Auto Insurance Etobicoke

Get personal auto, commercial auto or fleet insurance quotes in Etobicoke from Canada's largest insurance companies!

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Etobicoke Car Insurance Quote

What is required?

4 Mandatory Auto Insurance Coverages

In Etobicoke, you are required to have an auto insurance policy if you drive. Fines for not having valid insurance in Etobicoke can be up to $5,000. The following coverages are mandatory:

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Etobicoke Auto Insurance Discounts and Tips!

The Toronto areas are becoming very expensive to live in. From housing to groceries, rates are going up. Auto insurance is no exception. 

Everyone should have access to affordable insurance rates because living without a car in Etobicoke is nearly impossible. 

Here are a few more discounts to reduce your auto insurance rates even more:

  1. Winter tire discount
  2. Pleasure usage 
  3. Multi-vehicle discount
  4. Home + auto discount
  5. Drivers training discount
  6. Telematics enrolment discount
  7. Annual Payment 

Along with all those discounts, here are a few tips to help your auto insurance rate:

  • Collision and comprehensive coverage are not mandatory in Ontario. If you have an older car, consider insuring it just one-way.
  • If you do not commute to work and use your vehicle only on weekends of for evening grocery runs, consider putting your car as “pleasure usage”. This will reduce your insurance rate as the vehicle is used less.
  • If you do not own a house but would still like to bundle your auto with an Etobicoke home insurance policy, you still can! If you are renting, you can create a tenant policy which will make you eligible for the multi-policy discount.
  • Increase your deductible. If you are confident in your driving, perhaps you should consider increasing your deductible as that will decrease your insurance rate.
  • Pay the entire year upfront. Many insurance companies offer a discount for paying off your yearly insurance policy upfront as it reduces their administrative costs. 
  • Keep all your vehicles under one insurance policy. This will qualify all your vehicles for the multi-vehicle discount which can save you 10% or more on your auto insurance price!
  • Are you a new driver? Consider enrolling in a driving school as that will lower your insurance rates significantly for the first three years. 
  • Certain insurance companies such as Intact Insurance offer a telematics program where you install an application on your phone and the company tracks how you drive. These programs can save you up to 25% on your auto insurance!

Top Three Reasons

Why Your Etobicoke Auto Insurance is So High

Many factors affect your auto insurance rate, but these three have the most weight.



Your address is the biggest factor that will affect your auto insurance in Etobicoke. Different parts of the same city will have different rates.



If you have an at-fault claim on your record, expect your insurance rate to be high. At-fault accidents are rated for six years.