Markham Car Insurance Quotes, Companies & Brokers

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Markham is Toronto’s largest northeast suburb and the 16th largest city in Canada. Not bad for a community that didn’t declare itself a city until 2012. Even then, with a population over 300,000, there was still controversy. Having been a town so long, many residents doubt the value of becoming a city.

Since Markham grew largely due to the encroachment of Toronto from the south and west, it’s not a typical city in many regards. A town of under 60,000 people in 1976, its explosive growth was as a bedroom community for the Big Smoke. Rather than having a downtown area built around a historical settlement, Downtown Markham is a planned central business district currently under development. Fully 72 of the planned 243 acres of development a lot as green space. Adjacent to the Unionville GO station, the urban hub features easy access to public transit. Over 13,000 people will work in the area, while as many as 10,000 will live there.

Though Markham has drifted from suburb to tech centre, the population remains automobile-friendly. Markham doesn’t fully escape the car insurance crunch that big city living creates, though it does better than some suburbs to the west. A centrally located male driver, 35 years of age and driving an 8-year-old sedan with a clean driving record still pays over $1,400 annually for auto insurance, as of 2016. This is $400 more than drivers in Kingston, for example, though still less than the same policy would cost in Brampton or Vaughan.

How Much is Car Insurance in Markham Ontario

The table below shows Markham car insurance cost for a sample driver.

Quote DateAverage Auto Insurance Cost in Markham*
1-Jan-16$1,446
1-Jul-16$1,434
19-Mar-17$1,551
01-Aug-17$1,592

*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 Markham 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 Markham

Though Ontario’s car insurance market bases on competition, the industry as a whole experiences heavy regulation. Between these two points there is an opportunity for many drivers to uncover savings for their own car insurance policies. Every insurer uses a unique method to weigh the variables that affect auto insurance pricing. No two companies generate exactly the same cost for policies of similar coverage.

Every vehicle on Ontario’s roads must have a minimum level of coverage, defined by the government. No insurer can sell less than this amount. One problem with mandatory insurance levels is that, in some cases, coverage may not be adequate to pay all costs resulting from an accident. In particular, accident benefits and third party liability coverage could be insufficient.

Changes to Statutory Insurance Coverage

Statutory accident benefits decreased in June 2016 as part of the Ontario government’s efforts to relieve high insurance costs for consumers. The changes to accident benefits redistributed amounts that insurance companies have to pay and, in some cases, cut in half the dollar amounts that an accident victim could receive. Third party liability coverage of $200,000 — the mandatory minimum — may not cover settlements against an at fault driver after a serious collision.

Between these two provisions, many insurance professionals recommend that motorists purchase additional coverage. For most drivers, this is a good idea, but it’s one that drives the cost of insurance up. It does remove the chance for serious out of pocket expenses landing on the driver.

Car Insurance Options and Discounts

Options abound in the car insurance market. The most common additions are collision and comprehensive insurance. These options extend insurance protection to repair or replace your vehicle. In some cases, basic insurance may pay for some repairs if you’re not at fault, but for protection in most cases, you need these options. These might also be a condition of financing, if you borrowed money to buy your car.

You can also customize your policy with options that affect your personal insurance needs. Those who travel and rent cars frequently can select non-owned vehicle coverage, to extend their personal insurance to rentals, avoiding the need for expensive damage waivers offered by rental agencies.

Discounts and packages offer ways to reduce the overall cost of auto insurance. Many insurers offer a range of discounts for which a motorist can qualify. Ask about discounts that apply to you. Most insurers won’t add these automatically, even if they are aware you qualify.

Similarly, many insurers bundle popular options together in packages that cost less than the individual price of each option when combined. You may even add features you didn’t expect at no net cost.

Driving in Markham

  • High volume traffic in Markham is dominated by the north-south Highway 404 and the east-west 407ETR.
  • Highway 7 is largely a 6 lane, east-west route that parallels the toll-based 407. It’s divided through parts of Markham and western sections include bus rapid transit lanes. However, streets intersecting with Highway 7 do so at level crossings. East of McCowan Road, Highway 7 reduces to 4 lanes with a central turning lanes.
  • Highway 7 unofficially retains that name, though it is no longer officially a provincial highway as it passes through Markham.
  • Many people consider the 404 to be Don Valley Parkway North, though the north-south route changes names at Highway 401. Though the width of the 401 requires complex routing at the 404/Don Valley interchange, cars heading in and out of Markham have direct routes over the 401 itself.

