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Get car insurance quotes in 3 simple steps
Getting car insurance quotes online through PolicyMe is straightforward and quick. Most drivers see their quotes in about 10 minutes.
- Choose your coverage level: We review and compare coverage details, cutting through the fine print to find your best option. We’ll show you exactly why it’s our top recommendation with a simple breakdown to help you choose with confidence.
- Customize your policy: Customize your coverage types, limits, and deductibles to match your needs and budget. Your price updates in real time, so you’ll always see exactly how your choices affect the cost.
- Compare your quotes: We’ll show you real quotes from our insurance partners and highlight the best option for your profile. You can always compare your other options before deciding.
Car insurance quotes by age
Your age is a major factor in what you’ll pay for auto insurance, since driving experience is one of the biggest predictors of on-road risk. Older, more experienced drivers tend to pay lower premiums overall, while new drivers—especially teens and young adults under age 25—pay the highest rates of any age group.
Most insurance companies aren’t actually looking at your age when they run your quotes, but at the number of years you’ve held a valid driver’s license. If you got your license later in life, you might see higher rates than your peers of the same age.
The difference is significant regardless of where you live or what you drive. Below are sample rates for Ontarians of different ages, all driving an eight-year-old Ford Escape in the suburbs of London, ON:
Features | Annual premiums* |
|---|---|
18 years old $5,227 | $5,227 |
25 years old $2,320 | $2,320 |
35 years old $2,102 | $2,102 |
45 years old $1,980 | $1,980 |
55 years old $1,774 | $1,774 |
65 years old $1,668 | $1,668 |
Features | Annual premiums* |
|---|---|
18 years old $4,871 | $4,871 |
25 years old $2,331 | $2,331 |
35 years old $2,156 | $2,156 |
45 years old $2,024 | $2,024 |
55 years old $1,826 | $1,826 |
65 years old $1,721 | $1,721 |
* Rates shown are based on a sample driver profile and standardized coverage selections. Your actual premium will vary based on your personal details, driving history, location, vehicle, and insurer underwriting criteria. Last updated: August 2026
Car insurance quotes by vehicle type
Insurance companies don’t just look at your profile when issuing quotes, they’re also looking at your car. Your auto insurance quote will take into account the type and frequency of insurance claims associated with cars like yours.
Vehicle information that could impact the cost of car insurance includes:
Make and model
The model you drive tells insurers about your vehicle's overall specs and driving capabilities. Some cars, like sports cars, may also be associated with riskier types of driving.
Model year
Older cars are worth less, which usually makes them more affordable to insure. That said, they may also lack modern safety technology that's standard on new cars, thus increasing crash risks.
Vehicle type and engine size
Electric vehicles may come with unique costs and risks, and larger and more powerful cars are likely to come with higher premiums.
Want to see your car’s average risk? Use the Insurance Bureau of Canada’s How Cars Measure Up tool to visualize average claim frequency for your vehicle.
The table below compares the starting rates for 7 brand-new vehicles, assuming a 35-year-old driver with full coverage living in London, ON:
Features | Annual premiums* |
|---|---|
Compact sedan (Toyota Corolla) $2,205 | $2,205 |
SUV (Ford Escape) $2,622 | $2,622 |
Pickup truck (Ford F-150) $3,261 | $3,261 |
Minivan (Chrysler Pacifica) $3,214 | $3,214 |
Luxury vehicle (Lexus NX) $3,027 | $3,027 |
Hybrid vehicle (Mitsubishi Outlander) $2,532 | $2,532 |
Features | Annual premiums* |
|---|---|
Compact sedan (Toyota Corolla) $2,373 | $2,373 |
SUV (Toyota RAV4) $2,773 | $2,773 |
Pickup truck (Ford F-150) $3,271 | $3,271 |
Minivan (Chrysler Pacifica) $3,329 | $3,329 |
Luxury vehicle (Lexus NX) $3,038 | $3,038 |
Hybrid vehicle (Mitsubishi Outlander) $2,675 | $2,675 |
* Rates shown are based on a sample driver profile and standardized coverage selections. Your actual premium will vary based on your personal details, driving history, location, vehicle, and insurer underwriting criteria. Last updated: August 2026
Car insurance quotes by location
Location is one of the most powerful factors that insurance companies use when calculating rates.
