Compare Auto Insurance

TD vs Intact: Who Saves You More on Car Insurance in Canada?

• Jonathan Carter
• 1
• Posted on July 26, 2025July 30, 2025

When shopping for cheap car insurance in Canada, two names consistently top the list: TD Insurance and Intact Insurance. Both are major players in the industry, offering a wide range of coverage options, competitive pricing, and Canada-wide availability. But which one actually helps you save more — and offers the better overall experience?

This car insurance comparison for Canada dives deep into TD and Intact’s offerings to help you make a more confident, informed choice.

Cost Comparison: Which Is More Budget-Friendly?

Car insurance pricing in Canada varies widely depending on your age, province, driving history, and even your postal code.

• TD car insurance tends to be more affordable for younger drivers and those who bundle home and auto policies. It uses usage-based telematics through its MyAdvantage™ app to reward safe drivers with real-time savings.
• Intact car insurance, meanwhile, often provides better baseline rates for experienced drivers with clean records, especially in mid-sized cities or rural areas.

While TD may come out ahead for urban drivers who actively use digital tools to reduce their rates, Intact may be more consistent and predictable for traditional policyholders.

Coverage Options: What’s Included?

Both providers offer standard coverages such as:

• Third-party liability
• Collision
• Comprehensive
• Accident benefits

TD Insurance allows for more flexible customization, letting you tailor your policy with optional add-ons like rental vehicle coverage or enhanced accident benefits. Intact Insurance offers a range of pre-packaged policies with optional extras like coverage for transportation replacement or emergency road service.

Bottom line: both are solid, but TD offers more flexibility; Intact may appeal to those who prefer clear, straightforward packages

Discounts Available: Who’s More Generous?

Discounts can make a huge difference in your premium:

• TD Insurance:
  • Bundling auto and home
  • Safe driving (MyAdvantage™)
  • Winter tires
  • Green vehicle discounts
• Intact Insurance:
  • Multi-policy (auto + home)
  • Conviction-free and claims-free discounts
  • Loyalty rewards
  • Anti-theft system savings

TD has an edge for tech-friendly drivers who are willing to use apps to save. Intact rewards long-term policyholders and low-risk drivers.

Claims Experience and Customer Service

TD Insurance has streamlined its claims system with 24/7 support, digital tracking, and a mobile-friendly claims submission process. Customers report good service, especially during the quoting and renewal phases.

Intact Insurance, however, has long been recognized for its strong broker support network and hands-on approach during claims. Its customer satisfaction varies slightly by region, but it consistently scores well for clear communication and timely resolution.

Digital Tools: Managing Your Policy Online

TD’s mobile app is one of the best in the industry — offering quote management, policy updates, and a telematics program. It’s ideal for users who prefer to manage everything from their phone.

Intact’s Client Centre and app are also robust, allowing for digital claims tracking, policy documents, and roadside assistance access. It’s not quite as advanced as TD’s, but it’s improving every year.

Unique Features & Add-Ons

• TD Insurance: MyAdvantage™ driving feedback program, accident forgiveness, disappearing deductible.
• Intact Insurance: Transportation replacement, roadside assistance, “Responsible Driver Guarantee®”.

These extras can provide real value depending on your lifestyle and risk tolerance.

Conclusion: Which One Should You Choose?

Choosing between TD and Intact comes down to your preferences and driving habits.

• If you want to actively manage your premium, value mobile tools, and prefer digital-first service — TD car insurance may be your best bet.
• If you prefer working with a broker, want stable pricing, and appreciate a strong claims experience — Intact car insurance could be the right fit.

Call to Action

The best way to find out who saves you more is to compare both providers directly:

Get a Quote from TD Insurance
Get a Quote from Intact Insurance

Compare side-by-side and choose the policy that fits your driving profile — and your budget.