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Things to Know Before Getting Richmond Hill Car Insurance
Here are some things to know before getting car insurance in Richmond Hill that are specific to the city:
- Traffic congestion: Richmond Hill is a growing city, which means that traffic congestion can be a problem during peak hours. This can increase the risk of accidents and collisions, and may impact insurance rates for drivers in the area.
- Location: The location of your home and where you park your car can impact your insurance rates. Richmond Hill has a variety of neighbourhoods, some of which may be considered higher risk for theft or vandalism. Be sure to ask your insurance provider about the impact of your location on your insurance rates.
- Severe weather: Richmond Hill experiences a range of weather conditions, including severe winter weather that can impact driving conditions. Be sure to consider the impact of weather on your driving habits and your insurance needs.
- Road conditions: The condition of the roads in Richmond Hill can also impact driving conditions and the risk of accidents. Be sure to drive carefully and watch for road hazards, such as potholes, which can cause damage to your car.
- Public transportation: Richmond Hill 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, which may impact your insurance rates.
- Insurance brokers: There are a number of independent insurance brokers in Richmond Hill who can help you find the right car insurance coverage for your needs. Working with an independent broker can help you compare rates and coverage options from multiple providers to find the best policy for your budget.
What is the Average Car Insurance Rate in Richmond Hill
According to recent data, the average annual car insurance premium in Richmond Hill is approximately $1,700.
Here is a table showing the estimated average monthly car insurance costs for different driver profiles in Richmond Hill:
Please keep in mind that these are estimates based on the provided information and actual insurance costs may vary depending on a variety of factors such as driving history, vehicle type, and insurance provider.
| Driver Profile | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| G1 Driver | $210 | $260 | $320 |
| G2 Driver | $185 | $230 | $285 |
| Full G | $160 | $200 | $250 |
| Teenage Driver | $450 | $550 | $700 |
| Young Driver | $320 | $400 | $500 |
| High-risk Driver | $500 | $620 | $780 |
| Occasional driver | $140 | $175 | $220 |
| Pleasure driver | $125 | $155 | $195 |
| Commuting driver | $225 | $280 | $350 |
| Good driver | $140 | $175 | $220 |
| Bad driver | $400 | $500 | $625 |
| New Driver | $375 | $465 | $580 |
| Secondary Driver | $150 | $190 | $240 |
| 17 Years Old | $425 | $530 | $660 |
| Seniors | $135 | $170 | $215 |
| Over 55 Years Old | $130 | $160 | $200 |
| Students | $200 | $250 | $315 |
| International Driver | $450 | $550 | $700 |
| Newcomers | $400 | $500 | $625 |
| Men Driver | $190 | $240 | $300 |
| Women Driver | $175 | $220 | $275 |
| Married Couples | $130 | $165 | $205 |
| Usage-Based | $130 | $160 | $200 |
| Uber/Lyft | $300 | $375 | $470 |
| Personal use | $175 | $220 | $275 |
| Business use | $325 | $405 | $505 |
| Commercial use | $450 | $560 | $700 |
Here is a table showing the estimated monthly car insurance costs range for different types of cars in Richmond Hill for a driver profile of age 35, married, with a clean driving record:
| Car Type | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| Sedan | $125 – $180 | $155 – $220 | $195 – $280 |
| Convertible | $175 – $250 | $220 – $315 | $275 – $395 |
| Hatchback | $130 – $185 | $160 – $225 | $200 – $290 |
| Wagon | $135 – $195 | $165 – $235 | $205 – $295 |
| Coupe | $150 – $215 | $185 – $265 | $230 – $330 |
| SUV | $175 – $250 | $220 – $315 | $275 – $395 |
| Truck | $185 – $265 | $230 – $330 | $285 – $410 |
| Minivans | $165 – $235 | $205 – $290 | $255 – $365 |
| Van | $180 – $255 | $225 – $320 | $280 – $405 |
| Electric Car | $175 – $250 | $220 – $315 | $275 – $395 |
| Hybrid Car | $155 – $220 | $195 – $280 | $245 – $350 |
| Multi Car | $130 – $185 | $160 – $225 | $200 – $290 |
| Exotic Car | $600 – $850 | $750 – $1070 | $940 – $1345 |
| Luxury Car | $400 – $570 | $500 – $710 | $625 – $890 |
| Classic Car | $250 – $355 | $310 – $445 | $390 – $560 |
| Vintage Car | $400 – $570 | $500 – $710 | $625 – $890 |
| Sports Car | $400 – $570 | $500 – $710 | $625 – $890 |
| Leased cars | $185 – $265 | $230 – $330 | $285 – $410 |
| 2 Door | $150 – $215 | $185 – $265 | $230 – $330 |
Here is a table showing the estimated monthly car insurance costs range in Richmond Hill for a driver profile of age 35, married, based on their driving history:
| Driving History | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| Clean driving record | $140 – $175 | $175 – $220 | $220 – $275 |
| 1 one at-fault accident | $220 – $310 | $275 – $390 | $345 – $490 |
| 2 one at-fault accidents | $375 – $530 | $465 – $665 | $580 – $825 |
| 1 non-fault accident | $155 – $220 | $195 – $280 | $245 – $350 |
| DUI conviction | $640 – $910 | $800 – $1140 | $1000 – $1425 |
| 1 speeding ticket | $150 – $215 | $185 – $265 | $230 – $330 |
| 2 speeding tickets | $275 – $390 | $345 – $490 | $430 – $610 |
How Does Richmond Hill’s Average Car Insurance Cost Compare to Other Cities?
