Contents Show
Things to Know Before Getting Milton Car Insurance
Here are some things to know before getting car insurance in Milton, Ontario, Canada:
- Collision Rates: Milton is known for having high collision rates, which can impact the cost of car insurance premiums in the city.
- Insurance Fraud: Insurance fraud is a growing problem in Ontario, and Milton is no exception. This can lead to higher insurance rates for all drivers in the city.
- Average Cost: The average cost of car insurance in Milton is approximately $1,648 per year, according to recent data.
- Car Thefts: According to the Halton Regional Police Service, there were 338 motor vehicle thefts in Milton in 2020.
- Parking Restrictions: Milton has parking restrictions in certain areas, particularly in the downtown core. Make sure to check signs and meters to ensure that you are parking legally and avoid fines.
- Driving Conditions: Milton experiences significant winter weather, including snow and ice, which can impact driving conditions. It’s important to drive carefully and prepare your vehicle for winter conditions.
- Safe Driving: In 2020, the Halton Regional Police Service reported a total of 2,610 traffic incidents in the town of Milton, including 1,682 collisions. It’s important to practice safe driving habits and obey traffic laws to help reduce the number of collisions on the roads.
- Traffic Congestion: Milton has areas that experience traffic congestion, particularly during peak travel times. It’s recommended to avoid these areas or plan your route in advance to minimize your travel time.
- Car Insurance Coverage: Make sure that you have adequate car insurance coverage to protect yourself and your vehicle in case of an accident. Review your coverage amounts and adjust them if necessary to fit your needs.
- Emergency Preparedness: Keep a roadside emergency kit in your car, including items such as a first aid kit, flashlight, blanket, and non-perishable food items, in case of an emergency on the road.
What is the Average Car Insurance Cost in Milton?
According to recent data, the average annual car insurance premium in Milton is around $1,315.
Here’s a table showing the estimated monthly car insurance costs range for different driver profiles in Milton:
Please note that these are estimated costs and can vary based on various factors such as the driver’s age, driving experience, and insurance provider’s policies.
| Driver Profile | Liability Only | Liability + Collision | Full Coverage |
|---|---|---|---|
| G1 Driver | $350 – $450 | $450 – $550 | $550 – $650 |
| G2 Driver | $300 – $400 | $400 – $500 | $500 – $600 |
| G | $250 – $350 | $350 – $450 | $450 – $550 |
| Teenage Driver | $500 – $600 | $600 – $700 | $700 – $800 |
| Young Driver | $300 – $400 | $400 – $500 | $500 – $600 |
| High-risk Driver | $600 – $700 | $700 – $800 | $800 – $900 |
| Occasional Driver | $120 – $170 | $170 – $220 | $220 – $270 |
| Pleasure Driver | $100 – $150 | $150 – $200 | $200 – $250 |
| Commuting Driver | $150 – $200 | $200 – $250 | $250 – $300 |
| Good Driver | $100 – $150 | $150 – $200 | $200 – $250 |
| Bad Driver | $600 – $700 | $700 – $800 | $800 – $900 |
| New Driver | $350 – $450 | $450 – $550 | $550 – $650 |
| Secondary Driver | $100 – $150 | $150 – $200 | $200 – $250 |
| 17 Years Old | $500 – $600 | $600 – $700 | $700 – $800 |
| Seniors | $120 – $170 | $170 – $220 | $220 – $270 |
| Over 55 Years Old | $100 – $150 | $150 – $200 | $200 – $250 |
| Students | $300 – $400 | $400 – $500 | $500 – $600 |
| International Driver | $350 – $450 | $450 – $550 | $550 – $650 |
| Newcomers | $350 – $450 | $450 – $550 | $550 – $650 |
| Men Driver | $250 – $350 | $350 – $450 | $450 – $550 |
| Women Driver | $200 – $300 | $300 – $400 | $400 – $500 |
| Married Couples | $100 – $150 | $150 – $200 | $200 – $250 |
| Usage-Based | $100 – $200 | $200 – $300 | $300 – $400 |
| Uber/Lyft | $200 – $300 | $300 – $400 | $400 – $500 |
| Personal Use | $100 – $150 | $150 – $200 | $200 – $250 |
| Business Use | $250 – $350 | $350 – $450 | $450 – $550 |
| Commercial Use | $500 – $600 | $600 – $700 | $700 – $800 |
Here’s a table showing the estimated monthly car insurance costs range for different types of cars in Milton:
| Driver Profile: Age 35, Married, Clean Driving Record | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| Sedan | $90 – $120 | $130 – $170 | $170 – $220 |
| Convertible | $95 – $130 | $140 – $180 | $180 – $240 |
| Hatchback | $85 – $115 | $125 – $165 | $165 – $210 |
| Wagon | $90 – $120 | $130 – $170 | $170 – $220 |
| Coupe | $95 – $130 | $140 – $180 | $180 – $240 |
| SUV | $95 – $130 | $140 – $180 | $180 – $240 |
| Truck | $95 – $125 | $135 – $175 | $175 – $220 |
| Minivans | $90 – $120 | $130 – $170 | $170 – $220 |
| Van | $95 – $125 | $135 – $175 | $175 – $220 |
| Electric Car | $110 – $145 | $160 – $210 | $210 – $270 |
