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Here are some things to know before getting car insurance in Burlington, Ontario:
- Insurance rates can vary: Car insurance rates can vary depending on individual factors like age, driving record, and the type of vehicle being insured. Rates can also vary depending on where you live in Burlington.
- Minimum coverage: In Ontario, drivers are required to carry a minimum of $200,000 in third-party liability coverage. However, many drivers choose to purchase additional coverage to protect themselves in the event of an accident.
- Types of coverage: Drivers in Burlington can choose from several types of coverage, including third-party liability, collision, comprehensive, and more. The type and amount of coverage you choose can affect your premium.
- Insurance providers: There are several insurance providers that offer car insurance in Burlington, including Allstate, Desjardins Insurance, Co-operators, and many others.
- Discounts: Many insurance providers offer discounts for things like bundling your car insurance with other policies, being a safe driver, or having anti-theft devices installed in your car. Be sure to ask about available discounts when shopping for car insurance.
- Winter driving: Burlington experiences harsh winter weather, which can create hazardous driving conditions. Be sure to prepare your vehicle for winter driving and adjust your driving habits to accommodate for icy or snowy roads.
- Road conditions: Like many urban areas, Burlington can experience traffic congestion during peak travel times, which can increase the risk of accidents. Be sure to stay aware of your surroundings and obey traffic laws to help prevent accidents.
What is the Average Car Insurance Cost in Burlington?
According to recent data, the average annual car insurance premium in Burlington is around $1,629.
Here’s a table showing the average car insurance costs range in Burlington for different driver profiles:
Please note that these are just estimated monthly costs and can vary based on various factors such as driving history, location, and coverage limits.
| Driver Profile | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| G1 Driver | $120 – $240 | $165 – $325 | $210 – $420 |
| G2 Driver | $95 – $190 | $130 – $255 | $165 – $330 |
| Full G | $70 – $140 | $95 – $185 | $120 – $240 |
| Teenage Driver | $240 – $480 | $330 – $660 | $420 – $840 |
| Young Driver | $200 – $400 | $280 – $560 | $360 – $720 |
| High-risk Driver | $400 – $800 | $560 – $1120 | $720 – $1440 |
| Occasional Driver | $70 – $140 | $95 – $185 | $120 – $240 |
| Pleasure Driver | $70 – $140 | $95 – $185 | $120 – $240 |
| Commuting Driver | $95 – $190 | $130 – $255 | $165 – $330 |
| Good Driver | $70 – $140 | $95 – $185 | $120 – $240 |
| Bad Driver | $400 – $800 | $560 – $1120 | $720 – $1440 |
| New Driver | $120 – $240 | $165 – $325 | $210 – $420 |
| Secondary Driver | $70 – $140 | $95 – $185 | $120 – $240 |
| 17 Years Old | $240 – $480 | $330 – $660 | $420 – $840 |
| Seniors | $70 – $140 | $95 – $185 | $120 – $240 |
| Over 55 Years Old | $70 – $140 | $95 – $185 | $120 – $240 |
| Students | $95 – $190 | $130 – $255 | $165 – $330 |
| International Driver | $120 – $240 | $165 – $325 | $210 – $420 |
| Newcomers | $120 – $240 | $165 – $325 | $210 – $420 |
| Men Driver | $95 – $190 | $130 – $255 | $165 – $330 |
| Women Driver | $70 – $140 | $95 – $185 | $120 – $240 |
| Married Couples | $70 – $140 | $95 – $185 | $120 – $240 |
| Usage-Based | $70 – $140 | $95 – $185 | $120 – $240 |
| Uber/Lyft | $120 – $240 | $165 – $325 | $210 – $420 |
| Personal Use | $70 – $140 | $95 – $185 | $120 – $240 |
Here’s a table showing the estimated monthly car insurance costs range for different types of cars in Burlington:
| Car Type | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| Sedan | $70 – $140 | $95 – $185 | $120 – $240 |
| Convertible | $80 – $160 | $110 – $215 | $140 – $280 |
| Hatchback | $60 – $120 | $80 – $155 | $100 – $200 |
| Wagon | $70 – $140 | $95 – $185 | $120 – $240 |
| Coupe | $70 – $140 | $95 – $185 | $120 – $240 |
| SUV | $80 – $160 | $110 – $215 | $140 – $280 |
| Truck | $75 – $150 | $100 – $195 | $125 – $250 |
| Minivans | $80 – $160 | $110 – $215 | $140 – $280 |
| Van | $80 – $160 | $110 – $215 | $140 – $280 |
| Electric Car | $90 – $180 | $125 – $245 | $160 – $320 |
| Hybrid Car | $85 – $170 | $115 – $225 | $145 – $290 |
| Multi Car | $70 – $140 | $95 – $185 | $120 – $240 |
| Exotic Car | $500 – $1000 | $700 – $1400 | $900 – $1800 |
| Luxury Car | $250 – $500 | $350 – $700 | $450 – $900 |
| Classic Car | $100 – $200 | $135 – $270 | $170 – $340 |
| Vintage car | $90 – $180 | $125 – $245 | $160 – $320 |
| Sports Car | $190 – $380 | $265 – $530 | $340 – $680 |
| Leased cars | $85 – $170 | $115 – $225 | $145 – $290 |
| 2 Door | $70 – $140 | $95 – $185 | $120 – $240 |
Here’s a table showing the average car insurance costs range in Burlington, based on their driving history:
| Driving History | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| Clean Driving Record | $70 – $140 | $95 – $185 | $120 – $240 |
| 1 At-Fault Accident | $100 – $200 | $140 – $280 | $180 – $360 |
| 2 At-Fault Accidents | $130 – $260 | $180 – $360 | $230 – $460 |
| 1 Non-Fault Accident | $70 – $140 | $95 – $185 | $120 – $240 |
| DUI Conviction | $130 – $260 | $180 – $360 | $230 – $460 |
| 1 Speeding Ticket | $75 – $150 | $100 – $195 | $125 – $250 |
| 2 Speeding Tickets | $95 – $190 | $130 – $255 | $165 – $330 |
How Does Burlington’s Average Car Insurance Cost Compare to Other Cities?
