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Things to Know Before Getting Aurora Car Insurance
If you’re planning to get car insurance in Aurora, Ontario, there are a few things you should know beforehand to ensure that you get the best coverage for your needs and budget. Here are some important factors to consider:
- Minimum coverage requirements: In Ontario, all drivers are required by law to have a minimum amount of liability coverage. The standard minimum is $200,000 in liability coverage, but it’s recommended to get higher coverage limits for added protection.
- Types of coverage: Car insurance policies in Aurora typically include liability coverage, collision coverage, and comprehensive coverage. Liability coverage covers damages or injuries to other drivers or their property in an accident you caused. Collision coverage pays for damages to your own car in an accident. Comprehensive coverage covers non-collision events, such as theft or natural disasters.
- Deductibles: The deductible is the amount you pay out of pocket before your insurance coverage kicks in. A higher deductible can lower your premium, but it also means you’ll have to pay more in the event of an accident.
- Discounts: There are various discounts available to help lower your car insurance premium. For example, you may be eligible for a discount if you have a clean driving record, take a defensive driving course, or install certain safety features in your car.
- Shop around: It’s always a good idea to get quotes from multiple insurance providers to compare coverage options and pricing. Be sure to read the policy details carefully and ask any questions you may have before making a decision.
What is the Average Car Insurance Cost in Aurora?
The average annual cost of car insurance in Aurora, Ontario is $1,585.
Here’s the estimated monthly car insurance costs range in Aurora for a driver profile, married, with a clean driving record:
| Driver Profile | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| G1 Driver | $190 – $315 | $285 – $475 | $380 – $630 |
| G2 Driver | $165 – $275 | $245 – $410 | $330 – $550 |
| G | $130 – $220 | $195 – $330 | $260 – $440 |
| Teenage Driver | $290 – $480 | $435 – $725 | $580 – $960 |
| Young Driver | $200 – $335 | $300 – $500 | $400 – $670 |
| High-risk Driver | $450 – $750 | $675 – $1,125 | $900 – $1,500 |
| Occasional driver | $85 – $145 | $130 – $220 | $175 – $290 |
| Pleasure | $70 – $120 | $105 – $175 | $140 – $235 |
| Commuting | $105 – $175 | $160 – $270 | $215 – $360 |
| Good driver | $60 – $100 | $90 – $150 | $120 – $200 |
| Bad driver | $230 – $385 | $345 – $575 | $460 – $770 |
| New Driver | $110 – $185 | $165 – $275 | $220 – $365 |
| Secondary Driver | $70 – $120 | $105 – $175 | $140 – $235 |
| 17 Years Old | $290 – $480 | $435 – $725 | $580 – $960 |
| Seniors | $85 – $145 | $130 – $220 | $175 – $290 |
| Over 55 Years Old | $65 – $110 | $100 – $170 | $135 – $220 |
| Students | $85 – $145 | $130 – $220 | $175 – $290 |
| International Driver | $200 – $335 | $300 – $500 | $400 – $670 |
| Newcomers | $450 – $750 | $675 – $1,125 | $900 – $1,500 |
| Men Driver | $100 – $170 | $150 – $250 | $200 – $335 |
| Women Driver | $90 – $150 | $135 – $225 | $180 – $300 |
| Married Couples | $60 – $100 | $90 – $150 | $120 – $200 |
| Usage-Based | $60 – $100 | $90 – $150 | $120 – $200 |
| Uber/Lyft | $300 – $500 | $450 – $750 | $600 – $1,000 |
| Personal use | $60 – $100 | $90 – $150 | $120 – $200 |
Here’s the estimated monthly car insurance costs range in Aurora for different types of cars:
| Car Type | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| Sedan | $60 – $100 | $90 – $150 | $120 – $200 |
| Convertible | $70 – $120 | $105 – $175 | $140 – $235 |
