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Cheap Car Insurance in

Making Insurance Friendly and Easier

Toronto Car Insurance Broker

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 and cheapest coverage for their car insurance needs in Toronto. We take car insurance seriously, and therefore we will work with you to find and customize a plan within your budget.

Our Toronto Auto Insurance Rates

40 Y.O. Discounts Applied: Winter Tire, Multi-line, Conviction Free, CAA Membership, Multi-Vehicle

65 Y.O. Discounts Applied: Winter Tire, Multi-Line, Conviction Free, CAA Membership, Multi-Vehicle, Retiree Discount



Location (Postal Code)

40 Y.O. Couple Annual Rate*

Monthly Rate*

65 Y.O. Retired Couple Annual Rate*

Monthly Rate*


M6H 3Y2
$2184/ Year
$1019 Honda
$1165 Nissan
$1528/ Year
$727 Honda
$801 Nissan
$128.99/MonthScottish & York


Coverages Included: $1 Million Liability, Bodily Injury, Property Damage, Direct Compensation, Standard Accident Benefits, Collision ($500 Collision), Comprehensive ($500 Collision), Uninsured Automobile, Loss of use, Liability of Unowned Vehicle, Family Protection, Coverage assumes the second vehicle insured on related policy (This applies just for the married or common-law driver(s))

*DISCLAIMER: These are estimated rates based on rates available as of May 2022. Individual rates may vary. Please speak with an isure broker to get the rate that applies to you.

Toronto Driver with Cheap auto insurance



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Our Toronto Auto Insurance Rates

40 Y.O. Discounts Applied: Winter Tire, Multi-line, Conviction Free, CAA Membership, Multi-Vehicle

65 Y.O. Discounts Applied: Winter Tire, Multi-Line, Conviction Free, CAA Membership, Multi-Vehicle, Retiree Discount


Location (Postal Code)

40 Y.O. Couple Annual Rate*

Monthly Rate*

65 Y.O. Retired Couple Annual Rate*

Monthly Rate*


M6H 3Y2
$2184/ Year
$1019 Honda
$1165 Nissan
$1528/ Year
$727 Honda
$801 Nissan
$128.99/MonthScottish & York


Coverages Included: $1 Million Liability, Bodily Injury, Property Damage, Direct Compensation, Standard Accident Benefits, Collision ($500 Collision), Comprehensive ($500 Collision), Uninsured Automobile, Loss of use, Liability of Unowned Vehicle, Family Protection, Coverage assumes the second vehicle insured on related policy (This applies just for the married or common-law driver(s))

*DISCLAIMER: These are estimated rates based on rates available as of May 2022. Individual rates may vary. Please speak with an isure broker to get the rate that applies to you.



The isure insurance Advantage

isure hires only the best and most reputable Toronto insurance brokers to get you the cheapest 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 who 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 car insurance brokers. You can discuss your insurance needs with us and we’ll find the perfect and cheapest 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 Car 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 cheapest car insurance 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 car 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 car insurance rates available for you to ensure you obtain insurance you can count on. As Ontario’s leading car insurance broker, our auto insurance rates in Toronto can provide you with high-quality coverage, convenience, and personalized service that exceeds your expectations.

What is the average cost of car insurance in Toronto?

The average cost of car insurance in Toronto is about $2,000 per year (or roughly $170 per month). If you’re in the market for an auto insurance policy, our brokers here at isure can provide you with a non-obligation quote. Traffic, the likelihood of claims and crime rates in the city are some of the reasons why drivers in Toronto pay more than those who live in smaller, more rural, towns. Although, personalized factors will also affect your rate.

Factors affecting your car insurance premiums in Toronto

You can pay more or less for Toronto car insurance depending on your neighbourhood, the type of vehicle you drive, your daily commute, and your driving history. The type of coverage you have will also affect your rate because, just like all cities in Ontario, Toronto has mandatory and optional car insurance coverages. If you want coverages exceeding the minimum requirement, you must pay more for additional protection. 

We will discuss every detail with you when calculating your rate to ensure you clearly understand your policy and the amount you are being asked to pay. We pass on any savings directly to our customers and will discuss discount eligibility and bundling your insurance, which may help reduce your premium.

Driving in Toronto 

Driving in Toronto can be comfortable and easy if you are prepared, which includes having the right insurance policy. You can rely on our team here at isure for the right coverage! 

We have been serving drivers in Toronto for many years and always aim to provide exceptional service and detailed information. We take the time to discuss your coverage options and make professional recommendations regarding the policy that best suits your needs.  

Toronto’s road network 

Toronto has a well-connected road network, and the major highways are thoroughly planned and maintained. Additionally, frequent road signs can be recognized and followed easily. Understanding the major highways will make your driving experience even more enjoyable. Several major highways leading to Toronto can be grouped into two categories; east-west and north-south routes.  

  • Highway 401 is the major east-west highway north of the city, while the Queen Elizabeth Way/Gardiner Expressway is the major east-west highway south of the city.  
  • Highway 404/Don Valley Parkway is the major north-south highway east of downtown Toronto. 
  • Highway 427 is the north-south highway west of the city, while Highway 400 is another major north-south highway.  
  • Highway 407 is a major east-west highway, although you will have to pay tolls if you get on this highway.  

If you are driving to Toronto, you will likely have to take one or more of the well-known highways listed above.  

Rules and regulations 

It’s also essential to understand Canada’s driving rules and regulations so that safety is prioritized. Seat belts are mandatory for all passengers in the vehicle, and you’ll need to follow the posted speed limit. Canadians drive on the right-hand side of the road, and proper child seats are required based on age and weight.  

