Compare cheap Toronto car insurance quotes online & start saving today

One of Ontario's most expensive cities for car insurance is Toronto – this is especially the case in the suburbs. Suburban drivers depend on cars more often to get to places due to the lack of transit beyond the central core. Driving on bigger highways and more congested roads also leads to a rise in risk which ultimately contributes to higher car insurance premiums.

In Brampton, a suburb just outside of Toronto, drivers face some of the highest car insurance rates due to the high volume of fraud and uninsured vehicles on the road. Despite being a relatively low-risk driver, location can still play a big factor in the price of your policy.

Yes, just like the rest of Ontario the price of auto insurance for Toronto drivers on average has gone up. Specifically, Ontario auto insurance is up +18.5% YoY as of Q2 2025 (Applied Rating Index).

The vehicle you drive is one of the many factors that go into your car insurance quote. That being said, inexpensive, used cars (as well as cars with high safety ratings and low theft rates) generally come with cheaper premiums.

Minivans and SUVs can also be cheaper to insure than sedans due to the typical risk profile of these vehicles' drivers – experienced drivers who have a family tend to be more cautious on the road.

For more information, here is a list of the cheapest cars in Ontario (and the cost to insure them).

You won't know which provider offers the cheapest car insurance in Toronto until you compare all your options. The good news is that we make it extremely easy for you to do so – by providing us with a few details, we'll show you customized quotes from the city's top providers. That way, you can view your lowest rate in one instance, instead of bouncing around from insurer to insurer. 

Read: How to get the cheapest car insurance possible 

Rental cars in Toronto typically only come with the minimum required coverages, so you'll want to purchase additional rental car insurance to ensure you're covered for vehicle damages. Otherwise, you could be liable for paying thousands of dollars out-of-pocket to repair or replace the car after an accident. 

While you can get insurance from the rental car company, this is often the most expensive option. To avoid paying high fees, you can add a non-owner car insurance endorsement on your personal auto insurance policy – which extends your current coverage to the rental car – or check to see if your credit card already provides insurance.

Big-name insurers include Aviva, Intact, and CAA, but the best Toronto car insurance company for yourself will be the one that meets all your coverage needs for the lowest rate possible. That's why it's helpful to review the value of each policy. Onlia – a newer player in the industry, for instance – is backed by worldwide underwriters and offers unique perks such as usage-based driving rewards. Be sure to compare Toronto car insurance quotes with us today to view your best option.