Best Car Insurance Providers in Canada for 2025: Reviews & Rates

Choosing the best car insurance provider in Canada for 2025 isn’t just about finding the lowest rate—it’s also about service, claims support, coverage options, and digital experience. Whether you’re a first-time driver, newcomer, or looking to switch insurers, this guide compares top-rated companies across provinces to help you make an informed decision.

What Makes a Good Car Insurance Provider?

While cost is a big factor, it’s not the only one. The best insurers in Canada provide:

• Competitive pricing and bundling discounts
• Fast and fair claims process
• Clear policy options and add-ons
• Easy-to-use apps and digital claims tools
• Excellent customer service and transparency

Top 7 Car Insurance Providers in Canada (2025)

1. Intact Insurance

• Available in: All provinces except British Columbia (ICBC)
• Highlights: Fast claims response, great bundling offers, strong digital tools

Canada’s largest private insurer. Known for reliable service, helpful claims adjusters, and user-friendly mobile app. Offers unique programs like myDrive™ for telematics-based discounts.

2. Belairdirect

• Available in: ON, QC, AB, NB, NS
• Highlights: Affordable premiums, intuitive app, solid customer satisfaction

A favorite among tech-savvy drivers. Belairdirect is popular for its fast quotes, digital claim filing, and quick response times. Their usage-based insurance program can save low-mileage drivers up to 25%.

3. TD Insurance (Meloche Monnex)

• Available in: Most provinces
• Highlights: Big savings for group members (alumni, professionals)

If you’re part of a professional association or alumni group, TD offers one of the best discounts in the industry. They also have a solid claims experience and multi-product bundling for home/auto.

4. Sonnet Insurance

• Available in: ON, AB, QC, NS, NB, PEI
• Highlights: 100% online model, instant policy adjustments

Canada’s first fully digital insurance provider. You can quote, buy, manage, and claim—all online. Great for busy urban drivers who want control without phone calls.

5. Desjardins Insurance

• Available in: QC, ON, AB, MB
• Highlights: Excellent French-language support, strong rural coverage

A solid choice for drivers in Quebec and rural Ontario. Desjardins provides strong customer support, accident forgiveness, and loyalty benefits for long-term clients.

6. The Co-operators

• Available in: All provinces except BC
• Highlights: Great for families, farm/rural coverage, in-person service

Ideal for Canadians who value community-based support. Co-operators is known for offering coverage in hard-to-insure areas and providing personal, agent-led service in smaller towns.

7. Aviva Canada

• Available in: Nationwide (except BC direct)
• Highlights: Wide range of add-ons, good commercial and high-risk options

Aviva is a great choice for drivers needing customized coverage, especially rideshare, Uber/Lyft, or commercial vehicles. Their accident forgiveness and disappearing deductible plans are also a plus.

Best Car Insurance Providers in Canada for 2025: Reviews & Rates

Canada’s insurance market continues to evolve in 2025, with digital-first companies competing with traditional brokers. Drivers now have more control than ever—whether it’s through mobile claims apps, usage-based savings programs, or bundled discounts. Knowing the top-rated insurance providers helps you navigate renewal season or start fresh with confidence.

Average Car Insurance Rates in Canada (2025)

Insurance premiums vary based on your age, vehicle, province, and driving history. Here’s an estimate of average annual rates:

Tips to Get the Best Insurance Rates

• Bundle with home or tenant insurance
• Ask about group/association discounts
• Increase your deductible to lower premiums
• Consider usage-based apps like myDrive or Ajusto
• Maintain a clean driving record for 3–5 years

FAQs About Car Insurance in Canada (2025)

Q1: Which is the cheapest car insurance company in Canada?

A: Rates vary by province and profile, but Belairdirect, Sonnet, and TD often offer some of the lowest premiums.

Q2: Is it better to get insurance online or through a broker?

A: Online is faster and easier. A broker may help if you have a complex situation (high-risk, commercial, multiple vehicles).

Q3: What affects my insurance rate the most?

A: Your driving history, location, vehicle type, age, and whether you lease or own the car are the top factors.

Q4: Can I switch insurance companies mid-policy?

A: Yes. You can switch any time, but you may have to pay a cancellation fee. It’s best to compare renewal dates to save more.

Q5: Are there car insurance rebates or credits in 2025?

A: Some insurers still offer rebates for low mileage, usage-based driving, or telematics programs. Check with your provider.

Helpful Resources

• FSRA Ontario – Insurance Regulation
• ICBC – British Columbia Auto Insurance
• CAA Insurance – Compare Car Plans
• Rates.ca – Car Insurance Quotes

Still deciding? Visit our Car Insurance Reviews section for detailed breakdowns by province, profile type, and savings tips for 2025.

Complete Car Loan Guide for Canada & USA

Looking for the best auto loan rates? This guide covers car financing options in both Canada and the USA. Learn how to get low interest car loans, compare lenders, and apply online with ease.

Country-Specific Car Loan Guides

• Car Loan Guide – Canada (covers bank car loan offers and credit union car loans)
• Car Loan Guide – USA (includes auto loan refinancing and pre-approved auto loan tips)

Why Trust This Car Loan Guide?

We reference trusted resources like Ratehub’s Canadian car loan rankings and NerdWallet’s U.S. auto loan analysis. These comparisons provide real-time information on compare car loan rates and vehicle financing for bad credit.

How to Use This Guide

Step 1: Choose Your Country

Select Canada or USA for tailored details on online car loan application steps.

Step 2: Learn Eligibility

Check credit score requirements, down payment expectations, and loan terms for low interest car loans.

Step 3: Compare & Apply

Review lender offers, auto loan refinancing options, and repayment periods before applying.

Pro Tips for Smart Car Financing

• Check your credit score—higher scores unlock low interest car loans.
• Get a pre-approved auto loan—gives you more bargaining power.
• Compare car loan rates—across banks, credit unions, and online lenders.
• Watch out for markups—dealer financing may cost more than bank car loan offers.

Disclaimer: Loan terms and rates vary by lender, credit score, and location. Always confirm details directly with the financial institution before applying.