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HomeCar Insurance ResourcesTop 10 Best Car Insurance Companies in Ontario

Here is a list of the top 10 best car insurance companies in Ontario, Canada:

  • Intact Insurance
  • The Co-operators
  • Allstate Insurance
  • TD Insurance
  • Desjardins Insurance
  • Belairdirect
  • Aviva Canada
  • Johnson Insurance
  • Economical Insurance
  • Wawanesa Insurance

It’s important to note that this list is not exhaustive, and there may be other insurance companies in Ontario that offer great coverage and services as well. When choosing an insurance company, it’s recommended to compare quotes from multiple providers and consider factors such as coverage options, discounts, customer service, and financial stability.

The Co-operators

Cooperators-car-insurance

The Co-operators is a Canadian insurance company that offers a range of insurance products, including car insurance. Here’s a brief overview of what customers are saying about The Co-operators:

Pros:

  • Good customer service: Many customers praise the company’s friendly and helpful customer service representatives.
  • Competitive rates: The Co-operators is often considered to offer competitive rates compared to other insurance companies.
  • Range of coverage options: The company offers a variety of coverage options, allowing customers to choose a policy that meets their specific needs.

Cons:

  • Claims process: Some customers have reported that the claims process can be slow or difficult to navigate.
  • Limited discounts: Some customers feel that the company does not offer as many discounts as other insurance providers.

Overall, The Co-operators is generally well-regarded by customers and is considered a reliable insurance provider. However, as with any insurance company, it’s important to compare quotes from multiple providers and consider your specific needs and budget when choosing a policy.

The Co-operators Customer Reviews

Here are some reviews and star ratings for The Co-operators based on various sources:

  • Google Reviews: 4.5 stars (based on 22 reviews)
  • Consumer Affairs: 3.5 stars (based on 146 reviews)
  • Insureye: 3.8 stars (based on 264 reviews)
  • BBB (Better Business Bureau): A+ rating, but not accredited

Here are some comments and feedback from reviewers:

  • Positive comments: Friendly and helpful customer service, easy claims process, competitive rates and discounts, comprehensive coverage options, good experience overall.
  • Negative comments: Long wait times on the phone, difficulty getting in touch with a representative, slow claims processing, difficulty making changes to policies, high rates for some individuals.

It’s important to note that individual experiences may vary and it’s a good idea to research and compare multiple insurance providers to find the best coverage and rates for your specific needs.

The Personal Insurance

The Personal Insurance is a Canadian insurance company that provides a range of insurance products, including car insurance. Here are some pros and cons of The Personal Insurance:

Pros:

  • Competitive rates and discounts: The Personal Insurance offers competitive rates and discounts for drivers, which can help you save money on your car insurance.
  • Coverage options: The Personal Insurance provides a range of coverage options to choose from, including liability, collision, and comprehensive coverage.
  • Online tools: The Personal Insurance offers online tools and resources to help you manage your policy, file a claim, and more.
  • Multi-policy discounts: The Personal Insurance offers multi-policy discounts for customers who bundle their car insurance with other insurance products, such as home insurance.
  • Mobile app: The Personal Insurance has a mobile app that allows you to manage your policy, file a claim, and more from your smartphone.

Cons:

  • Poor customer service: The Personal Insurance has received negative reviews for their customer service, including long wait times on the phone, poor communication, and unresponsiveness to customer needs and concerns.
  • Limited availability: The Personal Insurance is not available in all Canadian provinces, so it may not be an option for all drivers.
  • Limited coverage options: The Personal Insurance may not offer all the coverage options you need or want for your car insurance policy, so it’s important to research and compare multiple providers to find the best coverage for your individual needs.

Overall, The Personal Insurance may be a good choice for drivers looking for competitive rates and coverage options, but it’s important to consider the company’s customer service and availability before making a decision.

The Personal Insurance Customer Reviews

Here are some reviews and star ratings for The Personal Insurance based on various sources:

  • Google Reviews: 2.1 stars (based on 32 reviews)
  • Consumer Affairs: 2.1 stars (based on 48 reviews)
  • Insureye: 2.5 stars (based on 37 reviews)
  • BBB (Better Business Bureau): A+ rating, but not accredited

Here are some comments and feedback from reviewers:

  • Positive comments: Competitive rates and discounts, good coverage options, easy claims process, helpful and knowledgeable customer service representatives.
  • Negative comments: Poor customer service, long wait times on the phone, slow claims processing, poor communication, unresponsive to customer needs and concerns.