Here is a comparison of Burlington’s average car insurance cost to other cities in Ontario:
- Brampton – $2,698
- Vaughan – $1,919
- Toronto – $1,886
- Mississauga – $1,805
- Markham – $1,729
- Richmond Hill – $1,718
- Oakville – $1,597
- Burlington – $1,519
- Hamilton – $1,499
- Kitchener – $1,448
Which Cars Have the Cheapest Car Insurance in Burlington?
According to recent data, here are some cars that tend to have lower car insurance rates in Burlington, along with their average annual premiums:
- Honda CR-V – $1,425
- Toyota RAV4 – $1,442
- Hyundai Tucson – $1,474
- Mazda CX-5 – $1,431
- Ford Escape – $1,564
- Kia Sorento – $1,554
- Honda Civic – $1,531
- Toyota Corolla – $1,676
- Nissan Rogue – $1,642
- Chevrolet Cruze – $1,735
How to Get the Cheapest Car Insurance in Burlington?
Here are some tips for getting the cheapest car insurance in Burlington:
- Shop around: It’s always a good idea to get quotes from multiple insurance providers to compare coverage and pricing. Each insurer may have their own rating criteria, so shopping around could help you find a lower rate.
- Consider bundling: Many insurance providers offer discounts for bundling multiple policies, such as car and home insurance. Be sure to ask about available discounts when shopping for car insurance.
- Increase your deductible: Raising your deductible, or the amount you pay out-of-pocket in the event of a claim, can lower your monthly premium. However, make sure you can afford to pay the higher deductible if necessary.
- Drive safely: A good driving record can help keep your insurance rates low. Obey traffic laws, avoid speeding, and try to avoid accidents.
- Take a driving course: Completing an approved driver training course can help reduce your car insurance premium.
- Drive a less expensive vehicle: The cost to insure a vehicle can be affected by the make and model of the vehicle. Driving a less expensive vehicle can often result in a lower insurance premium.
- Consider usage-based insurance: Some insurers offer usage-based insurance, which uses data collected from a device installed in your car to determine your premium based on your driving habits.
Burlington Car Insurance Facts
Here are some car insurance facts specific to Burlington, Ontario:
- Insurance rates in Burlington can vary based on location: Like many cities, insurance rates in Burlington can vary depending on the location. Drivers who live in areas with higher crime rates or higher rates of accidents may pay more for car insurance.
- Car insurance rates are affected by driving record: Your driving record can have a significant impact on your car insurance rates in Burlington. Drivers with accidents or traffic violations on their record may face higher insurance premiums.
- Minimum insurance requirements: In Ontario, drivers are required to carry a minimum of $200,000 in third-party liability coverage, as well as accident benefits coverage. Additional coverage options are available, but they may come at an extra cost.
- Insurance fraud is a concern: Insurance fraud, which can include staged accidents or false claims, is a concern in Burlington and can drive up insurance rates for everyone. Drivers can help prevent fraud by being aware of potential scams and reporting suspicious activity.
- Winter driving is a concern: Like many cities in Canada, Burlington experiences harsh winter weather, which can create hazardous driving conditions. Drivers should be prepared for winter driving and adjust their driving habits to accommodate for icy or snowy roads.
- Vehicle theft is a concern: Car theft is a concern in Burlington, and drivers can take steps to prevent theft by locking their vehicles and avoiding leaving valuables in plain sight.
List of Best Car Insurance Companies in Burlington
Here are some of the best car insurance companies in Burlington, along with company descriptions, reviews, and ratings based on information available on the internet:
- Allstate Insurance: Allstate is a popular car insurance company in Burlington that offers a range of insurance products, including car insurance. Customers appreciate the company’s competitive rates, flexible payment options, and friendly customer service. It has a 4.5-star rating on Google.
