5 Best Insurance Agency in Toronto (2026)

Independently ranked by our review of ratings, reviews and reputation · How we chose

By Lorian Hartfield, Real Estate and Financial Expert · ✓ Data verified July 2026 · 7 min read

Square One Insurance Services anchors this list of the top insurance agency in Toronto options with 10,718 Google reviews, more than eleven times the runner-up's 936. Its 4.9 rating is also the highest on the page, with RH Insurance the next closest at 4.8, on a far smaller base of 454 reviews.

Short answer: Square One Insurance Services leads with a 4.9 average across 10,718 reviews, the largest and most consistent track record on this list. If you want a broker shopping multiple insurers instead of one direct company, Mitch Insurance Brokers (4.7, 936 reviews) draws quotes from more than 70 providers.

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1. Square One Insurance S…
2. Rates.ca
3. Mitch Insurance Broker…
4. InsuranceHotline.com
5. RH Insurance Inc.
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How Toronto's top insurance options compare

#	Business	Rating	Reviews	Best for
1	Square One Insurance Services	4.9 ★	10,718	Overall / fastest online quotes	View ›
2	Rates.ca	4.6 ★	2,779	Comparing multiple insurers at once	View ›
3	Mitch Insurance Brokers	4.7 ★	936	Broker access to 70+ providers	View ›
4	InsuranceHotline.com	4.6 ★	621	Fast broker connection	View ›
5	RH Insurance Inc.	4.8 ★	454	P&C brokerage / preferred-market placement	View ›

5 Best Insurance Agency in Toronto (2026)

The five, broken down

#1 Overall🕑 Open 6 days/wk↩ Responds to reviews

Square One Insurance Services

4.910,718 Google reviews

Square One Insurance Services sells home and car insurance policies directly, with quotes, purchases, and claims all handled through its own online platform and app rather than through a third-party broker. Its own site says it carries an A+ rating from the Better Business Bureau and offers what it calls guaranteed building replacement coverage, rebuilding a home even if the cost exceeds the stated limit. Licensed agents back up the digital platform by webchat or phone whenever a customer needs to talk to a person.

What people praise

Customers repeatedly praise specific agents by name for patient, clear explanations of coverage options
The online platform lets you get a quote, buy a policy, and file a claim without ever calling in, according to its own site
Multiple reviewers mention agents finding a materially better rate than they expected

Worth knowing

It's a direct insurer rather than a broker, so it won't shop your policy across multiple companies the way a brokerage will

Reputation scorecardrank in Toronto

Rating4.9 / 5

Review volume10,718 · 97th

Confidencevery high

Recency4 weeks ago

Info completenesssite · phone · hours

Rating breakdown94% 5-star

✓ VerifiedSource: Google

Our take: The review volume here (10,718) dwarfs everyone else on this list, and the 4.9 average holds up across thousands of individually-named agent shoutouts, which is why it tops the ranking.

Website +1647-749-6933 Directions

1 Dundas St W Suite 2500, Toronto, ON M5G 1Z3

#2🕑 Open 6 days/wk↩ Responds to reviews

Rates.ca

4.62,779 Google reviews

Rates.ca is a comparison service that pulls quotes from multiple insurance companies rather than selling its own policies, covering auto, home, life, and renter's insurance, plus mortgage broker services, out of a King Street West office. Customers submit information online and get a callback from a licensed representative who works through the comparison with them. It also runs promotional partnerships, including credit card sign-up offers, alongside the core insurance comparison work.

What people praise

Reviewers describe getting a call back within minutes of submitting an online quote request
Multiple reviews mention comparing several insurers' rates in a single call rather than shopping each one separately
Named agents get credited for finding renewal-time savings

Worth knowing

One detailed review described a long wait on a promotional credit card rebate tied to an insurance signup; the company's public reply confirms the payment was eventually issued

Reputation scorecardrank in Toronto

Rating4.6 / 5

Review volume2,779 · 92th

Confidencevery high

Recency3 months ago

Info completenesssite · phone · hours

Rating breakdown81% 5-star

✓ VerifiedSource: Google

Our take: A 4.6 average on nearly 2,800 reviews is solid, though the one detailed complaint here is worth a skim if a promotional offer is part of why you're calling.

Website +1844-726-0907 Directions

225 King St W Ste 1000, Toronto, ON M5V 3M2

#3🕑 Open 6 days/wk↩ Responds to reviews

Mitch Insurance Brokers

4.7936 Google reviews

Mitch Insurance Brokers is a true brokerage, drawing quotes from more than 70 insurance providers rather than selling one company's policies, according to its own site. It writes auto, home, business, motorcycle, boat, life, travel, and pet insurance out of a Richmond Street West office and cites a 4.8-star Google rating directly on its own homepage. Coverage decisions and quotes are handled by individual brokers assigned to each client's file.

What people praise

As an actual brokerage, it draws quotes from more than 70 providers rather than one company's policies, per its own site
Reviewers name specific brokers repeatedly across auto, home, motorcycle, and business lines
More than one review describes getting a bound policy the same day

Reputation scorecardrank in Toronto

Rating4.7 / 5

Review volume936 · 87th

Confidencevery high

Recency4 weeks ago

Info completenesssite · phone · hours

Rating breakdown90% 5-star

✓ VerifiedSource: Google

Our take: It's the highest-rated true insurance broker on this list, as opposed to a direct insurer or a comparison site, which matters if you want someone shopping the market on your behalf.

