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Things to Know Before Getting Ajax Car Insurance
If you’re planning on getting car insurance in Ajax, here are some things you should know:
- Insurance Rates: Car insurance rates in Ajax can vary depending on a variety of factors, such as your driving record, the type of car you drive, and your age and gender. It is a good idea to shop around and get quotes from several insurance providers to compare rates and find the best coverage at an affordable price.
- Insurance Requirements: In Ontario, it is mandatory to have car insurance that includes liability coverage, which covers damages you may cause to other people and their property. You can also choose to add other types of coverage, such as collision or comprehensive coverage, to protect your own vehicle.
- Discounts: Many car insurance companies offer discounts for safe driving, completing driver training courses, and installing anti-theft devices on your car. Be sure to ask about available discounts to potentially reduce your insurance premiums.
- Claims Process: It’s important to understand the claims process for your car insurance provider in the event of an accident or other incident. Make sure you have all the necessary information, such as your policy number and contact information for your insurer, on hand in case of an emergency.
- Local Driving Conditions: Familiarize yourself with the local driving conditions in Ajax, such as the location of schools and major intersections, to help you navigate the roads safely.
What is the Average Car Insurance Cost in Ajax
According to our recent report, the average cost of car insurance in Ajax is approximately $1,756 per year, which is slightly higher than the provincial average for Ontario.
Here’s an organized content table of the average car insurance costs for different driver profiles in Ajax:
| Driver Profile | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full Coverage) |
|---|---|---|---|
| G1 Driver | $230 | $365 | $495 |
| G2 Driver | $200 | $320 | $440 |
| G Driver | $175 | $280 | $385 |
| Teenage Driver | $320 | $505 | $685 |
| Young Driver | $250 | $400 | $550 |
| High-risk Driver | $350 | $555 | $755 |
| Occasional Driver | $125 | $200 | $275 |
| Pleasure | $95 | $150 | $205 |
| Commuting | $180 | $290 | $395 |
| Good Driver | $85 | $135 | $185 |
| Bad Driver | $325 | $515 | $700 |
| New Driver | $275 | $435 | $590 |
| Secondary Driver | $120 | $190 | $260 |
| 17 Years Old | $310 | $490 | $665 |
| Seniors | $120 | $190 | $260 |
| Over 55 Years Old | $105 | $170 | $235 |
| Students | $200 | $320 | $440 |
| International Driver | $300 | $475 | $645 |
| Newcomers | $250 | $400 | $550 |
| Men Driver | $190 | $305 | $415 |
| Women Driver | $180 | $290 | $395 |
| Married Couples | $100 | $160 | $220 |
| Usage-Based | $110 | $175 | $240 |
| Uber/Lyft | $290 | $460 | $625 |
| Personal Use | $175 | $280 | $385 |
| Business Use | $300 | $475 | $645 |
| Commercial Use | $400 | $635 | $865 |
Here’s an organized content table of the estimated monthly car insurance costs range for different types of cars in Ajax:
| Car Type | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full Coverage) |
|---|---|---|---|
| Sedan | $85 – $200 | $135 – $320 | $185 – $440 |
| Convertible | $100 – $240 | $160 – $385 | $220 – $525 |
| Hatchback | $80 – $190 | $130 – $305 | $175 – $415 |
| Wagon | $85 – $200 | $135 – $320 | $185 – $440 |
| Coupe | $90 – $210 | $145 – $345 | $200 – $475 |
| SUV | $95 – $225 | $155 – $365 | $215 – $510 |
| Truck | $90 – $210 | $145 – $345 | $200 – $475 |
| Minivans | $90 – $210 | $145 – $345 | $200 – $475 |
| Van | $95 – $225 | $155 – $365 | $215 – $510 |
| Electric Car | $110 – $260 | $175 – $415 | $240 – $570 |
| Hybrid Car | $100 – $240 | $160 – $385 | $220 – $525 |
| Multi Car | $100 – $240 | $160 – $385 | $220 – $525 |
| Exotic Car | $500 – $1200 | $800 – $1920 | $1100 – $2640 |
| Luxury Car | $300 – $720 | $480 – $1152 | $660 – $1584 |
| Classic Car | $100 – $240 | $160 – $385 | $220 – $525 |