Why location matters
Where you live plays a major role in your car insurance rate. Areas with higher rates of car theft, heavy traffic, or a high rate of serious collisions tend to pay more for auto insurance.
It’s not just about your driving
Even safe drivers can pay more depending on their postal code. Insurers look at local trends (like crashes and claims) to assess your overall risk.
Real example: The GTA
The Greater Toronto Area has some of the highest auto theft rates, with over $724M in losses in 2025.1 That’s why drivers there pay nearly 30% more for insurance—about $700 extra per year, on average.2
Take a look at the table below to see how much it costs to drive in your city (or the closest population centre), assuming you live in the suburbs:
Features | Annual premiums* |
|---|---|
Sudbury $1,601 | $1,601 |
Windsor $2,391 | $2,391 |
Ottawa $1,704 | $1,704 |
Sault Ste Marie $1,625 | $1,625 |
London $2,045 | $2,045 |
Mississauga $1,837 | $1,837 |
Toronto $2,360 | $2,360 |
Features | Annual premiums* |
|---|---|
Sudbury $1,626 | $1,626 |
Windsor $2,609 | $2,609 |
Ottawa $1,853 | $1,853 |
Sault Ste Marie $1,639 | $1,639 |
London $2,070 | $2,070 |
Mississauga $1,972 | $1,972 |
Toronto $2,405 | $2,405 |
* Rates shown are based on a sample driver profile and standardized coverage selections. Your actual premium will vary based on your personal details, driving history, location, vehicle, and insurer underwriting criteria. Last updated: August 2026
Car insurance quotes by driving record
If you’ve had at-fault accidents or traffic tickets in the past, insurers see you as a higher risk. When you request car insurance quotes, you’ll need to share details about your driving history to help insurers decide how much to charge you.
The table below shows how much various driving convictions impact the car insurance rates of a 35-year-old woman living in London, ON:
Features | Annual premiums* | Versus clean record |
|---|---|---|
Clean record $2,066 | $2,066 | 0% |
Speeding $2,627 | $2,627 | +27% |
First at-fault accident $3,408 | $3,408 | +65% |
Major conviction $4,240 | $4,240 | +105% |
Impaired driving $7,020 | $7,020 | +240% |
Features | Average annual premium* |
|---|---|
Clean record 0% | $16.20 |
Speeding +27% | $18.45 |
First at-fault accident +65% | $19.80 |
Major conviction +105% | $23.40 |
Impaired driving +240% | $55.35 |
Rates shown are based on a sample driver profile and standardized coverage selections. Your actual premium will vary based on your personal details, driving history, location, vehicle, and insurer underwriting criteria. Last updated: August 2026
What affects your car insurance quote?
Age & driving experience
Drivers with more years of licensed driving experience typically receive lower insurance quotes.
Vehicle type
The make, model, and safety features of your car influences repair costs and accident risk.
Location
Areas with higher traffic, collision rates, or vehicle theft tend to have higher premiums.
Driving record
Speeding tickets, at-fault accidents, or impaired driving convictions can increase your quote.
Coverage
Higher limits and lower deductibles increase your premium, while higher deductibles lower it.
Insurance history
Continuous insurance coverage and a clean claims history can help lower your rate.
What do you need to get a car insurance quote?
To get car insurance quotes, you’ll need to provide insurance companies with basic information about you and the vehicle(s) you want to insure.
