Finding the lowest rate shouldn’t be a guessing game.
Our Excalibur Defenders shop over 40 of Canada’s top insurers to find you the best balance of price, protection, and practical coverage for your unique driving profile.
Whether you need standard auto insurance, coverage for an EV, gap insurance, or solutions for high-risk or young drivers, we help you build coverage that make sense – without overselling what you don’t need.
Perhaps you need protection for more?
What is the average cost of
car insurance in Ontario?
While rates vary by city, most Ontario drivers pay between $1,500 to $1,900 per year. Your rate is a calculation based on your age, postal code, vehicle type, annual mileage, claims history, among other factors.
The difference makers? We specialize in finding the “outliers”—insurers who offer lower rates for specific driver profiles that big-box insurance companies miss.
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5 Practical Ways to Lower
Your Ontario Auto Premiums
Just give us a call and speak to an Excalibur Defender
We work with over 40 of Canada’s Top Insurers to guarantee you have options.
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Choosing the
Right Vehicle
Vehicles with strong safety ratings and lower theft risk typically carry lower premiums. If you want cheaper insurance, you need to drive an insurance-friendly vehicle. Generally, intermediate SUVs and sensible family sedans (like the Toyota Corolla or Subaru Forester) have lower CLEAR scores, meaning they cost less to insure. Avoid high-theft models or luxury imports if your primary goal is the lowest possible monthly payment.
Specialized Coverage
Affordable Insurance for Every Driver Profile
We don’t just provide standard quotes. We have dedicated “defense” plans for:
Protect your Budget with Gap Insurance
Maintain the original value of your car!
With Gap Insurance, if you buy a new vehicle and it’s written off in an insurance claim, you will get reimbursed for the amount you paid for up to 7 years. If you buy a used vehicle that’s less than ten years old, Gap Insurance will reimburse you for the market value at the time you purchased for up to 5 years.
A few of the reasons we Smile .
Frequently Asked Questions
If you’ve got Auto Insurance questions – we’re here to answer them. Our team of defenders is always happy to help clarify your insurance knowledge and here are a few Tips and Frequently Asked Questions to get you started.