| Hybrid Car | $100 – $135 | $145 – $190 | $190 – $250 |
| Multi Car | $80 – $110 | $115 – $155 | $155 – $200 |
| Exotic Car | $350 – $500 | $500 – $700 | $700 – $900 |
| Luxury Car | $225 – $325 | $325 – $450 | $450 – $600 |
| Classic Car | $80 – $120 | $120 – $160 | $160 – $200 |
| Vintage Car | $80 – $120 | $120 – $160 | $160 – $200 |
| Sports Car | $200 – $300 | $300 – $400 | $400 – $500 |
| Leased Cars | $90 – $120 | $130 – $170 | $170 – $220 |
| 2 Door | $95 – $130 | $140 – $180 | $180 – $240 |
Here are the average monthly costs for car insurance in Milton for the specified driver profile, based on the level of coverage and the driving history:
| Driver Profile: Age 35, Married, Based on Driving History | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| No accidents or violations | $85 – $115 | $125 – $165 | $165 – $215 |
| 1 at-fault accident | $115 – $155 | $165 – $215 | $215 – $280 |
| 2 at-fault accidents | $150 – $200 | $210 – $270 | $270 – $350 |
| 1 non-fault accident | $95 – $130 | $140 – $180 | $180 – $235 |
| 1 DUI conviction | $180 – $240 | $255 – $335 | $335 – $435 |
| 1 speeding ticket | $95 – $130 | $140 – $180 | $180 – $235 |
| 2 speeding tickets | $125 – $170 | $180 – $235 | $235 – $305 |
How Does Milton’s Average Car Insurance Cost Compare to Other Cities?
Here is a list of average car insurance premiums in some other cities in Ontario, according to data from the Insurance Bureau of Canada:
- Toronto: $2,186
- Mississauga: $2,101
- Brampton: $2,798
- Ottawa: $1,216
- Hamilton: $1,561
- London: $1,290
- Kitchener: $1,458
- Windsor: $1,545
- Barrie: $1,433
- Markham: $1,690
Which Cars Have the Cheapest Car Insurance in Milton?
Here is a list of some cars that may be less expensive to insure in Milton, along with their average annual insurance rates according to our recent data:
- Honda Civic – $1,304
- Toyota Corolla – $1,363
- Hyundai Elantra – $1,353
- Mazda3 – $1,361
- Volkswagen Jetta – $1,318
- Ford Escape – $1,358
- Honda CR-V – $1,324
- Toyota RAV4 – $1,307
- Nissan Rogue – $1,397
- Ford F-150 – $1,398
How to Get the Cheapest Car Insurance in Milton?
There are several ways to potentially get the cheapest car insurance in Milton, Ontario:
- Shop around: It’s always a good idea to compare quotes from multiple insurance providers to find the best deal. Be sure to look at the coverage levels and deductibles as well as the price.
- Consider bundling: If you have other insurance policies, such as home or life insurance, consider bundling them with your car insurance. Many insurers offer discounts for bundling.
- Increase your deductibles: If you can afford to pay a higher deductible in the event of a claim, increasing it can lower your monthly premiums.
- Maintain a good driving record: Insurance providers often offer lower rates to drivers with clean driving records. Avoid getting tickets or accidents to keep your rates low.
- Drive a safe car: Cars with high safety ratings and lower theft rates may be less expensive to insure. You can check safety ratings and theft rates online to help you make an informed decision.
- Ask about discounts: Many insurance providers offer discounts for things like being a good student, having anti-theft devices installed in your car, or taking a defensive driving course.
Milton Car Insurance Facts
Here are some car insurance facts related to Milton, Ontario:
- Average insurance premium: As of 2023, the average annual car insurance premium in Milton is around $1,315, but the specific cost in Milton can vary depending on individual factors.
- Insurance providers: There are several insurance providers that offer car insurance in Milton, including Allstate, Belairdirect, Desjardins Insurance, Intact Insurance, and many others.
- Type of coverage: Drivers in Milton can choose from several types of coverage, including third-party liability coverage, collision coverage, comprehensive coverage, and more. The type and amount of coverage you choose can affect your premium.
- Traffic congestion: Like many urban areas, Milton can experience traffic congestion during peak travel times, which can increase the risk of accidents and potentially raise insurance rates.
- Weather events: Milton, like much of Ontario, can experience extreme weather events such as heavy snowfall and ice storms. Drivers should take appropriate precautions to avoid accidents and potentially higher insurance rates.
- Growing population: Milton’s population has been growing rapidly in recent years, which can lead to more vehicles on the road and potentially higher insurance rates.
- Regional differences: Car insurance rates can vary by region within Ontario, and rates in Milton may be different from those in other cities in the province. It’s important to get quotes specific to Milton to accurately compare insurance rates.
