Along with Milton to the north, Burlington forms the western boundary of the Greater Toronto Area. It’s also the turning point for the Golden Horseshoe, an informal name for the 8 million people living in the industrial region around the west end of Lake Ontario. The Golden Horseshoe extends from Oshawa to Niagara Falls.

With its position in the region, life in Burlington is car oriented. The Queen Elizabeth Way, Highway 403 and Highway 407ETR provide high volume expressway service through the city.

Though the city once had commercial docks serving the logging industry, the area switched over to general agriculture, leaving shipping to the protected waters within Burlington Bay, to the west. The growing towns of York, to the east, and Hamilton to the southwest meant that the Burlington area has always been a through point for traffic. This results in a diverse economy today. No one sector or employer dominates. The transportation infrastructure and central location in the Golden Horseshoe provide appeal to a number of industries, ensuring Burlington’s viability for the future.

How Much Does Car Insurance Cost in Burlington

As of 01-Aug-20, the average cost of car insurance in Burlington is $1,391.

Quote Date	Average Auto Insurance Cost in Burlington*
01-Jan-16	$1,023
01-Jul-16	$1,046
19-Mar-17	$1,136
01-Aug-17	$1,099
01-Jul-18	$1,127
19-Mar-19	$1,276
01-Aug-20	$1,391

*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 the city of Burlington 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 Burlington

Though other cities in the GTA, such as Brampton, can cost the same driver over $600 more for insurance, Burlington motorists can use the same money-saving techniques to keep auto insurance prices down. The private and competitive market in Ontario encourages competition between car insurance providers. Overseen by the Financial Services Commission of Ontario, the industry, while highly regulated, permits individual companies to set their own policies and procedures. Provided these meet FSCO approval, these procedures permit each company to hunt for a competitive edge. That’s why some insurers offer certain policies at greatly reduced costs. Motorists who aggressively compare prices can usually save money.

Statutory Insurance in Ontario

Basic coverage in the province is mandatory. To drive on the province’s roads, every car requires insurance. Basic coverage has only four areas of protection, though. These sections are:

• Third Person Liability: $200,000 in coverage is the minimum requirement.
• Statutory Accidents Benefits: these cover medical and rehabilitation costs beyond those covered by provincial health plans.
• Direct Compensation Property Damage: when another person causes an accident, you’re entitled to benefits, but these are paid by your own insurance company in some situations.
• Unidentified/Uninsured Motorist: applying to hit and run accidents or those involving a driver illegally operating a vehicle without proper insurance, this coverage protects you where another insurer may not be involved.

Additions to the mandatory coverage amounts are common options for many drivers. In particular, third party liability coverage may not be adequate at $200,000. Increasing coverage to $500,000 or beyond commonly occurs. Statutory accident benefits can be extended in a similar way.

Notice that collision and comprehensive coverage are not part of the mandatory package. While some situations cover repairs under the mandatory policy, additional endorsements protect a motorist in virtually all situations. Not only do many drivers want this coverage, banks and other loan providers may insist on it as part of financing a car.

The cost of collision and comprehensive insurance is partly offset by raising deductible limits.

Driving in Burlington

• Traffic in Burlington is dominated by the controlled-access expressways in the city.
• The QEW was, for many years, the only high volume route through Burlington. A short section of the 403 extended west, connecting to Highway 6 and Hamilton mountain.
• The 403 now extends from Highway 401 and Highway 410 in the east to Highway 401 at Woodstock in the west.
• Highway 407ETR has its western terminus at the 403, slightly west of where the 403 joins the QEW.
• There is no direct access from the QEW westbound to the 407ETR. The toll route can be accessed by entering the QEW at Fairview Street or directly onto the 407ETR at Dundas Street between Guelph Line and Walkers Line or at Appleby Line.
• East-west traffic through the city from the QEW to eastern city limits use primarily Lakeshore Road, New Street and Fairvew Street. West of the QEW, Plains Road dominates south of the 403, to the Royal Botanical Gardens.
• Major north-south routes through the city are, west to east, Brant Street, Guelph Line, Walkers Line, Appleby Line and Burloak Drive.
• High Occupancy Vehicle lanes start in the west on the QEW/403 at Burlington. Vehicles must have two or more occupants, including the driver, to use these lanes. HOV requirements increased to three or more occupants during the Pan Am games.

