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Richmond Hill has long held a reputation as an affluent suburb of Toronto. As with many towns and cities in Ontario, settlement started around mills, focal points of agricultural regions. Today, Mill Pond on Mill Street, belie these quaint origins in Richmond Hill. As a community on Yonge Street, the early thoroughfare between Toronto and Barrie, the city has a central place in the Greater Toronto Area, one that attracted early waves of suburban residents.

With the Oak Ridges Moraine taking up about 1/3 of the northern portion of the city, Richmond Hill is home to much biodiversity. While development has blown both hot and cold in the city, much of its area now sits under Ontario Greenbelt legislation, making new land use assignments more complex.

When Yonge Street expanded from two lanes to four in the early 1970s, relief from traffic congestion was popular. Growth throughout the GTA since then has seen the return of the issue. The proximity to Toronto as well as its other suburbs ensures high traffic volumes, and resulting from that is the common problem of high car insurance premiums.

How Much Does Car Insurance Cost in Richmond Hill

The average cost of car insurance in Richmond Hill is $1,974.

Quote DateAverage Auto Insurance Cost in Richmond Hill*

*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 Richmond Hill 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 Richmond Hill

Understanding car insurance for Richmond Hill requires knowledge of the Ontario auto insurance market. Regulated heavily and overseen by the Financial Services Commission of Ontario, auto insurance is a mix of no-fault as well as tort-based insurance. Some benefits get paid by a driver’s insurer, regardless of accident fault, while injured parties retain the right to sue at-fault drivers after incidents.

Insurance policies themselves are written by private companies operating in a competitive market. Underwriting rules, as well as operating procedures, remain unique to each company. For motorists, this means that no two insurers charge exactly the same for similar policies. It could mean hundreds of dollars in savings for some drivers without substantial changes in coverage.

The key to pinpointing savings is first finding the providers with the lowest prices for the coverage needed, then fine-tuning a policy with the features and benefits important to the motorist. While every option added above the province’s required minimum adds to a policy’s cost, customizing coverage permits every driver to balance protection against premiums.

Customizing Car Insurance Coverage

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Once a motorist locates a low-cost insurer, matching policy features and options to insurance needs is next. This generally comprises three steps.

  • Topping up statutory coverage: Both liability and accident benefits coverage have supplemental enhancement with additional amounts if a driver chooses. Most Ontario auto insurance consumers add liability coverage beyond the minimum, and recent legislative changes may have more motorists upgrading accident benefits coverage as well.
  • Adding insurance options: The major additions are usually collision and comprehensive insurance. Some motorists are surprised to find that these aren’t required by the Ontario government. They may, however, be mandated by lending agencies as a condition of car purchase financing. Most insurance companies have a list of further options a driver can choose.
  • Money-saving options: Adjusting deductible levels up saves money on monthly premiums. Insurers each have a range of discounts or packages featuring a number of options at reduced prices. Drivers can learn of these from their agent or broker and request the addition of those for which they qualify.

Driving in Richmond Hill

  • Bounded in the east by Highway 404, convenient high-volume north-south access to downtown Toronto follows this highway as it converts to the Don Valley Parkway as it crosses Highway 401.
  • Toll Highway 407ETR runs along Richmond Hill’s southern border.
  • Major Mackenzie Drive, as well as 16th Avenue, provides access west to Highway 400.
  • Yonge Street remains a major four-line north-south route through Richmond Hill.
  • Richmond Hill’s commercial and industrial regions either follow Yonge Street or the area near the 404/407 intersection on the city’s border with Markham.

