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PC auto insurance has you covered in Toronto.

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The benefits of PC auto insurance

We know driving in Toronto can be challenging, from the Gardiner’s morning gridlock to the crowded parking spots of Bloor. That’s why you need a car insurance plan built for city driving – one suited for the ever-changing road conditions, the speedy freeways and the diverse neighborhoods. And we take that need very seriously. As a car insurance broker, we shop at up to eight car insurance companies to make sure you get the best rates for your specific driving situation. We’re also available 24/7 to help you with any claims.

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Plus, we reward you for every dollar you spend with a PC Financial Mastercard®.

When you pay your PC insurance premium with your PC Financial Mastercard®, you earn 2X the regular PC Optimum points – redeemable for free groceries, fashion and more at participating stores. Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards).

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We get you the best rate we can for your situation in Toronto

With up to eight auto insurance providers to choose from in Toronto, our brokers can research and compare several plans. When it comes to choosing a car insurance plan that covers you on the road, we aim to give you comprehensive options that will work with you.

What factors affect my car insurance in Toronto?

Since every neighbourhood in Toronto is different – from Scarborough’s high-rises to Etobicoke’s suburban streets – there are many different factors that can influence rates. But there are a few main points to consider when looking for car insurance in Toronto:

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Vehicle type

Toronto has a huge range of vehicles and insuring each is different. On top of age and likelihood of being involved in a crash, factors such as the cost of replacement parts or the probability of a particular model being stolen are all considered when setting rates.

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Driver’s age

Driving behaviour is easier to predict if you can provide a longer driving record. Even if you’re a good driver, you may fall into a high-risk category because of your age or limited time behind the wheel and end up having to pay higher premiums.

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Where you live in Ontario will impact your rate. If you live in an area with little to no theft, for example, you might be paying less for car insurance as the likelihood of your car being broken into or stolen is reduced.

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Driving Behaviour

In Toronto, there are many types of driving lifestyles — you may commute every single day or maybe only drive to the cottage on the weekends. For a more detailed record of your driving habits, you may want to consider installing a Usage-Based Insurance (UBI) unit on your car to track where and how you drive, which may end up benefiting you.

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Who sets car insurance rates in Toronto?

Car insurance rates in Toronto are governed by the Financial Services Commission of Ontario (FSCO). Changes to existing rates or product must be submitted to FSCO for consideration.

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What is the minimum requirement for car insurance in Toronto?

Like in the rest of the province of Ontario, the minimum amount of third-party liability coverage required by law in Toronto is $200,000. It is often recommended that this number be significantly higher in order to properly help cover your family — especially in a dense urban centre like Toronto, which is surrounded by 400 series highways — traffic accidents are more common than rural areas.

Is car insurance mandatory in Toronto?

In the province of Ontario there are nearly 10 million drivers — the majority of whom live in Toronto and the GTA. To ensure drivers and other users of the road are adequately protected, all Toronto drivers are required by law to take out car insurance policies on their vehicles.

What can I do to lower my car insurance premiums in Toronto?

In the province of Ontario there are nearly 10 million drivers — the majority of whom live in Toronto and the GTA. To ensure drivers and other users of the road are adequately protected, all Toronto drivers are required by law to take out car insurance policies on their vehicles.

Burglar deterrents

If you take the time to invest in an anti-theft device for your vehicle (like an engine immobilizer) the risk of your car being stolen is reduced and your car insurance rate may drop as a result. Proof of purchase and proper installation might be required.

Winter tires

Torontonians who install winter tires on their car for the colder months of the year are eligible, by Ontario law, to receive discounts from their car insurance provider. Usually hovering at about five per cent, this discount might not be applied to your policy before a renewal.

Consider looking for a new policy

You should never feel locked into an insurance policy that you feel isn’t working for you. Speak with a PC auto insurance broker to see if you can be paying less for car insurance.

Dashboard Cameras

Consider installing a dashcam so that you’ll have a record of any accidents. This tiny camera records in real-time and its footage can be used to settle car insurance claims – preserving your driving record and premiums.

Updated driving record

Made a claim on a fender bender three years ago? Did you recently graduate to a new license level? Or has your driving record been clean for years? Updating your driving record when it clears may help lower your car insurance premiums.

Consider bundling

Check to see if you can be taking advantage of any bundle discounts with your car insurance. For example, at PC insurance you can receive up to a 15 per cent discount on both your home and car insurance when you bundle them together with the same company.

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G1/G2 driver to my insurance affect costs?

Do you have a teenager with a new license? While this is an exciting time, the idea of your child driving your car around Toronto can be nerve wracking. But with PC auto insurance, you can get the coverage for your child for their driving adventures in the city. Here are some points to consider when adding them to your existing car insurance policy:


Any vehicle driven by any driver must be insured by law in Toronto. But G1 drivers cannot be listed as a main driver on a car insurance policy, so you will have to add your new driver to your existing policy.


Adding a G1 driver to your existing car insurance policy may not increase your premiums. But premiums may rise once your kid graduates to a G2 license and becomes classified as an ‘independent driver.’


Driver’s education courses are readily available around Toronto and enrolling your child in one can help lower your premiums – provided they successfully complete the course.

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Why is car insurance so expensive in Toronto?

Due to higher instances of crime, high density traffic corridors, and higher volume of vehicles, the risk of insuring a Toronto driver is higher than in other parts of Ontario. This is why Toronto insurance rates are some of the highest in the country.

What types of car insurance does PC Insurance offer in Toronto?

In Toronto, there are certain mandatory types of car insurance which must be present to legally insure a vehicle.

  • Liability

    This type of car insurance covers you if you are involved in an at-fault accident where the other driver files a lawsuit against you.

  • Accident benefits

    This type of car insurance covers anyone injured in your vehicle, including yourself, in an accident.

  • Direct compensation damage

    This type of car insurance covers any damage to your vehicle in an accident where you are not-at-fault or only partially at-fault as deemed by the insurance provider.

  • Uninsured automobile

    Collision & Upset : This type of car insurance covers damage caused to you vehicle by impact with another car, roadside object or any damage sustained in a roll-over.