TD Car Insurance Quotes in Ontario

Compare your car insurance quote from TD Insurance with other leading insurance providers in Ontario.

Compare TD car insurance quotes with other top providers in Ontario

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Written By Taras Trofimov


About TD Insurance

As a subsidiary of the Toronto-Dominion (TD) Bank Group, a leading financial institution in both Ontario and Canada, TD Insurance is one of the top three personal home and auto insurance groups in the country. It offers products across the general insurance and life and health insurance sectors, including the following:

  • Auto Insurance
  • Home Insurance
  • Life Insurance
  • Health Insurance
  • Travel Medical Insurance
  • TD Protection Plans
  • Motorcycle and Recreational Vehicle Insurance
  • Business Credit Life Insurance

Serving over 1.2 million auto and home insurance customers across Canada, TD prides itself on connecting customers to the best solutions for their needs for an affordable price. As part of this effort, it has created an insurance disclosure document that shows how much its representatives are compensated, allowing customers to know exactly what they’re paying for.

Read on to learn more about TD Insurance and see if it suits your needs. Alternatively, you can shop around for the cheapest premium by comparing car insurance quotes for free from over 50 providers with RATESDOTCA.

Recent Ontario Auto Insurance Quotes

Recent Auto Insurance Quote from BRANTFORD, ONTARIO
Male, Age 38
April 11, 2024
Cheapest Quote
$ 362 / month
$4,345 / year
Average Quote
$ 448 / month
$5,371 / year
$ 86 / month
$1,026 / year
19.10 %
Recent Auto Insurance Quote from BRANTFORD, ONTARIO
Male, Age 33
April 11, 2024
Cheapest Quote
$ 260 / month
$3,121 / year
Average Quote
$ 493 / month
$5,918 / year
$ 233 / month
$2,797 / year
47.26 %
Recent Auto Insurance Quote from BRANTFORD, ONTARIO
Male, Age 24
April 11, 2024
Cheapest Quote
$ 304 / month
$3,650 / year
Average Quote
$ 431 / month
$5,166 / year
$ 126 / month
$1,516 / year
29.35 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

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TD car insurance features

If you’re planning to purchase car insurance from TD in Ontario, here are some of its biggest features:

TD Insurance Decreasing Deductible

Also known as the ‘declining’ or ‘disappearing’ deductible, this free insurance endorsement allows you to drop your deductible by 10% every year, as long as you remain claim-free. For instance, if your deductible is $500 (which is the typical amount), then after your first claim-free year, your deductible would go down to $450. After the second year, it would go down to $400, then to $350 in the year after and so on – until it goes down to $0. The lower the deductible, the less you have to pay out of pocket should something happen to your vehicle.

There are several caveats, however. Firstly, this feature will apply only for as long as you remain claim-free. Once you make a claim, your deductible will go back to its original amount at the next renewal. Secondly, this applies only to Collision or All Perils coverage with deductibles of $500 or lower. And lastly, events like glass breakage of $200 or less, not at-fault collision or hit and run will not be considered a claim.

TD MyAdvantage

TD MyAdvantage is a usage-based app for your smartphone that allows you to save up to 25% on your premium – as long as you drive safely. Once you install and log into the app, it will begin capturing your driving data on each trip. This includes your GPS locations, mileage and driving behaviour, such as your speed, acceleration, turning and braking. Based on this information, you will receive a driving score that TD will use to calculate your premium discounts. The safer you drive, the greater the discounts will be. You start out at 10% just by enrolling in the app.

Additionally, the app includes tips and advice based on your driving habits that may help you become a safer driver. You can also earn badges by completing challenges that test how safely you drive.

TD Accident Forgiveness

TD Accident Forgiveness is an add-on to your car insurance that will protect you from an at-fault or partially at-fault accident, provided it’s the first accident in the last six years. Basically, TD Insurance will ‘forgive’ the accident by not increasing your premium upon renewal. The feature applies on a per vehicle basis and works for cars, motorcycles and motorhomes.

To be eligible, you must have car insurance with TD and be accident-free for the last six years.

TD Grand Touring

Grand Touring is a good add-on to your car insurance, if you plan on driving over long distances in Canada and the US. If you get into an accident, or if your vehicle is either stolen or vandalized somewhere in the US or Canada, this will cover you for the rental of a replacement vehicle.

To be eligible, you have to have car insurance with TD. This applies to private passenger cars only.

