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Get the Best Car Insurance Quote for 2023

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Did you know that there are more than 26 million motor vehicles registered in Canada? That's nearly 2 vehicles per household!

If you have one of these vehicles, you need auto insurance. It provides valuable liability and medical coverage for you, your passengers and other drivers.

Below we delve into car insurance. Learn how much it costs, who offers the best insurance and get tips for saving!

What you need to know about auto insurance

Car insurance in Canada is mandatory.
Every province has its own standards with some opting for a public system, others for a private system and Quebec for a hybrid one.
Get a list of our favourite providers.
Learn how to save on car insurance and compare quotes.

Our 2023 ranking of Canada’s best car insurance providers

LowestRates: many quotes in one place

LowestRates.ca is an intuitive comparison tool for getting auto insurance quotes from many of the top insurers in Canada in one go. Their auto partners include CAA, SGI Canada, Zenith Insurance Company, Pembridge, Gore Mutual Insurance Company and many more. After insuring your vehicle for less, compare mortgage rates and credit cards.

Our team got quick quotes for nine insurers through their site with a single submission ranging from $70.58 to $166.67 per month for a 2018 Toyota Yaris driven by a 33-year-old man in Ontario.

Stop wasting money. Take 5 minutes to compare to save $500, $1,000 or more.

Options for high-risk drivers, new drivers, students, secondary drivers and

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Onlia: online car insurance made easy

Onlia car insurance makes getting great coverage easy. Its digital approach means you don’t have to speak with a car insurance broker or an agent to get a policy.

Everything is easy to access through the website or mobile apps. Policies are customizable online, so you can increase your third-party liability coverage or add any number of endorsements including Family Protection, increased accident benefits and automobile price guarantee. See how much each option adds at each step of the way.

Unlike many car insurers, Onlia has an endorsement to cover you while permission to carry paying passengers and more.

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Economical: excellent coverage even for high-risk drivers

Do you have a problematic driving record? Economical is a leading special risk provider.

Policyholders enjoy 24-hour emergency service and customizable coverage. Insurance is available to protect against lawsuits, third-party liability, medical expenses, vehicle repairs, theft and lost wages. Economical makes its policies available through auto insurance brokers, so you can easily compare products and insurance rates. Find the right policy for your car, van, truck or SUV.

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My Choice: compare quotes with a 2-minute form

Toronto-based My Choice aims to take the guesswork out of buying insurance by offering information transparency and personally-tailored insurance quotes.

Getting quotes is quick and easy with a 2-minute form.

Our team got instant quotes from six insurers ranging from $76.92 to $184.33 for a 38-year-old man in Ottawa with a 2018 Toyota Yaris. Additional brokers followed up by email. On-page options let buyers quickly change deductibles and recalculate rates. While less customizable than some competing comparison tools, we appreciate the ease of use and getting multiple quotes in one place.

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Pafco: insurance for the hard-to-insure

Pafco Insurance Company is a specialist in personal insurance for drivers unable to qualify for coverage through traditional providers. Work with a knowledgeable independent broker who puts your news first. Pafco might be a good fit for you if you struggle because of convictions, accidents or lapses in coverage. A policy with Pafco can help you improve your record for later.

Coverage is available in Ontario, Quebec, Nova Scotia, New Brunswick and Alberta. Pafco is a subsidiary of Allstate Canada.

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Optimum: custom build your plan with many endorsements

Optimum car insurance is available through a network of car insurance brokers, which means expert advice and competitive pricing.

Customize coverage with the endorsements that make sense to you. Liability coverage is available for up to $2 million. Discounts are available for drivers over 40, retirees, occasional student drivers and people who bundle multiple vehicles or home and auto insurance.

Coverage is also available for commercial vehicles, classic cars, ATVs, snowmobiles, motorcycles and RVs.

The Optimum Group is Canadian-owned. Having expanded outside of its native Quebec, it also offers automobile insurance coverage in Ontario and Alberta.

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Promutuel Insurance: auto coverage from a Quebecois mutual association

This 100% Canadian insurer is based in Quebec As a mutual association, it has the interests of its members, employees and communities close to its heart. It distinguishes itself with a focus on easy-to-buy and manage digital policies.

The well-designed mobile app and website make it easy to see insurance information and submit claims wherever you are. Many discounts are available.

Insurance is also available for many other motor vehicles including motorcycles, snowmobiles, ATVs, motorhomes and scooters.

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TD: popular insurance from a big five bank

TD car insurance is a popular option for auto insurance. As one of Canada’s largest insurers, it is a safe choice. Customize your coverage with options for accident forgiveness, a depreciation waiver and Grand Touring insurance if you drive across Canada or the U.S.

Finally, there are a few ways to save on your insurance rates. You can bundle car and home insurance, insure multiple vehicles or switch to an electric or hybrid. Finally, the TD MYAdvantage app lets safe drivers save up to 25% by analyzing how they drive.

