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How can I get cheaper car insurance in Canada?

Author

Ava White

Updated on March 19, 2026

How can I get cheaper car insurance in Canada?

  1. Choose the right car to keep your insurance costs down.
  2. Double-check what coverage you need.
  3. Shop around and get quotes.
  4. Keep a good driving record.
  5. Ask about discounts.
  6. Consider increasing your deductible.
  7. Take an accredited driving course.

Considering this, how can I make my car insurance cheaper?

Listed below are other things you can do to lower your insurance costs.

  1. Shop around.
  2. Before you buy a car, compare insurance costs.
  3. Ask for higher deductibles.
  4. Reduce coverage on older cars.
  5. Buy your homeowners and auto coverage from the same insurer.
  6. Maintain a good credit record.
  7. Take advantage of low mileage discounts.

Secondly, how much is the car insurance in Canada? The average insurance premium is $867 currently, but the average rate increase is 12 percent. That means within the year, the average insurance premium will be $971 per year, leapfrogging past Nova Scotia.

Likewise, people ask, how can I lower my car insurance in Canada?

Rates.ca Resources & News

  1. Take One of Your Two Cars Off the Road.
  2. Reduce Your Auto Insurance Coverage.
  3. Lower Your Annual Kilometre Count.
  4. Enrol in a Usage-Based Insurance Program.
  5. Up Your Auto Coverage Deductibles.
  6. Drop Comprehensive Coverage on Older Vehicles.
  7. Ask about Discounts.
  8. Shop Around before Renewing Your Policy.

How can I get cheaper car insurance in BC?

There are many ways to get cheap auto insurance in BC:

  1. Pay premiums on time.
  2. Maintain a good driving history.
  3. Choose the right insurance coverage.
  4. Use winter tires (insurers offer discounts).
  5. Complete a certified driver training program.
  6. Insure all your vehicles with the same company.

What's the cheapest occupation for car insurance?

Top 10 jobs for cheaper insurance
  • Clerical assistant.
  • Local government officers.
  • Medical secretary.
  • Secretary.
  • Classroom aide.
  • Book-keeper.
  • Legal secretary.
  • Police officer.

Who has the cheapest car insurance for seniors?

Spoiler alert! GEICO offers the most affordable car insurance for senior drivers.
Car Insurance CompanyAverage Senior Premium
GEICO$493
Progressive$618
State Farm$1,048
Allstate$1,047

Should car insurance decrease every year?

When your auto insurance rates decrease
The general rule of thumb is that your car insurance premiums will start to decrease when you turn 25. But assuming you're a good driver, you'll probably start seeing decreases in your auto insurance every time you renew your policy even before you turn 25.

How can I make my insurance cheaper?

Follow our other top tips to drive the cost down even further.
  1. Limit your mileage.
  2. Pay annually.
  3. Improve security.
  4. Increase your voluntary excess.
  5. Build up your no claims bonus discount.
  6. Only pay for what you need.
  7. See if it's cheaper to buy add-ons as separate products.
  8. Consider your cover type.

Who has the best and cheapest auto insurance?

The 7 largest car insurance companies: Which is cheapest?
  • Geico: $1,198.
  • State Farm: $1,511.
  • Progressive: $1,766.
  • Liberty Mutual: $1,778.
  • Allstate: $1,834.
  • Farmers: $1,865.

How can I get the cheapest car insurance?

Here are eight things you can do to ensure you get good coverage at the cheapest possible rate.
  1. Don't assume any one company is the cheapest.
  2. Don't ignore local and regional insurers.
  3. Ask about discounts.
  4. Pay your bills on time.
  5. Check insurance costs when buying a car.

Why is my insurance so high?

Insurance companies don't like drivers with tickets. Good drivers are rewarded by paying less for car insurance because they're less likely to file a claim. You may be deemed a “high risk driver.” You typically pay higher car insurance premiums because people with bad driving records tend to file more claims.

How do I get the best car insurance?

  1. Lower your risk. ?
  2. Lower the price. There are a few things you can do which might lower the price of your car insurance.
  3. Shop around. The more time and research you put in to obtaining quotes, the more likely you are to get a better deal.
  4. Check the policy. Read the Key Facts and Policy Wording documents.
  5. Ask for a discount.

Why is insurance so expensive in Canada?

According to the Insurance Bureau of Canada (IBC), the additional claims costs as a result of fraud drives up premiums by as much as 15 percent. In Canada, some provinces have instituted mandatory public government-run car insurance, which ultimately has led to lower car insurance quotes for drivers.

How much does car insurance cost per month in Canada?

That's an extensive range. Across Canada the average monthly premium is about $110.

What is the best car insurance company in Canada?

