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Things to Know Before Getting Clarington Car Insurance
Here are some things to know before getting car insurance in Clarington:
- Car insurance rates in Clarington can vary depending on a variety of factors, including your driving record, age, type of vehicle, and location. It’s important to shop around and compare quotes from multiple insurance providers to find the best coverage and rates for your needs.
- Clarington operates on a no-fault insurance system, which means that each driver’s own insurance company pays for their damages and injuries in the event of an accident.
- In addition to basic liability coverage, many drivers in Clarington choose to add optional coverages such as collision, comprehensive, and uninsured motorist coverage for added protection.
- Clarington has several local insurance brokers who can help drivers find the best rates and coverage options for their needs.
- It’s important to choose coverage that meets your needs based on the driving conditions you’re likely to encounter in Clarington. For example, if you frequently drive on rural roads or in inclement weather, you may want to consider adding extra coverage for added protection.
- In general, it’s important to be a safe and responsible driver in Clarington to help prevent accidents and keep the roads safe for all drivers. This includes obeying traffic laws, avoiding distracted driving, and following all posted speed limits and road signs.
What is the Average Car Insurance Cost in Clarington?
According to data, the average annual car insurance premium in Clarington, is $1,288.
The average car insurance costs range for different driver profiles in Clarington would be as follows
(note that these are estimated monthly costs and may vary depending on the insurance company and other factors):
| Driver Profile | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| G1 Driver | $116 – $327 | $145 – $410 | $166 – $471 |
| G2 Driver | $105 – $296 | $131 – $370 | $150 – $425 |
| G Driver | $93 – $263 | $116 – $329 | $132 – $374 |
| Teenage Driver | $385 – $1,089 | $481 – $1,362 | $549 – $1,554 |
| Young Driver | $161 – $456 | $201 – $569 | $229 – $649 |
| High-risk Driver | $229 – $647 | $286 – $809 | $327 – $926 |
| Occasional Driver | $81 – $229 | $101 – $286 | $115 – $326 |
| Pleasure | $87 – $246 | $109 – $308 | $124 – $351 |
| Commuting | $127 – $360 | $159 – $450 | $181 – $514 |
| Good Driver | $74 – $209 | $92 – $261 | $105 – $298 |
| Bad Driver | $377 – $1,066 | $471 – $1,332 | $537 – $1,522 |
| New Driver | $250 – $707 | $312 – $883 | $356 – $1,008 |
| Secondary Driver | $83 – $235 | $103 – $292 | $118 – $335 |
| 17 Years Old | $411 – $1,162 | $514 – $1,455 | $587 – $1,661 |
| Seniors | $81 – $229 | $101 – $286 | $115 – $326 |
| Over 55 Years Old | $77 – $217 | $96 – $272 | $110 – $312 |
| Students | $139 – $393 | $174 – $492 | $198 – $561 |
| International Driver | $226 – $640 | $283 – $802 | $323 – $915 |
| Newcomers | $272 – $770 | $340 – $963 | $388 – $1,098 |
| Men Driver | $117 – $331 | $146 – $414 | $167 – $474 |
| Women Driver | $111 – $314 | $139 – $394 | $158 – $448 |
| Married Couples | $84 – $238 | $105 – $297 | $120 – $340 |
| Usage-Based | $98 – $277 | $123 – $348 | $140 – $396 |
| Uber/Lyft | $202 – $572 | $253 – $717 | $289 – $818 |
| Personal use | $104 – $294 | $130 – $367 | $148 – $419 |
| Business use | $135 – $382 | $169 – $478 | $193 – $548 |
| Commercial use | $227 – $642 | $284 – $804 | $324 – $918 |
The estimated monthly car insurance costs range for different types of cars in Clarington would be as follows:
| Car Type | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| Sedan | $62 – $175 | $78 – $222 | $89 – $253 |
| Convertible | $115 – $326 | $144 – $407 | $164 – $466 |
| Hatchback | $59 – $167 | $74 – $209 | $85 – $241 |
| Wagon | $66 – $186 | $82 – $231 | $94 – $266 |
| Coupe | $87 – $246 | $109 – $308 | $124 – $351 |
| SUV | $81 – $229 | $101 – $286 | $115 – $326 |
| Truck | $72 – $204 | $91 – $258 | $104 – $295 |
| Minivan | $77 – $218 | $96 – $272 | $110 – $312 |
| Van | $81 – $229 | $101 – $286 | $115 – $326 |
| Electric Car | $108 – $306 | $135 – $382 | $154 – $437 |
| Hybrid Car | $89 – $252 | $111 – $314 | $126 – $357 |
| Multi Car | $72 – $204 | $90 – $256 | $103 – $292 |
| Exotic Car | $306 – $866 | $383 – $1,085 | $437 – $1,238 |
| Luxury Car | $198 – $560 | $248 – $701 | $282 – $799 |
| Classic Car | $103 – $291 | $129 – $365 | $147 – $416 |
| Vintage Car | $96 – $271 | $120 – $339 | $137 – $389 |
| Sports Car | $201 – $569 | $251 – $711 | $286 – $810 |
| Leased Cars | $83 – $234 | $104 – $295 | $118 – $335 |
| 2 Door | $89 – $252 | $111 – $314 | $126 – $357 |
The average car insurance costs range in Clarington for a driver profile of age 35, married, based on driving history would be as follows:
| Driving History | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| 1 at-fault accident | $110 – $311 | $138 – $391 | $157 – $445 |
| 2 at-fault accidents | $142 – $402 | $178 – $504 | $203 – $575 |
| 1 non-fault accident | $66 – $186 | $83 – $235 | $95 – $269 |
| DUI conviction | $327 – $925 | $409 – $1,157 | $467 – $1,321 |
| 1 speeding ticket | $70 – $198 | $87 – $246 | $99 – $281 |
| 2 speeding tickets | $113 – $320 | $142 – $402 | $162 – $460 |
How Does Clarington’s Average Car Insurance Cost Compare to Other Cities?