RBC: great emergency roadside assistance

RBC car insurance is a solid choice from Canada’s largest bank.

policyholders can choose many options beyond basic mandatory coverage like Family Protection, Waiver of Depreciation and accident forgiveness.

One of its best add-ons is the Satellite Program which gives emergency roadside assistance if you ever need your vehicle towed, a flat tire fixed or a battery jump. Run out of fuel, lock your keys inside or get your vehicle stuck? Don’t worry RBC can help with that too.

Aviva: options for ride-sharing services

Aviva offers quality car insurance with lots of helpful endorsements. Options include transportation replacement, minor conviction protection, disappearing deductible and accident waiver. Notably, Aviva car insurance offers ride-sharing insurance for people who use their personal vehicles for paying passengers. Not all insurers offer this, even as an option.

Discounts are available for retirees, for policyholders who stay claims-free and for bundling policies.

Want to save more? Install the Aviva Journey app for 10% off your insurance premiums. The following year, safe drivers can see their premiums drop by as much as 20%.

Desjardins: great insurance with unique endorsement options

Aside from the typical mandatory coverage and expected optional coverages, Desjardins has compelling options not offered by most insurers. The 5-year Replacement Option is a standout endorsement. Protect your investment for a full five years. In the event of a total loss, you can get a new replacement. In a partial loss, unrepairable parts are replaced with new ones.

Besides that, you can save up to 15% for bundling car and home insurance, driving an eco-friendly vehicle or going incident free for three years. Young drivers enjoy reasonable rates and can get a rebate if they’re caisse members.

Save 10% immediately and up to 25% after 6 months for signing up for Ajusto, Desjardin's driving telematics app.

Co-operators: car insurance through a co-operative

Co-operators is a Canadian-owned insurance co-operative, so they run their business differently from most other providers. They are democratically controlled by members empowering them to offer services in challenging markets and build community partnerships.

The Co-operators offers the mandatory car insurance you would expect from a top provider with optional coverage add-ons including accident forgiveness, family protection, waiver of depreciation and more.

Allstate: feature-rich auto insurance offerings

This insurance giant offers a wide range of auto insurance options beyond mandatory liability, accident benefits and DCPD. Add coverage for collision or upset, comprehensive, claim forgiveness, disappearing deductible, minor offence forgiveness, waiver of depreciation and more. Ride for Hire insurance is also available for people who drive for ride-shared services, which many providers do not offer.

Policyholders can save 5% by signing up for the DriveWise app and up to 30% by driving safely. Discounted insurance rates are also available for some good students, retirees and loyal policyholders, and have features like park assist cameras, anti-theft devices and driver assistance systems.

Sonnet: buy car insurance 100% online

Sonnet is an online Canadian car insurer. Get a car insurance quote in minutes without speaking to an agent. If you ever need one though, no need to worry — agents are available by telephone, email or chat. You can make claims or get a towing service 24/7. Endorsements include Accident Forgiveness, Ticket Forgiveness, Non-owned vehicles, and the Vroom bundle with roadside assistance, vehicle replacement without depreciation and a hit-and-run deductible.

Just finished your studies? Sonnet has the Canadian University Alumni discount for policyholders who buy either car or home insurance.

How to get a car insurance quote?

Getting a quote on auto insurance is easy. Many insurers and brokers can give you an instant quote over the phone or online.

Insurers will want to know the following when you request a car insurance quote:

The vehicle you drive: a 20-year-old Toyota Corolla doesn’t cause the same as a brand new Jeep Wrangler.
Where you drive: A driver in rural Ontario won't pay the same as one in Toronto or Ottawa.
How much you drive: a long commute to work could mean more expensive insurance
About you and your driving record: rack up some infractions or a previous accident? And you’ll pay more than a similar driver with a clean record.
About other regular drivers: does your spouse or teenage son borrow the family car?

Good to know

Need some help getting started? The comparison tool at the top of this page will help you sort out your options and compare cheap car insurance quotes in seconds.

How much is car insurance?

The cost of car insurance largely depends on your province.

According to the Insurance Bureau of Canada, the average cost of car insurance ranges from a low of $717 in Quebec to a high of $1,832 in British Columbia per year. That works out to around $60 to $150 per month.

Of course, these are averages — you might pay less or a lot more. Your vehicle choice, age, driving record and location all matter too. Here are a couple of examples:

For example

Becky, a 45-year-old driver in Ottawa, is looking for insurance for her 2018 Tesla 3. She gets a quote for a comprehensive plan with $2 million liability coverage and a $500 deductible for $153.75 per month or $1,845 annually. She has a clean driving record and drives 12 to 16,000 km a year.