- Name, address, and personal information for all drivers on your car insurance policy
- License number for all drivers on your policy
- Vehicle identification number (or make, model, year, and body style)
- Insurance history (including any past claims)
- Driving history
- Selected coverage options
“It’s important to be completely honest when providing information for your auto insurance quote. Failing to disclose accidents, tickets, or other details may result in a lower initial quote, but the price will likely increase once the insurance company reviews your driving record.”
—Adam Seguin, RIBO-licensed insurance broker
How to find the best coverage for the right price
A car insurance quote isn’t a final price—it’s a starting point. It shows what a given insurance company would charge based on your details and the auto insurance coverage you selected. From there, you can adjust your coverage options to fit your budget.
Bundle with your home
Buying both auto and home insurance from a single trusted insurer could save you up to 26% on your insurance plans.
Insure multiple vehicles together
You could save around 10% by insuring two or more vehicles with the same company.
Match your deductibles with your emergency savings
A $1,000 deductible on your collision or comprehensive coverage will save you money on premiums, but $500 one might more closely match what your rainy day fund can comfortably cover.
Weigh the costs and benefits of add-ons
Optional coverage like roadside assistance or non-mandatory accident benefits could add value to your policy, but they’ll also raise your auto insurance premiums.
Don’t default to mandatory coverage
Government-mandated auto insurance minimums are a broad social safety net—and much too low for most drivers. Look at your finances and risk holistically when making coverage decisions.
What should your quote include?
In Ontario, all car insurance policies include minimum amounts of third-party liability coverage for bodily injury and property damage, statutory accident benefits, uninsured motorist coverage, and direct compensation property damage (DCPD) coverage.
You can waive DCPD coverage in writing or opt for various additional coverage or endorsements, such as:
- Collision coverage: Pays to repair or replace your vehicle if it's damaged in a collision with another vehicle or object, regardless of who was at fault.
- Comprehensive coverage: Covers damage to your vehicle from events other than a collision, such as theft, vandalism, fire, hail, falling objects, or animal strikes.
- All perils: Combines collision and comprehensive coverage, plus covers theft by someone living in your household or employed to drive your vehicle.
- Roadside assistance: Helps cover the cost of emergency services like towing, battery boosts, lockout assistance, fuel delivery, or changing a flat tire.
- Rental car coverage: Helps pay for a rental vehicle while your car is being repaired after a covered claim.
- Accident forgiveness: Prevents a surcharge on your insurance premium after your first at-fault accident, as long as you meet your insurer's eligibility requirements.
FAQ: Car insurance quotes
You can get a free car insurance quote through an online platform like PolicyMe, which provides multiple options for you to review, or by requesting quotes from individual car insurance providers.
The easiest way to compare car insurance quotes is using an online platform like PolicyMe. It allows you to complete one application and see quotes from multiple insurers with real-time price updates as your customize your coverage.
PolicyMe shows real quotes from insurance companies, not estimates. The quote you receive is based on the information you provide in your application; the more accurate you are, the more accurate your quote will be.
You should compare car insurance quotes before every renewal, which is typically every 12 months, and whenever your circumstances change. For example, if you buy a new vehicle, move, add or remove a driver, or your driving record changes.
While each insurer offers their own discounts, you can generally save up to 26% when you bundle your home and car insurance with the same provider.
If you’re paying $200 per month for car insurance in Canada, you’re not alone. That’s below the current average for drivers in Ontario, making it a competitive quote—especially if you’re under age 25, drive a high-value or high-risk vehicle, or have recent car accidents or tickets on your driving record.
A $500 deductible makes it easier to file car insurance claims for damage to your vehicle, but a $1,000 deductible will keep your month-to-month car insurance costs lower. Each driver should analyze their personal finances and risk tolerance to determine which option is a better fit.
No single insurance company in Canada has the cheapest car insurance for every driver. While big-name carriers like Desjardins and TD may quote lower rates on average, your individual driver profile will impact which rates you’re eligible for. Comparing personalized quotes is the only way to determine which insurer is cheapest for you.
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