Top Car Insurance
Companies in Ontario (2023 Update)



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Find Your Best
Car Insurance In Ontario

Getting the best car insurance quotes in Ontario can be somewhat overwhelming with the high prices and overwhelming choice. To make your decision easier, we have put together the following list of our top 19 car insurance companies.

For 2023, we decided to do something special: We included direct writers where you can buy online (Onlia and Sonnet) and insurance brokerages where you can get personalized, 5-star customer service, at no extra cost (Billyard Insurance Group, Surex). Remember, My Choice allows you to compare rates from direct writers and insurance brokerages and you have the choice to either buy online or connect with a top brokerage right on our platform. We hope you get some value from our list!

Click on an insurance provider below for more information!

  1. Onlia (Buy Online – Direct Writer)
  2. Sonnet (Buy Online – Direct Writer)
  3. Billyard Insurance Group (Excellent Service – Brokerage)
  4. Surex (Excellent Service – Brokerage)
  5. Aviva
  6. Canadian Auto Association (CAA)
  7. Allstate 
  8. Belairdirect
  9. Desjardins Insurance
  10. Echelon
  11. Economical
  12. Gore Mutual
  13. Intact
  14. Jevco
  15. Pembridge
  16. RBC Insurance
  17. SGI
  18. TD Insurance
  19. Travelers
  20. Wawanesa

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Onlia is a digital insurance company based in Toronto, Ontario that offers a range of insurance products, including car insurance. Onlia’s car insurance products are designed to be convenient, flexible, and affordable, with a focus on helping drivers save money on their insurance premiums. Another perk is that you can buy form their website directly, 24/7!

One of the key features of Onlia’s car insurance is its usage-based insurance program, which uses telematics technology to track a driver’s habits and offer personalized coverage and discounts based on their driving behavior. This means that drivers who demonstrate safe driving habits, such as maintaining a safe speed and avoiding sudden stops or acceleration, may be able to save money on their insurance premiums.

In addition to its usage-based insurance program, Onlia also offers a range of other car insurance options, including collision coverage, comprehensive coverage, and liability coverage. Drivers can customize their coverage to meet their specific needs and budget.

  • Onlia Phone Number: 1-844-472-7901.
  • Onlia’s Website





Launching as Canada’s first fully online home and auto insurance company in 2016, Sonnet prides itself on its ability to generate quotes in as little as 5 minutes with a sleek and user-friendly website that is easy to navigate. Sonnet is part of the Economical Insurance family and they provide insurance quotes for home and auto, using data analytics and sophisticated technology, it provides a new and innovative way for Canadians to purchase their insurance from the comfort of their own home.

  • Sonnet Phone Number: 1-844-766-6384
  • Sonnet Website



Surex is one of Canada’s fastest growing insurance brokerages. With a focus on their online presence, they make shopping for insurance easy – with a human touch! Since its inception in 2012, Surex has written over $100 million in insurance premiums and provided policies for over thousands of Canadians.

Surex is known for one thing: their dedication to customer service. Whether they are expanding their broker teams, or continuously developing technology for their platform, they are doing it to better serve their consumers.

  • Surex Phone Number: 1-855-697-8739
  • Surex Website


Billyard Insurance Group



The Billyard Insurance Group (BIG) is an award winning IndependentInsurance Brokerage with locations across Ontario. Offering Home, Auto Life & Business Insurance from their network of trusted insurance partners. The BIG will do the hard work on your behalf to find the lowest quotes and best coverage options for your insurance needs. Proudly serving thousands of clients across Ontario. They were the fastest growing insurance company on The Globe & Mail’s most recent top growth companies in Canada list.

  • Billyard Insurance Group Phone Number: 1-844-766-6384
  • Billyard Insurance Group Website



Aviva Canada provides policies to more than three million individuals throughout Canada and is one of the largest insurers in the country. The company offers multiple discounts for policyholders who install an automatic emergency brake system, those who go three years without a conviction, those who are retired, and those who purchase multiple policies with the company. Aviva Canada provides policyholders with access to multiple benefit programs such as a disappearing deductible, conviction protection, roadside assistance, a guarantee that Aviva will satisfactorily settle any claims you may have, and discounts on rental cars, hotel accommodations and services related to trip interruption. Aviva allows you to file a claim either online or via phone. The company does not offer any sort of app at this time. However, representatives are available to be reached by phone at all hours, every day of the week.

  • Aviva Phone Number: 1-866-692-8482
  • Aviva Website


Canadian Auto Association (CAA)


Canadian Auto Association (CAA) was established in 1974. CAA provides vehicle insurance to over six million Canadian citizens. The company offers multiple discount programs to members. These discounts apply to those who hold multiple vehicle policies with CAA, participate in the CAA connect program, or who install snow tires on their vehicles. The CAA connect program rewards members who drive their vehicles safely. The company monitors participants’ driving by providing them with a small device that they attach to their cars, which monitors their driving habits. CAA also offers a Forgive and Forget plan, which allows drivers to receive forgiveness for their first at-fault vehicle accident. CAA has an app that stores members’ insurance information. Members can also use the app to contact the company directly, ask for roadside assistance, find nearby gas stations and research quotes for a new vehicle battery.