It’s important to note that individual experiences may vary and it’s a good idea to research and compare multiple insurance providers to find the best coverage and rates for your specific needs.

Aviva Canada

aviva car insurance

Aviva Canada is one of the largest insurance companies in Canada and provides a range of insurance products, including home, auto, and life insurance. The company has a reputation for offering comprehensive insurance coverage and a range of options to meet the needs of its customers.

Some customers have reported positive experiences with Aviva Canada, praising the company’s customer service and the ease of making claims. Others have had negative experiences, with complaints about long wait times for claims processing and the company’s handling of claims.

Pros of Aviva Canada:

  1. Comprehensive coverage options: Aviva Canada offers a wide range of insurance products, including home, auto, life, and travel insurance, allowing customers to find the coverage they need to protect themselves and their assets.
  2. Strong financial stability: Aviva Canada is part of the Aviva Group, one of the largest insurance companies in the world, which provides reassurance to customers that the company is able to meet its financial obligations.
  3. Convenient claims process: Many customers have praised the ease of making claims with Aviva Canada, with some reporting that the process was straightforward and hassle-free.
  4. Good customer service: Some customers have reported positive experiences with Aviva Canada’s customer service, praising the helpful and friendly staff.

Cons of Aviva Canada:

  1. Long wait times for claims processing: Some customers have reported that they had to wait a long time for their claims to be processed, which can be frustrating and cause undue stress.
  2. Poor handling of claims: Some customers have reported that Aviva Canada was slow to respond to their claims or did not handle their claims fairly, which can be a source of dissatisfaction.
  3. Higher premiums: Some customers have reported that Aviva Canada’s insurance premiums are higher compared to other insurance providers, which may not be affordable for everyone.
  4. Limited coverage options: Some customers have reported that Aviva Canada’s insurance coverage options are limited, which may not meet the needs of all customers.

Aviva Canada Customer Reviews

Here are some reviews and star ratings for Aviva Canada based on various sources:

  • Google Reviews: 2.7 stars (based on 19 reviews)
  • Consumer Affairs: 3.7 stars (based on 112 reviews)
  • Insureye: 3.5 stars (based on 189 reviews)
  • BBB (Better Business Bureau): A+ rating, but not accredited

Here are some comments and feedback from reviewers:

  • Positive comments: Good coverage options, competitive rates and discounts, easy claims process, helpful and knowledgeable customer service representatives, good experience overall.
  • Negative comments: Poor customer service, long wait times on the phone, slow claims processing, difficulty getting in touch with a representative, high rates for some individuals.

It’s important to note that individual experiences may vary and it’s a good idea to research and compare multiple insurance providers to find the best coverage and rates for your specific needs.

Intact Financial Corporation 

intact-car-insurance

Intact Insurance Canada is one of the largest insurance companies in Canada, providing a range of insurance products including home, auto, business, and life insurance. The company has a reputation for offering comprehensive insurance coverage and a range of options to meet the needs of its customers.

Some customers have reported positive experiences with Intact Insurance Canada, praising the company’s online services and the convenience of policy management. Others have had negative experiences, with complaints about high premiums and slow claims processing.

Pros of Intact Insurance Canada:

  1. Wide range of coverage options: Intact Insurance Canada offers a variety of insurance products, including home, auto, business, and life insurance, allowing customers to find the coverage they need to protect themselves and their assets.
  2. Strong financial stability: Intact Insurance Canada is one of the largest insurance companies in Canada and has a strong reputation for financial stability, providing reassurance to customers that the company is able to meet its financial obligations.
  3. Convenient online services: Intact Insurance Canada offers a range of online services, including policy management and claims reporting, making it easy for customers to manage their insurance coverage and make claims.
  4. Good customer service: Some customers have reported positive experiences with Intact Insurance Canada’s customer service, praising the helpful and friendly staff.

Cons of Intact Insurance Canada:

  1. High premiums: Some customers have reported that Intact Insurance Canada’s insurance premiums are higher compared to other insurance providers, which may not be affordable for everyone.
  2. Slow claims processing: Some customers have reported that Intact Insurance Canada’s claims processing can be slow, leading to frustration and stress.
  3. Limited coverage options: Some customers have reported that Intact Insurance Canada’s insurance coverage options are limited, which may not meet the needs of all customers.
  4. Poor handling of claims: Some customers have reported that Intact Insurance Canada did not handle their claims fairly or were slow to respond to their claims, which can be a source of dissatisfaction.

