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Toronto auto insurance
Auto insurance in Toronto that helps you save.
When sitting in traffic on the Gardiner or driving across the DVP, you need coverage that fits your needs and wallet. PC Optimum™ members can save up to 35%† when they bundle their home and auto insurance and combine with other available discounts.Get a quote
How we offer competitive rates
As a broker, we search across a range of trusted insurance providers, to find the coverage that best fits your needs and budget.
Save on coverage, and earn
PC Optimum™ points.
PC Optimum™ members save up to 35%† when they bundle their home and auto insurance and combine with other available discounts.Learn more
Earn 2x the regular PC Optimum™ points* for every dollar spent when you pay your premium with your PC® Mastercard®.
Buy your auto insurance in 3 easy steps.
Answer questions about your vehicle details, licence, and driving history to get an accurate online quote
Customize your coverage if needed.
Provide your license number, vehicle ID number, and banking details to finalize online purchase.
Get auto insurance in Toronto
Insure your car with coverage that fits your lifestyle.
Direct Compensation Property Damage
Collision or Upset
Minor Ticket Protection
Waiver of Depreciation
Liability for Damage to Non-owned Cars
5 ways you could lower your car insurance premiums.
Auto insurance may be mandatory, but there are ways you could save!
Insurance providers largely decide their rates based on the level of risk to insure a driver. By being a safe driver, you can take advantage of any saving incentives you may be eligible for.
Take a driving course
Many insurance providers offer discounts to new drivers who have completed a government-approved driver’s education program.
Maintain a conviction-free record
Keeping a clean driving record – no tickets or driving infractions for a set number of years – can help you save.
Theft-proof your car
Taking measures to help protect your car like installing a steering wheel lock or anti-theft system may reduce what you pay for insurance.
Install winter tires
Provide proof you bought and installed winters tires and you may be eligible for savings with certain insurance providers.
Bundle your insurance
When you combine your home and auto insurance, it could mean savings for you.
There are several things you can do to help lower your car insurance costs:
Work on your driving record
Here's an easy and effective way to bring down your insurance costs: build a consistent accident and conviction-free track record with an insurance company.
Choose your automobile wisely
We recommend you do your research before you invest in a new car. Read consumer reports and check with your insurance company to find out which cars tend to be targets for theft and vandalism. If you purchase a car with a high theft rate, your premium could be higher.
Adjust how you use your car
By adjusting the way you use your vehicle, you could bring down the cost of your insurance rates. If you live in a metropolitan area: can you take the subway, train or bus to work? Has your job changed, or have you moved recently? Do you use your automobile to drive a short distance to work? Does your vehicle get used for low annual kilometers?
If you answered yes to any of these questions, you may be entitled to lower insurance costs.
Choose a higher deductible
If you choose a higher deductible up front, in many cases your premiums will be lower.
Telematics-powered car insurance is a form of policy in which insurance companies rely on in-car tracking devices to monitor your driving habits and tendencies. This can earn you discounts based on your safe driving habits.
Don't forget our licensed Insurance brokers are here to answer all your questions. To start this discussion, complete your free online quote now.
A deductible is the amount you agree to pay if you have to make a car insurance claim.
If you lend your car to someone and they get into an accident, your car insurance may extend to other drivers as long as you gave them permission to drive it.
Regular or frequent drivers of your car must be added as drivers to your insurance policy in order to be covered.
Yes! You can earn 2x the regular PC Optimum™ points* for every dollar spent at PC® Insurance if you pay your premiums using your President's Choice Financial Mastercard.
All purchases with the PC Financial® Mastercard® earn a minimum of 10 PC Optimum points per dollar. When you pay your PC® Insurance home or auto insurance premium with your PC Financial® Mastercard®, earn 20 PC Optimum™ points per dollar. Minimum redemption is 10,000 PC Optimum™ points (worth $10 in free rewards) and in increments of 10,000 PC Optimum™ points thereafter, at participating stores where President's Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list.
†By combining the following discounts from participating insurers, as follows: (i) the discount offered to PC Optimum™ members in good standing off the applicable insurer’s base premium excluding any endorsements or extended coverages (ii) the bundled discount for purchasing both your home and auto insurance with the same insurer through PC® insurance and (iii) the claims-free and convictions-free discounts if you qualify, subject to regional availability. Total savings of up to 35% is in comparison to the base premium excluding any endorsements or extended coverages from the participating insurer you would have paid if these discounts were not applied. Valid only for new customers or renewals; does not apply to current policies. PC® auto and home insurance products are available only in Alberta, New Brunswick, Newfoundland & Labrador, Nova Scotia, Ontario, and Prince Edward Island. The PC Optimum™ program is provided by President’s Choice Services Inc.
*All purchases with the PC Financial® Mastercard® earn a minimum of 10 PC Optimum™ points per dollar. When you pay your PC® insurance home or auto insurance premium with your PC Financial® Mastercard®, earn 20 PC Optimum™ points per dollar. Minimum redemption is 10,000 PC Optimum™ points (worth $10 in free rewards) and in increments of 10,000 PC Optimum™ points thereafter, at participating stores where President's Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President's Choice Bank is a licensee of the marks.