Plenty of towns in Canada have names originating from historical events and Ajax is no different. The connection between Ajax and the event is perhaps a bit closer than most. The origins of the city date to World War II, when a munitions factory popped up in Pickering township. The factory had the infrastructure of a small town including schools and water treatment. Employing over 9,000 people and supporting their families, the factory produced 40 million shells by the end of the war. Naming the settlement in honour of the first British naval victory of the war made sense. The town took its name from a ship involved in the battle with the Graf Spee. This battle resulted in the scuttling of the German cruiser, the HMS Ajax.

In the 401 corridor east of Toronto, Ajax today is a bedroom community in the Greater Toronto Area, consisting mostly of single-family detached homes. Bordered by Pickering to the west and north, Whitby to the east and Lake Ontario to the south, Ajax has limited options for further growth. Its place in the GTA leaves residents dependent on cars for mobility, and there are also few options to improve traffic volumes apart from widened lanes on the 401 and improved access to the toll highway 407 to the north. While Go service offers an intercity transit alternative to driving, auto insurance prices for Ajax residents likely remain high due to the extra kilometers their location demands.

How Much Does Car Insurance Cost in Ajax

The average cost of car insurance in Ajax is $1,595.

Quote Date	Average Auto Insurance Cost in Ajax*
01-Jan-16	$1,302
01-Jul-16	$1,330
19-Mar-17	$1,399
01-Aug-17	$1,394
01-Jul-18	$1,421
19-Mar-19	$1,476
01-Aug-20	$1,595

*Methodology: We used a sample profile for a male driver aged 30 years with his own vehicle having mandatory coverage. He drives a Honda Civic 2012 car with an average mileage of 5000 – 8000 km per year to commute to work. He has a clean driving record history of 5 years with no accidents or collisions.

We surveyed the car insurance prices in Ajax for the purpose of illustrating the range in quotes based on driving record, location, and other criteria. To get a customized quote, enter your postal code above.

Affordable Car Insurance in Ajax

While geography is only one factor affecting car insurance pricing in Ontario, it can add significantly to total cost. Much more influential is a driver’s personal history. Traffic tickets and at-fault accident claims have the potential to drive insurance rates up substantially. Claims-free, safe driving produces the lowest auto insurance premiums.

Insurance companies propose their own rules for setting premiums. These receive approval by the Financial Services Commission of Ontario, providing the basis for each company’s operations. This results in a competitive auto insurance market for the consumer, where one policy may show a range spanning several hundred dollars across different insurers. Consumers ready to shop aggressively can potentially score big savings by switching companies.

The composition of a car insurance policy also has a large effect on its annual cost. The government of Ontario requires insurance for all vehicles on the road, but this is a relatively small amount of coverage. Most motorists in the province extend the basic amount of third party liability coverage and add collision and comprehensive insurance. The mandatory provincial policy doesn’t require these add-ons.

The price of a car insurance policy is further increased by adding additional options. Price is reduced by removing optional coverage, increasing deductible limits or adding discounts. Most insurers have a range of discounts for which drivers qualify. These will drop policy prices, but usually only if the driver requests them. Insurers rarely apply discounts automatically.

Driving in Ajax Ontario

• Highway 401 defines life in Ajax. Dividing the town roughly in half, the 401 is the main route in and out. Ten lanes wide at the western edge and six lanes at the eastern edge, Ajax represents a daily bottleneck for afternoon rush hour traffic eastbound. Weekends and holidays may also experience congestion as traffic to Kingston, Ottawa and Montreal increases.
• Westney Road, Salem Road and Regional Road 23 provide ramp access to the 401 in Ajax
• Opening in 2016, Highway 412, east of Ajax, gives access to the 407 toll highway, 10 km to the north. Highway 412 will also be a toll road, but due to delays in construction, travel is free until 2017. Although the 412 requires Ajax drivers to counterintuitively drive east to head to the big city, the toll status may keep traffic volumes down, freeing users from daily traffic snarls.
• Highway 2 runs parallel to the 401 as Kingston Road through Ajax.
• Harwood Avenue is the main north-south route through downtown Ajax, although direct access to the 401 ended in 2003 when the Salem Road interchange opened.

List of Driving Schools in Ajax

Name	Address	Phone
Onroute Driving Academy	72 Harwood Ave S, Ajax, ON L1S 2H6	905-426-1100
All Seasons Driving Schoo	5 Harwood Ave S, Ajax, ON L1S 2C1	905-428-1333
Durham’s Elite Driving	30 Hunt St, Ajax, ON L1S 3M2	905-426-4488
Driving Guru Training Institute Inc	87 Old Kingston Rd, Ajax, ON L1T 3A6	905-239-6969
Eric’s Driving Academy	40 Old Kingston Rd, Ajax, ON L1T 2Z7	905-427-7109
Standard Academy Driving School	279 Kingston Rd E, Ajax, ON L1Z 0K5	905-239-3535
Best Choice Driving School	204-1 Rossland Rd W, Ajax, ON L1Z 1Z2	905-686-2224

Road Information for Ajax

• Website AjaxPickering.ca features traffic cameras on the 401 within the towns and beyond for commuter planning.
• The Ministry of Transportation for Ontario provides a traffic report page for Durham Region. This includes road closures due to maintenance and construction.
• The Weather Network offers short term weather reports for Ajax.
• The Town of Ajax maintains a list of civic infrastructure projects including road and sidewalk repairs.
• Ajax has no DriveTest location of its own, the nearest being in Oshawa.
• Over 10 locations certified to provide DriveClean emissions tests operate in the town.
• Ajax is similarly supported by auto insurance agents and brokers operating in town.