Intact Financial Corporation Customer Reviews

Here are some reviews and star ratings for Intact Financial Corporation based on various sources:

  • Google Reviews: 3.3 stars (based on 41 reviews)
  • Consumer Affairs: 2.2 stars (based on 64 reviews)
  • Insureye: 2.6 stars (based on 148 reviews)
  • BBB (Better Business Bureau): A+ rating, but not accredited

Here are some comments and feedback from reviewers:

  • Positive comments: Good coverage options, competitive rates and discounts, helpful and knowledgeable customer service representatives, easy claims process, good experience overall.
  • Negative comments: Poor customer service, long wait times on the phone, slow claims processing, difficulty getting in touch with a representative, high rates for some individuals.

It’s important to note that individual experiences may vary and it’s a good idea to research and compare multiple insurance providers to find the best coverage and rates for your specific needs.

Desjardins Group

desjardins-insurance

Desjardins Insurance is a Canadian insurance company that offers a range of insurance products, including car insurance. Desjardins car insurance policies are designed to provide coverage for both personal and business use vehicles.

Desjardins car insurance policies are available in several coverage options, including third-party liability, collision and comprehensive coverage, and direct compensation property damage (DCPD). The company also offers several discounts and additional coverage options, such as automatic coverage for newly acquired vehicles and coverage for loss or damage to personal belongings in the vehicle.

In terms of customer satisfaction, Desjardins Insurance generally receives positive reviews from customers. Policyholders praise the company for its competitive prices and good customer service. Some customers have also noted the convenience of being able to manage their policy online through the Desjardins Insurance website.

Pros of Desjardins Car Insurance:

  1. Competitive Pricing: Desjardins is known for offering competitive car insurance rates compared to other insurance providers in the market.
  2. Wide Range of Coverage Options: Desjardins offers a variety of coverage options, allowing customers to tailor their insurance policy to meet their specific needs.
  3. Good Customer Service: Many policyholders have reported positive experiences with Desjardins’ customer service, praising the company for its responsiveness and helpfulness.
  4. Convenient Online Policy Management: Desjardins Insurance offers online policy management, allowing customers to access their policy information, make changes, and file claims from the comfort of their own homes.

Cons of Desjardins Car Insurance:

  1. Limited Availability: Desjardins Insurance is only available in Canada, so it may not be an option for those living outside of the country.
  2. Limited Online Resources: While Desjardins Insurance offers online policy management, some customers have reported that the company’s online resources could be more extensive and user-friendly.
  3. Claims Processing Time: Some policyholders have reported longer-than-expected claims processing times with Desjardins Insurance, which can be a drawback for those who need to get their claims resolved quickly.

It’s important to keep in mind that car insurance providers and their policies can vary greatly based on factors such as location, driving history, a

Desjardins Group Customer Reviews

Here are some reviews and star ratings for Desjardins Group based on various sources:

  • Google Reviews: 2.8 stars (based on 32 reviews)
  • Consumer Affairs: 1.8 stars (based on 10 reviews)
  • Insureye: 2.4 stars (based on 88 reviews)
  • BBB (Better Business Bureau): A+ rating, but not accredited

Here are some comments and feedback from reviewers:

  • Positive comments: Good coverage options, competitive rates and discounts, easy claims process, helpful and knowledgeable customer service representatives.
  • Negative comments: Poor customer service, long wait times on the phone, slow claims processing, difficulty getting in touch with a representative, unresponsive to customer needs and concerns.

It’s important to note that individual experiences may vary and it’s a good idea to research and compare multiple insurance providers to find the best coverage and rates for your specific needs.

Belairdirect

Belairdirect car insurance

Belairdirect is a Canadian insurance company that offers a range of insurance products, including car insurance. Belairdirect car insurance policies are designed to provide coverage for both personal and business use vehicles.

Belairdirect car insurance policies are available in several coverage options, including third-party liability, collision and comprehensive coverage, and direct compensation property damage (DCPD). The company also offers additional coverage options, such as automatic coverage for newly acquired vehicles, coverage for loss or damage to personal belongings in the vehicle, and rental car coverage.

In terms of customer satisfaction, Belairdirect generally receives positive reviews from policyholders. Customers praise the company for its competitive prices and good customer service. Some customers have also noted the convenience of being able to manage their policy online through the Belairdirect website.

