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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
We offer competitive rates and coverage options across a range of trusted providers.
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®.
It’s easy to buy auto insurance through us.
1
Have your documents ready.
2
Answer a few questions to get a free online quote.
3
Call us to confirm your details and finalize your coverage.
Get auto insurance in Toronto
Insure your car with coverage that fits your lifestyle.
Mandatory coverage
Liability
Accident Benefits
Direct Compensation Property Damage
Uninsured Automobile
Optional coverage
Comprehensive
Collision or Upset
Minor Ticket Protection
Waiver of Depreciation
Family Protection
Accident Forgiveness
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.
Looking for other insurance?
†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.