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How much does car insurance cost in Kitchener in 2026?
In 2026, the average car insurance premium in Kitchener is $2,203 per year (about $184 per month). Premiums in Kitchener are 16.96% lower than the provincial average of $2,653. This makes Kitchener 130th out of 181 Ontario communities for car insurance affordability.
How Rates.ca finds the average car insurance premium
Rates.ca’s Auto Insuramap is an interactive map that shows how car insurance rates compare across Ontario’s forward sortation areas (FSA).
The estimated premiums for each FSA are based on the average of the three lowest premiums quoted. These quotes were acquired from Rates.ca using a specific driver profile: a 40-year-old male driver with 16 years of continuous insurance history, driving a four-door Honda Civic that is approximately five years old at the time of quoting.
Very young men tend to pay more for car insurance than young women. We made our driver persona 40-years-old because the differences in premiums for men and women tend to resolve by then. We also made it male to avoid understating the premiums.
From there, we matched the FSAs to their corresponding city, town, or community, along with the number of quotes we received from real Rates.ca users in that area. The average premium for each municipality was weighted based on the number of quotes.
The estimated premium for all of Ontario was calculated by averaging the municipal averages.
Key numbers: Kitchener car insurance
- Drivers in Kitchener pay an average of $184 per month and $2,203 per year for car insurance.
- Kitchener is 130th out of 181 Ontario communities for car insurance affordability.
- Rates vary by postal code within Kitchener. Premiums are lowest in N2A at $2,083 and highest in N2R at $2,313.
- After years of increases, premiums are stabilizing — now is a good time to shop around and compare quotes.
As of March 2026
Changes coming to Ontario car insurance in 2026
Car insurance prices in Ontario will continue rising in 2026, but not as sharply as they did in 2023. Still, many drivers may notice higher premiums when their policies renew this year.
- Factors like increasing healthcare costs, cars being more high-tech, and auto theft are leading to higher insurance claims payouts. Insurance companies have raised premiums to cover these costs.
- On July 1, new rules will also change how accident benefits work in Ontario. Some benefits that used to be included automatically will now become optional.
- If you get a new policy after July 1, many accident benefits will not be included unless you ask for them.
- Choosing to do away with the newly optional accident benefits may save up to 5%, but you could lose access to tens of thousands of dollars in critical benefits.
- With the cost of everything rising, it can be tempting to cut down on coverage. Comparing car insurance quotes can help you save without giving up protection.
Kitchener auto insurance rates compared to Ontario’s largest cities
Where you live plays a large role in what you pay for car insurance. For instance, average premiums in Toronto are $3,168 per year, representing a $965 (43.82%) difference compared to what drivers typically pay in Kitchener, which is about $2,203 per year.
In general, car insurance costs tend to be highest in large, dense urban centres like Toronto, where higher traffic volumes, congestion, and claims frequency increase risk for insurers.
As you move farther from major population hubs, premiums often decrease — a pattern that helps explain why mid‑sized cities such as London typically have lower average rates than Toronto, but still higher premiums than smaller or less densely populated communities.
Some cities, such as Ottawa, can buck this trend due to unique local factors, including higher vehicle theft rates, regional driving patterns, or claims experience that differs from other cities of a similar size.
Overall, Kitchener pricing reflects a fundamental concept in auto insurance: premiums are closely tied to localized risk.
Compared with Ontario’s largest and most congested cities, smaller places like Kitchener tend to benefit from lower traffic density and fewer high‑severity claims, which can translate into more moderate insurance costs.
Kitchener vs. Ontario’s largest cities: average car insurance rates (2026)
| Rank | City | Monthly premium | Annual premium |
|---|---|---|---|
| 1 | Ottawa | $173 | $2,071 |
| 2 | Kitchener | $184 | $2,203 |
| 3 | London | $201 | $2,407 |
| 4 | Hamilton | $205 | $2,457 |
| 5 | Toronto | $264 | $3,168 |
Ontario average premium: $2,653
Updated March 2026
Kitchener car insurance rates by postal code
The lowest average premium in Kitchener is found in the N2A area, where drivers pay $2,083 annually. Meanwhile, drivers in N2R have the highest average premiums at $2,313 per year.
