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Things to Know Before Getting Vaughan Car Insurance
Here are some things to know before getting Vaughan car insurance:
- Minimum Coverage Requirements: In Vaughan, all drivers are required to have a minimum amount of insurance coverage that includes third-party liability, accident benefits, and uninsured automobile coverage. It’s important to make sure you have at least the minimum amount of coverage required by law, and consider purchasing additional coverage as needed.
- Discounts: Many insurance providers in Vaughan offer discounts for things like safe driving, installing winter tires, and having multiple policies with the same company. Be sure to ask your insurance provider about any discounts that may be available to you.
- Premiums: Car insurance premiums in Vaughan can vary widely depending on factors such as your age, driving record, type of vehicle, and location. Make sure to shop around and compare quotes from different providers to find the best rate for your needs.
- Winter Weather: Vaughan experiences harsh winter weather, which can increase the risk of accidents. Consider purchasing additional coverage to protect against things like damage from ice or snow, and make sure to install winter tires to improve traction on icy roads.
- Traffic: Vaughan has a growing population, which means there is often heavy traffic on the roads. This can increase the risk of accidents, so it’s important to be aware of your surroundings and follow traffic laws to help prevent collisions.
- Insurance Fraud: Insurance fraud is a serious problem in Vaughan and can lead to higher insurance premiums for all drivers. Be aware of common fraud schemes, such as staged accidents, and report any suspicious activity to your insurance provider or the police.
- Local Insurance Providers: There are many insurance providers that operate in Vaughan, including both large national companies and smaller local providers. Consider working with a local insurance provider who has experience with the unique driving conditions in Vaughan and can provide personalized service to meet your needs.
What is the Average Car Insurance Rate in Vaughan
The average cost of car insurance in Vaughan is $2,543.
Here’s a table showing the estimated monthly car insurance costs range in Vaughan:
Keep in mind that these are only estimates, and actual insurance costs may vary depending on various factors such as the insurance company, the specific car model, and the driver’s location and driving history.
| Driver Profile | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| G1 Driver | $335 – $670 | $465 – $930 | $600 – $1200 |
| G2 Driver | $210 – $420 | $290 – $580 | $375 – $750 |
| Full G | $130 – $260 | $180 – $360 | $230 – $460 |
| Teenage Driver | $630 – $1260 | $875 – $1750 | $1125 – $2250 |
| Young Driver | $365 – $730 | $505 – $1010 | $650 – $1300 |
| High-risk Driver | $525 – $1050 | $725 – $1450 | $940 – $1880 |
| Occasional driver | $120 – $240 | $165 – $330 | $210 – $420 |
| Pleasure | $105 – $210 | $145 – $290 | $185 – $370 |
| Commuting | $230 – $460 | $320 – $640 | $410 – $820 |
| Good driver | $100 – $200 | $140 – $280 | $180 – $360 |
| Bad driver | $425 – $850 | $590 – $1180 | $760 – $1520 |
| New Driver | $240 – $480 | $335 – $670 | $430 – $860 |
| Secondary Driver | $90 – $180 | $125 – $250 | $160 – $320 |
| 17 Years Old | $610 – $1220 | $845 – $1690 | $1090 – $2180 |
| Seniors | $115 – $230 | $160 – $320 | $205 – $410 |
| Over 55 Years Old | $95 – $190 | $130 – $260 | $165 – $330 |
| Students | $295 – $590 | $410 – $820 | $530 – $1060 |
| International Driver | $390 – $780 | $540 – $1080 | $695 – $1390 |
| Newcomers | $330 – $660 | $455 – $910 | $585 – $1170 |
| Men Driver | $140 – $280 | $195 – $390 | $250 – $500 |
| Women Driver | $130 – $260 | $180 – $360 | $230 – $460 |
| Married Couples | $105 – $210 | $145 – $290 | $185 – $370 |
| Usage-Based | $105 – $210 | $145 – $290 | $185 – $370 |
| Uber/Lyft | $285 – $570 | $395 – $790 | $510 – $1020 |
| Personal use | $110 – $220 | $155 – $310 | $200 – $400 |
The estimated monthly car insurance costs range for different types of cars in Vaughan:
| Car Type | Monthly Cost (Liability only) (10% decrease) | Monthly Cost (Liability + Collision) (10% decrease) | Monthly Cost (Full coverage) (10% decrease) |
|---|---|---|---|
