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15+ best home & car insurance companies in Ontario (according to your reviews)

Top 15 best home and car insurance companies in Ontario | KBD Insurance
Curtis Killen

As president of KBD, Curtis aims to simplify insurance for his clients. He’s helped lead KBD to become one of Canada’s fastest 400 growing companies according to the Globe & Mail.

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We’re ranking the best home and auto insurance companies in Ontario based on customer satisfaction via Google & Trustpilot reviews. That way, you can find the best insurance company (and rate) for your house, car or business.

Getting the best insurance at the best rate is top of mind for most of our clients at KBD. 

It’s no surprise, really. 

After all, who wouldn’t want the best of the best?

Best Insurance Companies in Ontario

So, to meet the demand, we’re ranking the top insurance companies in Ontario based on customer reviews. 


Because we all know that angry customers don’t hold back.

This way, you’ll get a more accurate picture of each insurance company, and be able to find the best one for your needs

Skip ahead here to find the top three best-rated insurance companies in Ontario. 

Looking for a quote?

Here are our top three recommendations:

  • Broker’s Choice

    Intact Insurance
    Intact Insurance

    Canada’s largest home, car and business insurance company with a presence in all provinces and territories.

    • Home, car & business insurance

    • High customer satisfaction

    • Option to bundle & save

    • Presence country-wide

    • Personalized service through a broker model

    *KBD Insurance partners with Intact to provide home, car and business insurance. Get a quote today.

    Click for best price.
  • Gold

    Desjardins Insurance
    Desjardins Insurance

    Desjardins Group is the largest cooperative financial group in Canada and offers a wide range of insurance products.

    • Provincial average Google rating of 4.3

    • Home, car & life insurance

    • Option to bundle & save

    • Presence country-wide

    • Direct insurance company

  • Silver

    Belairdirect Insurance
    Belairdirect Insurance

    Belairdirect is a direct insurance company that has been around for over 70 years, and is owned by Intact.

    • 4.2 average Google rating in Ontario

    • Home & auto insurance

    • Direct insurer only

OR if you’re ready for a quote with KBD (we’re an Ontario home & auto insurance broker, and we offer a super personalized service), you can do that too. 

Jump ahead to get to the good stuff.

Top 3 best insurance companies in Ontario (according to Google)

In order for these insurance companies to make this list, they had to meet a few criteria:

  • Must be an insurance company (not a broker)
  • Must offer both home and auto insurance (so that you can bundle & save)
  • Must offer insurance in the province of Ontario
  • Must have Ontario-specific reviews

You can read more about our ranking factors below.

Consider these rankings as a starting point when choosing the best insurance company in Ontario for you. 

Pro tip: Once you’ve narrowed down the companies you want to work with, be sure to check that they offer the kind of coverage you need. 

This is because not all home and auto insurance companies offer specialty coverages. 

For example, specialty coverages in Ontario include:

With that covered, we’re jumping into the top three best-rated home and car insurance companies in Ontario.

1. Desjardins

Desjardins Insurance Ontario Google Reviews

According to Desjardins insurance reviews, the top-rated, most-reviewed insurance agency in Ontario has a score of 4.7.

With a solid provincial average rating of 4.3, Desjardins has landed in the top spot on this list.

They’re a direct insurance company that offers both home and auto insurance throughout Ontario. 

This is good news if you want to bundle your policies to save on your insurance rate.

They’re also the second largest insurer in Canada on top of being a major financial institution.

2. Belairdirect

Belairdirect Insurance Ontario Google Reviews

Wondering if Belairdirect is a good insurance company? The results are in.

Belairdirect takes the silver, with a 4.2 average rating province-wide (across its different offices). 

They’ve been around for over 70 years, and offer both home and auto insurance.  

Belairdirect is owned by Intact Financial Corporation, but unlike Intact, it’s a direct insurance company. 

That means you can give them a call directly to get your car and house insurance in place.

3. The Co-operators

The Co-operators Ontario Google Reviews

The Co-operators is a direct insurance company with a Canada-wide presence. 

They have hundreds of agents in Ontario – the most out of the insurance companies on this list. 

Since this company has so many offices, the Co-operators insurance reviews really vary on a case-by-case basis.

That said, their provincial average Google rating is 4, which is pretty respectable.

Notable mentions – other top home & car insurance companies in Ontario

It wouldn’t be a competition without a few runners-up. 

Here are 10+ additional best home and car insurance companies in Ontario to choose from.  

They might not have met the top three rankings, but their customer satisfaction as home and auto insurers in Ontario isn’t too shabby.

4. Allstate

Allstate Insurance Pickering Google Reviews

Allstate is a direct home and auto insurance company that offers coverage Canada-wide. 

They have a big presence in the province, with agencies in cities across Ontario. 

Reviews vary quite a bit from office to office, so make sure to check the rankings on individual locations. 

Their provincial average rating is 3.6 on Google reviews.

5. Intact Insurance

Intact Insurance Ontario Google Reviews

Intact is Canada’s biggest insurance company. 

