Car Insurance in Toronto

Renewing car insurance in Toronto is easier than you might think. In fact, if you’re enrolled in automatic renewals, then you might not have to do anything to have your policy renewed. But if not, all you have to do is notify your provider, either by phone, email, or in person, that you would like to renew your policy. Make sure to review your coverage and your new premium to determine if it still suits your needs. If not, spend some time shopping around and comparing car insurance quotes before renewing your policy with your existing provider.

Yes. Most of the time, your insurance provider will increase your auto insurance rates if you get into an at-fault car accident. However, if your policy features accident forgiveness and this is your first at-fault accident, then your rates may not rise due to the accident though they may change due to other factors. Accident forgiveness is an optional type of car insurance that can be added to policies in Toronto. They offer many benefits to drivers, namely the fact that your premium will stay the same after your first at-fault accident.

Not typically, no. If you have comprehensive coverage as part of your Toronto car insurance policy and your entire vehicle is stolen, your insurance company can help pay to replace it. The same goes for if a permanent fixture of your car, like the steering wheel, is stolen. However, if personal belongings, like a phone, wallet, or laptop, are stolen from your vehicle, your car insurance plan is unlikely to protect you. It can, however, pay for the cost of repairing any damage to your car that was caused during the break-in, such as a smashed window or door. Depending on the terms and conditions of your home insurance policy, if applicable, you might be covered for the cost of your stolen belongings under that policy.

Yes, you will need a valid Ontario driver’s licence if you want to buy auto insurance coverage in Toronto. If you plan on adding other drivers to your policy, such as a spouse or adult child, be prepared to provide a copy of their driver’s licences as well. If your licence is about to expire, make sure to renew it before purchasing insurance. You can learn more about renewing your licence here.

Car insurance brokers in Toronto can help you find everything from mandatory insurance coverage in Ontario to optional coverage, like comprehensive car coverage or collision car coverage. With their expertise, they can also help find coverage for all types of drivers, from seniors to student drivers.

Yes, reach out to a local insurance agent or broker to request a free car insurance quote today. Nowadays, Toronto car insurance quotes can be obtained online, over the phone, or in person.

The most expensive cars to insure in Ontario are typically the most valuable. In other words, expensive cars translate to expensive insurance, since the cost of replacing or repairing the car would be more expensive. That said, insurance rates depend on so much more than the type of car you drive, which is why someone with a more expensive car may still end up paying less for auto insurance Toronto than someone with a budget friendly car.

Ways of lowering car insurance premiums in Toronto include selecting a high policy deductible, bundling insurance policies together, such as by buying multiple auto insurance policies, or taking advantage of auto insurance discounts like hybrid or electric car discounts, winter tire discounts, telematics discounts, group insurance discounts, and more.

If someone has an accident in your car, your car will be covered, since auto insurance Toronto follows the vehicle, not the driver. The only instance in which you would not be covered is if the person driving your car was committing an illegal act at the time of the accident or if they are listed as an excluded person on your car insurance policy.

Yes, speeding tickets impact car insurance premiums in Ontario. Since speeding tickets are a form of driving infraction, having one or multiple on your record can increase your premium. However, your premium won’t increase right away. Instead, it is likely to go up when your auto insurance Toronto policy renews. To avoid an insurance premium increase, take care to adopt good driver habits.

Insurance companies are constantly underwriting behind the scenes, which is why you will notice changes to your insurance premium year after year. Plus, the provincial government has made several Ontario car insurance changes, which also impact auto insurance Toronto rates.

That depends on your particular circumstances. Your rate will depend on different factors including your address, your driving history and the type of vehicle you drive. To get a better idea of what you should be paying, talk to an insurance broker.

There is no one cheapest car to insure in Toronto. Two people with the exact same car might have different insurance rates. That’s because insurance companies consider things like your driving experience, claims history and address in addition to the type of car. We suggest you pick a car you like, then talk to an insurance broker to find the best possible rate.

Different insurance companies offer different products and have different specializations. We suggest talking to an insurance broker. A broker will shop around different insurance companies to find a solution that fits your specific situation.

Anyone can shop for car insurance in Toronto! However, we suggest getting a broker to help you. Brokers are insurance experts. That means you’ll have confidence you have the coverage you need.

Many different factors affect your car insurance rate in Toronto. Some of those factors include: where you live, your driving experience, your claims history and the type of car you drive.

In Ontario there are many different types of car insurance. The mandatory coverages are liability, accident benefits, and uninsured automobile coverage. In addition, you can purchase things like direct compensation, collision, comprehensive and accident forgiveness.

Heavy traffic means a higher risk of collisions, which can lead to higher car insurance premiums. When determining your premiums, insurance companies factor in how often and where you drive, so if you're regularly stuck on the Don Valley Parkway or Gardiner, or if you spend a lot of time driving up and down Yonge Street, your rates could reflect that.

Yes. Downtown areas tend to have higher car insurance rates due to more traffic and a greater chance of collisions or theft. Suburban neighbourhoods usually have a lower risk of both and lower premiums to match.

According to Toronto Police Services, between 2020 and 2024, the worst neighbourhoods for car theft rates were West Humber-Clairville and York University Heights, followed by Etobicoke City Centre.

Not necessarily. However, insurance companies consider where and how often you drive when calculating your premiums, and if you're regularly driving through high-traffic or event-heavy areas, they'll likely take that into consideration. Also, if you often drive through high-traffic or event-heavy areas, it increases your risk of fender benders, which could impact your insurance rates if you file a claim.

Yes, when purchasing car insurance in Toronto, you can ask about winter tire discounts, low-mileage discounts, multi-policy bundles, or usage-based programs. Also, many Toronto drivers save by combining home and auto insurance under one policy with the same insurance provider, so be sure to ask about that as well.

Yes, longer daily commutes, such as commuting from Toronto to Mississauga, generally mean higher premiums because you're spending more time on the road, which increases your risk of accidents.

No, occasional long-distance trips usually won’t impact your car insurance rates. However, you should let your broker know if it becomes a regular habit. They can help ensure your coverage fits your updated driving patterns.

Detours and reroutes can lead to unexpected traffic congestion or accidents. While they don’t affect your rate directly, they may be relevant in an insurance claim if road conditions contributed to a collision.

Toronto experiences snow, ice, and freezing rain regularly throughout the winter. These factors increase the risk of collisions by making the roads more slippery or affecting visibility. Adding additional coverage like collision and comprehensive coverage, as well as using winter tires (which may qualify you for a discount), can help ensure you have enough protection for winter driving in Toronto.

Yes. According to the Toronto Police Services, the West Humber-Clairville, Etobicoke City Centre, and York University Heights neighbourhoods had the highest vehicle theft rates in Toronto in 2024. Living in or near these areas can raise your comprehensive insurance premium to reflect the risk of theft.