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Things to Know Before Getting Oshawa Car Insurance
Here are some things to know before getting car insurance in Oshawa:
- Insurance Rates: Oshawa is one of the largest cities in the Greater Toronto Area, which means that insurance rates can be higher compared to other cities in Ontario. It’s important to shop around and compare quotes from different insurance companies to find the best rate for your specific needs.
- Weather: Oshawa experiences a range of weather conditions throughout the year, including heavy snowfall and icy roads in the winter, and hot and humid summers. Make sure your car insurance policy includes coverage for weather-related damage or accidents.
- Traffic Congestion: Oshawa has a growing population, which can lead to traffic congestion, especially during peak hours. Make sure to give yourself extra time to reach your destination and be aware of potential traffic delays when planning your route.
- Local Laws: Oshawa has specific traffic laws that drivers must follow. It’s important to familiarize yourself with local laws and regulations, such as parking restrictions and speed limits, to avoid fines or tickets.
- High Risk Areas: Oshawa has some areas that are considered high risk for theft or vandalism. Make sure your car insurance policy includes coverage for these types of incidents, and take precautions to protect your vehicle such as parking in well-lit areas or installing an anti-theft system.
- Insurance Discounts: Many insurance companies offer discounts for safe driving habits, such as avoiding accidents and traffic violations, or for installing safety features in your vehicle. Be sure to ask your insurance provider about any available discounts that could lower your insurance premium.
- Insurance Broker: Consider working with an independent insurance broker who is familiar with the Oshawa area and can help you find the right coverage for your specific needs.
By keeping these factors in mind, you can help ensure that you have the right car insurance coverage for your needs and budget when driving in Oshawa.
What is the Average Car Insurance Rate in Oshawa?
According to recent data, the average car insurance rate in Oshawa is approximately $1,570 per year.
Here’s the table assuming the average car insurance cost for a driver profile of age 35, married, and with a clean driving record in Oshawa.
| Driver Profile | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| G1 Driver | $85.50 | $121.50 | $202.50 |
| G2 Driver | $76.50 | $108.00 | $180.00 |
| Full G | $67.50 | $94.50 | $157.50 |
| Teenage Driver | $247.50 | $351.00 | $585.00 |
| Young Driver | $157.50 | $225.00 | $375.00 |
| High-risk Driver | $405.00 | $562.50 | $937.50 |
| Occasional Driver | $58.50 | $81.00 | $135.00 |
| Pleasure Driver | $54.00 | $76.50 | $127.50 |
| Commuting Driver | $76.50 | $108.00 | $180.00 |
| Good Driver | $49.50 | $67.50 | $112.50 |
| Bad Driver | $450.00 | $675.00 | $1,125.00 |
| New Driver | $180.00 | $256.50 | $427.50 |
| Secondary Driver | $54.00 | $76.50 | $127.50 |
| 17 Years Old | $292.50 | $427.50 | $712.50 |
| Seniors | $54.00 | $76.50 | $127.50 |
| Over 55 Years Old | $54.00 | $76.50 | $127.50 |
| Students | $135.00 | $202.50 | $337.50 |
| International Driver | $180.00 | $256.50 | $427.50 |
| Newcomers | $180.00 | $256.50 | $427.50 |
| Men Driver | $85.50 | $121.50 | $202.50 |
| Women Driver | $67.50 | $94.50 | $157.50 |
| Married Couples | $49.50 | $67.50 | $112.50 |
| Usage-Based | $63.00 | $90.00 | $150.00 |
| Uber/Lyft | $135.00 | $202.50 | $337.50 |
| Personal use | $58.50 | $81.00 | $135.00 |
| Business use | $76.50 | $108.00 | $180.00 |
| Commercial use | $135.00 | $202.50 | $337.50 |
Here’s a table showing the estimated monthly car insurance costs range for different types of cars in Oshawa.