Here is a comparison of Richmond Hill’s average car insurance cost to other cities in Ontario:
- Toronto: According to recent data, the average car insurance premium in Toronto is approximately $2,300, which is significantly higher than the average premium in Richmond Hill.
- Mississauga: The average car insurance premium in Mississauga is approximately $2,100, which is slightly higher than the average premium in Richmond Hill.
- Markham: According to recent data, the average car insurance premium in Markham is approximately $1,800, which is comparable to the average premium in Richmond Hill.
- Brampton: The average car insurance premium in Brampton is approximately $2,600, which is significantly higher than the average premium in Richmond Hill.
- Vaughan: According to recent data, the average car insurance premium in Vaughan is approximately $2,000, which is slightly higher than the average premium in Richmond Hill.
Which Cars Have the Cheapest Car Insurance in Richmond Hill?
Here are some cars that generally have lower insurance rates in Richmond Hill:
- Honda Civic: The Honda Civic is a popular car in Richmond Hill, and it generally has lower insurance rates compared to other vehicles in its class. The average annual insurance premium for a Honda Civic in Richmond Hill is approximately $1,400.
- Toyota Corolla: The Toyota Corolla is another popular car in Richmond Hill that generally has lower insurance rates. The average annual insurance premium for a Toyota Corolla in Richmond Hill is approximately $1,450.
- Ford Escape: The Ford Escape is a popular SUV that generally has lower insurance rates compared to other SUVs in its class. The average annual insurance premium for a Ford Escape in Richmond Hill is approximately $1,600.
- Hyundai Elantra: The Hyundai Elantra is a compact car that generally has lower insurance rates. The average annual insurance premium for a Hyundai Elantra in Richmond Hill is approximately $1,400.
- Mazda3: The Mazda3 is another popular compact car in Richmond Hill that generally has lower insurance rates. The average annual insurance premium for a Mazda3 in Richmond Hill is approximately $1,500.
How to Get the Cheapest Car Insurance in Richmond Hill?
Here are some tips for getting the cheapest car insurance in Richmond Hill that are specific to the city:
- Shop around: One of the best ways to get the cheapest car insurance in Richmond Hill is to shop around and get quotes from multiple insurance providers. Working with an independent insurance broker who is familiar with the Richmond Hill area can help you compare rates and coverage options from multiple providers to find the best policy for your needs and budget.
- Consider your location: Your location in Richmond Hill can impact your insurance rates. If you live in a neighbourhood that is considered high-risk for theft or vandalism, you may pay higher insurance rates. Be sure to ask your insurance provider about the impact of your location on your insurance rates.
- Increase your deductible: One way to lower your insurance premiums is to increase your deductible, which is the amount you pay out of pocket before your insurance kicks in. Be sure to choose a deductible that you can afford in the event of an accident.
- Drive safely: Your driving record can impact your insurance rates. By driving safely and avoiding accidents and tickets, you can qualify for lower insurance rates over time.
- Consider bundling: If you have other insurance policies, such as home or life insurance, you may be able to save money by bundling your policies with the same provider. Be sure to ask your insurance provider about bundle discounts.
Richmond Hill Car Insurance Facts
Here are some car insurance facts that are specific to Richmond Hill:
- Insurance rates can vary by location: Your location in Richmond Hill can impact your insurance rates. If you live in a neighbourhood that is considered high-risk for theft or vandalism, you may pay higher insurance rates.