Website +1888-401-4697 Directions

296 Richmond St W Ste 212, Toronto, ON M5V 1X2

#4🕑 Open 7 days↩ Responds to reviews

InsuranceHotline.com

4.6621 Google reviews

InsuranceHotline.com is a comparison and referral service that connects customers with licensed insurance brokers after they submit an online quote request, covering auto, home, motorcycle, and renter's insurance. It shares a King Street West office building with Rates.ca and operates on a similar model: gather your information online, then route you to a broker who finalizes the actual policy. Reviews describe the handoff between the initial rep and the assigned broker as the core of the experience.

What people praise

Reviewers consistently describe a callback within minutes of submitting a quote online
Named representatives get credited for walking people through home, auto, and motorcycle options before handing off to a broker
The online quote-to-callback process is described by more than one reviewer as fast and straightforward, taking effect within minutes of filling out a form

Worth knowing

One review described a gap between an initial quoted price and the price a broker later offered once full details were reviewed; the company's public reply explains that updated information can move the number

Reputation scorecardrank in Toronto

Rating4.6 / 5

Review volume621 · 82th

Confidencehigh

Recency5 weeks ago

Info completenesssite · phone · hours

Rating breakdown82% 5-star

✓ VerifiedSource: Google

Our take: It plays a similar role to Rates.ca, a fast first call that routes you to a broker, and its review base, while smaller, is consistently positive.

Website +1855-821-7312 Directions

225 King St W Ste 1000, Toronto, ON M5V 3M2

#5🕑 Open 5 days/wk↩ Responds to reviews

RH Insurance Inc.

4.8454 Google reviews

RH Insurance is a property and casualty brokerage focused on personal lines, operating out of a University Avenue office and licensed to place clients across Ontario and Alberta's preferred, standard, and non-standard insurance markets, according to its own site. It covers auto, home, condo, tenant, motorcycle, watercraft, and commercial insurance, and its process starts with a phone call to one of its brokers rather than a self-serve online quote.

What people praise

It operates across preferred, standard, and non-standard insurance markets, which its own site says lets it place harder-to-insure drivers and properties
Reviewers name individual brokers repeatedly for auto and home bundling help
More than one review describes a policy being bound within the hour of calling

Worth knowing

One review described a short, six-day cancellation notice tied to a change in how a property was being used; if your policy involves a home business or unusual use, it's worth confirming notice periods upfront

Reputation scorecardrank in Toronto

Rating4.8 / 5

Review volume454 · 76th

Confidencehigh

Recency5 weeks ago

Info completenesssite · phone · hours

Rating breakdown95% 5-star

✓ VerifiedSource: Google

Our take: A 4.8 average is strong, but the review base (454) is the smallest of the five, so treat the confidence here as solid rather than airtight.

Website +1888-616-1868 Directions

100 University Ave 5th Floor, Toronto, ON M5J 1V6

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Watch: 5 Best Insurance Agency in Toronto (2026)

How this ranking works

Rating is the live Google average. Review volume tracks how many customers actually left feedback, which matters more than a perfect score built on a handful of reviews. Confidence weighs both together, and recency checks whether people are still reviewing recently or the feedback is years old. No company on this list paid for its position.

What does insurance cost in Toronto? (2026)

Premiums depend on too many individual factors, driving record, home age and location, coverage limits, claims history, for a single honest number to mean much. What we can say from the businesses above: bundling home and auto with one company is a discount several reviewers mention, and rates change once a broker reviews your full file rather than a quick online estimate.

Insurance help across the GTA

These five operate from downtown addresses, King Street West, University Avenue, and Dundas Street, but every one of them works by phone and online rather than requiring an in-person visit, so location matters less here than with most services. If you’re searching for insurance near me in Toronto, all five quote across the wider GTA, not just their office postal code.

What to ask before you buy a policy

Is this company a direct insurer or a broker shopping multiple companies on your behalf?
What’s the cancellation and non-renewal notice period on the policy?
Does bundling home and auto actually lower your total premium, or just one of the two?
How is a claim handled: is there a dedicated claims line, or does it route back through your original agent?
What documentation do they need upfront to avoid a rate change after the first quote?

Frequently asked questions

Are these rankings paid?

No. Rankings come from public Google data. A business can pay to be a Featured Partner (badge and top placement), but that never changes another business’s score or position.

How did you choose these five?

We compared every insurance business in Toronto with a real Google track record, then ranked by a mix of rating, review volume, and how recently people are still reviewing.

How often is this updated?

This page reflects Google data verified in July 2026. We refresh listings periodically as ratings and review counts shift.

What’s the difference between a broker and a direct insurer on this list?

Square One sells its own policies directly. Mitch Insurance Brokers and RH Insurance are brokerages that shop multiple companies for you. Rates.ca and InsuranceHotline.com are comparison services that route you to a broker.

Do I have to live near one of these offices to use them?

No. All five work primarily by phone and online, and quote across the wider Toronto and GTA area regardless of where their office is located.

The bottom line

Square One’s size and consistency make it the safe first call for a fast, direct quote. If you’d rather have someone shop the market for you instead of buying from one company, call Mitch Insurance Brokers next.

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