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Get your car insurance quote in just a few minutes

Go from quote to coverage in minutes and see what you could save. For extra ease and savings, insure your home (or apartment) as well as your car in a "bundle" in your quote.

Switch to save an average of 24% on car insurance1

As part of your quote, we work with you to find all the ways you can save. Out of our 30 home and auto savings options, here’s just a few.

  • Save 10% when you buy car insurance online2

    Insuring your vehicle online is not only convenient — you also save 10% in your first policy term when you quote and buy online.

  • Claims-free reward 

    It pays to be a safe driver. Reward yourself with lower premiums starting after your first accident-free year. The longer you go without making a claim, the more you can save.

  • Bundle home and car insurance

    Save on home (or tenant) and car insurance when you get both together with us. Alumni and professionals who bundled their home and car insurance saved an average of $1,470.3

  • Remove optional physical damage coverage on older cars

    As your car ages its market value decreases, and the cost to repair your vehicle may be more than it’s worth. You could consider removing optional physical damage coverage from your vehicle to lower your premium.

Explore more ways to save

See why over 1.1 million Canadians insure their cars with us

  • TD Insurance Auto Centres

    Easily talk to an on-site Claims Advisor, get your car repaired, and find a rental. Available at over 39 locations across Canada.

  • TD Insurance Auto Repair Warranty

    By using a TD Insurance Auto Centre or a preferred vendor, you’re choosing a lifetime warranty on auto repairs for as long as you own the car and stay insured with us.

  • Easily manage your policies

    With highly rated online services you can manage your policy online anytime, anywhere, 24/7.

How to buy car insurance online

  1. Get a quick and secure quote in minutes

    Begin by answering a few questions so we can recommend appropriate coverage and savings.

  2. Customize your coverage

    Once you receive your quote, you can adjust your deductible amounts and change coverage limits.

  3. Review and set up payment

    When you’re satisfied with your policy, confirm your payment method and complete the process.

Get a car insurance quote

Understanding car insurance costs in Ontario

Explore some of the factors we consider when we calculate your car insurance premium

  • What car do you drive?

    The make, model, and year of your car can affect your insurance premium. This determines the cost and value of the car, safety features, and repair costs.

  • Do you offer ride shares?

    If you use your car for work purposes (other than commuting), you may need to get commercial car insurance. Your business may require a higher liability limit.

  • Where do you live?

    Car insurance is generally higher near or in large urban areas due to a larger volume of accidents and theft or vandalism claims.

  • What coverage do you want?

    The more comprehensive the coverage, the more it will cost to insure your vehicle.

Learning about which different types of car insurance you will need can help you when it comes to managing insurance costs.

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About your Ontario car insurance coverage

In Canada, car insurance rules vary by province. There is a minimum level of standard coverage you are required to have, and optional coverages for added protection

  • Standard coverage

  • Optional coverage

    • Direct compensation and property damage
      Damages to your car are covered to the extent that you’re not at fault in a collision.
    • Specified perils
      Protects your vehicle from specified perils such as losses caused by fire, floods, hail or theft.
    • Collision or upset
      Damage to your vehicle that’s caused by a traffic collision with another vehicle or object.
    • Comprehensive
      Covers all insured damage caused to your vehicle, except for collision or upset.
    • All perils
      Anything that causes loss, except those directly mentioned as exclusions in your policy.

Our highly rated online services

Easily manage your policies 

    Fast and easy online payments

   Update your policies and coverage

   Add or change vehicles and drivers

   View or download documents including your pink card (i.e., proof of insurance)

   Change your credit card or banking details

Login or register

Get the TD Insurance app

See why we are rated one of the top insurance apps in Canada.

    Access and manage your policies

    Start a claim and track repairs

    Store your digital proof of insurance

    One-tap access to important numbers

Explore the app

Our online claims experience

    File your claim right from your phone

    Get towing and emergency road service when you need it

    Find a TD Insurance Auto Centre near you

    Track your repairs and get regular updates

Go to claims

Try a usage-based car insurance program and get a personalized premium.

    Contact us to sign up for free

   Use your phone to share driving habits

   Personalize your premium with safe driving behaviour.

   Enrolment is 100% voluntary

Go to TD MyAdvantage

Our highly rated online services

Easily manage your policies 

    Fast and easy online payments

   Update your policies and coverage

   Add or change vehicles and drivers

   View or download documents including your pink card (i.e., proof of insurance)

   Change your credit card or banking details

Login or register

Get the TD Insurance app

See why we are rated one of the top insurance apps in Canada.

    Access and manage your policies

    Start a claim and track repairs

    Store your digital proof of insurance

    One-tap access to important numbers

Explore the app

Our online claims experience

    File your claim right from your phone

    Get towing and emergency road service when you need it

    Find a TD Insurance Auto Centre near you

    Track your repairs and get regular updates

Go to claims

Try a usage-based car insurance program and get a personalized premium.

    Contact us to sign up for free

   Use your phone to share driving habits

   Personalize your premium with safe driving behaviour.

   Enrolment is 100% voluntary

Go to TD MyAdvantage

Answers to your car insurance questions

Find more tips and advice

Your insurance premium is the amount of money that you pay in exchange for the coverage of the car insurance policy that you choose. You may have the option to pay your premium on a monthly or annual basis.