- Insurance rates can vary by vehicle: The type of car you drive can also impact your insurance rates. Insurance providers consider factors like the age of the car, its safety rating, and its repair costs when calculating premiums.
- Traffic congestion can impact insurance rates: Richmond Hill is a growing city, which means that traffic congestion can be a problem during peak hours. This can increase the risk of accidents and collisions, and may impact insurance rates for drivers in the area.
- Winter weather can impact driving conditions: Richmond Hill experiences a range of weather conditions, including severe winter weather that can impact driving conditions. It’s important for drivers to be aware of the impact of weather on their driving habits and to adjust their driving accordingly.
- Insurance brokers can help you find the best rates: Working with an independent insurance broker who is familiar with the Richmond Hill area can help you compare rates and coverage options from multiple providers to find the best policy for your needs and budget.
- Discounts are available: Insurance providers in Richmond Hill offer a range of discounts, such as safe driver discounts, multi-vehicle discounts, and bundle discounts. Be sure to ask your insurance provider about available discounts to help lower your insurance costs.
Top 10 List of Best Car Insurance Companies in Richmond Hill
Here are some of the best car insurance companies in Richmond Hill, along with their company descriptions, reviews, and star ratings:
- Allstate Insurance Canada: Allstate is a well-known insurance provider in Canada that offers a range of car insurance policies, including liability, collision, and comprehensive coverage. The company has a 4.5-star rating on Google based on over 200 reviews.
- Aviva Canada: Aviva is a global insurance provider that offers a range of car insurance policies, including accident forgiveness, coverage for new cars, and roadside assistance. The company has a 4.5-star rating on Google based on over 150 reviews.
- Belairdirect: Belairdirect is a Canadian insurance provider that offers a range of car insurance policies, including liability, collision, and comprehensive coverage. The company also offers discounts for safe drivers and bundling insurance policies. The company has a 3.9-star rating on Google based on over 150 reviews.
- Intact Insurance: Intact is a Canadian insurance provider that offers a range of car insurance policies, including liability, collision, and comprehensive coverage. The company also offers discounts for bundling insurance policies and for safe drivers. The company has a 3.6-star rating on Google based on over 100 reviews.
- TD Insurance: TD Insurance is a Canadian insurance provider that offers a range of car insurance policies, including liability, collision, and comprehensive coverage. The company also offers discounts for bundling insurance policies and for safe drivers. The company has a 3.5-star rating on Google based on over 100 reviews.
- Sonnet Insurance: Sonnet is a Canadian insurance provider that offers a range of car insurance policies, including liability, collision, and comprehensive coverage. The company also offers discounts for bundling insurance policies and for safe drivers. Sonnet has a 4.2-star rating on Google based on over 150 reviews.
- Wawanesa Insurance: Wawanesa is a Canadian insurance provider that offers a range of car insurance policies, including liability, collision, and comprehensive coverage. The company also offers discounts for safe drivers and for bundling insurance policies. Wawanesa has a 4.2-star rating on Google based on over 50 reviews.
- Economical Insurance: Economical is a Canadian insurance provider that offers a range of car insurance policies, including liability, collision, and comprehensive coverage. The company also offers discounts for safe drivers and for bundling insurance policies. Economical has a 3.4-star rating on Google based on over 50 reviews.
- Co-operators Insurance: Co-operators is a Canadian insurance provider that offers a range of car insurance policies, including liability, collision, and comprehensive coverage. The company also offers discounts for safe drivers and for bundling insurance policies. Co-operators has a 3.1-star rating on Google based on over 50 reviews.
- Desjardins Insurance: Desjardins is a Canadian insurance provider that offers a range of car insurance policies, including liability, collision, and comprehensive coverage. The company also offers discounts for safe drivers and for bundling insurance policies. Desjardins has a 3.0-star rating on Google based on over 30 reviews.
Top 10 List of Best Car Insurance Brokers in Richmond Hill
Here are some of the best independent car insurance brokers in Richmond Hill, along with their company descriptions, reviews, and star ratings:
- Oracle RMS Insurance: Oracle RMS Insurance is an independent insurance brokerage that specializes in car insurance policies. The company works with a range of insurance providers to help clients find the best coverage at the best price. Oracle RMS has a 5.0-star rating on Google based on over 50 reviews.
- First Durham Insurance & Financial Ltd.: First Durham Insurance & Financial is an independent insurance brokerage that offers a range of car insurance policies. The company works with a range of insurance providers to help clients find the best coverage at the best price. First Durham Insurance & Financial has a 4.9-star rating on Google based on over 50 reviews.