List of Driving Schools in Burlington Ontario

Name	Address	Phone
G Class Driver Ltd	3040 New St, Burlington, ON L7N 1M5	905-634-1112
G1 G2 Driving School	5327 Upper Middle Rd, Burlington, ON L7L 0E9	905-630-6000
Drive Sense Driving School	2230 Mountainside Dr, Burlington, ON L7P 1B5	905-407-4661
DriveWise Burlington	2201 Brant St, Burlington, ON L7P 3N8	905-335-1966
Defensive Drivers Halton	1377 Lakeshore Rd, Burlington, ON L7S 1B1	905-637-3233
ABC Driving School	45 – 760 Brant St, Burlington, ON L7R 4B8	289-812-4545
Universal Driving School	484 Guelph Line, Burlington, ON L7R 3L9	905-333-3899
Dorothy’s Driving School	5-498A Brant St, Burlington, ON L7R 2G4	905-637-2148
Ultimate Drivers Burlington	591 Brant St, Burlington, ON L7R 2G6	905-335-6292

Road Information for Burlington

• The Ministry of Transportation for Ontario provides an interactive map of the Burlington and Mississauga region.
• Burlington also has coverage on the MTO’s Hamilton traffic report page.
• The City of Burlington reports road closures on its web pages.
• Local TV station CHCH reports on area road conditions, including Burlington.
• The Weather Network provides both short and long-term weather outlooks for Burlington and surrounding area.
• Three DriveTest facilities serve the Burlington area. These are at the Burlington Power Centre, 1250 Brant Street, unit #2; 2370 Wyecroft Road in Oakville and 370 Kenora Avenue in Stoney Creek.

Driving Facts for Burlington

• The QEW began life as a work project during the depression. In the mid-1930s, plans adapted to develop the road in the image of the German autobahns. This meant separating the road by lanes of travel and adding interchanges above or below the grade of travel. When it opened in 1937, the QEW was the first intercity divided highway in Canada or the U.S.
• The QEW was also the longest continuously illuminated road in the world at that time.
• The highway belongs to Ontario’s 400-series highways, though its administrative designation, Highway 451, doesn’t see public use.
• The “Elizabeth” in the highway’s name is King George V’s wife, Elizabeth, the Queen Mother. This was the current Queen Elizabeth’s mother.
• Half of the skyway over the canal into Burlington Bay is within Burlington city limits.