Pros of Belairdirect Car Insurance:

  1. Competitive Pricing: Belairdirect is known for offering competitive car insurance rates compared to other insurance providers in the market.
  2. Wide Range of Coverage Options: Belairdirect offers a variety of coverage options, allowing customers to tailor their insurance policy to meet their specific needs.
  3. Good Customer Service: Many policyholders have reported positive experiences with Belairdirect’s customer service, praising the company for its responsiveness and helpfulness.
  4. Convenient Online Policy Management: Belairdirect offers online policy management, allowing customers to access their policy information, make changes, and file claims from the comfort of their own homes.

Cons of Belairdirect Car Insurance:

  1. Limited Availability: Belairdirect is only available in Canada, so it may not be an option for those living outside of the country.
  2. Limited Online Resources: While Belairdirect offers online policy management, some customers have reported that the company’s online resources could be more extensive and user-friendly.
  3. Claims Processing Time: Some policyholders have reported longer-than-expected claims processing times with Belairdirect, which can be a drawback for those who need to get their claims resolved quickly.

Belairdirect Customer Reviews

Here are some reviews and star ratings for Belairdirect based on various sources:

  • Google Reviews: 2.0 stars (based on 166 reviews)
  • Consumer Affairs: 1.8 stars (based on 44 reviews)
  • Insureye: 2.0 stars (based on 240 reviews)
  • BBB (Better Business Bureau): A+ rating, but not accredited

Here are some comments and feedback from reviewers:

  • Positive comments: Good coverage options, competitive rates and discounts, easy claims process, helpful and knowledgeable customer service representatives.
  • Negative comments: Poor customer service, long wait times on the phone, slow claims processing, difficulty getting in touch with a representative, high rates for some individuals.

It’s important to note that individual experiences may vary and it’s a good idea to research and compare multiple insurance providers to find the best coverage and rates for your specific needs.

TD Insurance

TD Insurance is a subsidiary of TD Bank Group and is a Canadian insurance company that offers a range of insurance products, including car insurance. TD Insurance car insurance policies are designed to provide coverage for both personal and business use vehicles.

TD Insurance car insurance policies are available in several coverage options, including third-party liability, collision and comprehensive coverage, and direct compensation property damage (DCPD). The company also offers several discounts and additional coverage options, such as coverage for loss or damage to personal belongings in the vehicle and roadside assistance.

In terms of customer satisfaction, TD Insurance generally receives positive reviews from policyholders. Customers praise the company for its competitive prices and good customer service. Some customers have also noted the convenience of being able to manage their policy online through the TD Insurance website.

Pros of TD Car Insurance:

  1. Wide Range of Coverage Options: TD Insurance offers a variety of coverage options, allowing customers to tailor their insurance policy to meet their specific needs.
  2. Good Customer Service: Many policyholders have reported positive experiences with TD Insurance’s customer service, praising the company for its responsiveness and helpfulness.
  3. Convenient Online Policy Management: TD Insurance offers online policy management, allowing customers to access their policy information, make changes, and file claims from the comfort of their own homes.
  4. Discounts: TD Insurance offers several discounts for things like bundling multiple insurance policies, being a member of a professional association, and having a clean driving record.

Cons of TD Car Insurance:

  1. Limited Availability: TD Insurance is only available in Canada, so it may not be an option for those living outside of the country.
  2. Claims Processing Time: Some policyholders have reported longer-than-expected claims processing times with TD Insurance, which can be a drawback for those who need to get their claims resolved quickly.
  3. Limited Online Resources: While TD Insurance offers online policy management, some customers have reported that the company’s online resources could be more extensive and user-friendly.

TD Insurance Customer Reviews

Here are some reviews and star ratings for TD Insurance based on various sources:

  • Google Reviews: 2.0 stars (based on 109 reviews)
  • Consumer Affairs: 1.7 stars (based on 71 reviews)
  • Insureye: 2.1 stars (based on 162 reviews)
  • BBB (Better Business Bureau): A+ rating, but not accredited

Here are some comments and feedback from reviewers:

  • Positive comments: Good coverage options, competitive rates and discounts, easy claims process, helpful and knowledgeable customer service representatives.
  • Negative comments: Poor customer service, long wait times on the phone, slow claims processing, difficulty getting in touch with a representative, high rates for some individuals.

It’s important to note that individual experiences may vary and it’s a good idea to research and compare multiple insurance providers to find the best coverage and rates for your specific needs.

Allstate Insurance

Allstate is a well-known insurance company that operates in both the United States and Canada. In Canada, Allstate offers a range of insurance products, including car insurance.

