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5 Best Car Insurance Providers in Toronto to Protect You on the Road

  • Range of Services - To cater to different auto insurance needs, we looked for companies with various coverage selections and add-ons.
  • Discounts and Offers - To give clients money-saving opportunities, we checked for companies offering bundle options and discounts, like bundling home and auto insurance.
  • Reputation - We checked the provider's local reputation to ensure they can be trusted to ensure clients are financially protected.
  • Accessibility - We based this on the availability and track record of good customer service for smooth transactions.

Driving in Ontario requires us all to have insurance. But the thing is, not all insurance companies are built the same—some are good and some…not so much.

I’ve been driving for a long time, and I’ve also come across providers who didn’t have my best interests in mind. But I’m wiser now. I know how to choose the best car insurance that can give me the best rates.

As drivers, we should come together and help each other—I mean, we’re all on the road together, anyway! Auto insurance is very important, so I’m sharing our trusted providers in Toronto so you always have the protection you need every minute you’re on the road!

1. ThinkInsure

thinkinsure

Services: Auto insurance, classic car insurance, motorcycle insurance, home insurance, commercial insurance, boat insurance, RV insurance, etc.

Location: 5700 Yonge St Suite 1900

Contact: 1-855-550-5515

Business Hours: 

  • Monday – Saturday: 8 am – 6 pm

Website

Google reviews score4.7/5
Total reviews4/5
Score consistency4/5
Range of services5/5
Discounts and offers5/5
Reputation5/5
Accessibility4/5
Hours5/5
Communication3/5

One of our car insurance provider picks is ThinkInsure because they’ve been around for over 50 years. Impressively, they’ve had over 40,000 clients throughout the years!

They’re also a convenient broker for auto insurance. During our inquiry, we learned that they offer coverage for cars, RVs, and classic cars, making them a good choice for collectors.

As far as the prices go, we appreciate that they offer affordable rates. You can even compare their prices with other car insurance companies in Toronto so you can pick the one that suits your budget the best—this is easily done online too!

They also provide personalized coverage tailored to your needs and budget. It’s even wallet-friendly so you can bundle your car and home insurance.

Unfortunately, they took a while to respond to our inquiry, and some brokers were hard to reach. But all in all, we love that their brokers are all about looking for the best rates!

Pros

  • Over 50 years in the industry
  • Covers older cars
  • Looks for the best rates
  • Provides personalized coverage

Cons

  • A little slow with responses
  • Some brokers were hard to reach

Provides the best quotes

“Denise is THE BEST insurance broker I have had the pleasure of meeting over the phone. She got me the best quote I could have gotten, and she really took her time to explain every detail to me. She helped me get my insurance set up fast! Thank you so much Denise.”

Jevone Anthony, Google Review

Brokers are very helpful

“Neil Sullivan has been great to work with for my car insurance.  I have had a lot of insurance questions and details to work with and he has been such a kind and helpful guide.  He’s always quick to reply and easy to contact.  Thank you for making a difficult process much more approachable.  I’ll be sticking with you from now on.”

Ali Mac, Google Review

2. Square One

square-one

Services: Home insurance, car insurance, tenant insurance, condo insurance

Location: 1 Dundas St W #2500

Contact: 

Business Hours: 

  • Monday – Saturday: 8 am – 9 pm

Website

Google reviews score4.8/5
Facebook reviews score4.5/5
Total reviews5/5
Score consistency4/5
Range of services5/5
Discounts and offers4/5
Reputation5/5
Accessibility4/5
Hours5/5
Communication3/5

Square One is a handy service for Torontonians. Basically, they’re an online insurance provider, which means you can do everything online without leaving your home!

Plus, it’s super fast since there’s no need to wait in the insurance office. You can apply for your coverage and get your policy online.

However, during our research, we discovered several complaints regarding poor customer service and communication. It’s a bummer that these resulted in policy cancellations.

On a good note, we do appreciate the personalized coverage you can get, even though there aren’t a lot of discount offers. Still, you can add all the optional coverage you want besides the Ontario mandatory coverage.

You can also receive your online quote in under five minutes, where coverage is as low as $120 a month. It’s handy that you can pick annual or monthly payments based on your needs—plus, you can switch your payment information online without a broker!

Pros

  • An online insurance provider
  • Offers many optional coverage
  • Quotes are affordable
  • Easy to switch payment information

Cons

  • Reports of poor communication
  • Doesn’t offer a lot of discounts

Manages to get the best rates

“Absolutely thrilled with the service I received from Chelsea at Square One! She was incredibly pleasant to deal with, displaying a perfect blend of professionalism and friendliness. Chelsea’s knowledge about auto insurance was evident as she answered all my questions without any hesitation or doubt. She managed to get me the best auto insurance rate, which I’m very grateful for. Thank you again, Chelsea, for making this process smooth and stress-free! Highly recommend her services.”

Hicham Alibaba, Google Review

Stress-free process

“Rochelle provided outstanding service. Her extensive knowledge and exceptional customer care truly impressed me. She went above and beyond to address all my concerns, making the entire process smooth and stress-free. I am highly satisfied with this insurance company and will definitely choose them again in the future. It’s refreshing to experience such a high level of professionalism and dedication. Square one insurance is great!”

Jason Delisser, Google Review

3. belairdirect

belairdirect

Services: Home insurance, car insurance, travel insurance

Location: 700 University Ave #1100

Contact: 1-855-246-3584

Business Hours: 

  • Monday – Friday: 8 am – 8 pm
  • Saturday: 8 am – 5 pm

Website

Google reviews score4.7/5
Total reviews5/5
Score consistency4/5
Range of services5/5
Discounts and offers5/5
Reputation4/5
Accessibility3.5/5
Hours5/5
Communication2/5

Johnson Insurance is loaded with various coverage that can protect you and your wallet during your time on the road. So aside from the mandatory and standard coverage in Ontario, they also have cool offerings.