| Car Type | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| Sedan | $65 – $130 | $90 – $175 | $110 – $220 |
| Convertible | $75 – $150 | $100 – $200 | $130 – $250 |
| Hatchback | $60 – $120 | $85 – $160 | $100 – $200 |
| Wagon | $70 – $140 | $95 – $185 | $120 – $240 |
| Coupe | $70 – $140 | $95 – $185 | $120 – $240 |
| SUV | $80 – $160 | $110 – $215 | $140 – $280 |
| Truck | $75 – $150 | $100 – $200 | $130 – $250 |
| Minivans | $80 – $160 | $110 – $215 | $140 – $280 |
| Van | $80 – $160 | $110 – $215 | $140 – $280 |
| Electric Car | $90 – $180 | $120 – $230 | $150 – $300 |
| Hybrid Car | $85 – $170 | $115 – $225 | $145 – $290 |
| Multi Car | $70 – $140 | $95 – $185 | $120 – $240 |
| Exotic Car | $500 – $1000 | $700 – $1400 | $900 – $1800 |
| Luxury Car | $250 – $500 | $350 – $700 | $450 – $900 |
| Classic Car | $100 – $200 | $135 – $270 | $170 – $340 |
| Vintage car | $90 – $180 | $120 – $230 | $150 – $300 |
| Sports Car | $200 – $400 | $280 – $560 | $360 – $720 |
| Leased cars | $85 – $170 | $115 – $225 | $145 – $290 |
| 2 Door | $70 – $140 | $95 – $185 | $120 – $240 |
Here’s a table showing the average car insurance costs range in Oshawa for a driver profile of age 35, married, based on their driving history:
| Driving History | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| Clean Driving Record | $70 – $140 | $95 – $185 | $120 – $240 |
| 1 At-Fault Accident | $90 – $180 | $125 – $245 | $160 – $320 |
| 2 At-Fault Accidents | $120 – $240 | $165 – $325 | $210 – $420 |
| 1 Non-Fault Accident | $70 – $140 | $95 – $185 | $120 – $240 |
| DUI Conviction | $120 – $240 | $165 – $325 | $210 – $420 |
| 1 Speeding Ticket | $75 – $150 | $100 – $200 | $130 – $260 |
| 2 Speeding Tickets | $95 – $190 | $130 – $255 | $165 – $330 |
How Does Oshawa’s Average Car Insurance Cost Compare to Other Cities?
Here is a list of the average car insurance costs in Oshawa compared to other cities in Ontario:
- Oshawa: $1,570 per year (on average)
- Toronto: $2,028 per year (on average)
- Brampton: $2,898 per year (on average)
- Mississauga: $2,182 per year (on average)
- Markham: $1,609 per year (on average)
- Vaughan: $1,774 per year (on average)
- Hamilton: $1,299 per year (on average)
- London: $1,274 per year (on average)
- Kitchener: $1,332 per year (on average)
- Windsor: $1,314 per year (on average)
Which Cars Have the Cheapest Car Insurance in Oshawa?
Here are some examples of cars that may have cheaper insurance rates in Oshawa, along with their average insurance rate per year:
- Honda Civic – $1,131
- Toyota Corolla – $1,182
- Hyundai Elantra – $1,218
- Mazda3 – $1,237
- Volkswagen Jetta – $1,256
- Ford Escape – $1,322
- Honda CR-V – $1,369
- Toyota RAV4 – $1,384
- Jeep Wrangler – $1,456
- Subaru Outback – $1,480
How to Get the Cheapest Car Insurance in Oshawa?
If you’re looking for ways to get the cheapest car insurance in Oshawa, here are some tips:
- Shop around: The best way to get the cheapest car insurance in Oshawa is to shop around and compare rates from multiple insurance providers. Look for insurance companies that offer discounts for safe driving, bundling policies, or for having a good credit score.
- Consider increasing your deductible: Increasing your deductible – the amount you pay out of pocket before insurance kicks in – can help lower your insurance premiums. Just be sure that you can afford the higher deductible in the event of an accident.
- Drive a safe car: Cars with good safety ratings and anti-theft devices are typically cheaper to insure. Consider purchasing a car with these features to help lower your insurance premiums.
- Maintain a good driving record: Your driving record is one of the biggest factors that insurance companies consider when setting rates. Try to maintain a clean driving record and avoid accidents and traffic violations to keep your rates low.
- Take a defensive driving course: Completing a defensive driving course can help you qualify for lower insurance rates. Check with your insurance provider to see if they offer discounts for completing a course.