Allstate car insurance policies in Canada are designed to provide coverage for a variety of needs and budgets, with options for third-party liability, collision and comprehensive coverage, and other add-ons such as coverage for loss or damage to personal belongings in the vehicle.

Customers generally have positive experiences with Allstate’s car insurance policies in Canada. Policyholders praise the company for its competitive pricing, good customer service, and convenient online policy management.

However, as with any insurance company, there are also some drawbacks to Allstate car insurance. Some customers have reported longer-than-expected claims processing times and limitations in the coverage options available.

Pros of Allstate Canada Car Insurance:

  1. Competitive Pricing: Allstate is known for offering competitive car insurance rates in Canada.
  2. Good Customer Service: Many policyholders have reported positive experiences with Allstate’s customer service, praising the company for its responsiveness and helpfulness.
  3. Convenient Online Policy Management: Allstate offers online policy management, allowing customers to access their policy information, make changes, and file claims from the comfort of their own homes.
  4. Wide Range of Coverage Options: Allstate offers a variety of coverage options, including third-party liability, collision and comprehensive coverage, and add-ons such as coverage for loss or damage to personal belongings in the vehicle.

Cons of Allstate Canada Car Insurance:

  1. Claims Processing Time: Some policyholders have reported longer-than-expected claims processing times with Allstate, which can be a drawback for those who need to get their claims resolved quickly.
  2. Limited Availability: Allstate car insurance is only available in Canada, so it may not be an option for those living outside of the country.
  3. Limited Discounts: Some customers have reported that the discounts offered by Allstate are limited compared to other insurance companies.

It’s important to keep in mind that car insurance rates and customer experiences can vary greatly depending on a number of factors, such as your driving history, the type of vehicle you drive, and where you live. Before purchasing car insurance from any company, it’s always a good idea to compare quotes from multiple providers to find the best coverage for your needs and budget.

Allstate Insurance Customer Reviews

Here are some reviews and star ratings for Allstate Insurance based on various sources:

  • Google Reviews: 3.3 stars (based on 132 reviews)
  • Consumer Affairs: 3.4 stars (based on 514 reviews)
  • Insureye: 3.1 stars (based on 611 reviews)
  • BBB (Better Business Bureau): A+ rating, but not accredited

Here are some comments and feedback from reviewers:

  • Positive comments: Good coverage options, competitive rates and discounts, helpful and knowledgeable customer service representatives, easy claims process, good experience overall.
  • Negative comments: Poor customer service, long wait times on the phone, slow claims processing, difficulty getting in touch with a representative, high rates for some individuals.

It’s important to note that individual experiences may vary and it’s a good idea to research and compare multiple insurance providers to find the best coverage and rates for your specific needs.

About the Author: Valerie D. Hahn

Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.

8 Comments

  1. REKHA MATHUR 19 April 2019 at 7:54 am - Reply

    6 if insurance in america means only car home and life insurance

  2. JF 26 April 2019 at 3:47 pm - Reply

    The blog writes: “In Ontario, the private car insurance industry is abuzz with competition and choices. No wonder that the price that you pay is much higher when you compare to other provinces.”

    This makes no sense. Prices are higher due to risk factors, not competition.

  3. Basilratnarajah Stanislaus 17 September 2019 at 9:52 pm - Reply

    My insurance going to expired 10/27

  4. Trevor 10 November 2019 at 10:07 pm - Reply

    Yeah right..Aviva is the worst insurance company out there. Just read reviews about that place. My father and I were long time customers..After Aviva tried to up the premium for no reason..we come to find out we were paying twice that of other insurers. I wont even start on the customer service.

  5. Anthony Bagshaw 28 March 2020 at 3:25 pm - Reply

    I have answered all questions as best I can. My wife will also be interested in the car insurance. Plus may be I will be interested In house insurance also.

  6. sindhu 3 February 2021 at 10:39 pm - Reply

    There are 26 instructors working in my school and we got group insurance from Cowan Insurance Broker last year and it will be renewed in April 2021.
    Can you do group insurance?

  7. Adrian 8 September 2022 at 3:58 pm - Reply

    I would like to see the range of prices for the policies from these comapnies

  8. Phil and Beth Nelson 13 February 2023 at 10:30 am - Reply

    Valerie
    Thank you for the comparisons that you have provided. I am currently looking at the possibility of changing to another insurance company. I am looking for one based in Sarnia. although we have never had any claims or tickets it alarms us as 70 year olds how insurance has risen. Any suggestions would be greatly appreciated.

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