Driving Facts for Ajax

• The express/collector system of the 401 that traverses most of Toronto will extend through Ajax and Whitby. This system, for supporting both local and through traffic on the highway, got its inspiration from the Dan Ryan Expressway in Chicago.
• The six-lane section of the 401 on the east side of Ajax is scheduled for expansion to 10 lanes.
• The 401’s COMPASS road camera and real-time traffic assessment tool extends from the 403/410 in the west to Harwood Avenue in Ajax.
• Though it is Ajax’s closest north-south controlled access route, the 412 is entire within Whitby’s limits.
• The 412 and 407 extension are not part of the 407ETR, leased by private investors. These sections remain provincially operated. Costs for using the provincial highways are less expensive than the private sections.
• Extending the 407 east of Oshawa will also add another north-south link to the 401, Highway 418. Plans for further development of the 407 to the east end at Highway 115/35 between Clarington and Peterborough.

List of Insurance Companies and Brokers in Ajax Ontario

Name	Address	Phone
John H Feeley Ltd	50 Commercial Ave, Ajax, ON L1S 2H5	905-428-7441
Intact Insurance Company	8-59 Westney Rd S, Ajax, ON L1S 2C9	905-686-0200
Best Buy Insurance Brokers Inc	106-15 Harwood Ave S, Ajax, ON L1S 2B9	9056838667
Pine Ridge Insurance	4-676 Monarch Ave, Ajax, ON L1S 4S2	905-683-9725
Royal Insurance	7 Kirkham Dr, Ajax, ON L1S 5L1	905-683-4602
Mitchel Sandham Inc	467 Westney Rd S, Ajax, ON L1S 6V7	905-683-4549
BML Insurance Brokers Limited	467 Westney Rd S, Ajax, ON L1S 6V8	289-315-0813
Morris Tate – VFG Financial Group	180 Wright Cres, Ajax, ON L1S 6X4	416-725-5619
Jones-Dooley Insurance Brokers	103 Church St S, Ajax, ON L1S 6A9	289-460-1765
James Brindle Insurance & Financial Services	92 Church St S, Ajax, ON L1S 6B4	905-426-6363
Russ Bastow Insurance	68 Church St S, Ajax, ON L1S 6B3	289-460-3932
Davidson J S Insurance Brokers Ltd	579 Kingston Rd W, Ajax, ON L1S 6M1	905-683-8986
AM Fredericks Underwriting Management Ltd	339 Westney Rd S, Ajax, ON L1S 7J6	905-428-1269
Golden Age Insurance Inc	12-145 Kingston Rd E, Ajax, ON L1S 7J4	289-460-1491
Western Assurance Company	305-230 Westney Rd S, Ajax, ON L1S 7J5	905-686-8326
Spriggs Insurance Brokers Limited	28 Batt Cres, Ajax, ON L1T 4M2	905-686-5600
Allstate Insurance Company Of Canada	15 Westney Rd N, Ajax, ON L1T 1P4	9054272827
Allstate Insurance Company of Canada	15 Westney Rd N, Ajax, ON L1T 1P5	289-460-3712
State Farm Insurance	54 Ravenscroft Rd, Ajax, ON L1T 1W2	905-683-8258
All Risks Insurance Brokers Ltd	17-1801 Harwood Ave N, Ajax, ON L1T 0K8	905-686-5665
Bradley Bros	34 Old Kingston Road, Ajax, ON L1T 2Z7	905-683-4155
Desjardins Financial Security Investments Inc	244 Kingston Rd E, Ajax, ON L1Z 1G1	289-275-3084
Spriggs Insurance Brokers Ltd	15 Top St, Ajax, ON L1Z 1E4	289-275-2930
Bethel Insurance Brokers	1 Rossland Rd W, Ajax, ON L1Z 1Z2	905-683-2323
Gwilliames & Associates Ins Brokers Ltd	2 Bunhill Crt, Ajax, ON L1Z 1X5	289-803-1156
Bryson & Associates Insurance Brokers Ltd	541 Bayly St E, Ajax, ON L1Z 1W7	905-426-8787

Ajax residents can search the crowded Ontario car insurance market using Ratelab’s car insurance calculator to comparison shop through dozens of providers. To start the process, enter your home postal code in the space provided below. Simply complete the remaining information identifying your car insurance situation and needs, and Ratelab searches through its industry partners to point you to the most affordable coverage. The calculator is free and without obligation.