Intact Car Insurance Review (2026)
Intact Insurance: The basics
- Founded: 1809 (217 years in business)
- Parent company: Intact Financial Corporation
- Underwriting companies: Intact Insurance Company
- Website: https://www.intact.ca/en/personal-insurance
- Phone number: 1-855-388-1771
- Availability: Nationwide
- Car insurance products: Automobile, motorcycle, RV, ATV, and snowmobile
What does Intact car insurance cover?
All Intact car insurance policies include coverage required by provincial law that pays for:
- Other drivers’ medical bills and vehicle repairs if you’re found at fault in an accident
- Your own legal costs if you’re sued due to an at-fault accident
- Medical, rehabilitation, attendant care, caregiver, and funeral costs for you and your family regardless of fault
- Income replacement regardless of fault
- Your own medical bills and vehicle repairs if you’re struck by an uninsured or unidentified at-fault driver
- Repairs to your vehicle if it’s damaged by an identified at-fault driver
* Standard accident benefits may change following an update to Ontario’s mandatory insurance laws in July 2026.
** DCPD coverage is no longer required by law in Ontario, but you must waive the coverage in writing if you choose to remove it from your policy.
Optional Intact car insurance coverages and endorsements
While Intact’s base coverage package is fairly simple, you may have access to a wide range of customization options. Many aren’t visible when getting online quotes, so you may need to speak with an advisor to confirm which coverage you’re eligible for.
* Option to remove comprehensive coverage not available for newer vehicles.
Intact car insurance discounts
Intact offers five discounts for car insurance in Ontario:
- Home and auto insurance bundling discount: Intact advertises savings up to 18% off car insurance premiums for customers who bundle home and auto insurance.
- Buy online discount: Intact offers an 8.5% discount to car insurance customers who purchase a policy online.
- Multi-vehicle discount: If you insure more than one vehicle with Intact, you could be eligible for 15% off your premium.
- Graduates and retirees’ discounts: Intact advertises potential discounts based on life stage, but doesn’t specify eligibility requirements or the amount of the discount.
- Winter tire discount: If you have winter tires certified by Transport Canada installed every year from December 1 to March 31, you may be eligible for lower rates.
Intact’s usage-based insurance discount: myDrive
Intact’s myDrive usage-based insurance program offers more than discounts: in addition to potential savings based on how you drive, you can get tips and insights to improve your driving (and fuel efficiency!), immediate assistance in a crash, and weather alerts on the road.
- How it works: myDrive uses the Intact Insurance app to collect real-time driving data via GPS and
- What it tracks: Number and duration of trips, hard braking events, rapid acceleration events, cornering and turns, kilometres driven, distracted driving, time of day and day of the week, driving and road conditions, road types (e.g., highway, urban, or rural)
- Activation discount: 10% (only available to new Intact customers)
- Maximum discount: 25%
- Maximum potential penalty: 25%
How much does Intact car insurance cost?
On average, Intact car insurance costs $200/month for a single driver with all perils coverage in Ontario, or $337/month for a household with two drivers and two vehicles.
Your actual car insurance quotes from Intact may be higher or lower than these averages based on:
- Location: Intact considers auto theft rates, traffic patterns, and weather risks in your area when setting the cost of coverage.
- Coverage limits: Opting for higher coverage limits will raise your coverage, while sticking to a bare-minimum policy can keep costs low at the expense of financial protection.
- Age: Younger drivers have less on-road experience, so they carry a higher risk of accidents and thus pay higher premiums.
- Gender: In our analysis, women paid slightly higher premiums with Intact when compared to men.
- Vehicle: Newer, more powerful, or more expensive vehicles may cost more to insure. The cheapest vehicles to insure are typically compact SUVs less than 10 years old with robust safety features and limited add-ons.
- Driving history: Intact looks back three years for major and minor driving violations and nine years for at-fault accidents.
Intact car insurance cost: Family quotes
Intact car insurance quotes for a married couple who own a 2021 Ford F-150 XLT SuperCrew 4WD and a 2019 Honda Civic Sport averaged between $337/month for all perils coverage and $368/month for high coverage.
Intact car insurance cost: Single-driver quotes
Intact car insurance quotes for a single 45-year-old male driver with a 2019 Honda Civic Sport averaged between $194/month for all perils coverage and $218/month for high coverage.
Intact car insurance quotes for a single 45-year-old female driver with a 2019 Honda Civic Sport averaged between $200/month for all perils coverage and $224/month for high coverage. That’s roughly $5 more per month than male drivers, or between 2% and 3% more overall.
Quotes for Brampton, Ontario brought up Intact’s average pricing significantly. This is because Brampton is one of Canada’s leading auto theft hotspots, with over $43 million in theft claims in 2025 alone and a 565% increase in motor vehicle theft between 2017 and 2025 according to the Insurance Bureau of Canada. Since one of our sample vehicles—the Ford F-150—is a common theft target, quotes for this vehicle in Brampton are extremely high.
Other cities facing high auto theft rates and rising car insurance costs include Markham, Oakville, and Richmond Hill, all in the Greater Toronto Area.
Intact car insurance cost: Quotes with a driving violation
Intact car insurance quotes for a married couple with a single minor speeding violation who own a 2021 Ford F-150 XLT SuperCrew 4WD and a 2019 Honda Civic Sport averaged between $418/month for all perils coverage and $463/month for high coverage.
If you receive a minor driving violation while insured with Intact, you could see your rate go up by an average of 11–24% at your next policy renewal.
The Intact car insurance claims process
If you need to file a car insurance claim with Intact, here’s what you can expect
- Report your claim: Be ready with your policy number, a description of the incident, photo/video documentation of all damage, and a police report (if available).
- Bring your car in for repairs: Intact may recommend that you bring your vehicle to an Intact Service Centre or another body shop that participates in Intact’s Rely Network, but you can choose to take your car to an independent shop that you trust outside of the network.
- Work with your adjuster to arrange payment and authorize repairs: Depending on your choice of shop, Intact may pay the service provider directly or send you a cheque to reimburse you after you make payment for repairs. In either case, remember that you’re responsible for your deductible.
Intact guarantees that, if you file an auto insurance claim over the phone by calling 1-866-464-2424, an Intact claims representative will start your claim within 30 minutes of answering your call and arrange emergency support if needed. If Intact fails to meet this guarantee, you’re entitled to a cheque equal to your entire year’s premiums, up to $1,000.
To file a car insurance claim with Intact, call the hotline at 1-866-464-2424 or submit your claim digitally through the Intact mobile app or online Client Centre.
Is Intact good for claims?
To evaluate Intact’s reputation for claims service, we explored Reddit threads discussing Intact.
Intact car insurance vs. other providers
Here’s how Intact compares to two other major insurers in Canada.
* Average monthly premium for an all perils policy for two drivers and two vehicles.
Is Intact car insurance right for you?
Intact car insurance may be right for you if you’re looking for a straightforward, reliable auto insurance policy from a leading insurer with the option to bundle home insurance for a discounted rate.
As Canada’s largest provider of auto insurance, Intact has it all, from basic third-party-only policies for older cars to premium plans for high-value vehicles. If you want 24/7 claims service, the financial backing of a major insurance player, and competitive multi-product discounts, Intact may be a good fit.
FAQ: Intact car insurance
This article is for general information only and is not insurance or legal advice. Examples and any sample quotes or rate ranges are illustrative and do not constitute an offer or guarantee of coverage, price, or eligibility. Actual coverage, discounts, and premiums depend on your individual circumstances and the insurer provider; if there is any discrepancy, your policy and insurer documentation govern. For advice about your situation, speak with one of our licensed insurance professionals.