Toronto · Ontario

Toronto insurance, quietly compared.

Toronto is loud, fast, and full of insurance ads. We are the quiet alternative: 25+ insurers, side by side, in 60 seconds, with a real licensed advisor on the other end if you want one.

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Population · 2.93 millionProvince · Ontario25+ insurers compared

Coverage available in Toronto

The four products we quote most. Built for the way you actually live.

Coverage

Term life

Affordable, level-premium coverage for the years your family is most exposed.

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Coverage

Travel insurance

Emergency medical, trip cancellation, and baggage protection for trips out of province.

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Coverage

Health insurance

Prescriptions, dental, vision, and paramedical — fill the gaps that provincial plans leave.

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Coverage

Group benefits

Bundled health, dental, life, and disability for small businesses and their teams.

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Drop your postal code; we will line up the carriers licensed for your address and show you real pricing on the next page.

Frequently asked

Toronto insurance, plainly answered. No jargon.

Building age, plumbing material, and prior claims history all move the rate. Two units in the same building can differ by $200/year — comparison is the only way to be sure.

Yes. Several of our carriers underwrite study-permit and work-permit holders with one year of Canadian residency. Newer arrivals can often qualify for visitor health coverage.

Yes — coverage up to $500,000 is available without an exam. Premiums run 15–30% higher, but issue times are days rather than weeks.

A healthy 35-year-old Toronto non-smoker typically pays $28–$42/month for $500,000 of 20-year term coverage. Estimates are not bound coverage — LRH compares live quotes from 25+ partner carriers in our network to find your exact rate in 60 seconds.

Toronto GTA mortgages commonly run $750,000–$1.5M. We recommend coverage equal to your mortgage balance plus 2–3× household income — for most Toronto families, that means $1M–$1.5M of term coverage. A licensed broker in our network will confirm the right number for your situation.

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Lowest Rates Hub connects consumers with licensed insurance brokers across Canada. Quotes are provided by partner brokers and the carriers they represent; LRH does not bind coverage or hold an insurance licence. Estimates are not bound coverage. Policies underwritten by IDC Worldsource and partner insurers. Privacy policy.