- Work with an independent insurance broker: An independent insurance broker who is familiar with the Oshawa area can help you navigate the insurance landscape and find the best coverage at the best price. They can also help you take advantage of any available discounts or special offers.
By following these tips, you can help lower your car insurance premiums in Oshawa and find the right coverage for your specific needs and budget.
Oshawa Car Insurance Facts
Here are some Oshawa car insurance facts that are specific to the city:
- Insurance rates in Oshawa are generally higher than in other parts of Ontario due to the city’s high population and traffic volume.
- Oshawa is a hub for the automotive industry in Ontario, which means that many residents work in the industry and may have unique insurance needs related to their profession.
- The city has a growing population, which means that traffic congestion can be a problem during peak hours, and can increase the risk of accidents and collisions.
- Oshawa has several major highways running through it, including the 401 and the 407, which can also contribute to traffic congestion and an increased risk of accidents.
- Oshawa has a number of neighbourhoods that are considered high-risk for theft and vandalism, which can impact insurance rates for residents living in those areas.
- Insurance fraud is a problem in Ontario, including in Oshawa, and can impact insurance rates for all drivers in the city. It’s important to be aware of the signs of insurance fraud and to report any suspicious activity to the authorities.
- The COVID-19 pandemic has impacted car insurance rates in Oshawa, as many drivers are working from home and driving less frequently, which has resulted in fewer claims and lower rates.
Top 10 List of Best Car Insurance Companies in Oshawa
Here are some of the best car insurance companies in Oshawa, along with a brief description and reviews from customers:
- Allstate Insurance: Allstate is a well-known insurance company that offers a variety of coverage options, including car insurance. Customers praise Allstate for their excellent customer service and competitive rates.
- State Farm Insurance: State Farm is a popular insurance company that offers a range of car insurance options, including liability coverage, collision coverage, and comprehensive coverage. Customers appreciate the personalized service and attention to detail offered by State Farm agents.
- Desjardins Insurance: Desjardins is a leading insurance company that offers a variety of car insurance coverage options, including accident benefits, liability coverage, and collision coverage. Customers appreciate Desjardins’ competitive rates and excellent customer service.
- Belairdirect: Belairdirect is a direct-to-consumer insurance company that offers a variety of car insurance options, including liability coverage, collision coverage, and comprehensive coverage. Customers appreciate Belairdirect’s easy-to-use online platform and competitive rates.
- TD Insurance: TD Insurance is a well-established insurance company that offers a variety of car insurance options, including liability coverage, collision coverage, and comprehensive coverage. Customers praise TD Insurance for their excellent customer service and competitive rates.
- Aviva Canada: Aviva is a well-established insurance company that offers a variety of car insurance coverage options, including liability coverage, collision coverage, and comprehensive coverage. Customers appreciate Aviva’s competitive rates and excellent customer service.
- Economical Insurance: Economical is a direct-to-consumer insurance company that offers a range of car insurance options, including liability coverage, collision coverage, and comprehensive coverage. Customers appreciate Economical’s easy-to-use online platform and competitive rates.
- Wawanesa Insurance: Wawanesa is a Canadian-owned insurance company that offers a variety of car insurance coverage options, including liability coverage, collision coverage, and comprehensive coverage. Customers praise Wawanesa for their excellent customer service and competitive rates.
- Intact Insurance: Intact is a leading insurance company that offers a variety of car insurance coverage options, including liability coverage, collision coverage, and comprehensive coverage. Customers appreciate Intact’s personalized service and attention to detail.
- Johnson Insurance: Johnson is a well-known insurance company that offers a variety of car insurance coverage options, including liability coverage, collision coverage, and comprehensive coverage. Customers appreciate Johnson’s competitive rates and excellent customer service.
Top 10 List of Best Car Insurance Brokers in Oshawa
Here are some independent car insurance brokers in Oshawa, along with a brief description and reviews from customers:
- Steele & Ferraro Insurance Brokers: Steele & Ferraro is an independent insurance broker that offers a variety of insurance options, including car insurance. Customers praise Steele & Ferraro for their personalized service and attention to detail.