You must give pedestrians the right of way when crossing the street. If you ever hear sirens or see flashing lights on emergency vehicles, you’ll need to pull over to the right side/lane of the road to allow the emergency vehicle to pass.  

Driving while under the influence of drugs or alcohol is unacceptable, as it is unsafe and illegal. Failure to comply may result in heavy fines, a license suspension, and even jail time, depending on the severity of the situation.  

Ridesharing in Toronto 

Ridesharing, such as Uber or Lyft, are convenient programs for those looking to earn extra money. If you are interested in taking advantage of ridesharing in Toronto, you must know all the requirements. Additionally, you’ll need the right insurance coverage, and that is where we come in! 

Here at isure, we will provide you with detailed information regarding ridesharing requirements and ensure you are protected. We will assist you by taking care of your insurance needs, ensuring that your policy is suitable because we care about our clients and the Toronto community.  

Toronto Rideshare requirements 

To participate in ridesharing in Toronto, you will need a four-door vehicle with independently opening doors, and your car must be in good condition with no cosmetic damage. You cannot have commercial branding, but salvaged or rebuilt vehicles will be accepted. Additionally, your vehicle must have snow tires or all-weather tires installed from the 1st of December until the end of April the following year. Your vehicle must also pass a vehicle inspection, which a licensed mechanic can only complete. 

As a driver, you will need a valid Ontario driver’s licence and must have three years of driving history in Toronto. Your driver’s licence must be Class G or higher and issued in Ontario. While temporary licences may be accepted; you will have to upload your permanent copy as soon as you receive it.  

Your driving history will be assessed, and a criminal background check will be completed to determine whether you can participate in ridesharing programs. A driver screening test will be done to review important information, and you must pass all these checkpoints.  

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.  

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 Auto Insurance that important?

It might seem like a hassle, but we think you’ll agree with us when we say: YES! We often hear stories of people getting into accidents and not having the right coverage to help them out. 

Insurance is like your own personal hero: they’re there to save the day when trouble comes. 

And if you live in Toronto, ON, you can rest easy knowing that isure is your go-to insurance brokerage. 

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.  

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 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: 

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.

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

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 Toronto Auto 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. 

There are two types of Toronto car insurance coverage:

Mandatory Car Insurance In Toronto

In Toronto, you will need four different types of car insurance before you can get behind the wheel. The following coverages are all mandatory:

1. Third-Party Liability

This type of insurance will protect you in the event someone takes legal action against you after a driving incident that causes property damage or bodily injury. Those in Toronto will need a minimum of $200,000 in third-party liability insurance. However, you can increase this amount, which will help cover expenses, like legal bills and settlement fees.

2. Accident Benefits

This type of insurance will cover your medical expenses, regardless of whether or not you were at-fault. This coverage also extends to injured passengers, pedestrians and cyclists. You can claim different aspects, including rehabilitation, income replacement and physiotherapy. Every accident benefit (like medical payments and funeral benefits) has its own standard coverage limit in Toronto. At isure, we’re happy to discuss increasing your limits.

3. Uninsured Motorist

This type of coverage provides drivers in Toronto with injury compensation for both you and your family members in the event you are hit by an uninsured driver or an underinsured driver. This coverage will also apply if a driver flees the scene. The default limit for uninsured motorist coverage in Toronto is $200,000; however, we can increase this amount if necessary.

4. Direct Compensation For Property Damage

This type of coverage is part of the no-fault auto insurance system in Toronto, which means you will only be recovering property damage funds from your own insurer. This is true, regardless of fault after a car accident. 


Optional car insurance in Toronto:

In addition to mandatory types of car insurance coverage, drivers in Toronto can also consider optional car insurance for additional protection. The brokers at isure will present you with all of your options regarding auto insurance and optional coverage types, which can include:

1. Collision Coverage

Whether you crash into another vehicle, an object or property, this coverage will help cover the costs of repairing or replacing your vehicle following a collision. 

2. Comprehensive Coverage

Damages caused by named perils, like theft, fire and vandalism will be covered.

3. Specified Perils Coverage

This coverage will protect against risks specifically named in your policy. Named perils can include theft and natural disasters, like hail and rising water, just to name a few examples. 

4. All-Perils Coverage

All-Perils combines collision and comprehensive coverage, and will also provide drivers in Toronto with additional protection in the event that a household member or an employee steals your car.

Our brokers will also discuss Optional Policy Change forms with you, which can include:



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 Car 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.

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 the cheapest car insurance 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 A Car 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 Car 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.

Annual Traffic Collisions in Toronto

Worst Intersections in Toronto (According to Local Residents)

CAA’s Worst Roads in Toronto 2022

Toronto Speed Cameras

The city of Toronto is relocating speed cameras this year because speeding and reckless driving continue to be a problem as they are on the rise. Speeding cameras remind drivers of the importance of safety by warning them (in advance) to slow down and drive responsibly. These cameras effectively change driver behaviour, and those who get caught speeding will have to pay a set fine of $325 currently, although they will not incur any demerit points.

If you live in the city of Toronto, you should know about the new speed camera locations below:

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)

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Car warranties: Everything you need to know
Car warranties: Everything you need to know

Car warranties: Everything you need to know

Understanding the particulars of your car warranty can be a difficult and frustrating experience for any car owner. Learning the differences between the different types of car warranties, such as factory versus extended, is another layer of difficulty altogether. Despite the challenge, however, knowing these crucial differences is a must if you want to get the best coverage for your vehicle, old or new. If you are going car shopping, don’t overlook the warranty. In this article, we will cover different types of car warranties and how they differ from car insurance.