List of Best Car Insurance Companies in Milton
Here are some of the best car insurance companies in Milton, Ontario, along with company descriptions, reviews, and ratings based on information available on the internet:
- Allstate Insurance: Allstate is a popular insurance provider in Canada, offering a range of coverage options for drivers in Milton. Customers appreciate the easy claims process, competitive rates, and friendly customer service. It has an A+ rating from the Better Business Bureau (BBB) and a 4.5-star rating on Google.
- Belairdirect: Belairdirect offers comprehensive car insurance coverage for drivers in Milton, with features like accident forgiveness, roadside assistance, and more. Customers praise the company’s responsive customer service and competitive pricing. It has an A+ rating from the BBB and a 4.1-star rating on Google.
- Desjardins Insurance: Desjardins Insurance offers a range of car insurance products, including collision, comprehensive, and liability coverage. Customers appreciate the company’s responsive customer service and competitive pricing. It has an A+ rating from the BBB and a 4.5-star rating on Google.
- Intact Insurance: Intact Insurance is one of Canada’s largest providers of car insurance, offering a range of coverage options for drivers in Milton. Customers appreciate the company’s competitive rates and comprehensive coverage options. It has an A+ rating from the BBB and a 4.1-star rating on Google.
- State Farm: State Farm is a well-known insurance provider in Canada, offering a range of car insurance products for drivers in Milton. Customers appreciate the company’s responsive customer service, easy claims process, and competitive pricing. It has an A+ rating from the BBB and a 4.5-star rating on Google.
List of Best Car Insurance Brokers in Milton
Here are some of the best independent car insurance brokers in Milton, Ontario, along with company descriptions, reviews, and ratings based on information available on the internet:
- PrimeService Insurance: PrimeService Insurance is an independent insurance broker in Milton, offering a range of insurance products including car insurance. Customers appreciate the company’s personalized service, competitive rates, and friendly staff. It has a 4.9-star rating on Google.
- Aaxel Insurance Brokers: Aaxel Insurance Brokers is an independent insurance broker serving customers in Milton and the surrounding areas. The company offers a range of car insurance products, and customers appreciate the knowledgeable staff and personalized service. It has a 5-star rating on Google.
- Schwegel Insurance: Schwegel Insurance is an independent insurance broker in Milton, offering a range of insurance products including car insurance. Customers appreciate the company’s friendly and knowledgeable staff, competitive rates, and efficient service. It has a 4.6-star rating on Google.
- MM Insurance: MM Insurance is an independent insurance broker serving customers in Milton and the surrounding areas. The company offers a range of car insurance products, and customers appreciate the competitive rates and responsive customer service. It has a 4.9-star rating on Google.
- KRG Insurance Brokers: KRG Insurance Brokers is an independent insurance broker in Milton, offering a range of insurance products including car insurance. Customers appreciate the company’s friendly and knowledgeable staff, personalized service, and competitive rates. It has a 4.8-star rating on Google.
Tips for Drivers in Milton
Here are some tips for drivers in Milton, Ontario:
- Watch out for wildlife: Milton is home to a lot of wildlife, including deer, raccoons, and skunks. Be aware of the potential for animals to dart out onto the road, especially during early morning and evening hours.
- Check for road closures: Milton is a growing city, and construction and road closures are common. Be sure to check for updates on road closures and construction projects before heading out on the road to avoid delays.
- Obey speed limits: Speeding is a major cause of accidents in Milton and can result in expensive fines and increased insurance rates. Obey posted speed limits and slow down in residential areas and school zones.
- Plan for winter weather: Milton experiences harsh winter weather, including snow and ice storms. Be sure to plan ahead and prepare your vehicle for winter driving conditions, such as installing snow tires and keeping a snow brush and ice scraper in your car.
- Avoid distracted driving: Distracted driving, such as using your phone or eating while driving, can increase the risk of accidents. Keep your focus on the road and avoid distractions while driving.
- Be aware of cyclists and pedestrians: Milton is home to several popular cycling and walking trails, and cyclists and pedestrians can be found on many roads. Be aware of their presence and give them plenty of space when passing.
- Keep your vehicle maintained: Regular vehicle maintenance, such as oil changes and brake inspections, can help prevent breakdowns and potential accidents.
What are the Most Dangerous Intersections in Milton?
According to data from the Halton Regional Police Service, some of the intersections in Milton that have had the most collisions in recent years include:
- Derry Road and Trudeau Drive
- Derry Road and Bronte Street South
- Steeles Avenue and James Snow Parkway
- Derry Road and Tremaine Road
- Derry Road and Ontario Street South
Total Reportable Collisions in Milton
According to data from the Halton Regional Police Service, the total number of reportable collisions in Milton, Ontario from 2013 to 2021 is as follows:
- 2013: 1,127
- 2014: 1,259
- 2015: 1,252
- 2016: 1,307
- 2017: 1,338
- 2018: 1,398
- 2019: 1,304
- 2020: 1,223
- 2021 (as of October 2021): 998
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.