| Vintage Car | $150 – $360 | $240 – $576 | $330 – $792 |
| Sports Car | $200 – $480 | $320 – $768 | $440 – $1056 |
| Leased Cars | $90 – $210 | $145 – $345 | $200 – $475 |
| 2 Door | $90 – $210 | $145 – $345 | $200 – $475 |
Here’s an organized content table of the average car insurance costs range in Ajax for a driver profile of age 35, married, based on the driving history:
| Driving History | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full Coverage) |
|---|---|---|---|
| No incidents | $85 – $200 | $135 – $320 | $185 – $440 |
| 1 at-fault accident | $155 – $370 | $245 – $585 | $325 – $775 |
| 2 at-fault accidents | $225 – $535 | $355 – $845 | $475 – $1130 |
| 1 non-fault accident | $110 – $260 | $175 – $415 | $240 – $570 |
| DUI conviction | $200 – $475 | $320 – $760 | $450 – $1075 |
| 1 speeding ticket | $95 – $225 | $155 – $365 | $215 – $510 |
| 2 speeding tickets | $135 – $320 | $215 – $510 | $295 – $700 |
How Does Ajax’s Average Car Insurance Cost Compare to Other Cities?
Here is a list comparing the average cost of car insurance in Ajax to the average cost in other cities in Ontario:
- Toronto: $2,401 per year
- Ottawa: $1,401 per year
- Mississauga: $2,211 per year
- Brampton: $2,647 per year
- Hamilton: $1,830 per year
- London: $1,510 per year
- Markham: $1,838 per year
- Vaughan: $1,933 per year
- Windsor: $1,417 per year
Which Cars Have the Cheapest Car Insurance in Ajax?
Here are some cars that are generally known to have lower insurance rates in Ajax, along with their average annual insurance premiums:
- Honda Civic – $1,433
- Toyota Corolla – $1,454
- Hyundai Elantra – $1,553
- Mazda3 – $1,545
- Ford Escape – $1,587
- Honda CR-V – $1,644
- Volkswagen Jetta – $1,673
- Toyota RAV4 – $1,632
- Chevrolet Cruze – $1,676
- Nissan Rogue – $1,648
How to Get the Cheapest Car Insurance in Ajax?
If you’re looking to get the cheapest car insurance in Ajax, here are some tips to keep in mind:
- Shop around: It’s important to shop around and get quotes from multiple insurance providers to compare rates and coverage options. This can help you find the most affordable policy for your needs.
- Increase your deductible: Choosing a higher deductible can lower your insurance premiums, but be sure to choose a deductible that you can afford in the event of an accident.
- Drive safely: Maintaining a good driving record and avoiding accidents and tickets can help keep your insurance rates low. You may also be eligible for safe driving discounts from your insurance provider.
- Consider usage-based insurance: Usage-based insurance programs use telematics to track your driving habits and adjust your rates accordingly. This can be a good option for safe drivers who don’t drive frequently.
- Ask about discounts: Many insurance providers offer discounts for things like bundling your policies, insuring multiple vehicles, or having a good driving record. Be sure to ask about available discounts to potentially reduce your insurance premiums.
- Choose a car with lower insurance rates: Some cars are less expensive to insure than others. Consider choosing a car that is known to have lower insurance rates to help keep your premiums affordable.
Ajax Car Insurance Facts
Here are some car insurance facts that are specific to Ajax:
- Insurance Rates: Car insurance rates in Ajax can vary depending on a variety of factors, such as your driving record, the type of car you drive, and your age and gender. The average cost of car insurance in Ajax is approximately $1,746 per year.
- Insurance Requirements: In Ontario, it is mandatory to have car insurance that includes liability coverage, which covers damages you may cause to other people and their property. You can also choose to add other types of coverage, such as collision or comprehensive coverage, to protect your own vehicle.
- Accidents: According to data from the Durham Regional Police, there were a total of 11,924 motor vehicle collisions in Ajax between 2013 and 2021. It’s important to practice safe driving habits and stay alert on the roads to avoid accidents.