List of Driving Schools in Markham Ontario

driving school

NameAddressPhone
Tomorrow's Drivers203-3000 Hwy 7, Markham, ON L3R 6E1289-807-0007
Dean's Defensive Driving School1005-3601 Highway 7, Markham, ON L3R 0M3416-716-1741
Kingsway Driving School3636 Steeles Ave E, Markham, ON L3R 1K9905-948-0883
AAA All Star Driving Scl5990 16th Ave, Markham, ON L3P 7R2289-859-7527

Road Information for Markham

  • The Ministry of Transportation for Ontario offers road information for Markham and York Region on its 511 Traveller’s Road Information pages.
  • The City of Markham lists public infrastructure projects including road repairs and improvements on its website.
  • York Region also provides transportation and traffic information for the area.
  • The Weather Network provides weather forecasts for Markham and the surrounding area.
  • The nearest DriveTest centre serving Markham is at 320 Harry Walker Parkway South in Newmarket.

Driving Facts for Markham

  • Since Highway 7 downloading from the provincial to the municipal governments, the name of the road is a hot issue. Some feel that, with frequent stoplights and level crossings, a more “city street” type name would help visitors avoid expectations for a fast route through Markham. The city proposed “Avenue 7” to maintain the historic association with Highway 7. However, 14th Avenue runs south of the 407 and 16th Avenue runs north, so there’s a strong logical case for “15th Avenue” as a new name.
  • York Region maintains a number of “county” roads through Markham. These are numbered roads, usually four lanes and handle high volumes of traffic in both north-south and east-west directions.
  • The 407ETR has 12 exits either in or shared with Markham. This is the highest number of service exits into a single community along the 407ETR’s length.
  • Though Steeles Avenue runs through Markham from Yonge Street to York-Durham Line, the City of Toronto handles snow removal, maintenance and policing. Steeles represents the boundary between Markham and Toronto on the south side.