| Hatchback | $55 – $90 | $80 – $135 | $110 – $180 |
| Wagon | $60 – $100 | $90 – $150 | $120 – $200 |
| Coupe | $80 – $135 | $120 – $200 | $160 – $270 |
| SUV | $90 – $150 | $135 – $225 | $180 – $300 |
| Truck | $90 – $150 | $135 – $225 | $180 – $300 |
| Minivans | $95 – $160 | $145 – $240 | $190 – $320 |
| Van | $90 – $150 | $135 – $225 | $180 – $300 |
| Electric Car | $75 – $125 | $115 – $190 | $155 – $260 |
| Hybrid Car | $70 – $120 | $105 – $175 | $140 – $235 |
| Multi Car | $60 – $100 | $90 – $150 | $120 – $200 |
| Exotic Car | $400 – $670 | $600 – $1,000 | $800 – $1,335 |
| Luxury Car | $200 – $335 | $300 – $500 | $400 – $670 |
| Classic Car | $150 – $250 | $225 – $375 | $300 – $500 |
| Vintage car | $150 – $250 | $225 – $375 | $300 – $500 |
| Sports Car | $180 – $300 | $270 – $450 | $360 – $600 |
| Leased cars | $80 – $135 | $120 – $200 | $160 – $270 |
| 2 Door | $80 – $135 | $120 – $200 | $160 – $270 |
Here’s the estimated monthly car insurance costs range in Aurora 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) |
|---|---|---|---|
| 1 one at-fault accident | $90 – $150 | $135 – $225 | $180 – $300 |
| 2 one at-fault accident | $130 – $220 | $195 – $325 | $260 – $440 |
| 1 non-fault accident | $60 – $100 | $90 – $150 | $120 – $200 |
| DUI conviction | $400 – $670 | $600 – $1,000 | $800 – $1,335 |
| 1 Speeding Ticket | $75 – $125 | $115 – $190 | $155 – $260 |
| 2 Speeding Tickets | $120 – $200 | $180 – $300 | $240 – $400 |
How Does Aurora Ontario’s Average Car Insurance Cost Compare to Other Cities?
Here are some comparisons of Aurora’s average car insurance cost to other cities in Ontario:
- Toronto: The average car insurance cost in Toronto is slightly higher than in Aurora, with an average annual cost of approximately $1,800 to $2,500.
- Markham: Markham’s average car insurance cost is similar to Aurora’s, with an average annual cost of approximately $1,500 to $2,000.
- Newmarket: Newmarket’s average car insurance cost is also similar to Aurora’s, with an average annual cost of approximately $1,500 to $2,000.
- Richmond Hill: Richmond Hill’s average car insurance cost is slightly higher than Aurora’s, with an average annual cost of approximately $1,800 to $2,500.
- Brampton: Brampton’s average car insurance cost is higher than Aurora’s and many other cities in Ontario, with an average annual cost of approximately $2,500 to $4,000.
Which Cars Have the Cheapest Car Insurance in Aurora Ontario?
Here are some examples of cars that typically have lower insurance rates in Aurora, along with their average annual insurance premiums:
- Honda Civic – The Honda Civic is a popular car in Aurora that typically has low insurance rates, with an average annual premium of around $1,400 to $1,600.
- Toyota Corolla – The Toyota Corolla is another reliable car that is generally inexpensive to insure, with an average annual premium of around $1,400 to $1,600.
- Ford Escape – The Ford Escape is a small SUV that is known for its safety features and typically has an average annual insurance premium of around $1,600 to $1,800.
- Hyundai Elantra – The Hyundai Elantra is a compact car with good safety ratings that typically has an average annual insurance premium of around $1,400 to $1,600.
- Mazda3 – The Mazda3 is a popular car in Aurora with low insurance rates, with an average annual premium of around $1,500 to $1,700.
How to Get the Cheapest Car Insurance in Aurora Ontario?
If you’re looking to get the cheapest car insurance in Aurora, Ontario, here are some tips to help you save money:
- Shop around: Get quotes from multiple insurance providers and compare coverage options and pricing. Rates can vary significantly between insurers, so it’s important to do your research and find the best deal for your needs.
