location_on Toronto, ON gavel FSRA

Insurance in Toronto, ON

Compare car, home, tenant, life and business insurance in Toronto — with instant estimates, local risk insight and advisors licensed in Ontario.

RegulatorFSRA

Auto insurancePrivate market

Population~2.8M

Advisor serviceAvailable

Coverage in Toronto

Choose what you want to insure

favorite Life Insurance Toronto event_available Term Life Insurance ON all_inclusive Whole Life Insurance ON bolt No-Medical Life Insurance ON house Mortgage Life Insurance ON monitor_heart Critical Illness Insurance ON accessible Disability Insurance ON medical_services Health & Dental Insurance ON flight_takeoff Travel Insurance ON family_restroom Super Visa Insurance Toronto directions_car Car Insurance Toronto home Home Insurance Toronto apartment Condo Insurance Toronto key Tenant Insurance Toronto storefront Business Insurance Toronto construction Contractor Insurance ON gavel Professional Liability (E&O) Insurance ON groups Group Benefits ON

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How auto insurance works in Ontario

check_circleOntario auto insurance is sold by private insurers and brokers; rates are filed with and approved by FSRA.
check_circleSince July 1, 2026, only medical, rehabilitation and attendant-care accident benefits remain mandatory. Income replacement, non-earner, caregiver, housekeeping, death & funeral and several other benefits became optional — review them at renewal, especially if you are self-employed or a gig driver.
check_circleDirect Compensation – Property Damage (DCPD) became optional in 2024; dropping it can save money but shifts risk if you are not at fault.

thunderstorm

Risks insurers price in Toronto

warningAmong Canada’s highest vehicle-theft volumes
warningBasement flooding from intense summer storms (2013, 2018, 2024)
warningLarge condo market with high deductible assessments
warningVehicle theft concentrated in the Greater Toronto Area
warningBasement flooding and sewer backup after intense summer storms

FSRA licenses life agents (LLQP) and accident & sickness agents; property & casualty brokers are licensed by the Registered Insurance Brokers of Ontario (RIBO).

Nearby cities

Licensed in Ontario

Advisors serving Toronto

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Michael Le ChiCFP

Certified Financial Planner · Contributing author

Licensed: ON · English

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Instasure Advisor Team

Licensed advisor team

Licensed: ON, BC, AB, MB, SK, NS, NB, NL, PE · English

Guides for Ontario

Home, condo & tenant 5 min read

Updated Oct 3, 2026

Can a Landlord Require Tenant Insurance in Ontario?

No Ontario law forces renters to buy tenant insurance, but a landlord can make liability coverage a condition of the lease. Here's what the standard lease says, what a policy covers and what it typically costs.

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Auto insurance 5 min read

Updated Oct 3, 2026

Ontario Auto Insurance Changes (July 2026): What's Optional Now

Since July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory on Ontario auto policies. Here's what became optional and how to decide what to keep at renewal.

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Auto insurance 5 min read

Updated Oct 3, 2026

Gig Driver Insurance in Ontario: Uber, Lyft, DoorDash and Skip

A personal auto policy may not cover you while you drive for Uber, Lyft, DoorDash or Skip. Here's how to close the gaps in Ontario, from the OPCF 6A endorsement to your accident benefit choices after July 2026.

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quiz Straight answers

Insurance in Toronto: FAQ

policyHave a complaint about an insurer?

Start with the insurer’s complaint officer. Unresolved home, auto and business disputes can go to the General Insurance OmbudService; life and health disputes to the OmbudService for Life & Health Insurance.

How do I find an insurance advisor in Toronto?

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Start an instant estimate on Instasure and we’ll match you with an advisor licensed in Ontario for your product and language. Advisors compare multiple insurers and there’s no cost to you.

What insurance risks are common in Toronto?

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Among Canada’s highest vehicle-theft volumes; Basement flooding from intense summer storms (2013, 2018, 2024); Large condo market with high deductible assessments.

Who regulates insurance in Toronto?

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Financial Services Regulatory Authority of Ontario (FSRA). FSRA licenses life agents (LLQP) and accident & sickness agents; property & casualty brokers are licensed by the Registered Insurance Brokers of Ontario (RIBO).

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Licensed in Ontario Michael Le Chi, CFP Certified Financial Planner · Contributing author

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