- Discounts: Many car insurance companies offer discounts for safe driving, completing driver training courses, and installing anti-theft devices on your car. Be sure to ask about available discounts to potentially reduce your insurance premiums.
- Insurance Brokers: In Ajax, there are many independent insurance brokers who can help you find the best coverage at an affordable price. These brokers can work with multiple insurance providers to compare rates and coverage options, and can often find discounts that you may not be able to find on your own.
Top 10 List of Best Car Insurance Companies in Ajax
Here is a list of some of the best car insurance companies in Ajax, along with their descriptions and reviews from across the internet:
- Belairdirect: Belairdirect offers car insurance coverage for all types of drivers and vehicles, including standard and high-risk drivers. They offer a range of discounts and benefits, such as their Autocomfort program, which includes roadside assistance and rental car coverage. They have a rating of 3.3 stars on Google reviews.
- Intact Insurance: Intact offers a variety of car insurance options, including liability, collision, and comprehensive coverage. They offer discounts for safe driving and insuring multiple vehicles, and have a reputation for excellent customer service. They have a rating of 3.6 stars on Google reviews.
- Allstate Insurance: Allstate offers customizable car insurance policies with a variety of coverage options, including liability, collision, and comprehensive coverage. They also offer discounts for safe driving and insuring multiple vehicles, and have a reputation for good customer service. They have a rating of 4.4 stars on Google reviews.
- Aviva Canada: Aviva offers a range of car insurance options, including liability, collision, and comprehensive coverage. They offer discounts for safe driving and bundling your policies, and have a reputation for excellent customer service. They have a rating of 3.4 stars on Google reviews.
- TD Insurance: TD Insurance offers car insurance coverage for all types of drivers and vehicles, including standard and high-risk drivers. They offer a range of discounts and benefits, such as their Claims Service Guarantee, which promises a free rental car in the event of an accident. They have a rating of 3.6 stars on Google reviews.
- Wawanesa Insurance: Wawanesa offers a variety of car insurance options, including liability, collision, and comprehensive coverage. They offer discounts for safe driving and bundling your policies, and have a reputation for excellent customer service. They have a rating of 4.4 stars on Google reviews.
- Co-operators Insurance: The Co-operators offer car insurance coverage, as well as a range of other insurance products, such as home and life insurance. They offer discounts for safe driving and bundling your policies, and have a reputation for excellent customer service. They have a rating of 4.0 stars on Google reviews.
- Desjardins Insurance: Desjardins offers a range of car insurance options, including liability, collision, and comprehensive coverage. They also offer discounts for safe driving and insuring multiple vehicles, and have a reputation for good customer service. They have a rating of 3.8 stars on Google reviews.
- Economical Insurance: Economical Insurance offers car insurance coverage for standard and high-risk drivers, as well as a range of other insurance products. They offer discounts for safe driving and bundling your policies, and have a reputation for excellent customer service. They have a rating of 2.8 stars on Google reviews.
- Sonnet Insurance: Sonnet offers customizable car insurance policies with a variety of coverage options, including liability, collision, and comprehensive coverage. They also offer discounts for safe driving and bundling your policies, and have a reputation for good customer service. They have a rating of 2.8 stars on Google reviews.
Top 10 List of Best Car Insurance Brokers in Ajax
Here are some independent car insurance brokers in Ajax, along with their company descriptions and review ratings:
- Archway Insurance Brokers: Archway Insurance Brokers is an independent insurance brokerage that offers a wide range of insurance products, including car insurance. They work with a variety of insurance providers to find the best coverage at the most affordable price. They have a rating of 4.8 stars on Google reviews.
- Ives Insurance Services Inc.: Ives Insurance Services Inc. is an independent insurance brokerage that offers a range of insurance products, including car insurance. They work with multiple insurance providers to find the best coverage and rates for their clients. They have a rating of 4.8 stars on Google reviews.
- Insurance Buddy: Insurance Buddy is an independent insurance brokerage that specializes in finding affordable car insurance coverage for their clients. They work with multiple insurance providers to compare rates and coverage options, and offer personalized service and advice. They have a rating of 4.9 stars on Google reviews.