List of Markham Auto Insurance Brokers and Companies

NameAddressPhone
Desjardins Financial Security Independent Network/Desjardins Financial Security Investments303-3000 Steeles Ave E, Markham, ON L3R 4T9905-470-7788
Insureit Group Inc800 Denison St, Markham, ON L3R 5M9416-266-7706
Wyse Financial Solutions Inc1 Valleywood Dr, Markham, ON L3R 5L9905-604-5574
Raymond Pitch7100 Woodbine Ave, Markham, ON L3R 5J2905-752-2626
Lorne S Marr Insurance Service2900 John St, Markham, ON L3R 5G3905-248-4849
Rai Grant Insurance Brokers140 Renfrew Dr, Markham, ON L3R 6B3905-475-5800
State Farm Insurance1-115 Apple Creek Blvd, Markham, ON L3R 6C9905-513-5475
Ledoux Lew & Patterson Insce Brokers Ltd7030 Woodbine Ave, Markham, ON L3R 6G2905-944-0808
State Farm Insurance328-675 Cochrane Dr, Markham, ON L3R 0B8905-415-8188
Dermody Insurance Brokers7750 Birchmount Rd, Markham, ON L3R 0B4905-479-1100
CCUE Finance Consulting Inc130-50 Acadia Ave, Markham, ON L3R 0B3905-305-3108
Spring Capital Management Group3950 14th Avenue, Markham, ON L3R 0A9905-477-3377
Condo Insurance Solutions Inc80 Tiverton Crt, Markham, ON L3R 0G4905-307-4190
New World Insurance212-3621 Highway 7, Markham, ON L3R 0G6905-513-1818
Hillcoff Langford Insurance Brokers302 Town Centre Blvd, Markham, ON L3R 0E8905-477-9977
Aon Reed Stenhouse Inc600 Alden Rd, Markham, ON L3R 0E7905-969-3400
Roman & Associates200-2800 14th Ave, Markham, ON L3R 0E4905-479-9880
New World Insurance7077 Kennedy Rd, Markham, ON L3R 0N8416-410-8700
Gerson Insurance7225 Woodbine Ave, Markham, ON L3R 1A3905-947-9486
Masa Fan Insurance Brokers Ltd3636 Steeles Ave E, Markham, ON L3R 1K9905-946-8168
Concord Insurance & Financial Planning Group Inc1001 Denison St, Markham, ON L3R 2Z6905-513-0311
Munich Reinsurance Co Of Canada1-3500 Steeles Ave E, Markham, ON L3R 2Z1905-477-0116
Ross M Durant7800 Kennedy Rd, Markham, ON L3R 2C7905-947-0080
Allied Financial Group Inc2600 John St, Markham, ON L3R 3W3905-248-4848
Donaldson Mark100-3760 14th Ave, Markham, ON L3R 3T7647-495-9941
Peter Freedman Life Insurance Brokers Ltd109-30 Centurian Dr, Markham, ON L3R 8B9905-889-1616
Houten Insurance Services200 Town Centre Blvd, Markham, ON L3R 8G5905-305-8816
Keyman Insurance Agency23 Finchley Cir, Markham, ON L3R 8S5905-944-9806
Holman Insurance3100 Steeles Ave E, Markham, ON L3R 8T3905-947-9245
Navigators Insurance Brokers Ltd10 Konrad Cres, Markham, ON L3R 8T7905-470-6040
Ask Insurance Brokers Inc8901 Woodbine Ave, Markham, ON L3R 9Y4905-604-2754
Safety Insurance Service (1959) Ltd8300 Woodbine Ave, Markham, ON L3R 9Y7905-513-8466
Insurance Hound Inc220 Royal Crest Crt, Markham, ON L3R 9Y2905-946-1657
Acumen Financial & Insurance Consultants95 Royal Crest Crt, Markham, ON L3R 9X5905-415-9188
Norbar Insurance Agencies Ltd445 Apple Creek Blvd, Markham, ON L3R 9X7905-305-8727
Duffy John R Insurance Brokers Ltd7725 Birchmount Rd, Markham, ON L3R 9X3905-479-2013
Manitoba Public Insurance3600 Steeles Ave E, Markham, ON L3R 9Z7905-479-8066
State Farm Insurance51-145 Royal Crest Crt, Markham, ON L3R 9Z4905-415-1295
Oracle Insurance Risk500 Hood Rd, Markham, ON L3R 9Z3905-415-6150
Global Aerospace Underwriting Managers (Canada) Limited100 Renfrew Dr, Markham, ON L3R 9R6905-479-2244
IDC Worldsource Insurance Network610-625 Cochrane Dr, Markham, ON L3R 9R9905-479-0888
State Farm Insurance213-8789 Woodbine Ave, Markham, ON L3R 9T6905-477-1107
Provident Financial Concepts Inc30 Royal Crest Crt, Markham, ON L3R 9W8905-477-9488
Excess Underwriting Corp80 Acadia Ave, Markham, ON L3R 9V1905-479-8787
State Farm Insurance6-38 Buttonfield Rd, Markham, ON L3R 9G8905-940-5588
All Risk Insurance160 New Delhi Dr, Markham, ON L3S 0B6905-554-7977
Insurance & Financial Planning Group Inc80 Travail Rd, Markham, ON L3S 3H9905-471-3838
Fathom Insurance Agencies Ltd94 Norbury Dr, Markham, ON L3S 3V1905-471-7988
State Farm Insurance7676 Markham Rd, Markham, ON L3S 4S1905-201-1343
Lowest Car & Home Insurance59 Brando Ave, Markham, ON L3S 4K9647-218-0726
State Farm Insurance3-190 Bullock Dr, Markham, ON L3P 7N3905-294-6357
Mass Insurance Brokers Limited59 Main St N, Markham, ON L3P 1X7905-294-0722
State Farm Insurance258 Main St N, Markham, ON L3P 1Y7905-209-8777
Blair Insurance Broker162 Main St N, Markham, ON L3P 1Y3905-472-0774
Ensurco Insurance Group Inc121 Robinson St, Markham, ON L3P 1P2289-438-2160
State Farm Insurance201-3 Centre St, Markham, ON L3P 3P9905-294-1562
Sun Life Financial500-3100 Steeles Ave E, Markham, ON M2J 4T1905-415-1426
Insurance Solutions787 Hammersly Blvd, Markham, ON L6E 1N6905-209-1479
State Farm Insurance207-9275 Markham Road, Markham, ON L6E 1A3905-294-7415
Allstate Insurance Company of Canada109-72 Copper Creek Dr, Markham, ON L6B 0P2905-209-8278
Sun Life Financial402-110 Copper Creek Dr, Markham, ON L6B 0P9905-294-4030
Economical Insurance10 Duncan Rd, Markham, ON L6B 0T49055547490
York Alliance Insurance50 Bur Oak Ave, Markham, ON L6C 0A2905-888-7900

Drivers in Markham who want the best car insurance pricing know the importance of comparison shopping. Aiding their efforts, Ratelab’s car insurance calculator accesses dozens of auto industry partners in one process, to uncover the lowest rates for the most appropriate policy. Start today by entering your home postal code.

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