Things to Know Before Getting North York Car Insurance
If you are planning to get car insurance in North York, here are some things you should know:
- Minimum coverage requirements: In Ontario, drivers are required to carry a minimum level of car insurance coverage, which includes third-party liability, accident benefits, and uninsured automobile coverage. However, you may want to consider additional coverage options to provide more comprehensive protection.
- Factors that affect insurance rates: Insurance rates are determined by a number of factors, including your driving record, age, gender, vehicle make and model, and where you live. In North York, insurance rates may be influenced by factors such as traffic volume, accident rates, and crime rates.
- Discounts and savings: Many insurance providers offer discounts and savings on car insurance premiums, which can help you save money on your policy. For example, you may be eligible for discounts if you have a clean driving record, take a driver training course, or have multiple vehicles insured with the same provider.
- Insurance providers: There are many insurance providers in North York, including major insurance companies and independent brokers. It’s important to compare rates and coverage options from multiple providers to find the best policy for your needs.
- Coverage options: In addition to the minimum required coverage, there are many additional coverage options available, such as collision, comprehensive, and roadside assistance coverage. Be sure to review all of your options and choose the coverage that best suits your needs and budget.
- Shop around for the best rates: Insurance rates can vary significantly between providers, so it’s important to shop around and obtain quotes from multiple insurance companies to find the best rates and coverage options.
- Read the fine print: Before purchasing a policy, be sure to read the fine print and understand the coverage and any potential limitations or exclusions.
What is the Average Car Insurance Rate in North York
As of 2023, the average cost of car insurance in North York is approximately $2,200 per year. However, insurance rates can vary significantly depending on many factors such as your age, driving record, the type of car you drive, and the coverage you select. Insurance providers also use different methods to calculate rates, so it is best to get quotes from multiple insurance companies to find the best rate for your situation. Keep in mind that rates may be higher or lower depending on the specific neighbourhood or area within North York where you live and drive. It’s important to compare rates and coverage options from multiple providers to find the best policy for your needs.
Here is a table showing the estimated monthly car insurance costs for different driver profiles in North York based on a driver profile of age 35, married, with a clean driving record.
Please note that these are just estimates, and actual costs may vary based on several factors such as the insurance company, the make and model of the vehicle, and the level of coverage. Additionally, insurance costs can vary between different provinces and territories in Canada.
| Driver Profile | Liability only | Liability + Collision | Full Coverage |
|---|---|---|---|
| G1 Driver | $200 – $250 | $300 – $350 | $450 – $550 |
| G2 Driver | $100 – $150 | $200 – $250 | $350 – $400 |
| Full G | $80 – $120 | $160 – $200 | $280 – $320 |
| Teenage Driver | $400 – $500 | $600 – $700 | $1000 – $1200 |
| Young Driver | $160 – $200 | $260 – $320 | $420 – $500 |
| High-risk Driver | $400 – $500 | $600 – $700 | $1000 – $1200 |
| Occasional driver | $80 – $120 | $160 – $200 | $280 – $320 |
| Pleasure driver | $80 – $120 | $160 – $200 | $280 – $320 |
| Commuting driver | $120 – $150 | $220 – $270 | $360 – $450 |
| Good driver | $80 – $120 | $160 – $200 | $280 – $320 |
| Bad driver | $400 – $500 | $600 – $700 | $1000 – $1200 |
| New Driver | $200 – $250 | $300 – $350 | $450 – $550 |
| Secondary Driver | $80 – $120 | $160 – $200 | $280 – $320 |
| 17 Years Old | $400 – $500 | $600 – $700 | $1000 – $1200 |
| Seniors | $80 – $120 | $160 – $200 | $280 – $320 |
| Over 55 Years Old | $80 – $120 | $160 – $200 | $280 – $320 |
| Students | $100 – $150 | $200 – $250 | $350 – $400 |
| International Driver | $200 – $250 | $300 – $350 | $450 – $550 |
| Newcomers | $200 – $250 | $300 – $350 | $450 – $550 |
| Men Driver | $100 – $150 | $200 – $250 | $350 – $400 |
| Women Driver | $80 – $120 | $160 – $200 | $280 – $320 |
| Married Couples | $80 – $120 | $160 – $200 | $280 – $320 |
| Usage-Based | $80 – $120 | $160 – $200 | $280 – $320 |
| Uber/Lyft | $160 – $200 | $260 – $320 | $420 – $500 |
| Personal use | $80 – $120 | $160 – $200 | $280 – $320 |
| Business use | $120 – $150 | $220 – $270 | $360 – $450 |
| Commercial use | $400 – $500 | $600 – $700 | $1000 – $1200 |
Here is a table showing the estimated monthly car insurance costs for different types of cars in North York, based on a driver profile of age 35, married, with a clean driving record.