- Bundle your policies: If you have multiple insurance policies (such as home or life insurance), consider bundling them with the same insurer. Many insurers offer discounts for customers who bundle their policies.
- Increase your deductible: Increasing your deductible can lower your monthly premium, but it also means you’ll have to pay more out of pocket if you get in an accident. Make sure you choose a deductible that you can comfortably afford.
- Maintain a clean driving record: Insurance rates are typically higher for drivers with a history of accidents or traffic violations. Drive safely and obey traffic laws to keep your rates as low as possible.
- Choose a low-risk vehicle: Some cars are more expensive to insure than others. Consider choosing a vehicle with good safety ratings, low repair costs, and low theft rates to help keep your insurance costs down.
- Take advantage of discounts: Many insurers offer discounts for things like having a clean driving record, taking a defensive driving course, or installing certain safety features in your car. Make sure you ask about any available discounts that you may be eligible for.
Aurora Ontario Car Insurance Facts
Here are some car insurance facts that are specific to Aurora, Ontario:
- Aurora is located in the Regional Municipality of York, which is one of the most expensive areas for car insurance in Ontario.
- The average cost of car insurance in Aurora is around $1,500 to $2,000 per year, but rates can vary significantly based on factors such as your age, driving record, and the make and model of your vehicle.
- Aurora is home to a number of major insurance companies, including Allstate, Aviva, Desjardins, Intact, and TD Insurance.
- In Ontario, all drivers are required by law to have a minimum amount of liability coverage. The standard minimum is $200,000 in liability coverage, but it’s recommended to get higher coverage limits for added protection.
- There are many factors that can impact your car insurance rates in Aurora, including your driving record, age, gender, marital status, credit score, and the type of vehicle you drive.
- Insurance rates in Ontario are regulated by the Financial Services Regulatory Authority of Ontario (FSRA), which sets the maximum amount that insurers can charge for coverage.
- There are many ways to save money on car insurance in Aurora, including bundling policies, choosing a high deductible, maintaining a clean driving record, and taking advantage of discounts offered by your insurer.
List of Best Car Insurance Companies in Aurora Ontario
Here is a list of some of the best car insurance companies in Aurora, Ontario, along with a brief description, bullet point reviews, and their star ratings based on customer feedback from various sources:
- Allstate Insurance: Allstate is one of the largest car insurance providers in Canada, offering a variety of coverage options and discounts. Some of its features include accident forgiveness, claims satisfaction guarantee, and a rewards program.
- Reviews: 4.2 stars on Google, 3.3 stars on Yelp, 3.7 stars on Consumer Affairs
- Belairdirect: Belairdirect is a Canadian car insurance company that offers customizable coverage options and competitive rates. Some of its features include roadside assistance, accident forgiveness, and a mobile app for managing your policy.
- Reviews: 3.7 stars on Google, 1.5 stars on Yelp, 2.2 stars on Consumer Affairs
- Desjardins Insurance: Desjardins is a leading provider of car insurance in Canada, offering a range of coverage options and discounts. Some of its features include 24/7 claims service, a mobile app for managing your policy, and a rewards program.
- Reviews: 3.6 stars on Google, 1.5 stars on Yelp, 2.3 stars on Consumer Affairs
- Intact Insurance: Intact is one of the largest providers of car insurance in Canada, offering a variety of coverage options and discounts. Some of its features include 24/7 claims service, a mobile app for managing your policy, and a rewards program.
- Reviews: 4.0 stars on Google, 1.5 stars on Yelp, 2.3 stars on Consumer Affairs
- TD Insurance: TD Insurance is a Canadian insurance company that offers a range of car insurance coverage options and discounts. Some of its features include roadside assistance, a claims guarantee, and a mobile app for managing your policy.