Green Wheel Discount

If you drive a hybrid or electric car – a vehicle that’s considered ‘green’ – then you may be entitled to a special discount. It’s a way for TD to reward individuals for contributing toward reducing both smog and greenhouse gas emissions. The discount is applied automatically on new policies, vehicles or substitutions. If it’s an existing policy, the discount is applied upon renewal.

TD MyInsurance

MyInsurance is TD Insurance’s online portal that allows you to update your home and auto policies, add or change vehicles and drivers, update your billing information, such as your credit card details, and pull up your insurance documents, including your pink card. You also get the benefit of using the TD Insurance app, which provides the same benefits, but on the go. One of the most important benefits of MyInsurance is that it allows you to go paperless. You can even download your pink card to your smartphone.

Additional perks of TD Insurance

TD Insurance offers a variety of ways to secure a discount on your premium in Ontario. Here are some of the conditions you can meet to start saving with TD:

  • You are the sole driver and have two or more cars insured with TD
  • You have an occasional driver under your policy who is a full-time student
  • You have bundled your home and car insurance under TD
  • You have been claim-free or have had no convictions within a specified period of time
  • You own a hybrid or electric car that is recognized as a ‘green’ car by the Insurance Bureau of Canada (IBC)
  • You are retired and are 65 or older
  • You have recently upgraded your driver’s license from class G1 to G2 or from class G2 to G through the graduated licensing program
  • You put winter tires on your vehicle between December 1st and March 30th each year

Note that if your policy limits or excludes any of the above, then your insurer will apply the discounts based on it. That’s because insurance policies are unique to you and your specific circumstances.

TD Insurance contact information

General inquiries

Need to contact TD Insurance with questions or concerns about your auto insurance? Here’s how to reach them:


  • Markham office
    101 McNabb St
    Markham, ON L3R 4H8
    Toll-free phone: 877-397-4188

  • Toronto office
    320 Front St W
    Toronto, ON M5H 1T1
    Toll-free phone: 866-361-2311

Auto centres

  • Ajax auto centre
    585 Finley Avenue
    Ajax, ON L1S 2E4
    Toll-free phone: 866-220-5255

  • Etobicoke auto centre
    12 Queen Elizabeth Blvd
    Etobicoke, ON M8Z 1L8
    Toll-free phone: 844-814-9046

  • Hamilton auto centre
    115 Dartnall Rd
    Hamilton, ON L8W 3N1
    Toll-free phone: 888-661-6055

  • Kitchener auto centre
    100 Cress Lane
    Kitchener, ON N2C 2K2
    Toll-free phone: 888-220-2119

  • London auto centre
    15700 Robin's Hill Road
    London, ON N5V 0A8
    Toll-free phone: 888-334-0377

  • Mississauga auto centre
    5350 Maingate Dr
    Mississauga, ON L4W 1R8
    Toll-free phone: 833-664-1212

  • Nepean auto centre
    1992 Robertson Road
    Nepean, ON K2H 5B9
    Toll-free phone: 833-793-2144

  • Ottawa auto centre
    2191 Bantree St
    Ottawa, ON K1B 4X3
    Toll-free phone: 844-262-2590

  • Toronto auto centre #1
    4656 Yonge St
    Toronto, ON M2N 5M1
    Toll-free phone: 833-819-1218

  • Toronto auto centre #2
    320 Front St W
    Toronto, ON M5V 3B6
    Toll-free phone: 888-756-5666

  • Richmond Hill auto centre
    10427 Yonge Street
    Richmond Hill, ON L4C 3C2
    Toll-free phone: 833-315-5803

  • Scarborough auto centre
    2110 Lawrence Ave E
    Scarborough, ON M1R 2Z9
    Toll-free phone: 833-264-0025

  • Vaughan auto centre
    273 Milani Blvd
    Vaughan, ON L4L 1A5
    Toll-free phone: 888-220-6767


You can file TD auto insurance claims 24 hours a day, seven days a week, online or over the phone.

  • Claims toll-free phone


TD Insurance has a robust system for handling customer complaints.

If you have a complaint regarding your home and auto insurance, life and health, TD protection plans and travel insurance that hasn’t been adequately addressed yet, the first thing you should do is voice it by contacting your TD Insurance advisor directly at 888-788-0839.

You then have the option to escalate it by either asking the advisor to do so on your behalf or doing so yourself by contacting the TD Insurance Customer Care Team at 877-734-1288, or by using their online form.