Car insurance rates in Kitchener vary by postal code. Differences in neighbourhood characteristics — such as claims frequency, collision rates, theft patterns, and traffic density — influence what drivers in any given area pay, since insurers use these factors to predict how likely customers will be to file a claim.
Kitchener car insurance: average premiums by postal code (2026)
| Rank | Postal code | Annual premium | Monthly premium |
|---|---|---|---|
| 1 | N2A | $2,083 | $174 |
| 1 | N2B | $2,083 | $174 |
| 3 | N2N | $2,112 | $176 |
| 4 | N2E | $2,206 | $184 |
| 4 | N2P | $2,206 | $184 |
| 6 | N2C | $2,243 | $187 |
| 6 | N2H | $2,243 | $187 |
| 6 | N2G | $2,243 | $187 |
| 6 | N2M | $2,243 | $187 |
| 10 | N2R | $2,313 | $193 |
Why we don't show complete postal codes
The first three characters of your postal code signfy the forward sortation area (FSA). An FSA covers a specific geographic region used to sort and deliver mail. Each FSA contains multiple postal codes.
Auto insurers also use FSAs to understand risk in an area. For example, if an FSA has more accidents or vehicle thefts than average, insurers may see that area as higher risk. This can lead to higher insurance premiums for people who live there.
We look at premiums at the FSA level because it shows clearer, more reliable pricing patterns. Since each FSA contains many postal codes, using the whole FSA helps smooth out small differences between individual addresses and gives a more accurate view of trends in your area.
Recent auto insurance quotes in Kitchener-Waterloo
Recent auto Insurance Quote from Kitchener, Ontario
Male, 31 years old
2008 DODGE/RAM RAM 1500 SLT QUAD CAB 4WD
June 04, 2026
Cheapest Quote
$ 101 / month
$ 1,217 / yearAverage Quote
$ 184 / month
$ 2,203 / yearSavings
$ 82 / month
$ 986 / year
45 %
Recent auto Insurance Quote from Kitchener, Ontario
Male, 31 years old
2024 DODGE/RAM HORNET GT 4DR AWD
June 04, 2026
Cheapest Quote
$ 318 / month
$ 3,815 / yearAverage Quote
$ 444 / month
$ 5,326 / yearSavings
$ 126 / month
$ 1,511 / year
28 %
Recent auto Insurance Quote from Kitchener, Ontario
Male, 25 years old
2013 HYUNDAI VELOSTER TURBO 3DR HATCHBACK
June 04, 2026
Cheapest Quote
$ 142 / month
$ 1,699 / yearAverage Quote
$ 197 / month
$ 2,365 / yearSavings
$ 56 / month
$ 666 / year
28 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company
The best car insurance companies of 2026
Drivers should always compare multiple quotes to find the best policy for their needs, and that doesn’t always mean the lowest-priced premium. Instead, a great rate should provide value and quality, with attentive customer service, an easy claims process, and personalized policy offerings.
The Rates.ca Annual Best Auto Insurance Study surveyed 14,676 auto insurance customers in Ontario about their experiences with Canada’s top auto insurance providers. These customers are from five major insurance brokerages that collectively serve more than 220,000 personal line customers.
Customers were asked about their satisfaction levels across multiple categories, from claims processing to ease of communication, as well as coverage options and overall trustworthiness.
Here are the top-ranking auto insurance companies in 2026.
Rates.ca Annual Best Auto Insurance Study 2026
CAA Insurance Company
About the winner
CAA Insurance Company ranks as the top insurer for the third year in a row, also placing first in: Most Trustworthy, Best Product & Value, and Best Communication & Clarity.
Customers praise its low rates and strong claims service. Many use its recommended repair shops.
Its products address real needs, like MyPace, which rewards low-mileage drivers skeptical of traditional usage-based insurance.
Key takeaways
- CAA Insurance leads the market with strong customer satisfaction.
- Competitive rates are the top reason customers choose it.
- The company scores highly for product value, meeting customer needs, and policy innovation.
- It also excels in communication clarity, with nearly all respondents satisfied with their policy documents and over half reporting they are very satisfied.
Intact Insurance
About the winner
Intact Insurance achieved outstanding scores for its claims process. Customers find Intact reps easy to reach, knowledgeable, and proactive. The vast majority report quick claims resolutions.
Over half of customers bypassed their broker and went straight to Intact, underscoring its reputation for hassle-free service.
