TORONTO CAR INSURANCE
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Toronto drivers can save an average of $300 on insurance with BIG.
Looking for Affordable Car Insurance in Toronto?
As Canada’s most populated city, Toronto is home to a healthy mix of new and experienced drivers. With so many people sharing its busy roadways, securing the best car insurance in Toronto is a must. The amount you can expect to pay depends on a variety of factors. However, so many options are available, so choosing the right insurance coverage at a price that makes sense can be a tough decision.
If you need auto insurance in Toronto, a BIG Broker will help you find a policy that provides you with the best coverage and saves you money in the process. Once you have a policy in place, you can enjoy peace of mind during your daily commute down Yonge Street or when you hop on the 401 to head out on a road trip with your family.
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Provide details like your postal code, the make and model of your vehicle, and your driving history to receive the best car insurance quotes in Toronto in just 3 minutes!
Personalize Your Protection
A BIG car insurance broker in Toronto will contact you to determine your needs and tailor the best coverage, deductibles, and limits for your situation.
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Receive and sign your digital insurance application on your phone or computer to secure your coverage so you can hit the roads of Toronto with peace of mind.
Find a Toronto Insurance Brokerage Near You
East York
3-1033 Pape Avenue,
Toronto, ON M4K 3W1
York
2100 Lawrence Ave W, Unit 202A
York, ON M9N 3W3
North York
300-200 Consumers Road
Toronto, ON M2J 4R4
Common Questions About Auto Insurance in Toronto
The price of auto insurance in Toronto depends on many factors and details that are unique to you. This includes:
- Your age, gender, marital status, address
- How long you have been licensed and insured
- If you have any recent claims, cancellations, tickets, or suspensions
- The age and type of car you drive and any safety features it has
- How often and far you intend to drive
As a driver in Toronto, you are legally required to purchase auto insurance. Having a policy in place will ensure that you, other motorists, and pedestrians are financially and medically covered in the event of an accident. While a minimum amount of coverage is required, you can also opt in for additional protection if your situation calls for it.
Car insurance quotes in Toronto are some of the most expensive in Ontario. With its large population, it is home to many people and draws in plenty of tourists and visitors who spend time in the city. With more cars on its roads compared to neighbouring cities, there is an increased chance of accidents and the need to file a claim.
Despite these factors, the driver plays a major role in determining the cost of insurance. Having a clean record, parking your car in a private garage, and living in an area with a low crime rate can positively impact your auto insurance premium.
You can request and compare quotes directly on our website. In just 3 minutes, you’ll be able to review the best offers for auto insurance. It’s that simple!
Requesting a quote before you purchase a car will help you better understand its additional costs. This way, you can review the most affordable car insurance quotes in Toronto and make an informed decision before buying the car.
Here is what is required to get a quote for car insurance in Toronto:
- Your postal code
- Vehicle information:
- Year, make, and model
- If you have winter tires
- If it’s leased, financed, or owned
- Commute distance and annual kilometres
- The coverage you want
- Driver information:
- Your name, gender, marital status, and birthdate
- Class of license
- License dates for your G1, G2, and G (be as accurate as possible)
- Number of years insured
- Number of years with your current insurance company
- Any claims, tickets, license suspensions
- Any insurance cancellations
- Your contact information so our Burlington car insurance brokers can reach you
You can reduce the cost of your car insurance in Toronto in many ways. Keep in mind that while lower premiums might benefit your current financial situation, paying less for car insurance might also mean you have less coverage. Without sufficient protection, you might be on the hook to pay for repairs or a rental car while your vehicle is being worked on. That said, BIG has the most competitive prices out there and can save you hundreds of dollars on your insurance.
Here are some of the most popular ways to save on auto insurance:
- Consult an insurance broker
- Bundle your home and auto insurance together
- Install winter tires on your car
- Practice safe driving
- Limit the amount you drive
In just 3 minutes, you can review the best quotes available for you. Once you’ve selected a policy, we’ll process your paperwork and have you sign before you can officially hit the roads.
How are Rates for Auto Insurance in Toronto Calculated?