Here are the average car insurance premiums in some other cities in Ontario, according to data:
- Toronto: $2,079
- Ottawa: $1,159
- Hamilton: $1,518
- London: $1,333
- Kitchener-Waterloo-Cambridge: $1,276
Based on this data, Clarington’s average car insurance premium of $1,288 is relatively lower than some larger urban centers like Toronto and Hamilton, but higher than other mid-sized cities like London and Kitchener-Waterloo-Cambridge.
Which Cars Have the Cheapest Car Insurance in Clarington?
Based on data from various sources, here are some cars that are generally considered to have lower insurance premiums in Clarington:
- Honda Civic: The Honda Civic is a popular car in Clarington and is often associated with lower car insurance rates. On average, a 2019 Honda Civic in Clarington can cost around $1,210 to insure per year.
- Toyota Corolla: The Toyota Corolla is another popular car in Clarington that is known for having lower insurance premiums. A 2019 Toyota Corolla can cost around $1,210 to insure per year.
- Ford Escape: The Ford Escape is a common SUV in Clarington and is generally considered to have lower insurance rates than some other SUV models. On average, a 2019 Ford Escape can cost around $1,420 to insure per year.
- Mazda3: The Mazda3 is a popular car in Clarington that is known for being both reliable and affordable to insure. A 2019 Mazda3 can cost around $1,210 to insure per year.
- Hyundai Elantra: The Hyundai Elantra is a reliable and affordable car that is often associated with lower insurance rates. On average, a 2019 Hyundai Elantra can cost around $1,210 to insure per year.
How to Get the Cheapest Car Insurance in Clarington?
Here are some tips for getting the cheapest car insurance in Clarington:
- Shop around and compare quotes: It’s important to get quotes from multiple insurance providers to compare coverage options and rates. By doing this, you can find the best deal on car insurance for your specific needs.
- Consider increasing your deductible: Increasing your deductible, or the amount you pay out of pocket before your insurance coverage kicks in, can help reduce your car insurance premiums. However, be sure to choose a deductible that you can comfortably afford to pay if you ever need to make a claim.
- Bundle your insurance policies: If you have multiple insurance policies, such as home and auto insurance, consider bundling them together with the same insurance provider. Many insurers offer discounts for customers who bundle their policies together.
- Take advantage of discounts: Many insurers offer discounts for things like good driving habits, safety features in your vehicle, or completing a defensive driving course. Be sure to ask your insurance provider about all of the discounts that are available to you.
- Drive safely: Avoiding accidents and traffic violations can help keep your car insurance premiums low. By practicing safe driving habits and following all traffic laws, you can help keep your driving record clean and potentially lower your car insurance rates over time.
Clarington Car Insurance Facts
Here are some car insurance facts specific to Clarington:
- The average annual car insurance premium in Clarington in 2023 was $1,288. This is lower than some larger urban centers in Ontario, but higher than other mid-sized cities.
- Clarington operates on a no-fault insurance system, which means that each driver’s own insurance company pays for their damages and injuries in the event of an accident.
- Ontario law requires that all drivers carry a minimum amount of liability insurance coverage, which covers damages and injuries that you may be responsible for in an accident.
- In addition to liability coverage, many drivers in Clarington also opt for additional coverage options like collision and comprehensive coverage, which can provide added protection in the event of an accident, theft, or other incidents.
- Clarington has several local insurance brokers who can help drivers find the best rates and coverage options for their needs. These brokers can provide personalized advice and support to help you find the best coverage for your specific circumstances.
- To help prevent accidents and keep the roads safe, it’s important to follow all traffic laws and regulations while driving in Clarington. This includes obeying speed limits, avoiding distracted driving, and driving defensively to avoid collisions with other vehicles and pedestrians.
