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With the early economy built around agriculture and shipbuilding, Oakville’s proximity with Toronto and position within the Golden Horseshoe assured its prosperity as the region developed. Chosen as the head office and main factory for Ford Motor Company of Canada, Oakville still hosts a commercial-industrial strip bordering the QEW.

While the QEW is certainly prominent, running the length of the town, much of the traffic is just passing through. This is consistent with the town’s history. The road that became Dundas Street was first surveyed as a military road in the 18th century. It wasn’t until the early 19th century that settlers formed a community around the road, almost 5 km from the Lake Ontario shore. The importance of water travel at the time assured that others settled on the lake, around the mouth of Sixteen Mile Creek.

How Much Does Car Insurance Cost in Oakville

The average cost of car insurance in Oakville is $1,462.

Quote DateAverage Auto Insurance Cost in Oakville*

*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 Oakville 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 Oakville Ontario

As with all Ontario communities, Oakville’s drivers must ensure all cars have insurance. While the province’s insurance market, supplied by private insurers, remains competitive, the industry is highly regulated. All insurance companies follow regulations as part of their certification. In spite of this, each company has its own underwriting procedure. This can mean that similar policies from various companies have widely varying costs. This is good news for the insurance consumer.

The bad news is that claims and strict regulations combine to make Ontario the most expensive province for car insurance. The provincial government aggressively pursues ways to cut back costs for residents, but there’s still a long way to go before Ontario reaches the middle of the pack nationally.

Statutory Auto Insurance Coverage in Ontario

The province requires a mandatory level of coverage. No insurer can sell less than this amount. The levels of statutory coverage create a problem. The amounts of insurance specified for accident benefits, and more crucially, third-party liability, isn’t adequate to protect drivers in all circumstances. While motorists have options to add coverage, this drives up the price of an auto insurance policy.

Changes to accident benefits coverage in June 2016 reduced the amount insurance companies pay for health and rehabilitation costs stemming from an accident. While the changes won’t affect every person involved in an accident, in some situations, insurers pay only half of the amount prior to changes.

Liability coverage is more likely to fall short without buying optional insurance. The province of Ontario requires only $200,000 in third-party liability coverage for cars on the road. While this amount is similar to most other provincial plans, it may not be enough to pay settlement costs for a serious at-fault accident. Accident awards of $300,000 or greater are not uncommon. The driver remains responsible for amounts paid beyond insurance coverage. Most Ontario drivers buy extra coverage.

Collision and comprehensive insurance are not part of the provincial requirements for coverage. Most drivers add these to help with repair and replacement costs after an accident.

Driving in Oakville Ontario

  • Most of the traffic through Oakville travels via the QEW. From the west, through Oakville, Highway 403 runs concurrently with the QEW. The 403 breaks off north of Ford Drive, eventually running between Burnhamthorpe Road and Eglington Avenue for a high-volume route through Mississauga.
  • The QEW/403 feature high occupancy vehicle lanes through Oakville. Cars must have two occupants, including the driver, to use the HOV lanes. During special events, such as the Pan Am Games, the requirements are three occupants, including the driver.
  • Highway 407ETR runs roughly parallel with the QEW through Oakville, north of Dundas St. The 407ETR shares an interchange with the QEW and 403 as it turns north toward the 401, after which it resumes its east-west direction.
  • Oakville’s road grids are based on surveyed lake frontage on Lake Ontario. North-south and east-west routes tilt about 45 degrees off true compass directions.
  • Major north-s0uth town routes include Bronte Road, Third Line, Dorval Drive, Trafalgar Road, and Ninth Line, west to east.
  • East-west arteries feature Dundas Street, Upper Middle Road, Speers Road, Rebecca Street as well as Lakeshore Road, north to south.