Several details are taken into consideration when calculating insurance premiums. While you can control some of these factors, others are more or less set in stone. At the end of the day, the insurance price is determined based on the amount of risk you carry. That’s why consulting an insurance broker is a great idea. Be sure to provide honest, accurate information when requesting a quote for auto insurance in Toronto so you can receive sufficient coverage.
Your neighbourhood will play a big part in determining your rates. If you live in an area with higher levels of theft and vandalism, you will experience increased premiums. If someone were to steal or damage your vehicle, it could result in your provider paying out a large sum of money for your claim. However, if you live in a safer area like a gated community, you are less likely to run into this type of situation, and your rates will reflect that.
Factors such as age, gender, and marital status influence car insurance costs. Younger drivers tend to face higher insurance costs due to their limited experience. Male drivers often incur higher premiums than females, as they are statistically associated with more risk-taking behaviours, aggressive driving, and a higher frequency of accidents. Certain insurance providers may offer specific rates for non-binary individuals, contingent upon having "Gender X" specified on their driver's license. Being married can also positively impact insurance costs as this typically indicates someone with more responsibilities and dependents, thus resulting in safer driving.
Generally speaking, having more experience behind the wheel makes you less of a risk to insure. If you can avoid traffic tickets for speeding, running a stop sign, or driving while intoxicated and can present a clean driving record, auto insurance providers are more inclined to reward you with a better rate.
Similar to how tickets and traffic violations influence the price of car insurance in Toronto, insurance claims where you are considered to be at fault influence rates. If you were not considered to be at fault, then there is less to worry about, as these typically don’t affect rates. Should you have a history of multiple claims or accidents, there is a good chance that your policy includes a higher deductible.
The type of car you own is also reviewed when determining Toronto vehicle insurance rates. Insurance providers will consider things like the cost of replacing or fixing parts, its risk of theft, and any safety features and ratings it possesses. Since every car is unique, prices will vary on a case-by-case basis.
How many people will be using this car? Will you be commuting long distances to work every day? Do you use your vehicle as part of your job? Or do you seldom drive and only need your car now and then? These are all questions that insurers will ask regarding your vehicle’s usage. Depending on your answers, you might be eligible to save or could pay more to insure your car.
In Ontario, mandatory coverage comprises Liability, Uninsured Motorist, and Accident Benefits. That said, if you consult a BIG broker, you can review a variety of options and add-ons. From selecting deductibles for collision and comprehensive coverage to adding features like rental car coverage or accident forgiveness, you can tailor a policy that best suits your vehicle and circumstances.
How Can I Save on Car Insurance in Toronto?
Finding a great deal on car insurance in Toronto without compromising coverage is a real possibility! If you want to enjoy worry-free driving as you visit friends in Rosedale or head downtown to catch the game at Scotiabank Arena, these tips will help!
Consult a BIG Car Insurance Broker in Toronto
Leverage the expertise of a Toronto car insurance broker to discover the BIG difference! With access to multiple insurance companies and rates, they will present you with the most competitive options tailored to your situation. Contact a BIG Toronto branch and compare your Toronto auto insurance quotes today.
Combine Your Home and Auto Policies for Extra Savings
To secure affordable car insurance in Toronto, consolidate your home and auto policies into one policy with the same insurance provider. Taking this proactive approach could help you save up to 20%!
Install Winter Tires
Install winter tires on your car to navigate Toronto’s ice, snow, and slush with ease and earn a discount on your auto insurance. Not only will you benefit from reduced premiums, but you'll also enhance your vehicle's performance on slippery streets.
Maintain a Safe Driving Record
Safe drivers are rewarded for their efforts! Simply follow the rules of the road and keep your record clean, and you could save up to 30% on your car insurance through a telematics program.
Inquire About Discounts
There are many discounts available in the world of insurance. Do you have a separate policy from your partner? Combine policies for a multi-vehicle discount! Have you completed driver training? Enjoy additional savings! Retirees, good students, experienced drivers, and electric car owners can all save as well. Consult with a BIG broker to explore potential discounts tailored to your circumstances.
Reduce Your Mileage
Are you able to get around without having to always rely on your car? Could you use the TTC, Go Train, or ridesharing more often? You still might need your car from time to time, but if you know that you can get from Point A to B without a car more often than not, let your broker know. The less you drive, the less you can expect to pay on insurance.
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