more people place their trust in isure every day and talk with one of our dedicated insurance professionals today.

How To Get An Auto Insurance Quote In Toronto?

Working with a suite of quality insurers, isure will do the work of gathering quotes from each company to find the lowest cost for the plan that suits your needs. We work by the isure pledge to ensure that you are always taken care of, and that we work with your best interests in mind. Our dedicated insurance consultants in Toronto will find you the best choice, and will only recommend moving you to another insurer if it works for you.

Finding the right insurance doesn’t have to be difficult. See how the isure difference can help you keep your driving peace of mind.

How Much Should I Expect to Pay For Auto Insurance in Toronto?

There are many factors that go into the price of auto insurance in Toronto. Your quote can fluctuate depending on if you require high risk insurance, or you can have a lower quote if you practice safe driving or if you bundle your policy, for example. Go-telematics is also an option for great drivers as it tracks how you drive (speed, braking, cornering, etc.) to determine your rate.

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