List of Insurance Brokers in Burlington Ontario

Name	Address	Phone
Elliott & Crawford Ins Ltd	215-3385 Harvester Rd, Burlington, ON L7N 3N2	289-812-7945
Holton Insurance & Financial Services	3425 Harvester Rd, Burlington, ON L7N 3N1	905-634-1122
Johnson Inc	3310 S Service Rd, Burlington, ON L7N 3M6	905-631-6122
Guidance Financial Services	108-3050 Harvester Rd, Burlington, ON L7N 3J1	905-631-6599
Morison Insurance Brokers Inc	3380 South Service Rd, Burlington, ON L7N 3J5	905-639-0681
Youngs Insurance Brokers	3602 Henshaw Pl, Burlington, ON L7N 3X1	905-632-5768
Pv & V Insurance Center L	3410 South Service Rd, Burlington, ON L7N 3T2	905-632-1713
O’Connor & Associates Benefit Brokers	3190 Harvester Rd, Burlington, ON L7N 3T1	905-333-8558
Brownhill Gordon Insurance Brokers Limited	3455 Harvester Rd, Burlington, ON L7N 3P2	905-639-9624
TK Woodmar Insurance	835 Harrington Crt, Burlington, ON L7N 3P3	905-639-3311
The Co-Operators	520 Walker’s Line, Burlington, ON L7N 2E2	905-333-5275
Dalton Timmis Insurance	600-1100 Walker’s Line, Burlington, ON L7N 2G3	905-633-9019
Haber Blain Insurance	3018 New St, Burlington, ON L7N 1M5	905-631-6767
The Economical Insurance Group	4463 Concord Pl, Burlington, ON L7L 1J5	905-639-6004
All-risks Insurance Brokers Ltd	2-5014 New St, Burlington, ON L7L 1V1	905-632-2100
Youngs Insurance Brokers	5060 Fairview St, Burlington, ON L7L 0B4	289-337-4001
RBC Insurance	G2-2485 Appleby Line, Burlington, ON L7L 0B6	905-332-2551
Allstate Insurance Company of Canada	1940 Appleby Line, Burlington, ON L7L 0B7	289-288-5070
Canadian Universities Reciprocal Insurance Exchange (C U R I E)	5000 North Service, Burlington, ON L7L 6W6	905-336-3366
Harry & Company	500-5575 North Service Rd, Burlington, ON L7L 6M1	905-599-4961
State Farm Insurance	2-1800 Appleby Line, Burlington, ON L7L 6A1	905-335-8245
D.b. Thomas Insurance Brokers Inc	4145 North Service Rd, Burlington, ON L7L 6A3	905-336-5377
Global Reinsurance	1016 Sutton Dr, Burlington, ON L7L 6B8	905-335-8265
State Farm Insurance	102B-1100 Burloak Dr, Burlington, ON L7L 6B2	905-319-3553
State Farm Insurance	6-4380 South Service Rd, Burlington, ON L7L 5R8	905-632-9000
TK Woodmar Insurance	2380 Headon Rd, Burlington, ON L7M 4E2	9056351090
Utter Morris Insurance Brokers Limited	5-3070 Mainway, Burlington, ON L7M 3X1	905-332-7877
The Co-operators	1450 Headon Rd, Burlington, ON L7M 3Z5	905-681-1977
State Farm Insurance	3528 Mainway, Burlington, ON L7M 1A8	289-348-1032
MacDowell Insurance Brokers Limited	3523A Mainway, Burlington, ON L7M 1A9	289-812-0021
Advance Insurance Services Ltd	3077 Mainway, Burlington, ON L7M 1A1	905-681-1160
Insurance Project Consultants	1389 Allangrove Dr, Burlington, ON L7M 1J4	905-639-1785
The Co-operators	1253 Silvan Forest Dr, Burlington, ON L7M 0B7	905-332-7777
Mac Vanderhout Insurance Brokers Limited	102-1005 Skyview Dr, Burlington, ON L7P 5B1	905-336-5001
State Farm Insurance	8-2400 Guelph Line, Burlington, ON L7P 4M7	905-315-9220
State Farm Insurance	108-2201 Brant St, Burlington, ON L7P 3N8	905-335-2975
Theys Insurance Ltd	460 Brant St, Burlington, ON L7R 4B6	905-315-9624
Pearson Dunn Insurance Inc	399 Elizabeth St, Burlington, ON L7R 0A4	905-631-9090
Imperial Life Insurance	923 Brant St, Burlington, ON L7R 2J6	289-337-8755
Tripemco Burlington Insurance Group Limited	440 Elizabeth St, Burlington, ON L7R 2M1	905-333-3074
Coons David H Insurance Brokers Limited	574 Brant St, Burlington, ON L7R 2G8	905-632-2305
Wardell Insurance	431 Brant St, Burlington, ON L7R 2G3	905-634-5239
State Farm Insurance	B3A-645 Plains Rd E, Burlington, ON L7T 4J5	905-681-8126
Sweet Lemons	B4-1010 Downsview Dr, Burlington, ON L7T 4H8	289-812-3818
The Co-operators	460 Plains Rd E, Burlington, ON L7T 2E1	905-681-3500
Preston Insurance Services	242 Plains Rd E, Burlington, ON L7T 2C3	905-633-8877

Burlington drivers can find the best auto insurance quotes using Ratelab’s car insurance calculator. This insurance search engine scans Ratelab’s industry partners for the policy that best meets your car insurance needs. Enter your postal code below to start the free service. In just a few minutes, you’ll have up to 10 estimates including the lowest rates you can pay for your car insurance policy.