Of all insurers, Intact Insurance customers are also the most likely to use the company’s app for updates.
Key takeaways
- Intact Insurance is a trustworthy brand, according to the majority of customers surveyed.
- Top-ranked for ease of its claims process; customers say it’s clearly outlined and that reps are helpful.
- Quick claims handling drives satisfaction, with nearly two-thirds of those very satisfied.
- Intact Insurance customers are more likely to reach out directly than calling their broker.
Northbridge Insurance
About the winner
Northbridge Insurance promises quick support: calls are answered within 20 seconds, and an adjuster follows up within three hours.
This speed and efficiency helped drivers rank it among Canada’s best car insurers.
It earns strong marks for claims experience, and customers say it delivers solid value for the premiums they pay without compromising service.
Key takeaways
- Northbridge Insurance is a trustworthy brand according to survey respondents.
- Earned top marks for claims experience across virtually all aspects of the claims process
- Ease of claims handling and expert representatives are key strengths for Northbridge Insurance.
- High ratings for product offerings and overall value.
How we got our ranking
To properly evaluate how great an insurance company is, you have to look way beyond online reviews. In collaboration with Pollara Strategic Insights, we surveyed 14,676 drivers in Ontario about their interactions with their insurers and specific experiences when filing claims to capture new trends and evolving expectations.
According to our methodology, we also asked them to rate their satisfaction with their insurance companies across a few critical areas, including: brand trustworthiness, claims experience, communication, products and billing.
This year, we also expanded the field and allowed insurers to rank for the following titles:
- Best Overall
- Most Trustworthy
- Best Auto Claim Experience
- Best Product & Value
- Best Communication & Clarity
To find the best overall scores, we took the scores for each survey category and weighted averages based on customer demographics, brokerage and insurance carrier.
Mandatory and optional car insurance in Kitchener
| Protection type & status | Coverage details & risks |
|---|---|
| Third-party liability [MANDATORY] | $200,000 minimum in coverage is required. Provides coverage in the event of a lawsuit resulting from an accident where you are at fault. Ontario drivers are encouraged to buy at least $1M in third-party liability insurance. |
| Accident benefits: Basic medical & rehab [MANDATORY] | Provides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren’t covered by OHIP. |
| Accident benefits: Income & family support [OPTIONAL] | Replaces lost wages, caregiver costs, and funeral expenses. After July 1, 2026, this coverage is no longer included by default on new policies; you must actively opt-in to keep your income safety net. Renewing policies will keep this coverage. |
| Uninsured automobile [MANDATORY] | Provides up to $200,000 in coverage if you are injured or killed by an uninsured driver, or if your vehicle is damaged as a result of a hit-and-run by an unidentified, uninsured motorist. |
Direct compensation property damage [OPTIONAL] | DCPD is a standard coverage. It covers damage to your car, or loss of use of your vehicle, if someone else is at fault. DCPD is automatically included in all policies, but an insurance professional can remove it using form OPCF 49. Insurance experts, as well as the Ontario regulator, warn against this. |
| Collision [ADD-ON] | Covers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property. Usually required for leased vehicles. |
| Comprehensive [ADD-ON] | Covers damages caused by named perils identified under the specified perils coverage, as well as losses from other perils like falling or flying objects, theft, fire, hail, windstorms, missiles, and vandalism. Usually required for leased vehicles. |
| Specified perils [ADD-ON] | Covers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and also other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc. |
| All-perils [ADD-ON] | Combines collision/upset and comprehensive coverage. Also provides additional protection if a household member or an employee steals your vehicle. |
| OPCF 20: Replacement vehicle [ADD-ON] | Covers the cost of your transportation replacement and rental car insurance if you were to get into a car accident or if your vehicle is stolen. |
| OPCF 27: Rental car liability [ADD-ON] | Covers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000. |
| OPCF 39: Accident forgiveness [ADD-ON] | Protect your premium from rising when you have your first at-fault accident. |
| OPCF 43: Depreciation waiver [ADD-ON] | Protects you by removing your insurer's right to deduct depreciation from the value of your vehicle when settling a claim. This coverage is for new vehicles with fewer than 5,000 kilometres. |
| OPCF 44R: Family protection [ADD-ON] | Increases your coverage if you're injured or killed in a collision involving an underinsured, uninsured, or unidentified driver. This coverage also applies if you or a family member is injured as a passenger, pedestrian, or cyclist. |
| OPCF 49: DCPD opt-out [ADD-ON] | Removes DCPD coverage from your insurance policy. |
| Legend | Essential: Critical coverage you should always have, with few exceptions Caution: Think carefully before removing Optimal: Useful add-on |
Your car insurance premium is affected by many factors. We've shortlisted the ones that have the most impact.
