Compare Car Insurance Quotes

We are the only site that publishes the rates
of 50+ companies so you can find the lowest rate.

More is better.

Call us to get your quotes by phone

Saving money on car insurance has never been this easy.

How our users rate our service

Why compare your rate with

Use our site to compare auto insurance rates from over 50 insurance companies.  You can shop the market to find the lowest car insurance rate. No one else publishes as many rates as we do.

Magnifying glass1

Comparing with us costs you nothing! Our service is absolutely free. There are no hidden costs or strings attached because we make our money from partners we work with, not you.


You can find the lowest car insurance rate. Your quotes come straight from the auto insurance companies and are the same rates you would get if you called them directly.


What you see is what you get. The auto insurance quotes you get are accurate, based on the details you provide. As long as your details stay the same, so should your rate. 


Secure your rate. With our priority lines, you'll be able to secure your auto insurance rates quickly. The insurance provider will verify* your information and check that all your insurance needs are met.


*Your motor vehicle record may be pulled to verify information.

Are the car insurance rates on accurate?

Yes! The auto insurance quotes you get at come straight from the insurance companies and are the same rates you would get if you called them directly; there is no better price to be had. But remember, the rates are only as accurate as the details you provide, so if any information changes once you're chatting with the insurance provider, your rate may change too. 

For example, if there's a ticket you forgot to include, or you decide to go with a different deductible, then your auto insurance rate will likely change. The same is true too, if you choose not to bundle your home insurance but originally indicated it was something you'd consider doing. If you don't end up getting home insurance with the provider you buy your auto insurance from, then you'll lose the multi-line discount that was originally applied to your auto insurance quote.

What happens after I get my auto insurance quotes?

Once you get your car insurance quotes, call and we'll help you secure your rate. We'll connect you to the provider who offered you the best rate with our priority phone lines. With your permission, we'll also send your quote details to the insurance provider you've selected so you don't have to enter the same information twice. Then, once you are speaking with them, they will validate the information to ensure it is accurate and up-to-date, and your insurance needs are met.

Ontario rates from real users

Check out the savings our users have seen across Canada.
* from the lowest quote to the most expensive quote.
Oops! There was an issue trying to retrieve the most recent quotes.
Please try again later.
ON auto None

Your top car insurance questions

How can I get the lowest car insurance rates available?

Cheap auto insurance is possible with the following money-saving tips and tricks. 

  • Insure all of your family’s vehicles on the same policy: A multi-vehicle discount could help you to save up to 10 or 20 per cent of your auto insurance premiums. 

  • Bundle your home and auto insurance: If you purchase both your property and car insurance from the same insurer, you’ll likely save in the range of five to 15 per cent. 

  • Equip your vehicle with winter tires: Some insurers offer a winter tire discount if you change your tires seasonally that could save you about five per cent.

  • Review your deductibles: If you have collision and comprehensive coverages included in your auto insurance policy, see how much your deductibles are. If they are set at $500, increasing them to $1,000 will typically save you about five to 10 per cent. Only increase them however, if your budget allows for it because the deductible is what you’ll have to fork out should you need to submit a claim.

  • Pay your premium annually instead of monthly: Sometimes auto insurance companies charge an administrative fee if you pay your premiums monthly. If you pay your premium annually instead, you avoid having to pay this fee.

  • Sign up for usage-based auto insurance: Usage-based insurance (UBI) monitors your vehicle’s use and typically tracks acceleration, braking habits, driving hours and speed. If you sign up for a UBI program, you can save five to 10 per cent off the top, with additional car insurance savings for good drivers on renewal.

  • Factor in the cost of auto insurance when buying a new car: Some vehicles simply cost more to insure. Before buying a new (or new to you car) make sure you take into account how much that vehicle will cost you to insure each year by comparing car insurance quotes.

  • Getting married? Moving? Adding a teen driver to your policy? Make sure your insurer still offers you the best deal: As your life changes, so will your auto insurance rates which means your current insurer may no longer be the one who offers you the most affordable coverage. At minimum, you should be putting your insurer’s auto insurance premiums to the test every year by shopping around.

  • Think you’re paying too much? Shop around: The cost of coverage between companies can differ by hundreds, sometimes thousands of dollars. The only way to make sure you are getting the best price for your policy is to spot check your car insurance rates regularly.

What can affect my auto insurance rates?

Years of experience: To get the best vehicle insurance premium, you have to build a history that shows you are not a high-risk driver. This takes time. Young drivers typically start off by being listed as an occasional driver on their parent's vehicle to get those ever-valuable years of experience.

Your driving record:  The number of years you've been licensed and whether or not you've had any convictions (traffic violations) or been involved in at-fault collisions, will play a role in how much you pay for your auto insurance coverage. If you have a clean driving record, your premium will be lower than if you've had a conviction or accident.

The car you drive: Like drivers, vehicles are rated differently too. Insurance works this way because theft rates, vehicle safety ratings, and the historical repair costs for a vehicle can vary significantly.

If you're shopping for a car, you can easily compare car insurance quotes for multiple vehicles, side by side. It's never been easier to see how rates differ between vehicles.

The amount of time you spend on the road: The more time you spend on the road, the greater the chance you'll be in a collision. If you work close to home (or take public transit), chances are you'll pay a lower auto insurance rate than someone who commutes an hour a day, each way.

Where you live and drive: If you live in a rural area, chances are you'll pay less than someone who lives and drives in a city where there are more drivers on the road, and the likelihood of getting into a collision is higher. Also, more vehicles tend to be stolen in urban areas.

What auto insurance coverages are mandatory?

Each province sets out their own rules on what car insurance coverages are compulsory, however, there are some that are common across the country. 

