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Instantly compare car insurance rates from over 30 insurance companies to find your best car insurance rate.

Compare and Save is Canada's premier destination for the best rates!

Access to great rates from the top brokers and financial institutions in Canada is just a few clicks away. We help match you with the products that best meet your needs while providing you with relevant information along the way to help you make an educated decision.


The quickest way to get your car insurance quote

The quickest way to get your car insurance quote

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Using is hassle-free!

1. Tell us about your vehicle
Fill in details about your vehicle.
It won’t take long!

2. Summarize your driving history
Tell us a bit about your driving experience.

3. Get your quote
Compare quotes from more than 30 insurance providers.
Pick your top choice!

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How does car insurance in Ontario work?

How does car insurance in Ontario work?

Car insurance exists so that you can be protected from the financial risks of damages and liability, as well as from injury/death caused by traffic accidents. Car insurance can also provide coverage for your vehicle to protect from damages caused by theft, vandalism, fires, bad weather and other perils. In Canada, it is required by law to have valid car insurance on a vehicle in order to drive it. Driving a vehicle without auto insurance will invite hefty fines, suspension of your driver’s license, vehicle impounding and may impact your chances of getting affordable car insurance coverage, thereby paying high risk rates.

Minimum mandatory coverage provides liability insurance, accident benefits, direct compensation-property damage, and uninsured automobile insurance. Beyond the minimum coverage, you can also choose optional coverage according to your needs that can protect the vehicle itself and/or enhance your coverage amounts. Whether you're looking to buy a car, lease one or already own a vehicle, finding the best rate on auto insurance is easy when you compare rates with

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Why is using the best way to save?

Why is using the best way to save? compares quotes from over 30 top insurance companies in Canada to find you the right coverage at the best price. There is a reason our users trust to find the cheapest insurance quotes in Canada. We are:

Free: Find the best products with the best rates

Secure: Your information is always protected

Fast: Quick quotes from leading auto insurance companies in Canada

Friendly: Our experts are always ready to help

Safe: We do not sell your information without your consent

Easy: simplifies the process of finding the best auto insurance

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How can I find cheapest auto insurance quotes easily?

How can I find cheapest auto insurance quotes easily?

Car insurance is more affordable than you think if you shop around and compare to find the best rates. If you have ever done comparison shopping, you may have noticed that each insurance company offers different rates for the same amount of coverage. The market is competitive, so comparing quotes online is the easiest way to ensure that you are getting the cheapest quotes without lacking the coverage you need. This can save you hundreds of dollars every month. For instance, consumers in Ontario who shopped for car insurance quotes on saved an average of $497* last year, while drivers in Alberta saved more than $400 on average.

*Savings number is calculated by deducting the lowest available quote from the 2nd lowest available quote to determine average savings for Ontario and Alberta separately, as well as Ontario and Alberta combined.

Ready to compare quotes and save on your car insurance policy? Let’s get started!

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Is it legal to drive without insurance?

All registered vehicles in Canada must have insurance, as required by law. If you own and drive a vehicle in Ontario, you are required to carry a minimum of $200,000 in Third-party Liability coverage, although in most cases that is not enough coverage. Vehicle owners in Ontario who do not carry valid auto insurance can be fined $5000 to $50,000. This can lead to also having your license suspended, vehicle impounded, and insurance companies could brand you as a high-risk driver.

What factors affect my car insurance rates?

Insurance companies take many factors into account when calculating your insurance rate.

Vehicle Type: The type of vehicle you drive impacts the premiums you pay. Different vehicles are associated with different risks including their likelihood to be stolen, how much they cost to repair, their safety rating and features, and claims experience for those vehicles. There is also some perceived behavioural risk associated with different vehicles.

Commute Distance: How much you drive will also affect your premiums which is why you are always asked to provide your approximate vehicle usage when filling out a form to obtain a car insurance rate. The more you drive the higher the chance that you could be involved in a motor vehicle accident.

Driving History: Individuals with a clean driving record would generally pay lower premiums relative to individuals with tickets and/or accidents on their record. Other factors such as the length of time you have been driving also matters.