| Type of Car | Liability only | Liability + Collision | Full Coverage |
|---|---|---|---|
| Sedan | $80 – $120 | $160 – $200 | $280 – $320 |
| Convertible | $160 – $200 | $260 – $320 | $420 – $500 |
| Hatchback | $80 – $120 | $160 – $200 | $280 – $320 |
| Wagon | $80 – $120 | $160 – $200 | $280 – $320 |
| Coupe | $100 – $150 | $200 – $250 | $350 – $400 |
| SUV | $120 – $150 | $220 – $270 | $360 – $450 |
| Truck | $120 – $150 | $220 – $270 | $360 – $450 |
| Minivans | $120 – $150 | $220 – $270 | $360 – $450 |
| Van | $120 – $150 | $220 – $270 | $360 – $450 |
| Electric Car | $100 – $150 | $200 – $250 | $350 – $400 |
| Hybrid Car | $100 – $150 | $200 – $250 | $350 – $400 |
| Multi Car | $80 – $120 | $160 – $200 | $280 – $320 |
| Exotic Car | $400 – $500 | $600 – $700 | $1000 – $1200 |
| Luxury Car | $400 – $500 | $600 – $700 | $1000 – $1200 |
| Classic Car | $160 – $200 | $260 – $320 | $420 – $500 |
| Vintage car | $160 – $200 | $260 – $320 | $420 – $500 |
| Sports Car | $200 – $250 | $300 – $350 | $450 – $550 |
| Leased cars | $120 – $150 | $220 – $270 | $360 – $450 |
| 2 Door | $100 – $150 | $200 – $250 | $350 – $400 |
Here is a table showing the estimated monthly car insurance costs range for different driving histories in North York, based on a driver profile of age 35, married.
| Driving History | Liability only | Liability + Collision | Full Coverage |
|---|---|---|---|
| 1 one at-fault accident | $160 – $200 | $260 – $320 | $420 – $500 |
| 2 one at-fault accident | $400 – $500 | $600 – $700 | $1000 – $1200 |
| 1 non-fault accident | $80 – $120 | $160 – $200 | $280 – $320 |
| DUI conviction | $400 – $500 | $600 – $700 | $1000 – $1200 |
| 1 Speeding Ticket | $80 – $120 | $160 – $200 | $280 – $320 |
| 2 Speeding Tickets | $160 – $200 | $260 – $320 | $420 – $500 |
How Does North York’s Average Car Insurance Cost Compare to Other Cities?
Here is a list comparing the average cost of car insurance in North York to other cities in Ontario:
- North York: $2,200 per year
- Brampton: $2,800 per year
- Mississauga: $2,500 per year
- Vaughan: $1,900 per year
- Markham: $1,800 per year
- Richmond Hill: $1,700 per year
- Hamilton: $1,600 per year
- Kitchener-Waterloo: $1,500 per year
- London: $1,400 per year
- Ottawa: $1,300 per year
Which Cars Have the Cheapest Car Insurance in North York?
Here is a list of some cars that may have lower insurance rates in North York:
- Honda Civic – $2,121
- Toyota Corolla – $2,204
- Hyundai Elantra – $2,243
- Mazda 3 – $2,124
- Ford Focus – $2,176
- Kia Soul – $2,144
- Volkswagen Golf – $2,129
- Nissan Sentra – $2,153
- Chevrolet Cruze – $2,169
- Subaru Impreza – $2,157
How to Get the Cheapest Car Insurance in North York?
If you are looking for ways to get the cheapest car insurance in North York, here are some tips to consider:
- Shop around and compare rates: It is important to obtain quotes from multiple insurance providers to find the best rate for your situation. Compare the rates, coverage options, and discounts offered by each provider before making a decision.
- Choose a higher deductible: A higher deductible can lower your insurance premium, but keep in mind that you will have to pay more out of pocket in the event of a claim.
- Maintain a good driving record: Insurance providers may offer discounts to drivers with a clean driving record.
- Take a driver training course: Completing a driver training course may qualify you for a discount on your insurance premium.
- Bundle your policies: Many insurance providers offer discounts if you bundle multiple insurance policies, such as home and auto insurance.
