Compare 25+ Ontario Car Insurance Quotes Online

See Your Cheapest Car Insurance Quotes in Just 1 Minute!


Get The Lowest Car Insurance Rates Online With Shop Insurance Canada Insurance Partners

If you want the most affordable auto insurance rates packaged, in a policy that you want, then you have come to the right place. publishes rates for over 25 of Canada’s leading car insurance providers. Through our quick and accurate quoting technology, you will see competitive rates combining affordability with the best policy for your needs. Shopping around for auto insurance is the only way to ensure you are getting the best deal. So fill out our form and get your quote within seconds, it is easy and completely free.

Why Choose Us



With the quote engine, you can get the most competitive prices from over 25 of the country’s leading car insurance providers. Our system always looks for the cheapest quotes based on the criteria you choose during the quote-filling process.



The Shop Insurance Canada rating system was designed to mix speed, ease of use, and accuracy to deliver the most potent comparison tool online. Our form takes seconds to fill in and you can usually have a quote within 30 seconds.



You shouldn’t have to pay for a simple comparison. Our quote system is completely 100% free, letting you see quotes without having to spend anything. You can use our engine multiple times and there is never an obligation to buy a policy. Of course, this is ideal for car owners looking to insure a vehicle, but it is also a perfect tool for customers who are buying a new car and want to know how much it would cost to insure.



The speed of our tool is possible because it is just so easy to use. Our questions are easily understandable and answering them is as simple as selecting an option from a drop down menu. Our tool is optimized for PC and mobile, so you can get a quote wherever you are.



We work for the customer and not for insurance companies. It is in our interest to assure our users the cheapest deals possible. In fact, it is the insurance providers who are competing for you, not you competing for them!



These are unsure times when data is passed around by companies and even stolen to be sold on. Shop Insurance Canada knows privacy is important to everyone and we never share your information without your consent.

Getting The Cheapest Car Insurance Rates In Canada

Simply put, using a comparison site like is one of the best ways to guarantee yourself an affordable auto insurance policy. Fill out the auto insurance quote form with relevant details (driver experience, vehicle make and model, address, etc.) and get a list of the cheapest auto insurance quotes from over 25 of Canada’s leading providers.

Once the quote process is complete, you can either tweak your details (multiple vehicles, discounts, etc.) or select one of the quotes. Once a quote is chosen, you will be able to speak with the insurance provider, who will guide you through the process of buying the policy.

How To Get The Cheapest Auto Insurance Quotes

One of the most common questions we are asked is how a vehicle owner can get the cheapest quote possible. No-one likes paying for auto insurance, but there are ways to ensure you get the best deal for you. Here’s what our experts say:

Shop Around

It is amazing how many consumers still opt for the first or second quote they are given. This was acceptable in the good old days when getting a policy involved a long phone call or trip to an insurer. But these days, comparison sites like Shop Insurance Canada provide a list of affordable insurance quotes based on your specific criteria within minutes.

Get The Best Coverage For You

Consider you needs before going through the quote process. Think about what policy details you need, if any can be removed, or even if any can be added. If you don’t need some of the extras beyond a basic policy, then you can choose not to include them and save money.

Obey The Law

Your driving record can have a profound impact on your auto insurance rate. If you have a prior infraction on your record you could be deemed a high risk driver, a demographic that pays the highest premiums. Maintain a clean record and ensure yourself the most affordable quotes.

Pay On Time

Insurance companies love consumers who pay their insurance premium on time. Keep up to date on your payments and enjoy discounts, and the possibility of lowering your insurance premium over time.

Home And Auto

Bundling home and auto insurance into one policy is a common practice for reducing auto insurance premiums.

Safe Means Discounts

If one thing pleases insurers more than anything, it’s showing that you are a safe driver. There are various ways to get discounts, such as installing winter tires or taking driving courses. Motorists can save between 5% and 30% by using this tactic.

Auto Insurance In Canada

Shop Insurance Canada is always clear about this point, it is something we are passionate about. Getting the best auto insurance coverage does not necessarily mean selecting the cheapest. There are many types of coverage that can give you specifically what you need. While we will present you with the cheapest rates, the quotes will be based on your criteria, offering you the mix of exactly what you want and affordability.

Below are the car insurance categories in Canada:

Liability Insurance

Canadian law demands that all drivers have liability insurance on their vehicle. Without it the automobile will not be able to be registered. All insurance providers offer liability insurance as a base. This coverage handles the cost from damages caused to other people or vehicles in a collision. This covers medical bills, lost earnings, legal fees, and rehabilitation. Insurance companies will cover these aspects up to the level of liability coverage in a policy.

Emergency Road Service

ERS insurance gives customers roadside assistance if their vehicle breaks down or encounters another problem when out on the roads. This benefit will also deal with covering costs for getting the car back on the road.

Collision Insurance

As the name suggests, collision insurance provides coverage for a vehicle if it is involved in an accident with another vehicle or object. This also covers the cost of replacing a car if it is destroyed.

Comprehensive Insurance

Customers with comprehensive insurance are protected from damages that come from situations not involving another vehicles. For example, cars are covered against fire, theft, flooding, weather events, and vandalism.

Uninsured Motorist Coverage

This insurance benefit provides coverage when you are involved in a collision with a vehicle operated by an uninsured or unidentified driver. If the driver is unidentified this covers for vehicle, injury, and death, while coverage protects the vehicle when there is an identified uninsured driver.

Direct Compensation Property Damage

DCPD protects motorists against losses that were not your fault. This is if the other driver/s in a collision are at fault. In some countries like the UK, the at-fault driver would pay through his insurance company. However, DCPD means your insurance company will cover you. This policy point is only available in New Brunswick, Nova Scotia, Ontario, and Quebec.

No-fault Insurance

No-fault insurance does not take into account who is at fault. Instead you just deal with your insurance company to get benefits, medical bills, and vehicle coverage.

Specified Perils

Specified perils insurance will only cover specific perils that have been named by you in your policy. This is a watered down version of comprehensive insurance.

Auto Insurance Around The Provinces


Canada employs two different auto insurance models depending on which province you are located. Some use a private sector where privately held insurance companies sell products to customers and decide rates. There provinces are Alberta, British Columbia, Manitoba, Ontario, New Brunswick, Newfoundland, Northwest Territories, Nova Scotia, Nunavut, Prince Edward Island, Saskatchewan, and Yukon.

Other provinces use a public system where there is a government run insurance company. Below are some key details on auto insurance in Canada’s provinces.

British Columbia, Manitoba, Quebec, and Saskatchewan use a public system. British Columbia, Manitoba, and Saskatchewan offer customers both private and public insurance options.