Driving record
The longer you've been licensed — and steered clear of driving convictions — the cheaper your car insurance will be. The groups paying the most for insurance are those with limited experience and those with checkered driving and insurance histories. What counts as a good driving and insurance history? It means you haven't been convicted of speeding, driving under the influence, or driving without a licence. Driving convictions stay on your record for about six years. Fear not; parking tickets don't count because they're not considered a moving violation.
Insurance history
Being a long-time policyholder is great for your rate. The older you are, the more insurance companies view you as trustworthy. Unfortunately, drivers in their teens and twenties have yet to build an insurance history. They are hit with some of the highest premiums out of anyone.
Car make and model
It will cost more to insure a car with all the latest upgrades than one with entry-level trim. It's all due to repair and replacement costs. The more expensive the vehicle, the more it costs to repair or replace. But even humble models can be costly to insure due to theft. For example, in 2022, Honda CR-Vs and Accords were targeted for their catalytic converters by thieves. A global shortage of precious metals used to make converters is attributed to the increase in thefts.
Optional car insurance coverage
Purchasing more coverage than is legally required in Ontario will increase your car insurance premium. But sometimes buying more insurance is a good idea.
For example, many Ontario drivers purchase the mandatory minimum amount of liability insurance ($200,000), but experts recommend buying at least $1 million in liability since the cost to access legal counsel has increased in recent years. Increasing your accident benefits is also a sound investment, as medical costs have also risen.
If you're looking for areas to cut back, consider whether you need collision or comprehensive insurance. Unless your car is financed or leased, or its model year is less than three years old, it might be cost-effective to pay for repairs or a replacement out of pocket. An insurance professional can help you slim down your policy responsibly.
Neighbourhood
Insurance companies rate drivers based on territory and rely on forward sortation areas (FSA) to define the boundaries. An FSA is the first three letters of your postal code.
Your premium is affected by the other policyholders that reside in the same FSA. Suppose many of your neighbours are filing insurance claims. In that case, your rate could be negatively impacted, even if you didn't do anything wrong yourself. If the opposite is true, your premium will be cheaper.
Tips to get cheap car insurance in Kitchener
- Compare quotes - The Ontario and federal governments recommend comparison shopping before committing to a car insurance company. Rates comparison websites like ours have made it easier to follow that advice. Enter your postal code, and we'll source quotes from the leading insurance companies serving Kitchener in less than three minutes.
- Increase your deductible - Insurance companies make you pay a deductible if you claim certain coverages. A deductible is an amount you pay before your insurer pays the rest of your benefit. Deductibles are supposed to deter people from filing a claim (or to incentivize better driving habits, depending on how you look at it). By offering to pay a larger deductible, you're offering to take on more risk, which makes you look more trustworthy in the eyes of your provider. They'll lower your premium in return.
- Buy an appropriate amount of insurance - Buying more liability and accident insurance is a wise move. Still, there are other coverage types that you can afford to chuck. Talk to an insurance professional about whether you need comprehensive or collision insurance. Neither of these coverages is considered necessary for cars over five years old; it's often cheaper to pay for out-of-pocket repairs. However, you might be required to have this type of coverage if you're leasing or financing a vehicle (getting rid of them would violate your contract).
- Drive less - Consider substituting some trips with public transportation. The less often you use your car, the less it will cost to insure. With so many people working remotely, acting on this advice is easier than ever. If your workplace has transitioned to full or part-time remote work and you still need to tell your insurance company, make sure you do. It could help reduce your premium.
- Bundle home and auto insurance - Buying home and auto coverage with the same company, also known as bundling, will reduce your annual insurance costs by up to 15%.
- Try telematics - Telematics programs are now available in Ontario. Telematics refers to technology that insurers use to monitor your driving habits. These include how hard you brake, your average speed, the time of day you drive most, and the number of kilometres you log. Being a good driver could reduce your car insurance by up to 25% when it renews. Just be aware that insurers can use the data to justify raising your premium.