- Duliban Insurance Brokers: Duliban Insurance Brokers is an independent insurance brokerage that offers a range of car insurance policies. The company works with a range of insurance providers to help clients find the best coverage at the best price. Duliban Insurance Brokers has a 4.8-star rating on Google based on over 20 reviews.
- Pearson Dunn Insurance Inc.: Pearson Dunn Insurance is an independent insurance brokerage that offers a range of car insurance policies. The company works with a range of insurance providers to help clients find the best coverage at the best price. Pearson Dunn Insurance has a 4.3-star rating on Google based on over 10 reviews.
- Shield Insurance Brokers: Shield Insurance Brokers is an independent insurance brokerage that specializes in car insurance policies. The company works with a range of insurance providers to help clients find the best coverage at the best price. Shield Insurance Brokers has a 4.3-star rating on Google based on over 10 reviews.
- Insurance Hero: Insurance Hero is an independent insurance brokerage that offers a range of car insurance policies. The company works with a range of insurance providers to help clients find the best coverage at the best price. Insurance Hero has a 4.7-star rating on Google based on over 50 reviews.
- Guthrie Insurance Brokers Ltd.: Guthrie Insurance Brokers is an independent insurance brokerage that specializes in car insurance policies. The company works with a range of insurance providers to help clients find the best coverage at the best price. Guthrie Insurance Brokers has a 4.5-star rating on Google based on over 20 reviews.
- M&W Insurance Brokers Ltd.: M&W Insurance Brokers is an independent insurance brokerage that offers a range of car insurance policies. The company works with a range of insurance providers to help clients find the best coverage at the best price. M&W Insurance Brokers has a 4.0-star rating on Google based on over 10 reviews.
- Aurora Insurance Brokers: Aurora Insurance Brokers is an independent insurance brokerage that offers a range of car insurance policies. The company works with a range of insurance providers to help clients find the best coverage at the best price. Aurora Insurance Brokers has a 3.9-star rating on Google based on over 10 reviews.
- Able Insurance Brokers Ltd.: Able Insurance Brokers is an independent insurance brokerage that specializes in car insurance policies. The company works with a range of insurance providers to help clients find the best coverage at the best price. Able Insurance Brokers has a 3.7-star rating on Google based on over 10 reviews.
Tips for Drivers in Richmond Hill
Here are some tips for drivers in Richmond Hill that are specific to the city:
- Be aware of construction zones: Richmond Hill is a growing city, which means that there is often construction taking place on roads and highways. Be sure to pay attention to signs and traffic signals in construction zones, and be prepared for delays and changes to the road conditions.
- Watch for school zones: There are a number of schools located in Richmond Hill, and many of these have designated school zones where the speed limit is reduced during specific times of day. Be sure to watch for signs indicating school zones and adjust your speed accordingly.
- Be cautious in inclement weather: Richmond Hill experiences a range of weather conditions, including heavy rain, snow, and ice during the winter months. Be sure to adjust your driving habits to suit the current weather conditions, and give yourself extra time to reach your destination.
- Use public transportation: Richmond Hill has a range of public transportation options, including buses and trains. Using public transportation can help reduce traffic congestion and make it easier to get around the city.
- Watch for wildlife: Richmond Hill is located in a region that is known for its wildlife, including deer and other animals that may wander onto roads and highways. Be sure to watch for signs indicating wildlife crossings, and adjust your speed and driving habits accordingly.
What are the Most Dangerous Intersections in Richmond Hill?
According to data from York Regional Police, here are some of the most dangerous intersections in Richmond Hill based on the number of collisions reported from 2018 to 2020:
- Bayview Avenue and Highway 7: 93 collisions
- Yonge Street and 16th Avenue: 77 collisions
- Leslie Street and Highway 7: 69 collisions
- Leslie Street and 16th Avenue: 55 collisions
- Bayview Avenue and 16th Avenue: 48 collisions
Total Reportable Collisions in Richmond Hill, 2013 – 2021
Richmond Hill from 2013 to 2021:
- 2013: 4,545 collisions
- 2014: 4,736 collisions
- 2015: 4,730 collisions
- 2016: 4,892 collisions
- 2017: 4,987 collisions
- 2018: 4,767 collisions
- 2019: 4,727 collisions
- 2020: 3,332 collisions (note: this number may have been impacted by COVID-19 restrictions)
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.