- Ambroziak & Rao Insurance Brokers: Ambroziak & Rao Insurance Brokers is an independent insurance brokerage that offers a range of insurance products, including car insurance. They work with multiple insurance providers to find the best coverage and rates for their clients, and provide personalized service and advice. They have a rating of 5.0 stars on Google reviews.
- Steele & Ferraro Insurance Brokers: Steele & Ferraro Insurance Brokers is an independent insurance brokerage that offers a range of insurance products, including car insurance. They work with multiple insurance providers to find the best coverage and rates for their clients, and provide personalized service and advice. They have a rating of 4.8 stars on Google reviews.
- Abram Insurance Brokers: Abram Insurance Brokers is an independent insurance brokerage that specializes in providing car insurance coverage to their clients. They work with multiple insurance providers to find the best rates and coverage options, and offer personalized service and advice. They have a rating of 5.0 stars on Google reviews.
- Wright & Associates Insurance Services: Wright & Associates Insurance Services is an independent insurance brokerage that offers a range of insurance products, including car insurance. They work with multiple insurance providers to find the best coverage and rates for their clients, and provide personalized service and advice. They have a rating of 4.6 stars on Google reviews.
- Keal Insurance Brokers: Keal Insurance Brokers is an independent insurance brokerage that offers a range of insurance products, including car insurance. They work with multiple insurance providers to find the best coverage and rates for their clients, and provide personalized service and advice. They have a rating of 5.0 stars on Google reviews.
- Northwood Insurance Brokers: Northwood Insurance Brokers is an independent insurance brokerage that offers a range of insurance products, including car insurance. They work with multiple insurance providers to find the best coverage and rates for their clients, and provide personalized service and advice. They have a rating of 4.8 stars on Google reviews.
- Magee Insurance Group: Magee Insurance Group is an independent insurance brokerage that offers a range of insurance products, including car insurance. They work with multiple insurance providers to find the best coverage and rates for their clients, and provide personalized service and advice. They have a rating of 4.8 stars on Google reviews.
Tips for Drivers in Ajax. Only actual Ajax
Here are some tips for drivers in Ajax that are specific to the city:
- Be aware of road closures and construction: Ajax is a growing city, and there are often road closures and construction projects underway. Stay up-to-date on these projects and plan your routes accordingly to avoid delays and traffic congestion.
- Watch out for pedestrians and cyclists: Ajax has many pedestrian and cycling trails, and it’s important to be aware of these when driving. Keep an eye out for pedestrians and cyclists, especially in residential areas and near parks and trails.
- Use public transit: Ajax has a good public transit system, and taking the bus or train can be a more convenient and affordable option than driving, especially during rush hour.
- Avoid distracted driving: Distracted driving is a serious problem in Ajax, and can lead to accidents and injuries. Avoid using your phone while driving, and keep your attention focused on the road.
- Obey traffic laws: Be sure to obey all traffic laws, including speed limits, stop signs, and traffic signals. Follow the rules of the road to help prevent accidents and keep yourself and others safe.
What are the Most Dangerous Intersections in Ajax?
According to the Durham Regional Police Service, the following intersections in Ajax had the most collisions from 2018 to 2020:
- Kingston Road and Harwood Avenue – 42 collisions
- Bayly Street and Westney Road – 31 collisions
- Rossland Road and Salem Road – 28 collisions
- Rossland Road and Westney Road – 23 collisions
- Rossland Road and Audley Road – 22 collisions
Total Reportable Collisions in Ajax
According to the Durham Regional Police Service, the total number of reportable collisions in Ajax from 2013 to 2021 is as follows:
- 2013: 1,719 collisions
- 2014: 1,655 collisions
- 2015: 1,650 collisions
- 2016: 1,620 collisions
- 2017: 1,766 collisions
- 2018: 1,867 collisions
- 2019: 1,825 collisions
- 2020: 1,722 collisions
- 2021 (as of September 2021): 1,138 collisions
About the Author: Valerie D. Hahn
Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.