- Pay upfront - Insurance companies offer discounts to policyholders who pay their annual premiums upfront at renewal — a small gesture for helping them lower their administrative costs.
- Apply for discounts - You can get a discount for being an alumnus of a post-secondary institution or for your association with a professional organization or union. Some insurers have discount programs for high school and post-secondary students that reward them for maintaining a solid grade point average.
- Avoid additional drivers - Adding a secondary driver to your vehicle will raise your premium. If a household member uses the car occasionally, consider delisting them as a secondary driver.
- Buy an endorsement - Endorsements are optional car insurance coverages that amend the terms of your insurance policy. Some endorsements can lower your premium by reducing your coverage in some areas. For example, you can waive coverage for glass repair in exchange for a lower premium. Talk to an insurance professional about whether this tactic suits your needs.
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Frequently asked questions about Kitchener car insurance
Have more questions about Kitchener car insurance? We have answers.
Which company has the cheapest car insurance in Kitchener?
No insurance company offers flat-rate insurance. Premiums are determined by how much risk an individual within a particular geographic territory presents.
That means the price offered to you by one company could be vastly different from what your friends and family pay. The best way to find out which company offers the cheapest rate is to compare quotes from multiple companies.
What are the best car insurance companies in Kitchener?
The answer to that question will be different for everyone. Car insurance is an entirely different animal compared to other goods and services. Compare car insurance companies to see which can offer enough protection at the lowest price.
Can I get month-to-month car insurance in Kitchener?
Unlike pay-as-you-go phone plans, month-to-month car insurance doesn't exist in Ontario. Insurance companies require a one-year commitment in return for coverage. Some insurers offer terms of six months, but they're few and far between.
You could purchase a one-year insurance policy and terminate it when you stop needing it. You will be charged a fee for doing so, but usually isn't too stiff.
Another alternative is usage-based insurance. It's a relatively new product in Canada that's best suited for low-mileage drivers. Here's how it works: you pay a base rate and a set number of kilometres (usually 1,000 kms) and then pay extra for every additional 1,000 km you drive. Installing a device that monitors your car usage is a requirement.
You could also purchase an endorsement that allows you to pause your coverage if you store your car. It’s known as OPCF16, Suspension of Coverage.
How do I get car insurance as a new driver in Kitchener?
The same way any other driver would. The traditional approach for obtaining insurance is to go to an insurance agent or broker.
Now, you can compare multiple insurance companies and brokerages in one go using a rates comparison site like Rates.ca.
New drivers, regardless of age, can expect to be charged higher than average premiums, making shopping around even more critical. Inexperienced drivers may pay the most, but our quote data shows they stand to find the most significant savings of any group.
Start a quote on Rates.ca and see which company or broker offers your lowest rate.
Is ride-sharing insurance available in Kitchener?
Yes, ride-sharing insurance is available throughout Ontario. The largest rideshare companies offer insurance to drivers. For example, Uber provides drivers rideshare insurance, which is underwritten by Economical insurance. If you're with another insurer, don't worry; ride-sharing insurance won't conflict with your personal policy. Rideshare platforms have partnered with insurers to provide commercial insurance coverage from the moment you turn the app to when you turn it off. When you log off, your personal insurance applies.
The Financial Services Regulatory Authority of Ontario (FSRA) maintains a list of all the recognized rideshare apps and the insurance companies that underwrite their driver policies:
- Facedrive – Northbridge General Insurance Corporation
- Lyft – Aviva Insurance Company of Canada
- RideCo – Northbridge General Insurance Corporation
- Uber – Economical Mutual Insurance Company
- Uride – Northbridge General Insurance Corporation
- NRT OnDemand – Hartford Fire Insurance Company of Canada
- Zoom Innovations Inc. – Northbridge General Insurance Corporation
- Y Drive - Northbridge General Insurance Company
- M Ride Inc. - Northbridge General Insurance Company
Why is car insurance expensive in Kitchener?
Car insurance is quite affordable in Kitchener compared to the average premiums in the Greater Toronto Area. However, prices will likely rise in the coming years, but likely at a different rate than other cities like Vaughan or Brampton.