List of Best Car Insurance Companies in Clarington
Here are some of the best car insurance companies in Clarington, along with brief descriptions and ratings based on customer reviews:
- Belairdirect: Belairdirect is a popular insurance provider in Clarington that offers a variety of coverage options, including liability, collision, and comprehensive coverage. They offer 24/7 claims support and have a reputation for excellent customer service. Customers have rated Belairdirect an average of 4.5 out of 5 stars on various review sites.
- Allstate: Allstate is another popular insurance provider in Clarington that offers a wide range of coverage options, including liability, collision, and comprehensive coverage. They offer discounts for good driving habits, and have a reputation for excellent customer service. Customers have rated Allstate an average of 4 out of 5 stars on various review sites.
- State Farm: State Farm is a well-known insurance provider that offers a variety of coverage options, including liability, collision, and comprehensive coverage. They offer discounts for good driving habits and safe vehicles, and have a reputation for excellent customer service. Customers have rated State Farm an average of 4 out of 5 stars on various review sites.
- Aviva: Aviva is a global insurance provider that offers a variety of coverage options, including liability, collision, and comprehensive coverage. They offer 24/7 claims support and have a reputation for excellent customer service. Customers have rated Aviva an average of 4 out of 5 stars on various review sites.
- Intact: Intact is a Canadian insurance provider that offers a variety of coverage options, including liability, collision, and comprehensive coverage. They offer discounts for good driving habits and have a reputation for excellent customer service. Customers have rated Intact an average of 3.5 out of 5 stars on various review sites.
List of Best Car Insurance Brokers in Clarington
Here are some of the best independent car insurance brokers in Clarington, along with brief descriptions and ratings based on customer reviews:
- E. G. Gray Insurance Brokers: E.G. Gray Insurance Brokers is a family-owned and operated insurance brokerage in Clarington that has been serving the community for over 70 years. They offer a variety of insurance products, including car insurance, and are known for their personalized service and attention to detail. Customers have rated E.G. Gray Insurance Brokers an average of 4.8 out of 5 stars on various review sites.
- McDougall Insurance & Financial – Newcastle: McDougall Insurance is an independent insurance brokerage with locations throughout Ontario, including in Newcastle, which serves the Clarington area. They offer a variety of insurance products, including car insurance, and are known for their personalized service and competitive rates. Customers have rated McDougall Insurance an average of 4.6 out of 5 stars on various review sites.
- Donnell Insurance Brokers Ltd.: Donnell Insurance Brokers is an independent insurance brokerage with offices in Newcastle and Oshawa, which serves the Clarington area. They offer a variety of insurance products, including car insurance, and are known for their personalized service and competitive rates. Customers have rated Donnell Insurance Brokers an average of 4.8 out of 5 stars on various review sites.
- Rhame & Gorrell Wealth Management: Rhame & Gorrell Wealth Management is an independent financial planning and insurance brokerage in Oshawa that serves the Clarington area. They offer a variety of insurance products, including car insurance, and are known for their personalized service and attention to detail. Customers have rated Rhame & Gorrell Wealth Management an average of 4.9 out of 5 stars on various review sites.
- Orr Insurance & Investment: Orr Insurance & Investment is an independent insurance brokerage with locations throughout Ontario, including in Bowmanville, which serves the Clarington area. They offer a variety of insurance products, including car insurance, and are known for their personalized service and competitive rates. Customers have rated Orr Insurance & Investment an average of 4.7 out of 5 stars on various review sites.
Tips for Drivers in Clarington. Only actual Clarington
Here are some tips for drivers in Clarington:
- Drive safely: The most important tip for drivers in Clarington is to drive safely and follow all traffic laws and regulations. This includes obeying speed limits, using turn signals, avoiding distracted driving, and keeping a safe distance from other vehicles on the road.
- Watch out for wildlife: Clarington is located in a rural area with plenty of natural habitat, which means drivers should be aware of the potential for wildlife crossing the road. Be especially cautious at dawn and dusk when animals are most active.
- Check your tire pressure: Properly inflated tires can improve your car’s fuel efficiency and handling, as well as reduce the risk of blowouts or other tire-related issues. Be sure to check your tire pressure regularly, especially before long trips.
- Winter driving: Clarington experiences cold, snowy winters, which can make driving conditions hazardous. Be sure to prepare your car for winter driving by installing snow tires, keeping your windshield clear, and using caution when driving on icy or snowy roads.
- Avoid distracted driving: Distracted driving, such as texting, talking on the phone, or eating while driving, can be dangerous and put you and others at risk. Avoid these behaviors while driving to keep yourself and others safe on the road.
- Know the speed limits: Different areas of Clarington may have different speed limits, so it’s important to pay attention to the posted signs and adjust your speed accordingly. Be especially careful when driving through residential areas, school zones, and construction zones.
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.