Their optional car insurance coverage includes accident forgiveness, roadside assistance, autocomfort, and new car protection. All these can assist with your road troubles, which are very convenient.

These guys also have a smart insurance app, where you can manage your policy, submit a claim, and make your payments. When we checked it out, we liked the additional features you can access, such as driving insights and crash assist.

It was a letdown when we heard complaints from some clients regarding poor communication. They mentioned slow responses and getting higher payments without notice.

But we appreciate their offers because you can get multi-vehicle and car + home insurance. These also allow you to save up to 20% on your payments!

Pros

  • Offers various optional coverage
  • Has a smart insurance app
  • Provides bundling coverage

Cons

  • Complaints about slow responses
  • Reports of increased payments without notice

Easy to talk to

“I am “rich in age” and a lot of written information does not set in my mind and I easily become overwhelmed.  When I spoke by phone to two representatives they provided all the information I needed and all my extra questions were answered with courteous and kind responses.  My wait time was very short.  I am looking forward to the transition from my previous insurance company to Belairdirect home and auto Insurance!”

Christie Rawlings, Google Review

Provides the best prices

“By far the best priced insurance, I got over 9 quotes and Belair was the best by far. I was recommended by a family member and I have recommended this company to multiple other ppl as well. Great service, app and communication”

toni mullin, Google Review

4. Leibel Insurance Group

leibel-insurance-group

Services: Auto insurance, home insurance, RV insurance, snowmobile insurance, commercial insurance, etc.

Location: 401 Bay St. Suite #1600

Contact: 416-238-8338

Business Hours: 

  • Monday – Thursday: 8:30  am – 5 pm
  • Friday: 8:30 am – 4 pm

Website

Google reviews score5/5
Total reviews2/5
Score consistency4/5
Range of services5/5
Discounts and offers5/5
Reputation5/5
Accessibility4.5/5
Hours4/5
Communication5/5

One of our top choices for insurance brokers in Toronto is Leibel Insurance Group because of their reputation. They’ve been in the business for almost four decades and have received several awards.

Their brokers are commission-free, which gives us peace of mind that they’ll find the best coverage for you without any hard sales tactics. It’s also cool that you get direct access to your broker, which means no more waiting in the office!

We were also pleased with their range of services. They offer insurance for cars (including classic cars!), trucks, RVs, motorhomes, boats, and snowmobiles.

Their bundle coverage also offers maximum discounts, which we like because you can save money. And since they have access to many insurance companies, they can look for the best rates.

The convenient options are also here, from easy policy switching to their 24/7 claims service. The only downside? Their brokers are only available five days a week.

Pros

  • Brokers are commission-free
  • Offers classic car insurance
  • Provides bundles with maximum discounts
  • Has 24/7 claims service

Cons

  • Office is closed on weekends

Great to work with

“Jennifer Gignac was great to work with.   I explained my insurance concerns and she helped me correct the situation.  Now my house and auto insurance has the same level of coverage at a more affordable price.  I would recommend Jennifer from Leibel Insurance Group for anyone’s insurance needs.”

Douglas Robertson, Google Review

Insurance brokers are super helpful

“Amanda helped me through an insurance issue that I didn’t know how to navigate. Her expertise and care she gives is unbelievable. She is super kind, compassionate, helpful, and dedicated to doing what is best for you as her client. I would follow her no matter where she goes. She’s a rockstar at what she does.”

Ashley Mayea, Google Review

5. Billyard Insurance Group

billyard-insurance-group

Services: Car insurance, motorhome insurance, classic car insurance, boat insurance, home insurance, etc.

Location: 5405 Eglinton Ave W #209

Contact: 855-843-1570, 647-557-8773

Business Hours: 

  • Monday – Friday: 10 am – 6 pm

Website

Google reviews score4.7/5
Total reviews4/5
Score consistency4/5
Range of services5/5
Discounts and offers5/5
Reputation5/5
Accessibility3.5/5
Hours4/5
Communication3/5

One of the things we like about Billyard Insurance Group is they make getting insurance easy. They have a lot of trusted insurance partners who allow them to find the best coverage for your needs.

Many of their brokers have been working in the industry for a decade, which shows their skills. They can back it up as well, with their list of awards for being the top insurance brokerage in Ontario.

They basically offer insurance for cars, motorhomes, classic cars, boats, and motorcycles. It’s super convenient because they have everything you need!

Plus, we do like their adaptable options, ensuring that you get a personalized service based on your circumstances and needs. 

However, they’re closed on weekends. Also, some clients we spoke with complained about the slow process regarding cancellation.

While that was disappointing, others complimented their broker’s outstanding performance. In the end, we appreciate that they always look for the best rates.

Pros

  • Offers insurance for various types of vehicles
  • Provides adaptable options
  • Award-winning company
  • Has many trusted insurance partners

Cons

  • Complaints about slow cancellations
  • Closed on weekends

Top-notch experience

“I had an outstanding experience with Manal Mansha as my car insurance broker. Manal was incredibly knowledgeable, patient, and dedicated to finding me the best coverage at a great price. Her exceptional customer service, prompt communication, and genuine care for her clients set her apart. I highly recommend Manal to anyone needing car insurance.”

NaveeD Malik, Google Review

Gets the best rates

“Amandeep Singh absolutely pulled off a miracle getting me insurance at a great rate when many other agents failed to do so. Professional, responsive and honest!”

Ash Anwar, Google Review

FAQs about Car Insurance in Toronto

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