| Sedan | $110 – $150 | $150 – $220 | $170 – $260 |
| Convertible | $130 – $180 | $180 – $260 | $200 – $300 |
| Hatchback | $100 – $140 | $140 – $200 | $160 – $240 |
| Wagon | $120 – $160 | $160 – $240 | $190 – $290 |
| Coupe | $130 – $180 | $180 – $260 | $200 – $300 |
| SUV | $140 – $190 | $190 – $280 | $220 – $340 |
| Truck | $150 – $200 | $200 – $300 | $230 – $360 |
| Minivan | $130 – $180 | $180 – $260 | $200 – $300 |
| Van | $150 – $200 | $200 – $300 | $230 – $360 |
| Electric Car | $180 – $240 | $240 – $350 | $270 – $420 |
| Hybrid Car | $160 – $220 | $220 – $320 | $250 – $380 |
| Multi Car | $100 – $140 | $140 – $200 | $160 – $240 |
| Exotic Car | $400 – $600 | $600 – $900 | $700 – $1,100 |
| Luxury Car | $300 – $450 | $450 – $700 | $500 – $800 |
| Classic Car | $100 – $150 | $150 – $220 | $170 – $260 |
| Vintage Car | $100 – $150 | $150 – $220 | $170 – $260 |
| Sports Car | $200 – $300 | $300 – $450 | $350 – $550 |
| Leased cars | $130 – $180 | $180 – $260 | $200 – $300 |
| 2 Door | $130 – $180 | $180 – $260 | $200 – $300 |
The average car insurance costs range in Vaughan, Ontario, for a driver profile of age 35, married, based on the driving history:
| Driving History | Monthly Cost (Liability only) (10% decrease) | Monthly Cost (Liability + Collision) (10% decrease) | Monthly Cost (Full coverage) (10% decrease) |
|---|---|---|---|
| Clean Record | $100 – $150 | $150 – $220 | $170 – $260 |
| 1 at-fault accident | $160 – $240 | $240 – $360 | $280 – $440 |
| 2 at-fault accidents | $200 – $300 | $300 – $450 | $350 – $550 |
| 1 non-fault accident | $120 – $180 | $180 – $270 | $210 – $320 |
| DUI conviction | $300 – $450 | $450 – $700 | $500 – $800 |
| 1 Speeding Ticket | $110 – $170 | $170 – $250 | $190 – $290 |
| 2 Speeding Tickets | $130 – $200 | $200 – $300 | $230 – $360 |
How Does Vaughan’s Average Car Insurance Cost Compare to Other Cities in Ontario?
Here are some examples of how Vaughan’s average car insurance cost compares to other cities in Ontario:
- Toronto: Toronto has one of the highest car insurance rates in Ontario, with an average annual premium of around $2,400.
- Mississauga: Mississauga’s car insurance rates are also higher than the provincial average, with an average annual premium of around $1,900.
- Brampton: Brampton has the highest car insurance rates in Ontario, with an average annual premium of around $2,600.
- Markham: Markham’s car insurance rates are similar to Vaughan’s, with an average annual premium of around $1,700.
- Ottawa: Ottawa has some of the lowest car insurance rates in Ontario, with an average annual premium of around $1,200.
Which Cars Have the Cheapest Car Insurance in Vaughan?
In general, the following car models have been associated with lower car insurance rates:
- Honda Civic: $2,143 – The Honda Civic has long been a popular choice for drivers in Vaughan and is often associated with lower insurance rates. This is due in part to the car’s reliable safety features and the relatively low cost of repair.
- Toyota Corolla: $2,101 – The Toyota Corolla is another popular choice for drivers in Vaughan, and is often associated with lower insurance rates. Like the Honda Civic, the Corolla has a reputation for being a reliable and safe vehicle.
- Mazda3: $2,110 – The Mazda3 is a compact car that is popular with drivers in Vaughan, and is often associated with lower insurance rates due to its fuel efficiency and affordable repair costs.
How to Get the Cheapest Car Insurance in Vaughan?
Here are some tips on how to get the cheapest car insurance in Vaughan:
- Shop Around: It’s important to shop around and compare car insurance quotes from multiple providers to get the best rate. Look for insurance providers that have experience in Vaughan and can provide coverage that meets your needs.
- Bundle Policies: Many insurance providers offer discounts if you bundle multiple policies, such as home and auto insurance, with the same company. This can help lower your overall insurance costs.
- Increase Your Deductible: A higher deductible means you will pay more out of pocket if you are in an accident, but it can also lower your monthly insurance premiums.
- Install Winter Tires: Vaughan experiences harsh winter weather, and many insurance providers offer discounts for drivers who install winter tires on their vehicles. This can help improve traction on icy roads and reduce the risk of accidents.
