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PC Auto Insurance Review

Need to insure your vehicle? Find out how you can get the best rates with this online comparison platform.

You can apply for a wide range of quotes from several different providers in under five minutes.

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Online Claims


Roadside Assistance


Accident Forgiveness

Please note: All information about PC Auto Insurance has been collected independently by Finder and this product is not available through this site.

Whether you’re switching providers or looking to insure a new vehicle, it makes sense to compare the rates on offer from multiple sources before you make a commitment. This can take a bit of time, but it can also save you hundreds of dollars on your car insurance in the long run.

If you want to make this process move a little bit faster, you can sign up for a brokerage like PC Auto Insurance.

What is PC Auto Insurance?

PC Auto Insurance is an online insurance broker that lets you see all of your insurance options side by side. You can find competitive coverage from up to nine different car insurance providers with the click of a mouse.

All you need to do is put in your personal information to generate a quote that will outline how much you’ll have to pay for the specific type of insurance you’re looking for. Just be aware that the quote generated may not be your final price, and you should speak to a PC agent to negotiate the details of your contract before you hand over any kind of payment.

What insurance providers does PC work with?

PC works with a number of insurers to get you the best price on the market. These include reputable brands such as Aviva, Pafco, RSA, Travelers, Economical, Zenith, Pembridge and Intact Insurance.

What types of insurance does PC offer?

PC Auto Insurance lets you choose from a number of different insurance packages offered by brand name providers.

Mandatory insurance

The insurance you’ll automatically get with every quote includes the following:

  • Liability insurance. Covers any expenses you might incur if you cause an accident and somebody sues you for damages.
  • Accident benefits. Pays for your medical bills in case you or your passengers get hurt in an accident.
  • Uninsured motorist coverage. Helps you get back on your feet if you have a run-in with an uninsured motorist or hit-and-run driver.
  • Direct compensation. Pays for damage to your vehicle if you’re not at fault or only partially at fault (only available in Ontario).

Collision or comprehensive insurance

This insurance will cost you more but covers damage and repairs to your vehicle:

  • Collision. Pays for maintenance and repairs to your vehicle following a collision or pays to replace it if it’s deemed to be a write-off.
  • Comprehensive. Protects your vehicle in the case of damage due to falling objects, vandalism, fire, theft, natural disasters or civil disobedience.

Can I purchase additional coverage if I want more protection?

You can add additional insurance options to your bill if you don’t mind paying an extra fee for them. These include the following:

  • Minor ticket protection. Maintains your premiums at the same rate if you get a minor traffic ticket.
  • Waiver of depreciation. Gives you market value for your vehicle if you need to replace it due to an accident (for cars less than five years old).
  • Family protection. Protects your family in the event that your vehicle is hit by an uninsured or underinsured motorist.
  • Accident forgiveness. Maintains your premiums at the same rate after you get into your first at-fault accident.
  • Liability for damage to non-owned cars. Offers liability protection when you drive rental cars or other vehicles you don’t own.

PC bundles

You’ll be able to bundle your PC Auto Insurance with your PC home insurance if you want to save money on a package deal. All you have to do is call the PC customer service hotline to request a discount for bundling your services. This should net you savings that are worth up to 20% of the total price that you would pay for each individual service.

What do customers say about PC Auto Insurance?

PC Auto Insurance has some fairly negative reviews online, though this seems to be the case for many insurance providers. Customers seem particularly displeased with the level of customer service provided, indicating long wait times and unprofessional service.

Many customers also complain that the rates they were quoted online aren’t the rates they received when they called an agent. There were also several complaints that PC‘s auto insurance rates were hiked up unexpectedly after a couple of months and, in some cases, by a significant margin.

Benefits and drawbacks of PC


  • Quick application. You can apply for a wide range of quotes from several different providers in under five minutes.
  • Big savings. You could save hundreds of dollars on your car insurance by comparing providers using PC‘s online brokerage.
  • Free service. You won’t have to pay any out-of-pocket fees to use PC‘s comparison platform to find the best rates.
  • Many discounts. You may be able to qualify for a laundry list of discounts, depending on a number of personal factors.
  • Package deals. It’s possible to bundle your PC Auto Insurance with your PC home insurance to save up to 20% on both services.
  • Credit card rewards. You can earn 2X the regular PC Optimum points when you pay for your PC Auto Insurance premium with your PC Financial Mastercard.
  • 24/7 claims service. You’ll be able to call in at any time of day or night to speak to an agent about your insurance policy or claim requirements.


  • Limited lenders. You’ll only get to compare the rates on offer from lenders that PC Auto Insurance is affiliated with.
  • No in-person service. You won’t be able to visit PC Auto Insurance in person to discuss your car insurance needs.
  • Customers report rate hikes. Some customers indicated that their rates increased dramatically after signing up for PC Auto Insurance, despite having no accidents.
  • Quotes not always honoured. Some customers also complained that the price they were quoted online didn’t end up being the price they were quoted when signing up.

What should I know before I apply?

Eligibility requirements

To apply for a PC Auto Insurance coverage, you need to meet the following criteria:

  • Be at least 16 years old
  • Have a valid Canadian driver’s licence
  • Own the vehicle you wish to insure

You may also need to fulfill additional criteria based on which province you live in.

How to apply

If you want to apply for PC Auto Insurance, you just need to follow these simple steps.

  1. Visit the PC Auto Insurance website to submit an application for a quote online.
  2. Provide the necessary documentation – such as a valid driver’s licence and proof of purchase for your vehicle.
  3. Get verified and work with PC to negotiate the terms of your car insurance if you meet the eligibility requirements.

How to contact PC Auto Insurance

You can contact PC Auto Insurance on its toll-free customer support number during normal working hours. It’s also possible to call into its claims hotline 24/7 if you need to report an accident. For less urgent matters, you can also send an email or a letter to PC‘s business address in Ontario.

Compare other free car insurance quotes online

1 - 4 of 4
Name Product Accident Forgiveness Min. Liability Coverage Discounts Available Online Claims Available Provinces
Surex Auto Insurance
Up to 25%
Alberta, New Brunswick, Northwest Territories, Nova Scotia, Nunavut, Ontario, PEI, Yukon
Submit one application and receive quotes from 10+ insurers. Save up to 25% on your car insurance, plus get access to an insurance advisor.

Who it might be good for: Drivers looking to use an insurance broker to compare multiple pricing and coverage options.
Onlia Car Insurance
Over $500*
Get premium auto insurance coverage with Onlia. Save money on your auto insurance through safe driving discounts and bundling insurance options.

Who it might be good for: Drivers in Ontario looking to save on insurance costs by driving safely.
Aviva Car Insurance
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon
Aviva car insurance offers customizable policies, discounts and optional insurance coverage add-ons. Get a free quote through Surex.

Who it might be good for: Drivers looking to customize their auto policy.
Travelers Car Insurance
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon
Travelers auto insurance offers a selection of coverage options for just about any type of vehicle. Get a free quote through Surex.

Who it might be good for: Drivers looking to get car, motorcycle, classic car, motorhome or recreational vehicle coverage.

Bottom line

PC Auto Insurance is a reputable car insurance broker that can connect you to the best rates on the market. Just be aware that PC Auto Insurance will only compare providers that it’s affiliated to through its platform. For this reason, you might want to do some of your own research on the side to make sure that you end up with the best deal possible.

Frequently asked questions

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