They offer home and auto insurance exclusively through the insurance brokers they work with. 

On that note, KBD works with Intact to provide car insurance to our Ontario clients. 

Intact Insurance reviews bring the company’s provincial average Google ratings to 3.3. 

Looking for a quote from Intact?

Give the KBD Ontario office a call.

6. RBC Insurance

RBC Insurance Ontario Google Reviews

The Royal Bank of Canada is one of the biggest banks in Canada. 

They’re also one of the oldest – they’ve been around since 1864. 

RBC also offers a range of insurance products, including home and auto. 

Fun fact: Aviva insurance actually underwrites all of RBC Insurance.

RBC’s insurance services have a provincial average Google review rating of 3.2.

You can go to their website for an RBC home and auto insurance quote.

7. The Personal

The Personal Insurance Ontario Google Reviews

The Personal is a subsidiary company of Desjardins. 

It’s a direct insurance company that offers group insurance. 

They offer home and car insurance through these packages, and have several offices in Ontario. 

Their provincial average rating is 3.2.

8. TD Insurance

TD Insurance Ontario Google Reviews

Like RBC, TD is another one of Canada’s “big-five” banks. 

As an insurance company, they offer a range of insurance products directly to their clients. 

This includes home and car insurance.

9. Gore Mutual 

Gore Mutual Insurance Ontario Google Reviews

According to their website, Gore Mutual has been around since the 1800s. 

They offer home and car insurance through a broker model. 

With only one office, their average provincial rating is 2.8.

10. Aviva

Aviva Insurance Ontario Google Reviews

Aviva is another heritage insurance company. 

It’s been around since the 1800s, and offers house and car insurance through a broker model. 

Their provincial average rating is 2.5.

11. Beneva

Beneva Insurance Ontario Google Reviews

Beneva is a new direct insurance company that offers its products Canada-wide. 

It’s the result of a merger between SSQ and La Capitale in 2020. 

As far as Google reviews, it doesn’t have many yet. 

We’ll wait and see how they move up (or down) the list once they’re more established in Ontario.

12. Economical

Economical Insurance Ontario Google Reviews

Economical insurance has a 2.4 average provincial rating according to Google reviews.  

They work through a broker model – and KBD is on their roster.

13. CAA Insurance Ontario

CAA Insurance Ontario Google Reviews

CAA is well known for coming to the rescue when your car breaks down on the highway. 

On top of their regular services, they’ve newly ventured into providing home and car insurance in Ontario.

Current CAA insurance reviews show a rating of 2.0 on Google, but we expect their rating to go up as they get more established.

14. Wawanesa

Wawanesa Insurance Ontario Google Reviews

Wawanesa rounds up the list with an average Google rating of 2 across its Ontario offices. 

They’re a broker insurance company that provides home and auto insurance in Ontario.

Online home & auto insurance providers in Ontario

Sonnet and Square One didn’t meet the ranking criteria we outlined above – but, they’re still worth mentioning on this list of best insurance companies in Ontario.

They each have high ratings, and can be good options, particularly if you’re looking for an online insurance service.

15. Square One Insurance

Square One Insurance Ontario Google Reviews

Square One is a direct home insurance company, with one office in downtown Toronto.

This insurance company is headquartered in British Columbia, and their provincial average rating is also 4.7.

In addition to home, they offer tenant and condo insurance.

The caveat is that they don’t offer auto insurance in Ontario – so if you’re looking for the best car insurance companies, Sonnet (or one of the previous options) could work for you.

16. Sonnet Insurance

Sonnet Insurance Ontario Trustpilot Reviews

Sonnet Insurance reviews have an average 4.1 rating out of 5 stars on Trustpilot.

They stand out in this list as an insurance company that operates 100% online.

If you like the convenience of doing everything online, these guys could be for you.

However, because of this, we had to measure their rating based on Trustpilot – not Google.

They’re owned by Economical, which KBD works with.

KBD’s ranking table for Ontario insurance companies 

In Ontario, you can get insurance one of two ways: through a broker, or through a direct insurance company. 

That’s because you can contact some insurance companies directly to purchase your policy, while others only offer their products through brokers.

Here are some of the pros and cons of working with each.

#1. Direct insurance company:

  • If you already know which company you want to work with, you can get in touch with them directly
  • Direct insurance agents only sell products from one company – which means that they know their products inside and out

#2. Insurance broker model:

  • Access to insurance companies that work exclusively with brokers (Intact, for example)
  • The option to shop around with multiple companies to get the best price 
  • It saves time (your insurance broker shops for you) 
  • Personalized service; you speak with the same person each time
  • Brokers help process your insurance claims, and can negotiate for you if there’s an issue

So, with that covered, here’s KBD’s ranking table of the top three insurance companies in Ontario, plus the runners-up. 

We’ve included whether they’re a direct or broker insurance company, so that you can choose the type of company that works best for you.

The Best Home & Auto Insurance Companies In Ontario | Ranking Table

Pro tip: If an insurance company that works with brokers has poor reviews, but has the product you‘re looking for, find a broker (that has good ratings) that works with them. 