- Maintain a Good Driving Record: Drivers with a good driving record are often eligible for lower insurance rates. Be sure to follow traffic laws and avoid accidents and traffic violations to maintain a clean driving record.
- Take a Driver Training Course: Many insurance providers offer discounts to drivers who have completed an approved driver training course. Consider taking a course to improve your driving skills and lower your insurance costs.
- Choose a Reliable Vehicle: Insurance providers often consider the cost of repairs when setting insurance rates, so choosing a reliable vehicle with a good safety record can help lower your insurance costs.
Vaughan Car Insurance Facts
Here are some car insurance facts specific to Vaughan:
- Higher Insurance Rates: On average, car insurance rates in Vaughan are higher than the provincial average. This is due in part to factors such as high traffic volumes, a growing population, and harsh winter weather.
- Minimum Coverage Requirements: In Vaughan, all drivers are required to have a minimum amount of insurance coverage that includes third-party liability, accident benefits, and uninsured automobile coverage. It’s important to make sure you have at least the minimum amount of coverage required by law, and consider purchasing additional coverage as needed.
- Winter Tires Discount: Vaughan experiences harsh winter weather, and many insurance providers offer discounts for drivers who install winter tires on their vehicles. This can help improve traction on icy roads and reduce the risk of accidents.
- Insurance Fraud: Insurance fraud is a serious problem in Vaughan and can lead to higher insurance premiums for all drivers. Be aware of common fraud schemes, such as staged accidents, and report any suspicious activity to your insurance provider or the police.
- Local Insurance Providers: There are many insurance providers that operate in Vaughan, including both large national companies and smaller local providers. Consider working with a local insurance provider who has experience with the unique driving conditions in Vaughan and can provide personalized service to meet your needs.
- Traffic: Vaughan has a growing population, which means there is often heavy traffic on the roads. This can increase the risk of accidents, so it’s important to be aware of your surroundings and follow traffic laws to help prevent collisions.
- Demographics: The demographics of Vaughan can impact car insurance rates, with factors such as age, gender, and driving history influencing the cost of insurance. It’s important to shop around and compare quotes from multiple insurance providers to find the best rate for your individual circumstances.
List of Best Car Insurance Companies in Vaughan
Here is a list of some of the best car insurance companies in Vaughan based on their reputation, customer service, and coverage options:
- Allstate Insurance: Allstate Insurance is one of the largest insurance providers in Canada and has a strong reputation for customer service. They offer a wide range of coverage options, including liability, collision, and comprehensive coverage.
- Intact Insurance: Intact Insurance is a Canadian insurance provider that offers a variety of car insurance products, including liability, collision, and comprehensive coverage. They are known for their excellent customer service and have received high ratings from customers.
- Aviva Canada: Aviva Canada is another popular insurance provider in Vaughan, offering a variety of car insurance products to meet the needs of drivers. They have a reputation for excellent customer service and have received high ratings from customers.
- TD Insurance: TD Insurance is a popular insurance provider in Vaughan, offering a variety of car insurance products to meet the needs of drivers. They are known for their excellent customer service and have received high ratings from customers.
- RBC Insurance: RBC Insurance is a well-known insurance provider in Canada, offering a variety of car insurance products to meet the needs of drivers. They have a reputation for excellent customer service and have received high ratings from customers.
- Desjardins Insurance: Desjardins Insurance is a Canadian insurance provider that offers a variety of car insurance products, including liability, collision, and comprehensive coverage. They are known for their competitive rates and excellent customer service.
- Wawanesa Insurance: Wawanesa Insurance is a Canadian insurance provider that has been operating for over 100 years. They offer a variety of car insurance products, including liability, collision, and comprehensive coverage. They are known for their excellent customer service and have received high ratings from customers.
- Sonnet Insurance: Sonnet Insurance is a digital insurance provider that offers car insurance products exclusively online. They offer a variety of coverage options, including liability, collision, and comprehensive coverage. They are known for their competitive rates and ease of use.
- Johnson Insurance: Johnson Insurance is a Canadian insurance provider that offers a variety of car insurance products, including liability, collision, and comprehensive coverage. They are known for their excellent customer service and have received high ratings from customers.
- Belairdirect: Belairdirect is a Canadian insurance provider that offers a variety of car insurance products, including liability, collision, and comprehensive coverage. They are known for their competitive rates and have received high ratings from customers.
List of Best Car Insurance Brokers in Vaughan
Here is a list of some of the best independent car insurance brokers in Vaughan, along with brief company descriptions:
- King Heights Insurance: King Heights Insurance is a family-owned and operated insurance brokerage that has been serving Vaughan and the surrounding area since 2006. They specialize in auto insurance and offer a wide range of coverage options to meet the needs of drivers. They have received positive reviews for their personalized service and competitive rates.
