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7+ Auto Insurance Quotes in 3 minutes

Let’s get Insurance Hunting!

1. Complete our auto insurance form

Answer some basic questions about you and your vehicle

2. Our team hunts for the best rate

We’ll provide quotes from trusted Canadian auto insurers

3. Choose your rate and find available discounts

Pick the car insurance coverage that’s right for you

4. Ask our hunters any outstanding questions

We’re here to assist you with all your questions

5. Review and finalize your rate

Get your new auto coverage and start paying less

HUB Insurance Hunter uses advanced price comparison technology to gather auto insurance quotes from top providers in Canada. Our service is completely free, and is provided by a team of knowledgeable brokers and customer service agents working to answer your questions and save you money.

Our team has just one goal - getting you the best car insurance coverage at the lowest possible price.

Comparing rates from insurers across Canada is the easiest way to save big on your auto insurance coverage.

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Why HUB Insurance Hunter?

No sales pitches!

  • Get 7+ Auto Insurance Quotes in 3 minutes or less
  • Potential savings over $100 on your annual auto insurance premiums

Qualified industry experts

  • View quotes from top car insurance providers in your area
  • Unbiased, fully-licensed insurance professionals at your service

Safe and secure

  • We never share or sell your information with third parties
  • Up-to-date quotes, 24/7!

Why do I need auto insurance?

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Auto insurance protects you from the costs associated with theft, damage, collision and liability. It is mandatory for driving a vehicle anywhere in North America. Each Canadian province regulates auto insurance differently, so the precise coverage you need varies a bit depending on where you live.

You could face fines of at least $2,500 for driving without auto insurance, upon apprehension by authorities. A second offence within the same year comes with a mandatory jail sentence.

People without auto insurance put other drivers at risk, both physically and financially. They also set themselves up for financial ruin. You don’t want to be caught driving without coverage.

What does auto insurance cover?

There are different levels of auto insurance coverage in Canada, from mandatory to added protection, and it can get a little confusing. To make it easy for you, we’ve broken down your options below.


Collision protection covers your repair bills if you collide with another vehicle or inanimate object (trees, fences, garage doors, roadside debris, etc.). You’ll have to cover the costs of your deductible, your insurer takes care of the rest.


Comprehensive coverage is the complete package. It’ll protect you from the random hazards not protected by collision coverage. Comprehensive coverage is optional, and tends to be a bit more expensive, but will address the costs associated with damages caused by falling objects, vandalism, fire – even lightning.

Named/Specified Perils

Named perils coverage applies to damages resulting from a hazard named specifically in the policy. Want coverage for one hazard but not others? Specified perils coverage lets you pick and choose which threats you’re most vulnerable to, based on your location and driving habits.

All Perils

The total package. All Perils coverage gives you the full span of coverage. Think of it as an unbeatable combination of Collision and Comprehensive. This policy is ideal for drivers who want peace of mind, knowing they’re covered for anything.

Temporary Vehicle Replacement/Loss of Use

If your vehicle is out of commission as it’s being repaired, this coverage category will pay for a rental vehicle or taxi so you can still get around.

Waiver of Depreciation

Did you know your car depreciates as soon as you drive it off the lot? Protect yourself and purchase a waiver of depreciation. If your new vehicle is damaged in an accident, your auto insurance provider will give you what you paid for the car, not the depreciated value.

How do I make an auto insurance claim?

Making an insurance claim is never fun, but it doesn't have to be stressful. Below, we explain the essential steps needed to get your claim processed without hassle.

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If someone is injured or if damage to your vehicle appears to be significant (in most provinces, over $1000). Taking pictures of your vehicle after it suffers damage is always beneficial.

This is a must! Remember to get the names, addresses, licence plates and phone numbers of everyone, especially witnesses.

The number will be on your liability card. Inform your insurer of the accident as soon as possible. They will walk you through the process from there. After the repairs to your vehicle are done, inspect the work and make sure you're happy with it. And of course, keep all of your receipts!

Inspect the work and make sure you're happy with it. And of course, keep all of your receipts!

What determines the cost of my car insurance?

Numerous factors contribute to determining the cost of an auto insurance policy. These relate to the driver, their car and their postal code. Some of the main factors include:

  • Coverage types: The bare minimum is cheaper than comprehensive plans.
  • Deductible: A higher deductible means a lower premium.
  • Geographical location: Places with high crimes and collision rates make premiums rise.
  • Driver’s age: Drivers in their teens, and elderly drivers, may pay more.
  • Gender: Based on demographic driving habits, men usually pay more than women.
  • Marital status: Married drivers commonly pay less than their single counterparts.
  • Driving experience: Experienced drivers usually pay less for insurance than new drivers.
  • Driving record: A clean record gets you a discount; a history of accidents and tickets won’t.
  • Claims history: The more claims you’ve made in the past, the more you’ll pay in the future.
  • Credit score: Some, but not all provinces, reward motorists with good credit scores.
  • Type of vehicle: The cost of repairing/replacing your car is a factor insurers consider.
  • Annual mileage: The more you drive, the bigger the risk - and that’s reflected in your premiums.

Every insurance provider will consider different factors, and weigh each one uniquely. That’s why comparing car insurance quotes from multiple companies is the best way find the cheapest rate.

Am I legally required to have auto insurance?

Yes. Auto insurance is mandatory in Canada. Because vehicles are able to cause so much damage, and can be so expensive to replace, many at-fault drivers would be unable to compensate fellow motorists after an accident. By making auto insurance a legal obligation, the government ensures no one who suffers from someone else’s mistake goes uncompensated. If you are caught operating an uninsured vehicle, you may be subjected to a fine, licence suspension or jail time.

How can I get a cheaper auto insurance rate?

Saving money on car insurance doesn’t have to be a cat and mouse game. Our HUB Insurance Hunters are trained to find all the discounts you qualify for. Some of their best tips are below.

Saving on auto insurance can be easy when you know where to look. Take a few minutes to enter your information and you could wind up savings $100s every year.