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Best Car Insurance in Canada: Compare Quotes and Companies

Auto insurance is mandatory for all drivers across the country. But prices can really vary, not just from province to province (although, for those interested, Quebec tends to have the cheapest options, while British Columbia has the most expensive), but also within each province. There are dozens of auto insurance providers in Canada, and each of them uses their marketing skills to convince you that they are the best option. But how can you ensure you get the best insurance rates?

To make your insurance shopping experience less painful, we created this post to help you compare some of the best auto insurance companies in the country.

Buying Direct vs. Using a Search Platform

Once you know what you need in terms of car insurance in Canada, it's easy to go online and find a quote. There are two different ways to get a car insurance quote: the first is to go directly to the car insurance company and get a quote from them. The second is to use the insurance search platform. Each of them has its drawbacks and advantages.

A direct move is a good way to potentially save money through bundling, if your insurance company is a company that you already use for other vehicle and / or home insurance. If not, you may want to consider using the same insurance provider for multiple needs as they can offer you that combined service. Loyalty can be used to your advantage when looking for better deals, and remember that some auto insurance companies offer discounts if you are part of an association or if you graduate from a particular college or university.

However, when approaching just one company, you may not get the best deal available to you, even if you get a deal on a montage. This is where insurance search platforms come in handy, allowing you to search for quotes from all of your partners at the same time, giving you more options.

There is no right or wrong way to buy car insurance, it depends on your loyalty and how much work you want to do to find the best rates.

Best Car Insurance Companies and Search Platforms in Canada


Kanetix is ​​an insurance search platform that gives visitors the option to receive quotes from more than 50 auto insurance companies. Limited to customers based in Ontario, Alberta, and Quebec, but an easy-to-use tool for those looking to shop. Once you choose the quote that best meets your needs, Kanetix will connect you with an insurance provider to ensure you get the price quoted. Discount options may be available through some insurance providers on this search platform. is another popular insurance search platform among Canadians. They have a smaller network of Canadian insurers, 30 compared to's 50+, but is well-rated and trusted by consumers and regularly featured in the media. is actually part of and can benefit clients in Ontario and Alberta. Some insurance providers may apply discounts at

TD insurance

TD is one of the leading banks in Canada and its insurance division is also well known. One of the biggest benefits of using TD insurance is that you have several ways to save on your auto insurance plan. The first and most obvious way is by mounting; Auto or home insurance or multiple auto insurance policies. The second method you can save is using the TD MyAdvantage app. You can download the app to your phone and have it analyze your driving. The safer you are driving, the more savings you can save on your premium. TD auto insurance is available in the following counties: Ontario, Quebec, Prince Edward Island, Nova Scotia, Newfoundland, New Brunswick, and Alberta.


Sonnet is not one of the "big guns," but it is a good company to consider for anyone looking for a more personalized auto insurance option. Sonnet is a comprehensive online insurance provider, reducing operating costs and allowing them to offer low rates to clients. They have three pre-defined packages with different price levels, but they also provide an option to customize your package based on your personal needs. Sonnet is available to Canadians living in Alberta, Ontario, Quebec, Prince Edward Island, New Brunswick, and Nova Scotia.

Co-operators Insurance

Co-Operators is probably a brand you will recognize as it dates back to 1945 and is a trusted name with more than a million customers nationwide. Auto insurance is available through partners who live in Alberta, New Brunswick, Newfoundland, the Northwest Territories, Nova Scotia, Ontario, Prince Edward Island, Yukon, and Quebec. Participating operators also offer offers for those willing to pool their insurance.

RBC insurance

RBC offers some decent discounts for those who are ready to bundle - up to 12% for policies and up to 15% for multiple cars RBC insurance is available to customers in Alberta, the Northwest Territories, Yukon, Nunavut, Ontario, Quebec, New Brunswick and Nova Scotia. Prince Edward Island and Newfoundland.

Desjardins Insurance

Desjardins is the third largest insurer in Canada, and when you consider the statistics, it's easy to see why. This insurance company claims a 96% satisfaction rate and has been in business for over 60 years. One of the biggest draws to choosing Desjardins for your car insurance needs is that they provide many discount opportunities, including pickup options, winter tire discounts, student discounts, and even discounts for parking in a garage or driveway. private. There's a notable downside: Desjardins currently only offers auto insurance to Canadians living in Ontario, Alberta, and Quebec.

Belairdirect insurance

With more than 60 years in the insurance business and nearly 1 million customers, Belairdirect is another auto insurance company worth considering. Among its best features are the easy-to-use online tools that allow customers to manage their coverage and track their claims. This can be done at the Belairdirect Customer Center or through the Belairdirect app. As with the other insurance providers on this list, Belairdirect offers better discounts and rates for those who are willing to pool. Belairdirect is available to those who live in the following counties: Alberta, British Columbia, New Brunswick, Nova Scotia, Ontario, Prince Edward Island, Quebec, and Newfoundland.

How do auto insurance rates compare?

Before sticking to your auto insurance policy, you need to make sure you compare the rates correctly and make the best-informed decision you can make. There are a few things to keep in mind when comparing offers:

Do some serious shopping

Understand what each insurance company really has to offer. The cheapest option may not be the best option for you, so make sure your insurance policy covers it. Check coverage, discounts, rates and other conditions. Read reviews, get recommendations from friends, and ask all the questions you have.

Consider your coverage

Think about the type of coverage you need. For example, if your car is a bit older, you may not need full coverage, while for a family car, you may want full coverage. You don't want your insurance policy to cost more than the value of your car, but you also want to make sure it doesn't leave you stuck in case something happens.

Take advantage of family packages

Some auto insurance providers will charge lower rates if you, your spouse, and even your children associate or insure more than one car. This could significantly reduce costs and make your insurance policy more affordable. Ask her while you shop and see what offer is worth it.