- Kaycan Insurance: Kaycan Insurance is an independent insurance brokerage that has been serving Vaughan for over 25 years. They offer a variety of auto insurance products, including liability, collision, and comprehensive coverage. They are known for their excellent customer service and have received positive reviews from customers.
- ThinkInsure: ThinkInsure is an independent insurance brokerage that offers a variety of car insurance products to meet the needs of drivers in Vaughan. They are known for their competitive rates and excellent customer service, and have received positive reviews from customers.
- Navigators Insurance: Navigators Insurance is an independent insurance brokerage that has been serving Vaughan for over 25 years. They specialize in auto insurance and offer a variety of coverage options to meet the needs of drivers. They have received positive reviews for their personalized service and competitive rates.
- JD Smith Insurance: JD Smith Insurance is an independent insurance brokerage that has been serving Vaughan and the surrounding area for over 50 years. They offer a variety of auto insurance products, including liability, collision, and comprehensive coverage. They are known for their personalized service and have received positive reviews from customers.
- Next-Insurance: Next-Insurance is an independent insurance brokerage that offers a variety of car insurance products, including liability, collision, and comprehensive coverage. They have been serving the Vaughan community for over 25 years and have received positive reviews for their personalized service.
- InsureMeNow: InsureMeNow is an independent insurance brokerage that specializes in auto insurance. They offer a variety of coverage options to meet the needs of drivers in Vaughan and are known for their competitive rates and excellent customer service.
- Morison Insurance: Morison Insurance is an independent insurance brokerage that has been serving Vaughan and the surrounding area for over 80 years. They offer a wide range of auto insurance products and are known for their personalized service and competitive rates.
- PrimeService Insurance: PrimeService Insurance is an independent insurance brokerage that offers a variety of car insurance products, including liability, collision, and comprehensive coverage. They have been serving the Vaughan community for over 20 years and have received positive reviews for their personalized service.
- Aaxel Insurance Brokers: Aaxel Insurance Brokers is an independent insurance brokerage that offers a variety of auto insurance products to meet the needs of drivers in Vaughan. They are known for their competitive rates and excellent customer service, and have received positive reviews from customers.
Tips for Drivers in Vaughan
Here are some tips for drivers in Vaughan:
- Winter Driving: Vaughan experiences harsh winter weather, so it’s important to be prepared for driving in snow and ice. Install winter tires on your vehicle, and be sure to leave extra time for your commute during snowy or icy conditions.
- Traffic: Vaughan has a growing population, which means there is often heavy traffic on the roads. Be sure to plan your route ahead of time and allow extra time for your commute.
- Road Construction: Like many cities, Vaughan has ongoing road construction projects that can impact traffic flow. Be sure to check for updates on road closures and detours before heading out on the road.
- Pedestrian Safety: Be aware of pedestrians on the roads, particularly in areas with heavy foot traffic such as near shopping centres, schools, and parks. Always yield to pedestrians at crosswalks and be extra cautious in school zones.
- Insurance Coverage: Make sure you have the minimum amount of car insurance coverage required by law in Vaughan. Consider purchasing additional coverage as needed, and be sure to shop around and compare quotes from multiple insurance providers to get the best rate.
- Speed Limits: Obey posted speed limits, particularly in residential areas and school zones. Speeding can increase the risk of accidents and result in fines and demerit points on your driving record.
- Distracted Driving: Vaughan has laws in place to prohibit distracted driving, including using handheld devices while driving. Avoid distractions such as texting, eating, or applying makeup while behind the wheel, and be sure to focus on the road.
- Parking: Be sure to obey posted parking restrictions, particularly in areas with high traffic such as near shopping centres and major transit hubs. Illegally parked cars can be subject to fines or towing.
What are the Most Dangerous Intersections in Vaughan?
According to data from York Region, the following intersections in Vaughan had the highest number of collisions in 2020:
- Jane Street and Rutherford Road
- Highway 7 and Jane Street
- Dufferin Street and Steeles Avenue
- Weston Road and Highway 7
- Highway 7 and Pine Valley Drive
Total Reportable Collisions in Vaughan
According to data from the York Regional Police, the total number of reportable collisions in Vaughan from 2013 to 2021 are as follows:
- 2013: 5,474
- 2014: 5,806
- 2015: 5,714
- 2016: 5,772
- 2017: 5,532
- 2018: 5,250
- 2019: 5,368
- 2020: 4,587
- 2021 (data up to September): 3,492
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.