- Choose a car with a lower insurance rate: As mentioned earlier, the make and model of your car can affect your insurance rates. Choose a car with a lower insurance rate to save money.
- Review your coverage regularly: As your driving needs change, it’s important to review your insurance coverage regularly to ensure you have the right level of protection and are not paying for coverage you do not need.
North York Car Insurance Facts
Here are some North York car insurance facts:
- North York is one of the districts within the City of Toronto, which means that drivers in North York are subject to the same minimum insurance requirements as drivers in other parts of the city and the province of Ontario.
- The cost of car insurance in North York can vary significantly depending on factors such as your driving record, age, gender, vehicle make and model, and where you live within North York. Insurance rates may also be influenced by factors such as traffic volume, accident rates, and crime rates in your neighbourhood.
- In 2019, there were over 8,000 collisions reported in the North York district, according to data from the City of Toronto’s Vision Zero program. This highlights the importance of having adequate car insurance coverage in the event of an accident.
- North York is a densely populated area with high traffic volumes, which can increase the risk of collisions and accidents. As a result, it may be more expensive to insure a vehicle in North York compared to other, less densely populated areas of the province.
- It’s important to review your insurance coverage regularly to ensure you have the right level of protection for your needs. This can help you avoid unexpected costs in the event of an accident or other covered incident.
Top 10 List of Best Car Insurance Companies in North York
Here is a list of some popular car insurance companies in North York:
- Aviva Canada
- Intact Insurance
- TD Insurance
- Allstate Insurance
- Desjardins Insurance
- The Co-operators
- Johnson Insurance
- Wawanesa Insurance
- Economical Insurance
- RSA Insurance
Top 10 List of Best Car Insurance Brokers in North York
Here is a list of some popular independent car insurance brokers in North York:
- Zensurance
- Insurance Supermarket
- Levitt Insurance Brokers Ltd.
- Lane’s Insurance Inc.
- Rowat Insurance
- Best Buy Insurance Brokers Inc.
- KRG Insurance Brokers
- ZenPlus Insurance Brokers Inc.
- Surex
- Rhodes & Williams Insurance Brokers
Tips for Drivers in North York. Only actual North York
Here are some tips for drivers in North York:
- Be aware of traffic congestion: North York is a densely populated area with a high volume of traffic, especially during rush hour. Plan your route in advance and allow extra time for your commute to avoid getting stuck in traffic.
- Watch out for pedestrians and cyclists: North York has many busy streets and intersections, so be aware of pedestrians and cyclists who may be crossing the road. Always be prepared to stop and yield to other users of the road.
- Obey traffic laws: Follow all traffic laws and signs to avoid fines and collisions. Speeding, running red lights, and illegal turns are dangerous and can result in fines and points on your driving record.
- Maintain a safe following distance: Leave enough space between your vehicle and the vehicle in front of you to allow for sudden stops or changes in traffic.
- Keep your vehicle maintained: Regularly maintain your vehicle, including brakes, tires, and lights, to ensure that it is safe to drive.
- Avoid distracted driving: Distracted driving, such as using a cell phone or eating while driving, can increase the risk of collisions. Focus on the road and avoid distractions while driving.
- Invest in winter tires: North York has long, cold winters with snow and ice, so investing in winter tires can help you stay safe on the road.
What are the Most Dangerous Intersections in North York?
Here are some intersections in North York that have been identified as having a higher rate of collisions in the past:
- Finch Avenue East and Victoria Park Avenue
- Yonge Street and Sheppard Avenue West
- Lawrence Avenue East and Victoria Park Avenue
- Don Mills Road and Eglinton Avenue East
- Steeles Avenue East and Victoria Park Avenue
- Bathurst Street and Steeles Avenue West
- Finch Avenue West and Keele Street
- Jane Street and Finch Avenue West
- Sheppard Avenue East and Don Mills Road
- Steeles Avenue West and Dufferin Street
Total Reportable Collisions in North York, 2013 – 2021
According to data from the City of Toronto’s Vision Zero program, there were a total of 22,337 reportable collisions in the former City of North York (which now comprises part of the City of Toronto) between 2010 and 2019. It’s important to note that this data covers a larger time frame and a broader area than just the current North York district, so the number of collisions in North York alone may be lower. Regardless, this data highlights the importance of safe driving practices and having adequate insurance coverage to protect against unexpected costs in the event of an accident.
About the Author: Valerie D. Hahn