- Reviews: 3.7 stars on Google, 1.5 stars on Yelp, 2.1 stars on Consumer Affairs
List of Best Car Insurance Brokers in Aurora Ontario
Here is a list of some of the best independent car insurance brokers in Aurora, Ontario, along with a brief description, bullet point reviews, and their star ratings based on customer feedback from various sources:
- Rhodes & Williams Insurance Brokers: Rhodes & Williams is an independent insurance brokerage that has been providing personalized service to customers in Aurora and the surrounding area for over 60 years. Some of its features include customized coverage options, expert advice, and competitive rates.
- Reviews: 4.3 stars on Google, 5.0 stars on Facebook, 4.9 stars on Yellow Pages
- Jeffery & Spence Insurance Brokers: Jeffery & Spence is an independent insurance brokerage that has been serving the Aurora community for over 90 years. Some of its features include customized coverage options, expert advice, and personalized service.
- Reviews: 4.3 stars on Google, 5.0 stars on Facebook, 5.0 stars on Yellow Pages
- Morison Insurance: Morison Insurance is an independent insurance brokerage that offers a variety of coverage options and discounts. Some of its features include expert advice, personalized service, and competitive rates.
- Reviews: 4.6 stars on Google, 5.0 stars on Facebook, 5.0 stars on Yellow Pages
- Billyard Insurance Group: Billyard Insurance Group is an independent insurance brokerage that offers a range of coverage options and discounts. Some of its features include expert advice, personalized service, and competitive rates.
- Reviews: 4.7 stars on Google, 5.0 stars on Facebook, 4.9 stars on Yellow Pages
- CCV Insurance & Financial Services Inc.: CCV Insurance is an independent insurance brokerage that offers a range of coverage options and discounts. Some of its features include personalized service, expert advice, and competitive rates.
- Reviews: 4.4 stars on Google, 4.9 stars on Facebook, 4.8 stars on Yellow Pages
Tips for Drivers in Aurora Ontario
If you’re a driver in Aurora, Ontario, here are some tips to help you navigate the roads safely and legally:
- Winter driving: Aurora experiences cold and snowy winters, which can make driving conditions hazardous. Be sure to have winter tires on your car and drive slowly and cautiously in snowy or icy conditions.
- Deer and wildlife: Aurora is home to many parks and conservation areas, which means there is a risk of encountering deer and other wildlife on the road. Be sure to drive with caution and keep an eye out for any animals on or near the road.
- Distracted driving: Ontario has strict laws against distracted driving, including using a handheld device while driving. Put away your phone or other distractions while driving to avoid getting a ticket or causing an accident.
- Speed limits: Be aware of the speed limits on different roads in Aurora and make sure to follow them. Some residential areas have lower speed limits, and school zones and construction zones may have reduced speed limits as well.
- Roundabouts: Aurora has several roundabouts on its roads. If you’re unfamiliar with how to navigate a roundabout, be sure to slow down and yield to traffic in the circle.
- Drinking and driving: Drinking and driving is a serious offense in Ontario, and the penalties can be severe. Never drink and drive, and always have a designated driver or plan for alternative transportation if you plan to drink.
What are the Most Dangerous Intersections in Aurora Ontario?
According to York Region’s annual collision report, the following intersections in Aurora, Ontario were among the most dangerous based on the number of collisions reported in 2020:
- Wellington Street East and Bayview Avenue – 20 collisions reported in 2020
- Yonge Street and Murray Drive – 18 collisions reported in 2020
- Wellington Street East and Leslie Street – 14 collisions reported in 2020
- Bayview Avenue and St. John’s Sideroad – 13 collisions reported in 2020
- Wellington Street West and Industrial Parkway North – 12 collisions reported in 2020
Total Reportable Collisions in Aurora Ontario
According to York Region’s annual collision reports, the total number of reportable collisions in Aurora, Ontario from 2013 to 2021 are as follows:
- 2013: 1,150 reportable collisions
- 2014: 1,065 reportable collisions
- 2015: 1,180 reportable collisions
- 2016: 1,144 reportable collisions
- 2017: 1,257 reportable collisions
- 2018: 1,210 reportable collisions
- 2019: 1,148 reportable collisions
- 2020: 1,168 reportable collisions
- 2021: Data not yet available
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.
