Get Your Best Auto Insurance Quote and Start Saving Now

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

COVID-19 Update: We’re here for you.

These are uncertain times, but one thing that is certain is our commitment to you. As an online business, we're set up to help you remotely so you can still take care of your insurance, mortgage and money decisions.

To learn about financial relief, insurance rebates, billing flexibility and other relief efforts offered by insurance and personal finance companies, read our COVID-19 insurance relief guide. You can also use our Covid-19 rebate calculator to figure out how much money these efforts can help you save on your auto insurance premiums during this unprecedented time.

Why is using the best way to save? is Canada's premier destination for the best rates. We compare quotes from over 30 top brokers and financial institutions in Canada to find you the right coverage at the best price. Access to these quotes is just a few clicks away!

There is a reason people trust to find the cheapest car insurance quotes in Canada. We make insurance transparent, simpler, and better. This means we will match you with rates tailored to your needs and driving lifestyle, always allowing you to make your final, educated decision with the most relevant information that is made available to you, every step of your way.


How to get your auto insurance quotes

Ready to compare quotes and save?

How to get car insurance step 1.png

1. Tell us about your vehicle

Answer a few basic questions about your driving & car insurance history.

How to get car insurance step 2.png

2. Compare your quotes

See quotes from 30+ insurance companies side by side.

How to get car insurance step 3.png

3. Choose the right coverage

Find the right protection for your vehicle.

How to get car insurance step 4.png

4. Secure your rate

Connect with the provider and secure your rate.

Get Quotes

Who has the cheapest car insurance?

Who has the cheapest car insurance? provides rates from Canada’s most well-known and trusted insurance companies! By providing quotes from such a broad range of insurance partners across multiple product lines, we are able to help consumers find their cheapest insurance rates.

We work closely with our insurance partners to make sure what we do is impactful, and to provide you with the best insurance products at affordable prices so that you can always rely on the best. shops with up to 30 of the top insurance companies in Canada. These include Aviva, Wawanesa, Jevco, Economical, Intact, RBC Insurance, and Echelon, among many others.

+ Expand

How do I get the best insurance rates?

How do I get the best insurance rates?

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!

+ Expand

Car insurance in Canada: A national picture

Car insurance varies significantly between provinces. Saskatchewan, Manitoba and British Columbia are operated by the provincial government, while the rest of Canada offers insurance through private insurance companies (Quebec is the only province that uses a mix of both).

In each province and territory, there is a minimum level of auto insurance required. Basic coverage typically features a minimum of $200,000 in third-party liability, covering medical expenses and property damage caused by the insured. Quebec drivers need just $50,000 while Nova Scotia drivers need $500,000. Average rates also vary. According to the Insurance Bureau of Canada, British Columbia has the highest average auto insurance rate in Canada averaging $1,832 per year, with Ontario and Alberta following behind averaging $1,505 and $1,316 respectively.

Province or Territory Mandatory Minimum Liability Mandatory Minimum Coverage Average Premiums in 2018 Average Premiums in 2019
Alberta Third party liability $200,000 Accident benefits $1,251 $1,316
British Columbia Third party liability $200,000 Accident benefits, Uninsured automobile protection $1,680 $1,832
Manitoba Third party liability $200,000 All perils (collision, comprehensive), Personal injury, Hit and run, Inverse liability protection $1,080 $1,080*
New Brunswick Third party liability $200,000 Accident benefits, Uninsured automobile protection, Direct Compensation – Property damage $819 $867
Newfoundland & Labrador Third party liability $200,000 Uninsured automobile protection $1,132 $1,168
Northwest Territories Third party liability $200,000 Property damage, personal injury $978 N/A
Nova Scotia Third party liability $500,000 Accident benefits, Uninsured automobile protection, Direct Compensation – Property damage $842 $891
Nunavut Third party liability $200,000 Property damage, Personal injury $963 N/A
Ontario Third party liability $200,000 Accident benefits, Direct Compensation – Property damage, Uninsured automobile protection $1,445 $1,505
Prince Edward Island Third party liability $200,000 Accident benefits, Uninsured automobile protection, Direct Compensation – Property damage $796 $816
Quebec Third party liability $50,000 Accident benefits, Property damage $661* $717
Saskatchewan Third party liability $200,000 Property damage, Personal injury $936* $1,235
Yukon Territories Third party liability $200,000 Property damage, Personal injury, $812 N/A

Average insurance premium numbers are according to data released by the Insurance Bureau of Canada press releases in July 2018 and August 2019 respectively.

* Previous year's average

Frequently Asked Questions about Car Insurance

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 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

Intact Insurance Company
per year
Aviva Agency
per year
SGI Canada
per year
Royal & SunAlliance
per year
Range of quotes $487
SGI Canada
per year
Desjardins General Insurance
per year
Aviva Agency
per year
per year
Range of quotes $3349
Aviva Product (S&Y)
per year
CAA Insurance
per year
Chieftain Insurance
per year
Dominion of Canada
per year
Range of quotes $173
CAA Insurance
per year
Economical Mutual
per year
Chieftain Insurance
per year
Zenith Insurance
per year
Range of quotes $816
Updated May 29, 2020

Latest Articles

How to Care for Your Car When You’re Driving Less

Vehicles are meant to be driven. Whether your vehicle is sitting in the driveway or stored in a garage, there ... Read more

Bank of Canada Rate Outlook: June 3

Next Wednesday, the Bank of Canada has its first rate meeting since April—and for the first time led by its ... Read more

How Can Seniors Save Money on Car Insurance?

Many car insurance companies offer discounts and reduced premiums for drivers over the age of 60 since they are more ... Read more

How to Avoid a Fatal Auto Accident

A fatal car crash can happen to anyone. Safe driving habits and preparation can help you steer clear of one. Read more