  • CAA Phone Number: 1-800-222-4357
  • CAA Website




Allstate was originally founded in the state of Illinois in 1931. After its Canadian expansion in 1953, the company eventually came to be one of the first car insurance companies in Ontario, with its headquarters located in Markham, Ontario. Allstate offers numerous discount programs. Bundling car and property insurance or insuring multiple vehicles entitles policyholders to discounts. Allstate also awards discounts to those who utilize approved anti-theft devices on their vehicles or who install winter tires. Ontario-specific discounts include awards to students under 25 years old who have a good academic record or residents who have a private driveway or garage in their place of residence. Finally, long-time Allstate customers are also eligible for a discount on their policy. The company offers a program known as the Good Hands Network, which ensures that policyholders are able to contact a claims adjuster or broker 24 hours a day, seven days a week, via a variety of channels. Policyholders can communicate using the company website, in person, or over the phone.

  • Allstate Phone Number: 1-800-661-1577
  • Allstate Website




Belairdirect originated in Ontario and Quebec in 1955. Eventually, the company’s reach spread to all of Canada. Belairdirect made history in 1997, when they became the first North American insurance company to offer an online quote. Since then, they have continued to seek out ways to provide innovative and high quality services to their members. Belairdirect offers some of the most affordable Canadian vehicle insurance and seeks to be one of the most inexpensive car insurance companies in Ontario. They also offer a variety of discounts to policyholders. Members are eligible for discounts when they bundle home and vehicle insurance, hold multiple vehicle insurance policies with the company or hold a safe driving record. The company also accepts group rates for those who seek insurance through a company or other type of association. Other programs offered to policyholders include the Auto-Merit program and accident forgiveness for a driver’s first at-fault accident. Belairdirect provides members with multiple methods of communicating with the company. Policyholders are able to use an Online Claim Tracking service to check on the status of their claims.

  • Belairdirect Phone Number: 1-877-228-2656
  • Belairdirect Website



Desjardins Insurance


Desjardins was founded as a credit union in 1900 in Quebec. In addition to functioning as a banking institution, Desjardins provides a variety of products and services, including auto insurance policies. Members are eligible for a variety of discounts for things such as holding multiple vehicle insurance policies, bundling home and vehicle insurance, utilizing certified winter tires, safe driving, obtaining vehicle financing through Desjardins, and owning a vehicle that is electric or a fuel-efficient hybrid. While Desjardins does have an app, the services it offers are geared more towards financial and banking functions. The app does not offer a wide variety of services related to vehicle insurance policy usage. However, Desjardins is available for contact by phone 24 hours a day, seven days a week. The phone number for contacting them is 1-888-776-8343

  • Desjardins Insurance Phone Number: 1-888-776-8343
  • Desjardins Insurance Website





Echelon Insurance was founded in 1998, and became a member of the CAA Club Group family in 2019. As a leading specialty insurer, Echelon works closely with their broker partners to provide Personal and Commercial insurance solutions to protect Canadian families and businesses. They provide specialized products and underwriting services and a sophisticated pricing and analysis of specialty risks. Their personal line includes broker sold personal lines specialty auto, non-standard auto, motorcycle, antique and classic vehicles, trailers, motor homes and recreational vehicles, and personal habitational products. Their commercial line accounts provides specialty insurance programs distributed through managing general agencies, extended warranty, creditor insurance, higher premium property, primary and excess liability coverage, and legal expense.

  • Echelon Phone Number:1-800-324-3566
  • Echelon Website





Economical insurance is one of the leading auto and property insurance providers in Canada. The company was founded in 1871 and is currently headquartered in Waterloo, Ontario. The company offers several different types of discounts for things such as insuring multiple vehicles, driving safely, installing anti-theft systems, and bundling home and vehicle insurance. Policyholders also have access to special programs and discounts. Economical offers special vehicle insurance policies to different types of customers. Group insurance is available for companies or different types of associations. Economical also provides high-risk insurance policies to customers who have bad driving records and are struggling to obtain auto insurance through other companies. In addition to standard auto insurance, Economical also provides special insurance policies for motorcycles, motorhomes, antique vehicles and recreational vehicles. While the company does not currently have an app, they can be reached by phone 24 hours a day, seven days a week at 1-800-607-2424.

  • Economical Phone Number:1-800-607-2424
  • Economical Website



Gore Mutual


Built on a foundation of financial strength for more than 180 years, Gore Mutual Insurance Company is one of Canada’s first property and casualty insurance companies. Based in Cambridge, Ontario, they are a Canadian mutual company, with more than 500 employees focused on delivering outstanding insurance products and services to customers. In 2019, they launched their Next Horizon strategy—a 10-year plan—to transform Gore Mutual from a mid-size regional carrier to a national-scale insurer with an investment of $50 million over three years invested in talent and technology.

  • Gore Mutual Phone Number:1-844-974-4673
  • Gore Mutual Insurance Website





Intact insurance was originally founded in 1809. In the 1950s, a Dutch group purchased the company. Later, in 1991, the company merged with NMB Postbank and created the ING Group. Today, Intact is one the largest vehicle, home and business insurance providers in Canada. The company insures over five million individuals and businesses. Intact offers discounts to customers who participate in their driver education program and to those who bundle their home and auto insurance. Policyholders with good driving habits are also eligible for the my Driving Discount Program. This program utilizes the company’s my Driving app. This app collects information about drivers such as the time of day of their trips and acceleration and braking rates. This app helps drivers to monitor their habits and allows the company to collect information related to a driver’s safety for discount and rate purposes. Intact also offers insurance for recreational vehicles such as motorcycles, boats, snowmobiles, or RVs. The policies provided for these vehicles are tailored to each customer’s specific vehicle. The company also provides coverage for identity theft and liability. Customers can reach Intact 24-7 by calling 1-866-464-2424.

  • Intact Phone Number:1-866-464-2424
  • Intact Insurance Website