You may check them out to know if they are any better than your current insurer.
  • Intact Financial Corporation.
  • TD Insurance.
  • Aviva Canada.
  • State Farm Mutual.
  • Wawanesa Mutual Insurance.
  • RSA Canada Group.
  • Co-operators Insurance.
  • Desjardins General.

What is the cheapest car to insure in Ontario?

Cheapest cars to insure in Ontario (2018)
  • KIA Sedona L Automatic AWD.
  • Nissan Versa Note S CVT 2WD.
  • Ford Focus Electric Automatic 2WD.
  • Hyundai Elantra LE Automatic 2WD.
  • Chevrolet Cruze Hatchback Automatic 2WD.
  • Toyota Tundra Automatic 2WD.
  • General Motors Canyon SL Automatic 2WD.
  • Jeep Wrangler.

How can I lower my car insurance in Toronto?

Rates.ca Resources & News
  1. Take One of Your Two Cars Off the Road.
  2. Reduce Your Auto Insurance Coverage.
  3. Lower Your Annual Kilometre Count.
  4. Enrol in a Usage-Based Insurance Program.
  5. Up Your Auto Coverage Deductibles.
  6. Drop Comprehensive Coverage on Older Vehicles.
  7. Ask about Discounts.
  8. Shop Around before Renewing Your Policy.

Is US car insurance valid in Canada?

According the U.S. State Department, your U.S. insurance is valid as long as you have tourist status in Canada. That means you are covered by your U.S. policy as long as you don't stay too long. If you enter without a visitor's visa and drive out within 180 days, using your U.S. auto insurance is fine.

How can I lower my car insurance premium in Ontario?

Here are some examples:
  1. Cancel Collision Coverage – not as necessary with older cars.
  2. Increase Your Deductible – the higher the deductible the lower your premiums/rates, but this will mean you have to pay more in the event of a crash.
  3. Minimal Coverage – only pay for what is required by Ontario law and nothing more.

Which province in Canada has the cheapest car insurance?

Car Insurance by Province
  • QUEBEC. Here is where you get the cheapest car insurance premiums in Canada with an average annual premium of $642 .
  • PRINCE EDWARD ISLAND. With an average of just below $700 per annum, the private insurance systems here are considered one of the most effective in Canada.
  • NEW BRUNSWICK.
  • NOVA SCOTIA.
  • ALBERTA.
  • ONTARIO.

Which city in Ontario has the cheapest car insurance?

The cheapest cities for car insurance in Ontario include Coburg, Kingston, Belleville and Napanee.

Who has the highest insurance rates in Canada?

Car owners in the province won't be surprised, but British Columbians are still paying the highest auto insurance premiums in Canada. The General Insurance Statistical Agency released numbers Tuesday showing that British Columbians pay an average of $1,832 for car insurance per year.

How much is car insurance per month in Ontario?

The average monthly car insurance cost in Ontario is approximately $120, according to the Insurance Bureau of Canada. However, this can vary greatly depending on your personal driving record and insurance history, the vehicle you drive, where you live, and a number of other factors.

Is car insurance mandatory in Canada?

Car insurance is required by law in Canada and all drivers must have third party liability insurance. The minimum amount of liability insurance in the country is $200,000, except in Quebec where it is $50,000.

How much does car insurance cost in Ontario?

The average car insurance policy in Ontario costs $1,920 per year, compared to the Canadian average of $1,320. Of all the provinces in the country, Ontario has the highest average insurance cost.

How much is the car insurance in Toronto?

The average annual cost of car insurance in Toronto is $2,071. This works out to about $172.58 per month.

How much should I be paying for insurance?

In the U.S., the average cost of car insurance is $1,758 per year. That's $293 per six-month policy or about $146.50 per month. That is more than a person's rent or mortgage in some areas, so it is important to get a good rate for your insurance. Many variables that determine the price of your car insurance rates.

Are cars expensive in Canada?

Given exchange rate, cars are sometimes cheaper in Canada and sometimes in the US. However, when the Canadian dollar is low (which is usually the case), cars are actually cheaper in Canada. You can buy cars in either country and bring them across the border, though there is a process to it.

Is it better to pay car insurance in full or monthly?

Paying in full can be the best option for a couple of reasons. Many insurance companies offer paid-in-full discounts, plus you can also save on monthly fees. Having your policy paid in full takes one bill off of your monthly list. It ensures you will not encounter a lapse in coverage.

How much is basic car insurance in BC?

Here's how it works: Alberta has $3,640,470,499 (in premiums) / 2,766,202 (number of personal vehicles) = $1,316 average auto insurance premiums. British Columbia has $5,575,221,831 (in premiums) / 3,043,436 (number of personal vehicles) = $1,832 average auto insurance premiums.

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