For example

Kamau, a 28-year-old driver in Mississauga, is shopping for car insurance quotes on his 2022 BMW 330e 4DR. One leading provider quotes him $336.83 per month or $4,041.96 annually. This quote, at more than double Becky’s, is due to his location, his more expensive vehicle and 4 demerit points on his record for exceeding the speed limit.

Want to see prices in your province or territory? Click on your location to check!

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Which province has the cheapest car insurance in Canada?

According to data from the IBC, Quebec is the cheapest province to insure your car in, with an average annual car insurance premium of just $717.

This is thanks to its hybrid insurance model that only requires drivers to purchase third-party liability coverage. Whereas in most other provinces, the mandatory minimum is $200,000, Quebec requires $50,000. Rounding out the top three provinces for cheap car insurance are Prince Edward Island at $816 and New Brunswick at $867.

Which province has the most expensive car insurance in Canada?

British Columbia is the province with the most expensive car insurance. Average car insurance premiums reach $1,832 per year!

BC car insurance is a monopoly with a public model. The fully-private models in Ontario and Alberta are the next most expensive at $1,528 and $1,514, respectively.

How much is insurance for a new driver?

It is no secret that auto insurance for new drivers costs more. New drivers are statistically more likely to be in an accident than experienced drivers. Higher-risk drivers pay higher premiums. One online auto insurance broker gives a range of $3,000 to $7,000 for a driver under 25 in Ontario. That’s a lot of money, but there are ways to bring that premium down.

Maintain a clean driving record.
Take a driving safety class, and you could be eligible for as much as a 15 or 20% discount off your premiums. Not sure where to start? Check with your province. For example, the Ontario Ministry of Transportation has a list of government-approved driving schools.
Get a full unrestricted driver's licence as soon as possible. In Ontario, this is the G License and is available at 18. In Alberta and British Columbia, it is a Class 5 license. Names vary between provinces and territories.
Students can save by maintaining good grades.
Wait until your 25th birthday. You should see your premiums come down with a few years of driving under your belt.

How do you get the cheapest car insurance?

Even if driving is expensive, cheaper car insurance is possible. Here are our top tips for saving on car insurance.

Avoid traffic violations: A clean driving record means lower premiums. Increased car insurance rates might be the most painful part of a speeding ticket.
Bundle insurance: Most providers will give you a discount for having multiple policies of bundling car and home insurance policies through them.
Call your insurer: An insurance agent or broker can help you weigh coverage options to get a cheaper car insurance quote. You won’t know if you don’t ask.
Don’t overbuy: Only carrying the coverage and endorsements that you actually need can save you serious money.
Discounts: Membership in an alumni or professional association often qualifies you for a group discount. Ask.
Higher deductibles: Increase your deductible to lower your rates. Even if it costs more when you make a claim, the cost savings quickly pay for themselves.
Install an anti-theft system, backup camera or other safety features: Adding safety features that reduce risk will help to drop your premiums.
Loyalty discounts: Some insurers will offer discounts for staying with them for several years. If not, they may give you perks like diminishing deductibles which decreases your deductible for every year you’ve held a policy.
Park inside: Leaving your vehicle in a garage protects it from weather damage and reduces the chances of it being stolen. Many insurers will share those savings with you through cheaper rates.
Pay annually: If you can swing the larger bill, pay for a year of insurance at once. You may get a 5-7% discount off your insurance rates for your trouble.
Review every year: Time to renew your car insurance? Set aside some time to get insurance quotes. Another insurer may have a better deal. If not, you might decide that it’s the right time to drop an endorsement from your policy to save.
Take a class: Passing a driver training class can save you on premiums, especially if you are a new driver.
Telematics apps: Many car insurance companies in Canada give discounts for agreeing to install and use an iPhone or Android app that tracks your driving habits. You can save big by following the speed limit, not using your phone while driving and avoiding sudden braking and quick acceleration.
Compare: Different providers sometimes quote very different insurance rates. Get a few quotes before committing to a new insurance policy.

Watch out!

Remember that cheap today might not be cheap tomorrow. Shop wisely and weigh what coverage you need. When you’re in an accident and don’t have the coverage you need, it doesn't matter if you have the cheapest car insurance rate.

Keep reading about car insurance

Have more questions about how insuring your vehicle works? You’ve got questions and our comprehensive auto insurance guide has answers. Still hungry for more? Explore our other articles.

Did you like this article?

Alexandre Desoutter

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms.

As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

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1 comments

Trevor

on 9 April 2021

Hi,

Do you also offer insurance for the province of Ontario?

Alexandre Desoutter Our expert

Hello,

We don't offer insurance, we compare the ones already existing in Canada to provide complementary informations to customers and help them make their choices. We provide an insurance comparator which gives you the best insurance quotes in less than 30 seconds and in a totally anonymous way.

Have a great day,
The Hellosafe's team