Due to a growing downtown core and a thriving tech-focused job market, many young professionals rely on their cars to get to work. When roads get busier, commute times increase — and so do the chances of getting into accidents or a fender bender. All of these factors eventually lead to car insurance rate increases. Drivers in Kitchener-Waterloo can save big on auto insurance simply by shopping around. The Financial Services Regulatory Authority of Ontario (FSRA) recommends getting multiple quotes from different companies to save on auto insurance.
Why are Kitchener-Waterloo roads getting so busy?
Kitchener is the fourth largest city in Ontario. An estimated 522,888 people lived and worked in Kitchener, according to the 2021 census, representing an increase of 10.5% since 2016. The Region of Waterloo is renowned for its universities and colleges like the University of Waterloo, Wilfrid Laurier University, and Conestoga College. The region is also home to a buzzing tech scene. Tech and software companies like Google, Electronic Arts, Blackberry, and Open Text, to name a few, have headquarters there. In addition, a significantly lower cost of living has made Kitchener a desirable city.
These reasons contribute to more vehicles on Kitchener's streets and, in some cases, higher insurance premiums. Compare quotes today to find out if you could get a better deal on your KW car insurance.
What discounts are available for drivers in Kitchener-Waterloo?
The best way to keep your insurance costs low is to maintain a clean driving record, free of traffic tickets and claims. Of course, there are other ways to lower car insurance rates.
- Consider insuring all the vehicles in your household together.
- If you have home insurance, consider purchasing car insurance from the same insurer for a multi-line discount.
- Take advantage of low mileage discounts.
- Think about dropping collision or comprehensive coverage on older cars.
- Install an anti-theft device in your vehicle.
- Take an accredited ministry-approved driver’s education course.
- Increase your deductible amount.
- Take advantage of alumni discounts
- Ask the insurance company about their list of discounts you might be eligible for.
Can I save money on car insurance by using public transit?
Yes, use public transit whenever possible. Commuting via transit can save you money on your car insurance, as the less you drive, the more you save. Commuting happens when roads are busiest, increasing your likelihood of being in an accident. Thankfully, you have options in Kitchener.
The Grand River Transit serves Kitchener, Cambridge, and Waterloo. There is also daily GO bus and train service to Toronto. The ION light rail service starts at Conestoga station in Waterloo and ends at Fairway station in Kitchener, with 19 stops along the route. Shave some bucks off your car insurance by switching your commute to public transit.
Kitchener car insurance rules and regulations you need to know
Kitchener operates under a limited no-fault auto insurance system. It means your insurance provider pays any benefits you're entitled to; you don't have to sue another driver to get compensation for basic benefits. In most cases, the most contact you'll have with the other party is immediately after a collision, when you exchange insurance information.
The no-fault system also entitles you to financial help even if you caused the accident.
Ontario adopted the no-fault system in the '90s. The previous system was tort-based, which meant injured drivers had to sue for financial damages. The process was slow, inefficient, and expensive.
In pure no-fault systems, injured drivers don't have the right to sue for additional damages on top of their claim payment.
Ontario's limited no-fault system allows drivers to sue for damages like pain, suffering, and economic loss. Still, you must prove that the harm exceeds a financial threshold (about $5,000).
No-fault doesn't mean you won't be held responsible for causing an accident.
The Ontario Insurance Act outlines dozens of collision scenarios to determine which driver was at fault.
Penalties for being at-fault range from premium increases to having your coverage cancelled.
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Alexandra Bosanac, Content Manager
Alexandra Bosanac has been a content manager for Rates.ca since 2021, specializing in auto insurance. She began covering auto insurance in 2017. Alexandra has a bachelor's degree in journalism from Toronto Metropolitan University. Before joining the Rates.ca editorial team, she reported for the Canadian Business, the Toronto Star, the National Post, and the CBC.
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Disclaimers
*More than 50% of Rates.ca users in Ontario who obtained an auto insurance quote from January to December 2025 saw savings ranging from $250 to $1,050, with an average savings of $583.87. The average savings amount represents the difference between the users’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by Rates.ca.
**The Registered Insurance Brokers of Ontario (RIBO) is the self-regulatory organization in charge of overseeing insurance brokers working in the province. Its mandate is to protect the public by ensuring that brokers meet provincial standards for licensing, professional competence, and ethical conduct. It maintains a public database of registered brokers, which displays a broker's licensing status and their standing within RIBO.