Just a savvy little insurance tip for ya. 

Best business insurance companies in Ontario

KBD is an Ontario home, car and business insurance broker. 

Naturally, this blog wouldn’t be complete without including the best commercial insurance companies in Ontario.

Before we get into it, keep in mind that business insurance is super specialized. 

Finding the “best” business insurance will depend on which company can cover you based on a number of factors. 

This includes things like:

  • Annual revenue
  • Business type 
  • Business size
  • Number of employees
  • Etc.

That means that each business will need different insurance protections.

You can check out this video, where we get into different insurance coverages in more detail.

Make sense? Good.

You can also take a look at our post on commercial insurance costs in Ontario for a full guide to business insurance rates – or give us a call

Now that you know which coverages to get, let’s look at the Ontario commercial insurance companies that you can work with. 

For business insurance, you can go with one of the following companies that made our top insurance companies in Ontario list. 

  • Intact
  • Economical 
  • Aviva
  • Desjardins 
  • RBC
  • The Co-operators 
  • Allstate

OR if you’re looking for cyber, high risk, or other industry-specific insurance, you can go with one of the following insurance providers that KBD works with. 

#1. Lloyd’s

Lloyd’s is based in London, England, and is one of the largest insurance companies in the world.

They specialize in insuring businesses that other companies don’t want to touch – meaning “high risk” businesses

For example, they insure mining and lumber operations. 

You can learn more about Lloyd’s insurance here

#2. CFC Underwriting

Also based in the UK, CFC Underwriting specializes in insurance for online businesses. 

Their coverage options include cyber liability, professional liability, and more. 

So, if you run an IT startup, this is the company to go with. 

You can learn more about how to get CFC Underwriting for Ontario businesses here

#3. Federated Insurance

Federated insurance started in Minnesota and has been around since the late 1800s.  

Its Canadian headquarters are based in Winnipeg, and the company offers commercial insurance. 

They specialize in coverage for restaurants, construction businesses, auto body businesses, and more. 

If you’re interested in working with Federated Insurance, give KBD a call.

How we compiled this list – top Ontario insurance companies rankings

If you’re getting on board with a new insurance company, you generally want to know that it’s reputable, has a good claims history, and fair pricing. 

But it’s a tough category to rank because there is no single best or cheapest insurance company in Ontario. 

That’s because:

  1. Every customer has a different risk profile 
  2. No two insurance companies view the same client the same way – and some prefer certain profiles over others
  3. Insurance prices are always fluctuating, so ranking a company the “the best” based on its current prices is inaccurate

And when it comes to finding the cheapest insurance in Ontario, here are our thoughts:

So, how do you decide which Ontario insurance company to go with?

Well, as with all things insurance-related, it’s more about finding the best and cheapest insurance for you – since everyone has different needs when it comes to insurance coverage. 

In this post, we ranked the top 3 insurance companies in Ontario based on how happy their customers have been with claims payouts, customer service, and pricing. 

So, how did we check this?

With trusty Google reviews, that’s how.

And we think this is the most accurate way of organizing the rankings, because:

  1. People don’t hold back with their reviews, and you can get first-hand accounts of what it’s actually like to work with a particular insurance company 
  2. You can see which companies fit what you’re looking for, and shop around accordingly

We’ve averaged out the Google ratings of each of the insurance offices Ontario-wide to get an idea of how happy customers are with each company.

And since customer satisfaction can also change from location to location, we also took a look at the ratings of the branches with the most reviews and opinions.  

How KBD stacks up against the competition 

Technically KBD is an insurance broker, not an insurance company. 

But in the spirit of competition, we’re including our own stats. 

Who knows, maybe next time we’ll write a post ranking Ontario’s best insurance brokers.   

BUT for the record, KBD has a 4.8 rating, with over 600 reviews on Google. 

We plan on keeping up the trend in Ontario, where we provide home, auto and business insurance.

KBD Insurance Ontario Google Reviews | Best Insurance Companies In Ontario

Note: Some insurance companies might have low ratings on Google, but if you work with them through a broker, you could get a much better experience (depending on the broker of course). 

Now that we’re done patting ourselves on the back, you can give the Ontario home and auto insurance brokers at KBD a call today.


So, you‘ve seen the ratings. Let’s do a quick recap on what you should remember.  

First things first, there is no single “best” insurance company in Ontario. 

Insurance is a personalized service, so it’s all about finding the best home and auto insurance coverage for YOU

But how do you do this, again?

Keep the following steps in mind, and you’ll be well on your way to finding the best Ontario insurance company for your needs.

  1. Consider the type of insurance you need
  2. Find companies that offer that type of coverage
  3. Check out their Google reviews to get honest opinions of their service
  4. Shop around for multiple quotes (a broker like KBD can help you with this) 
  5. Decide on a company or broker and purchase your insurance
  6. Remember to shop around each year to get the best rate

Ready for a home and auto insurance quote in Ontario?

Find the best Ontario insurance company for your needs – whether you’re looking for home, auto, or commercial insurance.

Just give us a call

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