Insurance in Toronto, Ontario | AccesDirect

◉ TORONTO, ONTARIO · SINCE 1997

Insurance in Toronto.
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Compare quotes from 20+ Ontario insurance carriers through our RIBO-licensed partner brokerages. AccesDirect is an independent pan-Canadian comparator — free, no obligation, 2 minutes.

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2.9M
Population
$1,650
Avg auto premium/yr
$1,400
Avg home premium/yr
20+
Carriers compared
Coverage in Toronto

Insurance products in Toronto

Auto, home, condo, tenant — everything covered through RIBO-licensed brokers who know Greater Toronto Area (GTA).

Auto insurance

Third-party liability, DCPD, SABS, collision. Postal codes M1–M9. Ontario no-fault system.

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Home insurance

Homeowner, condo, tenant. Fire, water damage, liability, replacement cost coverage.

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Business insurance

Commercial general liability, business property, professional liability for Toronto SMBs.

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Travel insurance

Emergency medical, trip cancellation, baggage. Single-trip or annual multi-trip.

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Local coverage

Toronto neighborhoods

Our partner brokerages cover all of Toronto and the Greater Toronto Area (GTA).

📍 Downtown📍 North York📍 Scarborough📍 Etobicoke📍 York

Nearby cities we also serve:

MississaugaVaughanMarkhamBrampton
Compliance & trust

Regulated. Independent. Since 1997.

🏛️ FSRA regulated industry
📜 RIBO-licensed brokers
⚡ 20+ carriers
💯 Free service

Ontario auto and home insurance is regulated by the Financial Services Regulatory Authority (FSRA). Your quote is provided by a RIBO-licensed broker (Registered Insurance Brokers of Ontario). AccesDirect is an independent comparator that routes your request — we do not sell insurance.

FAQ

Toronto insurance — common questions

How much does auto insurance cost in Toronto?
The average premium in Toronto is roughly $1650/year, but this varies with your driving record, vehicle, exact postal code and coverage limits. Comparing 20+ carriers via a RIBO-licensed partner brokerage typically saves $200–$700/year.
Is Toronto regulated by FSRA?
Yes. All Ontario auto and home insurance is regulated by the Financial Services Regulatory Authority (FSRA). Quotes are provided by RIBO-licensed brokers (Registered Insurance Brokers of Ontario). AccesDirect is an independent comparator that routes your request to these partner brokerages.
What coverage do I need in Ontario?
Mandatory: third-party liability (min $200k; $1M–2M recommended), Statutory Accident Benefits (SABS), Direct Compensation (DCPD), Uninsured Automobile. Optional but recommended: Collision & Comprehensive, OPCF 44R Family Protection.
Do you also offer home insurance in Toronto?
Yes. Our RIBO-licensed partner brokerages provide quotes for home, condo, tenant and landlord policies across Toronto and surrounding areas.
Is AccesDirect free?
Yes. AccesDirect is a comparison platform — we connect you with RIBO-licensed partner brokerages at no cost. Partner brokers are compensated by insurers, not by you.

Start your Toronto quote

Free comparison. 2 minutes. No obligation. Your request goes to a RIBO-licensed Ontario partner brokerage.

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⚠️ This service is exclusively for Ontario residents.