List of Driving Schools in Richmond Hill Ontario

Wheels Driving School211 A-5000 Dufferin St, Richmond Hill, ON M3H 5T5905-780-8111
Tomorrow’s Drivers224-10720 Yonge St, Richmond Hill, ON L4C 3C9905-940-9972
All-Star Driving School Ltd10255 Yonge St, Richmond Hill, ON L4C 3B2905-883-8500
All Nation Driving School6A Levendale Rd, Richmond Hill, ON L4C 4H2905-884-9000
Young Drivers10330 Yonge St, Richmond Hill, ON L4C 5N1905-737-0452
Alpha Driving School23 Oneida Cres, Richmond Hill, ON L4B 0A2647-292-1912
Nancy Lai & Johnny Ye350 Hwy 7 E, Richmond Hill, ON L4B 3N2905-881-3088

Road Information for Richmond Hill

  • The City of Richmond Hill features a listing of road closures and lane restrictions on its website.
  • York Region maintains similar road closure information for streets and roads in the area surrounding Richmond Hill.
  • The Weather Network provides area forecasts for Richmond Hill on its website.
  • The nearest DriveTest center serving Richmond Hill is in Newmarket at 320 Harry Walker Parkway South.
  • ServiceOntario has an outlet at Unit 4, 10909 Yonge Street in Richmond Hill.
  • Broadcast media throughout the GTA include traffic information and current conditions for Richmond Hill through news and traffic reports on-air and online.

Driving Facts for Richmond Hill

  • Yonge Street, one of the oldest roads in Canada, follows the path of a trail between lakes Ontario and Simcoe. Early development of the road was done by settlers. They were granted land along the route on the condition that they clear 33 feet of frontage along the road.
  • Hotels and taverns built the early economy of Richmond Hill, serving the horse-drawn coach traffic along the Yonge Street route.
  • The intersection of Yonge Street and Major Mackenzie Drive was traditionally the main crossroads of the area. Today, the downtown area runs from Major Mackenzie Drive to just north of Elgin Mills Drive.
  • Early train routes by-passes Richmond Hill and it wasn’t until the late 1800s that an electric trolley route came to town to connect with Toronto. The new form of transportation quickly changed life in the town as stagecoach companies went out of business after the electric train’s introduction.
  • Today, York Regional Transit runs bus service, including bus rapid transit routes. Two GO commuter train stops serve the city.
  • The Toronto Transit Commission has plans to extend the Yonge/University subway line to Richmond Hill. Transit planning organization Metrolinx received funding in 2016 to coordinate the subway extension with the TTC and York Region.