A deductible is the previously agreed-upon amount that you’re required to pay as part of your insurance claim, depending on your coverage and the cause of the loss or damage you experienced. Common car insurance coverages that have deductibles associated with them include Specified Perils, Comprehensive, Collision, and All Perils.

Yes, Car insurance is required to legally drive a car in Canada. There is a minimum level of car insurance coverage required by all provinces in addition to optional coverage available for enhanced protection.

Connect with us

  • Enrol online

    Get a car insurance quote in minutes using our secure online quoter.

    Get a car insurance quote

  • Speak to an advisor

    One of our licensed advisors would be happy to guide you through the options.

    Contact us

‡Conditions apply. Subject to eligibility rules.
Note: You may not always be given the option to buy online. If this happens, we encourage you to call and speak to one of our licensed advisors, or let us call you!

1 Nationally, the 744 new TD Insurance customers who were surveyed between March 4th, 2024 to March 18th, 2024 and July 5th, 2024 to July 17th, 2024, who reported their annual car insurance premiums paid to their previous insurance provider and who reported their annual car insurance premiums payable to TD Insurance upon switching their car insurance policy, reported an average annual premium savings of approximately 24%. The survey sample consisted of new customers who switched their car insurance policies to TD Insurance between August 1st, 2023 to June 25th, 2024. It was conducted with a 95% confidence interval and produced a 2% margin of error. These survey results do not include customers in British Columbia, Manitoba or Saskatchewan. Savings amounts are not guaranteed; actual annual premium savings obtained nationally from switching car insurance policies to TD Insurance varies based on each customer's individual insurance profile and province of residence. Certain conditions, limitations and exclusions apply to all offers. Please visit http://www.tdinsurance.com/save for more details.

2 In order to be eligible for the Buy Online Discount for home or car insurance, you must meet eligibility requirements to buy home or car insurance online and complete your purchase of this insurance online. Note: You may not always be given the option to buy online. This may occur, for example, if information provided requires additional verification or if your purchase must be completed with an advisor based on your specific insurance needs. If you are unable to buy online, we encourage you to call and speak to one of our licensed advisors or let us call you!

Offers may be changed, withdrawn or extended at any time without notice.

• 10% Auto Insurance Savings (Ontario)

10% savings off eligible coverage in the first policy term is derived from a combination of two separate discounts:

• a 5% Digital Discount for completing the auto insurance quote online, applied when the auto insurance purchase is also completed online. The Digital Discount will continue to be applicable upon policy renewal.
And
• 5% Buy Online Discount in the first policy term for completing the auto insurance purchase online.

Both the Digital Discount and Buy Online Discount are applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Accident Benefits, Uninsured Automobile, Direct Compensation - Property Damage, All Perils, Collision, Comprehensive, Specified Perils, and OPCF 44.

• 10% Home Insurance Savings (not available in Quebec)


A 10% Buy Online Discount in the first policy term will be available to customers for completing the home, condo or tenant Insurance purchase online. The Buy Online Discount is applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Overflow or Escape.

• 5% Savings on Home Insurance (Quebec)

A Buy Online Discount of 5% in the first policy term will be available to customers for completing the Home, Condo or Tenant insurance purchase online. The Buy Online Discount is applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Oil Overflow or Escape

• 10% Savings on Car Insurance (Quebec)

A Buy Online Discount of 10% in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Civil Liability, Damage to Insured Vehicles (All Perils, Collision or Upset, Comprehensive and Specified Perils).

• 5% Auto Insurance Savings (Alberta)

A 5% Buy Online Discount in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Accident Benefits, Direct Compensation – Property Damage, All Perils, Collision, Comprehensive, Specified Perils, and S.E.F. No. 44

• 5% Auto Insurance Savings (Nova Scotia & Newfoundland)

A 5% Buy Online Discount in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Uninsured Automobile, Direct Compensation – Property Damage, All Perils, Collision, Comprehensive, Specified Perils and Uninsured Motorist.

• 5% Auto Insurance Savings (PEI)

5% Buy Online Discount in the first policy term for completing the auto insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Accident Benefits, Uninsured Automobile, Direct Compensation – Property Damage, All Perils, Collision, Comprehensive, Specified Perils and Underinsured Motorist.

• 5% Auto Insurance Savings (Nunavut, Northwest Territories, Yukon)

5% Buy online discount in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Third Party Liability, Accident Benefits, All Perils, Collision, Comprehensive, Specified Perils, and S.E.F. No. 44.

3 Nationally, the average annual savings of all of our clients who belong to a professional or alumni association that have an agreement with us and who insure both a residence and a car on April 26, 2024 (underwritten by Security National Insurance Company) was

- $1,470 when purchasing both homeowner and car insurance
- $910 when purchasing both condo and car insurance
- $920 when purchasing both tenant and car insurance


when compared to the premiums they would have paid without the preferred insurance rate for groups and the multi-product discount. Savings are not guaranteed and will vary based on the client's profile and province or territory of residence. Due to provincial legislation, car insurance is not available in British Columbia, Manitoba and Saskatchewan.

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