- Desjardins Insurance: Desjardins is a well-known insurance provider in Canada that offers a range of insurance products, including car insurance. Customers appreciate the company’s competitive rates, personalized service, and knowledgeable staff. It has a 4.4-star rating on Google.
- Co-operators Insurance: Co-operators is a Canadian-owned insurance provider that offers a range of insurance products, including car insurance. Customers appreciate the company’s competitive rates, personalized service, and efficient claims process. It has a 4.0-star rating on Google.
- State Farm Insurance: State Farm is a well-known insurance provider that offers a range of insurance products, including car insurance. Customers appreciate the company’s competitive rates, efficient claims process, and friendly staff. It has a 4.5-star rating on Google.
- Johnson Insurance: Johnson Insurance is an insurance provider that offers a range of insurance products, including car insurance. Customers appreciate the company’s competitive rates, flexible payment options, and personalized service. It has a 3.9-star rating on Google.
List of Best Car Insurance Brokers in Burlington
Here are some of the best independent car insurance brokers in Burlington, along with company descriptions, reviews, and ratings based on information available on the internet:
- Foxquilt: Foxquilt is an independent insurance broker in Burlington that offers a range of insurance products, including car insurance. Customers appreciate the company’s easy-to-use platform, competitive rates, and friendly customer service. It has a 4.8-star rating on Google.
- First Durham Insurance & Financial: First Durham Insurance & Financial is an independent insurance broker in Burlington that offers a range of insurance products, including car insurance. Customers appreciate the company’s knowledgeable staff, competitive rates, and personalized service. It has a 4.9-star rating on Google.
- Dalton Timmis Insurance Group: Dalton Timmis Insurance Group is an independent insurance broker in Burlington that offers a range of insurance products, including car insurance. Customers appreciate the company’s competitive rates, efficient claims process, and knowledgeable staff. It has a 4.4-star rating on Google.
- Ogilvy Insurance: Ogilvy Insurance is an independent insurance broker in Burlington that offers a range of insurance products, including car insurance. Customers appreciate the company’s personalized service, competitive rates, and knowledgeable staff. It has a 5.0-star rating on Google.
- Halton Insurance: Halton Insurance is an independent insurance broker in Burlington that offers a range of insurance products, including car insurance. Customers appreciate the company’s friendly customer service, competitive rates, and efficient claims process. It has a 4.8-star rating on Google.
Tips for Drivers in Burlington
Here are some tips for drivers in Burlington:
- Winter driving: Burlington experiences harsh winter weather, which can create hazardous driving conditions. Be sure to prepare your vehicle for winter driving by getting winter tires, keeping your windshield clean and using winter wiper fluid, and having an emergency kit in your vehicle. Adjust your driving habits to accommodate for icy or snowy roads.
- Traffic congestion: Like many urban areas, Burlington can experience traffic congestion during peak travel times, which can increase the risk of accidents. Be sure to stay aware of your surroundings and obey traffic laws to help prevent accidents.
- Cyclists and pedestrians: Burlington has a growing population of cyclists and pedestrians. Drivers should be aware of their surroundings and share the road with others to help prevent accidents. Remember to give cyclists and pedestrians enough space and always yield to them at crosswalks.
- Road conditions: Roads in Burlington can vary from smooth to bumpy. Be sure to adjust your driving habits based on the road conditions to help prevent accidents.
- Safe driving habits: Safe driving habits are important in Burlington to help prevent accidents. Obey traffic laws, avoid speeding, and always wear your seatbelt. Never drink and drive or use your phone while driving.
- Road construction: Road construction is common in Burlington, particularly during the warmer months. Be sure to stay aware of road construction zones and obey posted speed limits and traffic signs.
- Car theft: Car theft is a concern in Burlington, particularly in areas with higher rates of crime. Be sure to lock your vehicle and avoid leaving valuables in plain sight.
What are the Most Dangerous Intersections in Burlington?
According to recent data from the Halton Regional Police Service, the following intersections have had the highest number of collisions in Burlington:
- Appleby Line and Upper Middle Road: This intersection had 37 collisions reported between 2017 and 2019.
- Brant Street and Upper Middle Road: This intersection had 34 collisions reported between 2017 and 2019.
- Walkers Line and Upper Middle Road: This intersection had 29 collisions reported between 2017 and 2019.
- Guelph Line and Upper Middle Road: This intersection had 28 collisions reported between 2017 and 2019.
- Fairview Street and Walkers Line: This intersection had 22 collisions reported between 2017 and 2019.
Total Reportable Collisions in Burlington
According to recent data from the Halton Regional Police Service, here are the total reportable collisions in Burlington, Ontario from 2013 to 2021:
- 2013: 2,845
- 2014: 2,748
- 2015: 2,699
- 2016: 2,797
- 2017: 2,911
- 2018: 2,882
- 2019: 2,840
- 2020: 1,792
- 2021 (as of September 2021): 1,773
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.