  • Third-party liability: In all provinces and territories in Canada, Third-Party Liability is mandatory. This coverage will pay for the outcome of a lawsuit if you are sued because a collision you caused resulted in the injury or death of another, or resulted in damage to their property. Generally, the minimum required amount of coverage you need to have is $200,000, although typically most drivers have at least $1 million. 
  • Accident Benefits: With the exception of Newfoundland and Labrador, Accident Benefits are mandatory across the country. Accident Benefits will pay for things like medical treatments, income replacement and funeral expenses if you are injured or killed in a car accident. Additionally, some areas of the country require that your auto insurance policy include Direct Compensation Property Damage (DCPD) and/or Uninsured Automobile coverage. DCPD covers damage to your vehicle or its contents when someone else causes a collision you’re involved in. Uninsured Automobile coverage also offers protection to you if you’re involved in a collision where the other driver, who is at fault for the accident, does not have auto insurance. 

What optional car insurance coverages and endorsements are available?

While every province has compulsory minimums that you must have as part of your auto insurance policy, there are also optional coverages and endorsements that you can add to your policy for a fee. A few of the more popular include:

  • Collision coverage: This covers damage to your vehicle as a result of an impact or collision with another vehicle or object.
  • Comprehensive coverage: This insures your car against damage caused by events like theft and vandalism.
  • Loss of use: Let's say you have collision coverage, and you're in an accident. Loss of use will cover your transportation costs (like a rental car) while your vehicle is being repaired or replaced.
  • Rental car: If you frequently rent cars, this endorsement will ensure that your rental has both collision and comprehensive coverage.
  • Depreciation waiver: If you have a new car, this endorsement ensures you will receive the full value of your vehicle should it end up being considered a total loss.

What is a deductible?

Parts of your auto insurance policy may have deductibles. A deductible is the portion of an insurance claim you agree to pay. Your car insurance provider covers the remaining cost. Your deductibles play a part in how your rates are calculated. Depending on how much financial responsibility you take on in the event of a claim, your auto insurance rates will reflect your commitment. Take on more responsibility (i.e. increase your deductibles) and your rates will lower, take on less responsibility (i.e. decrease your deductibles) and your auto insurance premiums will increase.

How much should my auto insurance deductibles be?

If you’ve chosen to include Collision coverage, Comprehensive coverage, or both on your auto insurance policy, the broker or agent you speak with when discussing your insurance needs will ask you about deductibles. Specifically, you’ll be asked how much you’d like your deductibles to be. Give this question some thought before answering because you’ll want to pick a deductible that fits your budget and will not cause financial stress should you need to submit a claim. While it’s true, your car insurance premiums will be lower with a higher deductible, your deductible needs to align with your personal finances. In general, the most common choices for deductibles are $1,000 or $500; however, there may be other deductible options available to you that may better fit your needs.

Do my collision and comprehensive deductibles need to be the same?

People often mistake Collision and Comprehensive to be one coverage component of their auto insurance policy. The reality is however, Collision coverage and Comprehensive coverage are different; you can buy one without the other or purchase both. As a result, the deductibles you choose do not need to be the same.

Auto insurance rates and how they vary across Canada 

To drive in Canada, auto insurance is required by law from coast-to-coast-to-coast; however, the cost for coverage varies significantly depending on which province or territory you live in. A recent report (2017) commissioned by Ontario’s Ministry of Finance detailed the average auto insurance premiums paid by drivers across the country, and the range in rates is considerable.

Province/Territory and the average auto insurance premium 

  • Ontario - $1458 
  • British Columbia - $1,316 
  • Alberta - $1,179 
  • Newfoundland and Labrador - $1,090
  • Manitoba - $1,001 
  • Northwest Territories - $974
  • Nunavut - $968 
  • Yukon - $806 
  • Nova Scotia - $783 
  • Saskatchewan - $775 
  • New Brunswick - $763 
  • Prince Edward Island - $755 
  • Quebec - $724

Whether you live in Ontario where auto insurance premiums are highest or in Quebec where car insurance is cheap in comparison, there’s no reason why you can’t be being paying less for your coverage. At, all it takes is a few quick minutes to shop auto insurance rates from more than 50 of Canada’s most trusted insurance brands.

You don’t need to wait unit your renewal to switch to a cheaper car insurance rate.

If you’ve found a car insurance rate that beats what you’re paying now, you do not have to wait until your current policy is up for renewal to make the switch. However, you will want to make sure the savings you found with the cheaper rate are greater than the fee you may have to pay for cancelling your current policy mid-term. 

In general, the cancellation fee is a percentage of your premium and the percentage charged is determined by how far along you are into the term of your policy. For example, you’ll pay more if your current policy is only four months old than if you’re nine months into your coverage. The cancellation fee charged is basically a sliding scale that typically ranges from two to seven per cent. 

The best way to know how much you’ll be charged, is to give your current auto insurance provider a call. Let them know that you’re thinking about switching and you want to see if it makes money sense to switch now rather than later. If it does make sense, do not cancel your current policy until you have your new coverage in place.

Kanetix hearts Canada has proudly served Canadians with over 7,000,000 competitive insurance quotes over the past 17 years.

It's easy, secure and free.

Let us do the work. is the only site where you can shop the entire market, making it quicker and easier for you to get quotes from the top providers all in one place. It's that simple.

Privacy first.

We know privacy is important to everyone and we never share your information without your consent

It's free. Really.

Our service is absolutely free and you won't get a cheaper price by going direct. There are no hidden costs or strings attached.

Not ready to shop for insurance today?

Set a renewal reminder and we'll let you know when it's time to save.
Auto Home
Select a date
Your insurance renewal date

Yes, I would like to receive electronic renewal reminder emails. I am able to unsubscribe at any given time. For details, see our privacy policy

Thank you, your subscription details have been saved.

Set another reminder