Demographics: Where you live matters when calculating insurance premiums. Areas with higher occurrences of theft and collisions result in higher premiums. Your age can also come into play. Drivers who are 25 years old or older will generally pay less to insure a vehicle. This is based on data that shows that young, new drivers are not as experienced and are therefore more likely to be involved in a traffic collision.

Coverage Type: The larger the scope of the coverage and the higher the coverage limits you choose, the higher the premiums you will pay. The deductible, which is the portion that you must pay out of pocket as a result of a claim, is also important in the calculation of your insurance cost. The higher the deductible you choose the lower your monthly automobile insurance premiums will be.

Discounts: Most insurance companies will provide you with discounts if you meet certain criteria. Discounts can range from winter tire discounts to multi-vehicle discounts. Every insurance company treats discounts differently, so make sure to inquire in order to take advantage of reduced premiums

Is car insurance service available throughout Canada? provides drivers in Ontario and Alberta with auto insurance quotes. Therefore, if you live in Toronto, Ottawa, Mississauga, London, Hamilton, Oshawa, Etobicoke, Kitchener, Windsor, Calgary, Edmonton, Red Deer, Lethbridge, or most other locations in the provinces of Ontario and Alberta we are able to offer you quick and easy car insurance quotes. Compare Ontario auto insurance rates today and start saving!

What information do I need to provide to get a quote? makes it easy for you to get an accurate auto insurance quote. You will be asked to provide basic information about yourself that will help insurance companies determine your premium. All we need is:

  • Some info about you—your age, gender, marital status
  • Your address, and names of any other drivers in your household
  • Your vehicle info—year, make, model
  • Your years licenced
  • Your insurance claims history

Oh, and don’t worry— values your privacy, and will never sell your information without your consent. Your information will remain safe, secure, and protected.

What’s a deductible, and how does it work?

A deductible is the amount of money you agree to pay before the insurance coverage kicks in, in the event of a claim. Your deductible will also determine your policy premium and can have an impact on your insurance rates. The higher the deductible, the lower your insurance premium will be, so if you happen to live in a relatively accident-free area, opting for a lower deductible might be a good idea. It is the decision of the driver, so make sure you make a wise and informed choice.

How can I reduce my insurance rates?

There are many ways to save hundreds of dollars on your car insurance simply by educating yourself! Here are some tips to help you bring down your insurance rates:

  • Driver’s education: Take a valid, ministry-approved driver education
  • Life milestones: Turning 25, getting married, and retiring are just some examples of life milestones that can bring down your rates
  • Multi-line discount: Bundle your home and car insurance with the same company
  • Deductibles: Increase your policy’s deductible
  • Prune your coverage: Remove collision coverage that you don’t need on your older vehicle
  • Maintain a clean driving record
  • Compare rates annually: it’s the easiest way to save!

You do not have to wait until your renewal to save money. Shop around when you have made a major change in your life, and you could be eligible for savings.

How much does it cost to use

Using is 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute. is not a registered broker and makes money by referring you to brokers and financial institutions, providing objective and unbiased comparisons.

Which insurance companies will I get quotes from? shops with up to 30 of the top insurance companies in Canada. These include Intact, Aviva, Wawanesa, Jevco, belairdirect, and Echelon, among many others. is not affiliated with a particular broker, insurance company, or financial institution.

Recent car insurance quotes

Real savings from real shoppers

per year
per year
Zenith Insurance
per year
SGI Canada
per year
Range of quotes $686
Wawanesa Mutual
per year
Chieftain Insurance
per year
Desjardins General Insurance
per year
Dominion of Canada
per year
Range of quotes $100
Wawanesa Mutual
per year
Intact Insurance Company
per year
per year
SGI Canada
per year
Range of quotes $634
Shopper from NEPEAN, ONTARIO
Pembridge Insurance Company
per year
Zenith Insurance
per year
per year
CAA Insurance
per year
Range of quotes $194
Updated Jan 20, 2020

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