List of Driving Schools in Oakville Ontario

Skid Control School576 Bronte Rd, Oakville, ON L6L 6S1905-827-5413
Drive Test2370 Wyecroft Road, Oakville, ON L6L 5L71-888-570-6110
Student Drivers Training IncC3-1011 Upper Middle Rd E, Oakville, ON L6H 5Z9905-338-5512
Astor Driving School Inc1422 Abbeywood Dr, Oakville, ON L6M 2K4416-825-5959
Drive Force Driving School Inc2336 Lakeshore Rd W, Oakville, ON L6L 1H5905-599-2625
Ultimate Drivers213-407 Speers Rd, Oakville, ON L6K 3T5905-825-1172
ABC Driving School215-345 Lakeshore Rd E, Oakville, ON L6J 1J5289-813-2028
DRIVEWISE Oakville235 Lakeshore Rd E, Oakville, ON L6J 1H7905-845-7200
G1 G2 Driving School3-1395 Abbeywood Dr, Oakville, ON L6M 3B2905-484-3435

Road Information for Oakville Ontario

weather forecast

  • The Ministry of Transportation for Ontario maintains a traveler’s information page for Halton Region, including Oakville.
  • The MTO also provides online traffic camera information. Cameras in Oakville list in the Burlington/Mississauga area.
  • Halton Region provides road and travel information for the region on its website.
  • The Weather Network carries short and long-term weather forecasts for Oakville and the area.
  • CTV News Toronto consolidates traffic as well as road conditions for the Golden Horseshoe Region on its website. Information comes from several sources, including the MTO and Google Maps.
  • Oakville’s DriveTest center is located at 2370 Wyecroft Road.

Driving Facts for Oakville

  • Dundas Street, surveyed as a military road, was meant to connect Toronto with London, Ontario. At the time, London was intended to be the capital of Upper Canada, though this never came to pass.
  • The QEW grew from The Middle Road, a route between Toronto and Hamilton, and the current QEW still follows the original route faithfully. The Middle Road wasn’t the first paved Toronto-Hamilton Road, but as early as 1920, bumper-to-bumper traffic made additional capacity necessary.
  • The QEW developed as Canada’s first controlled-access highway, modeled on the German autobahns. The QEW also served as a model for the later Highway 401. Highway 401 may be the single most important contributor to the economic and industrial success experienced in Ontario, according to some.