- Mitchell & Whale Insurance Brokers: Mitchell & Whale is an independent insurance broker that offers a range of insurance options, including car insurance. Customers appreciate Mitchell & Whale’s competitive rates and excellent customer service.
- Petley-Hare Limited Insurance Brokers: Petley-Hare is an independent insurance broker that offers a variety of insurance options, including car insurance. Customers praise Petley-Hare for their excellent customer service and comprehensive coverage options.
- Noble Insurance: Noble Insurance is an independent insurance broker that offers a variety of insurance options, including car insurance. Customers appreciate Noble Insurance’s personalized service and competitive rates.
- D.G. Bevan Insurance Brokers Ltd.: D.G. Bevan is an independent insurance broker that offers a range of insurance options, including car insurance. Customers praise D.G. Bevan for their excellent customer service and comprehensive coverage options.
- Oracle RMS Insurance Brokers: Oracle RMS is an independent insurance broker that offers a variety of insurance options, including car insurance. Customers appreciate Oracle RMS for their competitive rates and excellent customer service.
- Jamieson-Hilts Insurance Brokers: Jamieson-Hilts is an independent insurance broker that offers a range of insurance options, including car insurance. Customers praise Jamieson-Hilts for their personalized service and attention to detail.
- Regal Insurance Brokers: Regal is an independent insurance broker that offers a variety of insurance options, including car insurance. Customers appreciate Regal for their competitive rates and excellent customer service.
- DMW Insurance Ltd.: DMW is an independent insurance broker that offers a range of insurance options, including car insurance. Customers praise DMW for their comprehensive coverage options and personalized service.
- Sharp Insurance: Sharp Insurance is an independent insurance broker that offers a variety of insurance options, including car insurance. Customers appreciate Sharp Insurance for their easy-to-use online platform and competitive rates.
Tips for Drivers in Oshawa
Here are some tips for drivers in Oshawa that are specific to the city:
- Watch out for potholes: Oshawa’s harsh winter weather can lead to potholes on the city’s roads. Be sure to drive carefully and watch out for potholes, which can cause damage to your car and increase the risk of accidents.
- Be aware of construction zones: Oshawa is a growing city, which means that there are often construction zones on the roads. Be sure to watch for signs and slow down in these areas to avoid accidents.
- Consider using public transportation: Oshawa has a number of public transportation options, including buses and trains. Using public transportation can help you avoid traffic and save money on gas and parking.
- Drive defensively: Oshawa’s traffic can be heavy during peak hours, which can increase the risk of accidents. Drive defensively, stay alert, and be aware of your surroundings to avoid accidents and keep yourself and other drivers safe.
- Be aware of school zones: Oshawa has a number of schools in the area, which means that there are often school zones on the roads. Be sure to slow down and watch for pedestrians in these areas to keep students safe.
- Keep your car secure: Oshawa has a number of neighbourhoods that are considered high-risk for theft and vandalism. Be sure to keep your car locked and secure to avoid theft or damage.
What are the Most Dangerous Intersections in Oshawa?
According to the latest collision data from the City of Oshawa, here are some of the most dangerous intersections in the city based on the number of reported collisions:
- Simcoe St N and Rossland Rd E – 51 collisions reported
- Simcoe St N and Taunton Rd – 45 collisions reported
- King St E and Townline Rd N – 42 collisions reported
- King St E and Wilson Rd S – 39 collisions reported
- King St E and Park Rd S – 35 collisions reported
- Taunton Rd E and Harmony Rd N – 33 collisions reported
- Simcoe St N and Conlin Rd E – 30 collisions reported
- Simcoe St S and Rossland Rd E – 29 collisions reported
- King St W and Thornton Rd S – 26 collisions reported
- Simcoe St S and Bloor St E – 26 collisions reported
Total Reportable Collisions in Oshawa
According to the latest collision data from the City of Oshawa, here are the total number of reportable collisions in Oshawa from 2013 to 2021:
- 2013: 3,820
- 2014: 3,832
- 2015: 3,729
- 2016: 3,798
- 2017: 3,760
- 2018: 3,637
- 2019: 3,479
- 2020: 2,915
- 2021 (up to September 30th): 2,363
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.
