Auto Insurance Broker in Toronto and Ontario
Drive with peace of mind
Whatever you drive, we can help you find coverage that fits how you use it. Insurewise is an independent broker in North York, Toronto. We compare auto insurance options from the insurers we work with for cars, trucks, vans, motorcycles and other vehicles, so you can choose with a clear picture.
Tell us about your vehicle and your driving, and we will explain your options in plain words.
Auto insurance through an independent broker
Whether you drive a car, truck, van, motorcycle or another type of vehicle, we can talk through coverage built around your needs. Because we are not tied to one insurance company, we can look at options from the insurers we work with and show you what each one includes.
If you have an unusual vehicle or situation, call us to confirm what we can arrange. Vehicles used for business are treated differently, and our commercial insurance page explains more.
What Ontario auto insurance includes
Ontario requires every auto policy to include third-party liability, accident benefits and uninsured automobile coverage. The legal minimum for third-party liability is $200,000, and many people choose a higher limit.
Third-party liability
Helps pay if you are responsible for injuring someone or damaging their property with your vehicle, including legal costs.
Accident benefits
Medical, rehabilitation and attendant care benefits are the standard part of every policy. They help if you are hurt in an accident, no matter who caused it. Other accident benefits, such as income replacement, became optional on 1 July 2026 (see below).
Direct compensation property damage
Usually part of a standard policy. Helps pay to repair or replace your vehicle and its contents when another driver is at fault, through your own insurer.
Uninsured automobile
Helps if you are hurt or your vehicle is damaged by a driver who has no insurance, or by a hit and run.
What changed in Ontario auto insurance in July 2026
On 1 July 2026, some accident benefits became optional. Medical, rehabilitation and attendant care benefits are still part of every policy. Income replacement, non-earner, caregiver, lost educational expenses, expenses of visitors, housekeeping and home maintenance, damage to personal items, death and funeral benefits are now optional. Optional benefits apply only to the named insured, their spouse, dependants and listed drivers.
If you already have a policy, it renews with your current coverage and limits unless you agree in writing to change it. When you buy a new policy or choose your options, check what you may already have through work or a benefits plan, so you do not pay twice for the same thing. Removing optional benefits may change your premium. Ask us what each option does. We will explain it, but the choice is yours.
Optional coverage you can add
Beyond the standard package, you can add extra protection. Ask us what fits your car and how you drive.
Collision
Helps pay to repair or replace your vehicle after a collision, whether or not you are at fault. A deductible usually applies.
Comprehensive
Covers things like theft, vandalism, fire, hail and hitting an animal. A deductible usually applies here too.
Optional endorsements
Add-ons such as a rental car while yours is being repaired, or protection for a newer vehicle. What is offered depends on the insurer.
What affects your car insurance quote
Every insurer weighs things a little differently. The Financial Services Regulatory Authority of Ontario (FSRA) lists factors like these:
- Your driving record, including tickets and convictions
- Your age and how long you have been licensed
- The vehicle you drive, including repair costs and theft risk
- How many kilometres you drive a year, and whether you commute
- Where you live
- Your claims history
- The coverage and deductible you choose (a lower deductible usually means a higher premium)
Comparing several insurers is the easiest way to see how these factors play out for you.
Tickets, at-fault claims and new drivers
A recent ticket, an at-fault claim or limited driving experience can raise your price. Insurers weigh these differently, so the price can vary from one insurer to the next. That is where a broker helps: we can look across the insurers we work with. We cannot promise coverage or a price, but we will tell you honestly what we find.
What to have ready when you call
You do not need everything to start, but these make a quote faster:
- Your driver's licence details
- Your vehicle information, including the VIN
- Your current policy or renewal date
- Your driving and claims history
Bundle auto with home, condo or renters
Many insurers offer discounts when you insure more than one thing with them. Ask us to look at both your car and your home insurance, condo insurance or renters insurance together.
Coverage, eligibility and pricing depend on the insurer's underwriting and the policy wording. Information on this site is general and is not a quote or a policy.
Related coverage
- Home insuranceProtection for your house, your belongings and your liability if someone is hurt on your property.
- Condo insuranceCover for your unit, your upgrades and your things, on top of what the condo corporation insures.
- Renters insuranceTenant insurance for your belongings and your liability in an apartment or rented home.
- Business insuranceCommercial coverage for your property, your liability and the way your business runs.
Auto insurance questions
Still wondering about something? Call 416-383-0901 and ask, or see our contact page for the address and email.
Yes. To drive a vehicle in Ontario you need at least the mandatory coverages in a standard auto policy. Driving without insurance can lead to fines and other penalties. The Financial Services Regulatory Authority of Ontario (FSRA) explains the requirements on its auto insurance pages.
The legal minimum for third-party liability is $200,000. Many drivers choose a higher limit for extra protection. We will not tell you what amount to pick, but we can explain how different limits work and compare what insurers offer for them.
Yes, we help with cars, trucks, vans, motorcycles and other vehicles. Please call us to confirm your situation, since vehicles used for business are a different product and some vehicles need special handling. We will tell you what we can arrange.
Ontario insurers must offer a discount if you install winter tires. The amount and how to qualify depend on the insurer. Ask us when you get a quote and we will check how it applies to your policy.
You can ask us to review your policy at any time. It helps to call before your renewal date so there is time to compare options without a rush.
Your rate depends on your driving record, age and experience, the vehicle, how many kilometres you drive, where you live, your claims history, and the coverage and deductible you choose. Each insurer weighs these differently. Tell us about your situation and we will compare what the insurers we work with offer.
It varies a lot by driver, vehicle and location, so we cannot give a number until we know your details. Two people with the same car can pay very different prices. FSRA explains how rates are set on its website. Call us or send the form and we will quote your situation.
Since 1 July 2026, only medical, rehabilitation and attendant care benefits are mandatory. Income replacement, caregiver, housekeeping, death and funeral benefits, and several others are optional. Existing policies renew with the same coverage unless you agree in writing to change it. Ask us what each option does, and check your work benefits.
It can raise your price, because insurers see recent convictions, at-fault claims and limited experience as higher risk. Insurers weigh these differently, so quotes can vary. A broker can look across several insurers for you. We cannot promise coverage or a price, but call us and we will see what is available.
Sources: FSRA, auto insurance, FSRA, what determines your auto insurance rate, FSRA, how to save on auto insurance, IBC, Ontario auto insurance changes
Get an auto insurance quote
Tell us about your vehicle and your driving. We will come back with options and explain them in plain words.