List of Oakville Auto Insurance Brokers, Agents, and Companies

Allstate Insurance Company Of Canada203 North Service Rd W, Oakville, ON L6M 3R2905-465-4400
State Farm Insurance6-1500 Heritage Way, Oakville, ON L6M 3H4905-847-1898
Dominion Of Canada1275 North Service Rd W, Oakville, ON L6M 3G4905-825-6400
State Farm Insurance100-243 North Service Rd W, Oakville, ON L6M 3E5905-339-3276
WSC Insurance Group1075 North Service Rd W, Oakville, ON L6M 2G2905-827-9811
Sunlise Assurance Company Of Canada200 North Service Rd W, Oakville, ON L6M 2Y1905-338-3791
Precision Insurance Services2124 Lumberman Lane, Oakville, ON L6M 2Y9905-847-2349
Ten Star Insurance Brokers Inc1175 North Service Rd W, Oakville, ON L6M 2W1905-847-0771
Canadian Financial Insurance Brokers Ltd3539 Stedford Rd, Oakville, ON L6L 6G1905-469-8096
All-Risks Insurance Brokers Limited18-2345 Wyecroft Road, Oakville, ON L6L 6L8905-847-0400
The Co-operators24-3420 Rebecca St, Oakville, ON L6L 6W2905-465-1625
Lamont Financial Inc428 Maplehurst Ave, Oakville, ON L6L 4Y7905-842-1117
Armour Insurance Brokers1200 Speers Rd, Oakville, ON L6L 2X4905-849-1500
K Enrnst Insurance2448 Lakeshore Rd W, Oakville, ON L6L 1H79058272626
Dobson & Toncic Insurance Brokers Limited2020 Winston Park Dr, Oakville, ON L6H 6X7905-829-2907
Axion-Skanes Insurance Solutions478 Dundas St W, Oakville, ON L6H 6Y3289-813-8277
Sk Marine Cargo Surveyors2340 Dalebrook Dr, Oakville, ON L6H 6K2289-981-1567
State Farm Insurance3040 Trafalgar Road, Oakville, ON L6H 7B9905-257-7773
Carlos Soares201-231 Oak Park Blvd, Oakville, ON L6H 7S8905-845-5236
MCI Insurance Evaluations1011 Upper Middle Rd E, Oakville, ON L6H 4L5905-849-4818
The Co-operatorsL6H4L4A13-1011 Upper Middle Rd E, Oakville, ON L6H 4L1905-845-2865
McGowan Insurance Services Ltd391 March Cres, Oakville, ON L6H 5X7905-257-1600
Guardian Insurance & Financial Inc2870 Portland Dr, Oakville, ON L6H 5W8905-844-9961
Shield Logos Insurance Inc2150 Winston Park Dr, Oakville, ON L6H 5V1289-815-0101
Neziol Insurance Group203-2421 Bristol Cir, Oakville, ON L6H 5S99058473200
State Farm Insurance1226 White Oaks Blvd, Oakville, ON L6H 2B9905-842-1020
Hartland Insurance Brokers Limited2095 Granby Dr, Oakville, ON L6H 3Y4289-813-8132
HUB International Ontario Ltd700-2265 Upper Middle Rd E, Oakville, ON L6H 0G5905-847-5500
Catherine Thompson Insurance Ltd2952 Kingsway Dr, Oakville, ON L6J 6V1905-829-5693
Oakin Insurance Brokers Limited603 Argus Rd, Oakville, ON L6J 6G6289-813-3996
Prisma Health1297 Winterbourne Dr, Oakville, ON L6J 7E4905-829-5715
State Farm Insurance102-2904 South Sheridan Way, Oakville, ON L6J 7L7905-829-0018
Dulude Taylor Inc2861 Sherwood Heights Dr, Oakville, ON L6J 7K1905-257-3535
BrokerLink102-1320 Cornwall Rd, Oakville, ON L6J 7W5905-337-7968
The Bayshire Group40 Old Mill Rd, Oakville, ON L6J 7W2905-849-9990
RBC Insurance107A-361 Cornwall Rd, Oakville, ON L6J 7Z5905-815-8121
Powell Insurance349 Davis Rd, Oakville, ON L6J 2X2905-815-9952
The Co-operators591 Argus Rd, Oakville, ON L6J 3J4905-469-9100
Wagner J R Realty Ltd156 Trafalgar Rd, Oakville, ON L6J 3G6905-845-9990
State Farm Insurance105-165 Cross Ave, Oakville, ON L6J 0A9905-337-3276
Meadowvale Insurance Brokers Ltd159 Church St, Oakville, ON L6J 1N1289-291-1070
Sun Life Financial401-277 Lakeshore Rd E, Oakville, ON L6J 1H9905-337-0039
Affiliated Insurance Management Ltd344 Lakeshore Rd E, Oakville, ON L6J 1J6905-845-4201
Oakville Insurance Brokers215-345 Lakeshore Rd E, Oakville, ON L6J 1J5905-845-0391
DPB Insurance & Financial Services305 Lakeshore Rd E, Oakville, ON L6J 1J3905-842-7275
Parro Insurance & Financial Services215 Weybourne Rd, Oakville, ON L6K 2T7905-815-8631
Oakes John F & Associates Insurance Agencies Ltd287 River Side Dr, Oakville, ON L6K 3N3905-842-7255
Plan Your Future79 Wilson St, Oakville, ON L6K 3G4647-496-2725
Morison Insurance Brokers Inc.112 Wilson St, Oakville, ON L6K 3G6905-338-6888
Fava Insurance Brokers366 Kerr St, Oakville, ON L6K 3B8905-844-5148
Belairdirect Pet Insurance710 Dorval Dr, Oakville, ON L6K 3V7905-842-1027
St Andrews Insurance Brokers Ltd200-466 Morden Rd, Oakville, ON L6K 3W4905-845-0110

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