Find Your Best Car Insurance Provider in Ontario
To make it easier for insurance shoppers looking for vehicle insurance in Ontario, MyChoice has researched the provincial car insurance market and put together a shortlist of insurance corporations, direct writers, brokerage firms and retail brands to consider.
A proprietary MyChoice review determined which companies appear below. The assessment considered price, available coverage, customer and claims service, rate stability, discounts and recognition within the industry.
How to Read Our List
Our list represents our top choices in rank order based on our assessment. Depending on your particular criteria and needs, you may find that a carrier or agency further down the list is a better option for you.
Rate stability is not assessed for brokerages because brokerages do not file rates.
| Company | Category | Types of auto insurance sold | Recent Ontario rate trend | Rewards | Awards and recognition |
|---|---|---|---|---|---|
| Billyard Insurance Group | Brokerage | All vehicle types | N/A | Carrier discounts through partner insurers | IBC Digital Innovation in a Brokerage, 2024 |
| Desjardins | Insurance company | Standard, recreational and commercial | Decreasing in 2026 | Green vehicle, multi-vehicle and loyalty discounts | 5-Star Claims, 2026; Top Employer |
| Aviva | Insurance company | Standard, rideshare, classic, recreational and commercial | Mixed | EV coverage, InsureMyTesla and Journey rewards | 5-Star Claims, 2026; Greater Toronto’s Top Employer, 2026 |
| Co-operators | Direct insurer | Rideshare, classic and commercial options | Mixed | Group discounts and anti-theft rebate | 5-Star Claims, 2026; Top Employer |
| Wawanesa | Insurance company | Standard, recreational and commercial | Decreasing in 2026 | Usage-based rewards | 5-Star Claims, 2026 |
| Economical | Insurance company | Standard, recreational, commercial and Uber rideshare | Decreasing in 2026 | Loyalty and clean-driving discounts | 5-Star Claims, 2026 |
| Surex | Brokerage | All vehicle types through a range of insurers | N/A | Carrier and bundling discounts | Top Insurance Employers, 2025 |
| TD Insurance | Insurance company | Standard, recreational and commercial | Stable | Group and affinity programs | 5-Star Claims, 2026 |
| Gore Mutual | Insurance company | Standard, classic, recreational and commercial | Decreased in 2025 | Drive Good rewards and bundling | Southwestern Ontario and Waterloo Area Top Employers |
| Belairdirect | Direct insurer owned by Intact | Standard, rideshare and RV insurance | Increased in 2025 | Low-mileage and bundling discounts | N/A |
| Allstate | Insurance company | Standard, classic, recreational and commercial; high-risk through Pafco | Mixed | Drivewise and claims-free benefits | N/A |
| PC Insurance | Insurance agency offering Aviva products | Personal auto and motorcycle | Decreasing in 2026 | PC Optimum points | N/A |
| Square One | Insurance agency offering Zurich products | Standard personal auto | Increasing in 2026 | Customization and bundling | N/A |
| Jevco | Insurance company | Non-standard and high-risk auto | Stable | Bundling and multi-vehicle discounts | N/A |
| Coachman | Insurance company | Non-standard auto and commercial | Increased in 2025 | Retiree, new-driver and graduate discounts | N/A |
Best Car Insurance in Ontario by Type
There’s no such thing as a company that provides the best coverage for everyone. That’s why we’ve categorized the top car insurance companies by what they do well. Hopefully, this will make it easier for you to determine which auto insurance company is best for your situation. What’s best for me might not be best for you.
Drivers are encouraged to do more research or talk to a broker to determine the best insurance for their needs. Recommendations are based on our research.
Awards and Recognition
We included only verifiable awards from 2024 to 2026. To be considered verifiable, the award had to identify a legitimate third party and the recipient.
Verified recent awards include:
- Billyard Insurance Group — IBC Digital Innovation in a Brokerage, 2024
- Surex — IB Top Insurance Employers, 2025
- Aviva — IB 5-Star Claims, 2026
- Economical/Definity — IB 5-Star Claims, 2026
- TD Insurance — IB 5-Star Claims, 2026
- Desjardins — IB 5-Star Claims, 2026
- Wawanesa — IB 5-Star Claims, 2026
- Co-operators — IB 5-Star Claims, 2026
- Gore Mutual — Southwestern Ontario and Waterloo Area Top Employers
Our Methodology
To find the best Ontario companies, MyChoice created a proprietary scoring model with seven criteria:
- Price and overall value: 30%
- Breadth of coverage and fit: 20%
- Customer service and claims satisfaction: 15%
- Premium rate stability based on FSRA-approved filings: 15%
- Discounts and telematics: 10%
- Awards and recognition: 5%
- Financial strength and presence: 5%
Instead of depending on one public rating, we compared performance across every category to find companies that repeatedly offer Ontario motorists strong value.
The ranking shows our overall assessment, but an individual driver’s best insurer will still depend on price, required coverage, driving history, and discount eligibility.
Frequently Asked Questions
What Is the Best Car Insurance Company in Ontario?
There is no best car insurance company for everyone. The best insurer will vary according to the driver, the kind of car driven, and the postal code.
All the companies we shortlisted performed well in our review.
Who Has the Cheapest Car Insurance in Ontario?
Using the same driver profile is an effective way to compare quotes from different companies.
The cheapest insurance company varies from driver to driver because prices depend on location, vehicle, driving history and coverage choices. Use the MyChoice car insurance quoter to compare quotes from insurers.
Which Ontario Car Insurers Lowered Rates in 2026?
The Personal, Co-operators, Aviva General, Allstate, Pembridge and Economical are among the insurers with FSRA-approved rate filings that included decreases during 2026.
Is a Broker or Direct Insurer Better in Ontario?
Neither option is better than the other. Brokers such as Billyard or Surex can shop around with different insurance companies and help you during a claim.
If you know exactly what kind of insurance you need, buying directly from a company such as Belairdirect or TD may be easier.
What does “types of auto insurance sold” mean on the table?
Our list includes all auto insurance products from auto insurance companies that do business in Ontario. Types of auto insurance on the list include rideshare, high-risk, motorcycle, RV, classic car, and commercial insurance, among others.
Is It Worth Switching Car Insurance in Ontario?
Often, yes. Insurers regularly submit new FSRA-approved rate changes, so the best price for one profile can change from year to year.
A driver may switch at renewal or partway through a term, although a short-rate penalty may apply. Comparing prices before renewal can help you avoid paying too much.
Does MyChoice Get Paid to Feature Insurers on This List?
No. The position in which we place companies on this list does not depend on commercial agreements.
All companies are analyzed using the same methodology described here. This methodology also applies to insurers whose products are not available through MyChoice.
What Does “Types of Auto Insurance Sold” Mean?
Our list includes auto insurance products available from companies that do business in Ontario. These may include rideshare, high-risk, motorcycle, RV, classic-car and commercial insurance.