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Ontario Insurance Comparison Marketplace
CompareOntarioInsurance Quotesin 2 Minutes
Get free, no-obligation auto, home, business and life insurance estimates from RIBO-licensed Ontario brokers. Rates vary by insurer, coverage and personal profile.
Free • No obligation • Takes about 2 minutes
Or speak to a licensed broker:
2 min
Quote Time
Multiple
Broker Options
RIBO
Licensed Brokers
$0
Cost to Compare
xinsurance.ca is an Ontario insurance referral marketplace. We do not underwrite policies. Quotes shown are estimates only; final premiums depend on the insurer's underwriting and your personal information. We are not a licensed brokerage and are not registered with FSRA. The brokers we connect you with are independent professionals licensed by RIBO.
Our brokers are offline right now
Monday to Friday, 9:00 AM – 6:00 PM EST. Schedule a call and we'll email you the confirmation.
Why choose xinsurance.ca
Licensed Brokers
Participating brokers are independently RIBO-licensed
Free to Compare
xinsurance.ca does not charge consumers to use the service
Ontario Coverage
Serving all Ontario communities
Mon–Fri, 9 AM–6 PM ET
Brokers available during these hours; schedule a call anytime
For Ontario businesses
Business insurance that fits how you work
Tell us what your business does, and we can connect you with a RIBO-licensed Ontario broker to review suitable coverage options. Final coverage, pricing and eligibility depend on the insurer’s underwriting and policy terms.
Property & equipment
Learn about options for buildings, contents, tools, stock and equipment breakdown.
Industry-specific needs
Find guidance for contractors, retailers, consultants, care providers and many other businesses.
Independent Ontario insurance marketplace
See how xinsurance.ca helps you compare
Watch this quick guide to comparing estimated auto, home, business and life insurance options, then connecting with a licensed broker when you’re ready.
Free to use, with no obligation. Final prices and coverage are confirmed directly by the broker.
Simple Process
How It Works
Getting an estimate is free and straightforward. Here is how the comparison process works.
01
Enter Your Details
Answer a few questions about your auto, home, business or life insurance needs. Many people finish in about 2 minutes.
02
View Your Estimates
See your personalized rate estimates based on Ontario insurance data. No obligation to continue.
03
Speak with a Broker
Connect with a licensed Ontario broker who can finalize your quote and get you covered.
Why Choose Us
The Smarter Way to Get Insurance
Compare insurance estimates and connect with independent, RIBO-licensed Ontario brokers
Compare Broker Options
Review estimates and discuss available coverage with an independent licensed broker.
Multiple optionsNo hidden fees from xinsurance.ca
2 Minute Quotes
Our streamlined process provides an initial estimate based on the details you share.
Quick formFast estimates
No Obligation
Get your quote and take your time to decide. No pressure, no sales calls unless you want them.
Free foreverYour choice
Expert Brokers
Our network of licensed Ontario brokers are ready to help you find the right coverage.
RIBO licensedLocal experts
Customer Stories
What Our Customers Say
Experiences from Ontario consumers who compared insurance options
Compared auto options
"Comparing options helped me understand what was available. The online process was straightforward."
S
Sarah M.
Toronto, ON
Reviewed coverage choices
"The broker explained the coverage choices clearly and helped me review the available options."
M
Michael T.
Ottawa, ON
Connected with a broker
"As a new driver, I had questions about pricing. xinsurance.ca connected me with a broker who explained my options."
J
Jennifer L.
Mississauga, ON
FAQ
Frequently Asked Questions
Everything you need to know about our service
Ready to Compare Your Ontario Insurance Options?
Get a free, no-obligation quote and speak with a RIBO-licensed Ontario broker on your schedule.
Speak with a licensed Ontario broker
Free • No obligation • Takes about 2 minutes
Sign up or log in
Two doors, so you always land in the right place. Forgot your password? Every login can email you a one-time code instead.
Customers
Track your quote requests, finish an application, and see the brokers you've been connected with. Free, with no obligation.
Brokers, agents & affiliates
Partner accounts use a separate portal for calls, leads, wallets and reporting. If you already work with us, sign in there — a partner email can't be used for a customer account.
Car insurance by city in Ontario
See local rate factors and estimated premiums for Toronto, Brampton, Oakville, Whitby, Ottawa and every other major Ontario city and municipality.
Explore Ontario Car InsuranceWhat is xinsurance.ca?
xinsurance.ca is an independent Ontario insurance comparison marketplace. It connects consumers and business owners with independent, RIBO-licensed insurance brokers to compare auto, home, business and life insurance options from participating insurers. The service is free for consumers. xinsurance.ca is not a licensed brokerage and is not registered with FSRA.
How does xinsurance.ca work?
Users complete a short quote form with their insurance needs. xinsurance.ca provides preliminary estimates, then connects users with an independent, RIBO-licensed Ontario broker who confirms available pricing, coverage, and eligibility. There is no obligation and no cost to the consumer.
Is xinsurance.ca legitimate?
xinsurance.ca is an independent insurance comparison marketplace. It is not a licensed brokerage and is not registered with FSRA. The brokers it connects consumers with are independent professionals licensed by RIBO (Registered Insurance Brokers of Ontario). The platform is PIPEDA compliant and uses 256-bit SSL encryption to protect user data.
Is xinsurance.ca free?
Yes, xinsurance.ca is 100% free for consumers. There is no cost for quotes, no obligation to purchase, and no hidden fees. The service is funded by insurance carriers who pay referral fees when policies are placed through the platform.
How does xinsurance.ca make money?
xinsurance.ca may earn referral compensation from participating insurance providers and brokers when consumers connect or purchase a policy. This business model keeps the comparison service free for consumers. Pricing and coverage are confirmed by the broker and insurer.