List of Car Richmond Hill Insurance Brokers, Agents, and Companies

Jason Ji Insurance10830 Bayview Ave, Richmond Hill, ON L4S 1L7905-237-9070
Allstate Insurance Company Of CanadaC1-1480 Major MacKenzie Dr. E, Richmond Hill, ON L4S 0A1905-508-2279
ATS Insurance346 Newkirk Rd, Richmond Hill, ON L4C 0A9905-883-9602
Sotere Demangelos Real Estate152 Church St S, Richmond Hill, ON L4C 1W6905-884-8222
Cosburn Griffiths & Brandham Insurance Brokers LtdRichmond Hill, Richmond Hill, ON L4C 2V7905-883-0132
State Farm Insurance205-10720 Yonge St, Richmond Hill, ON L4C 3C9905-884-2291
Fabbro & Douglas Insurance Brokers Ltd42 Arnold Cres, Richmond Hill, ON L4C 3R5289-317-0780
The Insurance Group26 Benson Ave, Richmond Hill, ON L4C 4E6905-737-6177
Millennium Insurance Brokers103-10350 Yonge St, Richmond Hill, ON L4C 5K9905-737-6634
State Farm Insurance17-9184 Yonge St, Richmond Hill, ON L4C 7A1905-762-9566
Idris Insurance Brokers Ltd10815 Bathurst St, Richmond Hill, ON L4C 9Y2905-508-7772
State Farm Insurance42-120 Newkirk Rd, Richmond Hill, ON L4C 9S7905-884-1529
Sun Life Financial500-9050 Yonge St, Richmond Hill, ON L4C 9S6905-886-2200
Tip Centre9251 Yonge St, Richmond Hill, ON L4C 9T3905-482-0585
Anast Insurance Brokers13-565 Edward Avenue, Richmond Hill, ON L4C 9W8905-780-9515
State Farm Insurance407-9555 Yonge St, Richmond Hill, ON L4C 9M5905-883-5589
RBC Insurance2-365 High Tech Rd, Richmond Hill, ON L4B 4V9905-764-1434
Lora Cai-Insurance Agent9140 Leslie St, Richmond Hill, ON L4B 0A9905-764-3262
Polywell Insurance & Financial Group9030 Leslie St, Richmond Hill, ON L4B 1G2905-709-7533
Garvin-Mark Insurance Brokers30 Fulton Way, Richmond Hill, ON L4B 1E6905-886-4913
Jd Associates Insurance Brokers Inc105 West Beaver Creek Rd, Richmond Hill, ON L4B 1C6905-764-7617
Taylor Financial Ltd30 East Beaver Creek Rd, Richmond Hill, ON L4B 1J2905-763-8555
Safeway Insurance & Financial Services202-30 Fulton Way, Unit 8, Richmond Hill, ON L4B 1J5647-496-9861
York Alliance Insurance Brokers Inc100 York Blvd, Richmond Hill, ON L4B 1J8905-513-6990
Walter Roberts Insurance Brokers Inc110 West Beaver Creek Rd, Richmond Hill, ON L4B 1J9905-764-8063
Core Underwriting Services Inc45A West Wilmot St, Richmond Hill, ON L4B 2P2289-597-3491
Fortuna Insurance Brokers57 Southgate Cres, Richmond Hill, ON L4B 2E7905-886-1651
Five Ways Insurance Brokers3 Glenayr Rd, Richmond Hill, ON L4B 2J5905-883-8831
Beri Sudarshan650 Highway 7 E, Richmond Hill, ON L4B 2N7905-762-1997
Serge Gingras Insurance165 East Beaver Creek Rd, Richmond Hill, ON L4B 2N2905-763-7087
Woodyatt J B Insce Agencies Ltd20 Wertheim Crt, Richmond Hill, ON L4B 3A8905-731-1984
State Farm Insurance103-9011 Leslie St, Richmond Hill, ON L4B 3B6905-881-9199
Anthony Tsang Insurance Brokers Inc600-95 Mural St, Richmond Hill, ON L4B 3G2416-410-6868
SKS Financial15 Wertheim Ct, Richmond Hill, ON L4B 3H7905-764-8779
Overseas Insurance Brokers Corp2-30 West Beaver Creek Rd, Richmond Hill, ON L4B 3K1905-764-8898
SSY Marathon Insurance Brokers Inc1 West Pearce St, Richmond Hill, ON L4B 3K3905-709-4744
Desjardins Financial Security Independent Network/Desjardins Financial Security Investments Inc1-1550 16th Ave, Richmond Hill, ON L4B 3K9905-918-0460
Freedom Insurance Brokers Inc214-9019 Bayview Ave, Richmond Hill, ON L4B 3M61-855-244-7030
Firstchoice Financial9040 Leslie St, Richmond Hill, ON L4B 3M4905-886-3815
Ted Chan Insurance28-175 West Beaver Creek Rd, Richmond Hill, ON L4B 3M1905-882-8833
Lipkus Insurance Brokers52 Trinity Cres, Richmond Hill, ON L4B 3L7905-886-0029
World Financial Group4-9078 Leslie St, Richmond Hill, ON L4B 3L8905-889-8138
Paisley-Manor Insurance Brokers Inc350 Highway 7 E, Richmond Hill, ON L4B 3N2416-510-1177
Alliance Income Services Corp301-1595 16th Ave, Richmond Hill, ON L4B 3N9647-557-2511
Johnson Insurance700-1595 16th Avenue, Richmond Hill, ON L4B 3S5289-319-0669
All-Risks Insurance Brokers LimitedA203-11685 Yonge St, Richmond Hill, ON L4E 0K7905-884-1777
Lucia Solomon5-12276 Yonge St, Richmond Hill, ON L4E 0W5905-508-8999
State Farm Insurance103-13311 Yonge St, Richmond Hill, ON L4E 3L6905-773-9782

Finding the best rates on car insurance in Richmond Hill means comparison shopping. The best way to search through the widest number of insurance companies is through Ratelab’s car insurance calculator. With just a few minutes of time, a motorist receives the best quotes from dozens of Ratelab’s insurance industry partners. Enter your home postal code below to try it for yourself.

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