There’s a third escalation tier as well, which lets you contact the Senior Customer Complaints Office, though this can only be done in writing. The process involves assigning an investigator to your issue, who will conduct an impartial review of your situation and give you their ultimate recommendation. When contacting the Senior Customer Complaints Office, you must include your contact information, details of your complaint and how you suggest the issue gets solved. You can either email the write-up to td.scco@td.com or mail it to the following address:

Attn: Senior Customer Complaints Office
P.O. Box 1
Toronto-Dominion Centre
Toronto, Ontario
M5K 1A2

General Insurance OmbudService (GIO)

  • Mailing address
    4711 Yonge Street, 10th Floor
    Toronto, ON M2N 6K8

  • Phone, fax, email
    Toll-free phone: 877-225-0446
    Fax: 416-299-4261
    Email: info@giocanada.org

Frequently asked questions about TD Insurance

Need more information on TD Insurance? We got you covered.

Who is TD Insurance owned by?

TD Insurance is a subsidiary of the TD Bank Group, one of the largest financial organizations in Canada. TD Insurance is the biggest direct-response home and auto insurance group and one of the top home and auto insurance groups in the country. It also happens to be the national leader in critical illness and a pioneer in affinity marketing – working with groups such as University of Toronto, Sheridan College, University of Waterloo and others to market insurance to their members.

Does TD Bank have insurance?

TD Bank Group offers insurance via its subsidiary, TD Insurance, working in two sectors: general insurance and life and health insurance. Its products include:

  • Auto Insurance
  • Home Insurance
  • Life Insurance
  • Health Insurance
  • Travel Medical Insurance
  • TD Protection Plans
  • Motorcycle and Recreational Vehicle Insurance
  • Business Credit Life Insurance

You can learn more about them on their website: tdinsurance.com.

Where is TD Insurance Auto Centre?

When making your auto insurance claim, you can turn to a TD Insurance Auto Centre to get your vehicle back in order, instead of going to a local shop. Every auto centre allows you to talk to an advisor, who will walk you through your claims process, as well as get your car repaired by a Certified Repair Technician and receive a rental car in lieu of your current one.

To find a TD Insurance Auto Centre nearest to you, you can consult our list of TD Insurance auto centres.

Alternatively, you can look up an auto centre near you on tdinsurance.com.

What can I do if my auto insurance premium at TD Insurance is going up?

There are many reasons your auto insurance premium at TD Insurance may go up. Some of them, such as inflation and new government regulations, are beyond your control, while others are not, as they are usually the result of your specific situation and choices.

Here are some of the ways you can control and lower your auto insurance premiums at TD – or any other insurance provider:

  • Shop around: Compare car insurance quotes online via websites like RATESDOTCA. TD Insurance’s rate may not be the cheapest one out there. So, check out other companies to make sure you’re getting the best deal possible.
  • Increase your deductible: You can increase your deductible to $1,000 or higher, which will lower your premium. Note that you’d have to pay more out of pocket should something happen to your car.
  • Don’t over-insure your vehicle: Avoid any add-ons to your policy that you don’t need. Pay only for the coverage you know will benefit you in the long run.
  • Drive more responsibly: The more traffic tickets you accumulate or claims you file, the more likely you are to see an increase in your premiums. Drive safely and responsibly to ensure you have a clean record, if you don’t have one already.
  • Bundle up: If you have home insurance, consider bundling it with your car insurance to not only streamline your payment but lower your premiums – in some cases, almost by a quarter of the total cost.
  • Get a different car: A vehicle that scores high in crash tests and has low theft ratings will be cheaper to insure than a vehicle on the opposite end of this spectrum. Every car – of every year, make and model – has its own Canadian Loss Experience Automobile Rating (CLEAR), which indicates how expensive it is to insure, so if you’re shopping for a new car, check it out.
  • Make your car safer: By installing safety features like winter tires, anti-lock brakes, driver assist and an anti-theft alarm system, you can significantly reduce the likelihood of having to file a claim due to an accident, lowering your premiums in the long term.
  • Take driving lessons: Consider enrolling in government-certified driving courses. This will not only help you become a better driver but decrease your premiums, as TD Insurance and other providers will view you as less of a risk and less likely to file a claim.
  • Make timely payments: Paying on time will save you money on late fees, reducing your premiums in the long run. This one is a no-brainer.
  • Move, if you can: Some areas have more expensive premiums than others due to factors such as crime rates and traffic density. For instance, insuring a car in Toronto is more expensive than doing so in Waterloo. Check out how expensive your area is using the RATESDOTCA Insuramap.
  • Consider TD’s MyAdvantage: By letting TD Insurance track your driving habits via its MyAdvantage mobile app, you can lower your premiums – though you should do so only if you are a safe driver.

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