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Things to Know Before Getting Whitby Car Insurance
Here are some things to know before getting car insurance in Whitby:
- Ontario’s car insurance system: Ontario has a publicly-run car insurance system, which means that all drivers are required to carry a minimum amount of insurance coverage. The minimum requirements include third-party liability coverage, accident benefits coverage, and uninsured motorist coverage. Beyond these minimum requirements, drivers can choose to add additional coverage options to their policy.
- Factors that affect car insurance rates: Car insurance rates in Whitby are affected by a variety of factors, including your driving record, the type of vehicle you drive, your age and gender, your location, and the coverage options you choose. To get the best rates, it’s important to shop around and compare rates from different providers.
- Discounts and savings: Many car insurance providers offer discounts and savings opportunities to drivers, such as discounts for safe driving, good student discounts, and bundling discounts for combining multiple insurance policies with the same provider.
- Winter driving conditions: Like much of Ontario, Whitby experiences cold and snowy winters, which can create hazardous driving conditions. To stay safe on the road during the winter months, it’s important to use winter tires, drive more slowly, and allow for extra time to get to your destination.
- Driving laws and regulations: As with any city, there are specific driving laws and regulations that apply in Whitby. These include rules around speed limits, distracted driving, and using seatbelts. It’s important to be aware of these laws and regulations to avoid fines and stay safe on the road.
- Local car insurance brokers: If you prefer to work with a local car insurance broker, there are several options in Whitby. These brokers can help you find the best rates and coverage options for your specific needs.
What is the Average Car Insurance Cost in Whitby
According to the report, the average cost of car insurance in Whitby is around $1,495 per year.
Here’s a table showing the average car insurance costs range in Whitby for different driver profiles:
| Driver Profile | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| G1 Driver | $120 – $240 | $165 – $325 | $210 – $420 |
| G2 Driver | $95 – $190 | $130 – $255 | $165 – $330 |
| Full G | $70 – $140 | $95 – $185 | $120 – $240 |
| Teenage Driver | $240 – $480 | $330 – $660 | $420 – $840 |
| Young Driver | $200 – $400 | $280 – $560 | $360 – $720 |
| High-risk Driver | $400 – $800 | $560 – $1120 | $720 – $1440 |
| Occasional Driver | $70 – $140 | $95 – $185 | $120 – $240 |
| Pleasure Driver | $70 – $140 | $95 – $185 | $120 – $240 |
| Commuting Driver | $95 – $190 | $130 – $255 | $165 – $330 |
| Good Driver | $70 – $140 | $95 – $185 | $120 – $240 |
| Bad Driver | $400 – $800 | $560 – $1120 | $720 – $1440 |
| New Driver | $120 – $240 | $165 – $325 | $210 – $420 |
| Secondary Driver | $70 – $140 | $95 – $185 | $120 – $240 |
| 17 Years Old | $240 – $480 | $330 – $660 | $420 – $840 |
| Seniors | $70 – $140 | $95 – $185 | $120 – $240 |
| Over 55 Years Old | $70 – $140 | $95 – $185 | $120 – $240 |
| Students | $95 – $190 | $130 – $255 | $165 – $330 |
| International Driver | $120 – $240 | $165 – $325 | $210 – $420 |
| Newcomers | $120 – $240 | $165 – $325 | $210 – $420 |
| Men Driver | $95 – $190 | $130 – $255 | $165 – $330 |
| Women Driver | $70 – $140 | $95 – $185 | $120 – $240 |
| Married Couples | $70 – $140 | $95 – $185 | $120 – $240 |
| Usage-Based | $70 – $140 | $95 – $185 | $120 – $240 |
| Uber/Lyft | $120 – $240 | $165 – $325 | $210 – $420 |
| Personal Use | $70 – $140 | $95 – $185 | $120 – $240 |
Here’s a table showing the estimated monthly car insurance costs range for different types of cars in Whitby:
| Car Type | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| Sedan | $70 – $140 | $95 – $185 | $120 – $240 |
| Convertible | $95 – $190 | $130 – $255 | $165 – $330 |
| Hatchback | $70 – $140 | $95 – $185 | $120 – $240 |
| Wagon | $70 – $140 | $95 – $185 | $120 – $240 |
| Coupe | $95 – $190 | $130 – $255 | $165 – $330 |
| SUV | $95 – $190 | $130 – $255 | $165 – $330 |
| Truck | $95 – $190 | $130 – $255 | $165 – $330 |
| Minivans | $95 – $190 | $130 – $255 | $165 – $330 |
| Van | $95 – $190 | $130 – $255 | $165 – $330 |
| Electric Car | $95 – $190 | $130 – $255 | $165 – $330 |
| Hybrid Car | $95 – $190 | $130 – $255 | $165 – $330 |
| Multi Car | $120 – $240 | $165 – $325 | $210 – $420 |
| Exotic Car | $400 – $800 | $560 – $1120 | $720 – $1440 |
| Luxury Car | $400 – $800 | $560 – $1120 | $720 – $1440 |
| Classic Car | $400 – $800 | $560 – $1120 | $720 – $1440 |
| Vintage car | $400 – $800 | $560 – $1120 | $720 – $1440 |
| Sports Car | $240 – $480 | $330 – $660 | $420 – $840 |
| Leased cars | $95 – $190 | $130 – $255 | $165 – $330 |
| 2 Door | $95 – $190 | $130 – $255 | $165 – $330 |
Here’s a table showing the average car insurance costs range in Whitby based on the driving history:
| Driving History | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| 1 one at-fault accident | $200 – $400 | $280 – $560 | $360 – $720 |
| 2 one at-fault accidents | $400 – $800 | $560 – $1120 | $720 – $1440 |
| 1 non-fault accident | $70 – $140 | $95 – $185 | $120 – $240 |
| DUI conviction | $400 – $800 | $560 – $1120 | $720 – $1440 |
| 1 Speeding Ticket | $95 – $190 | $130 – $255 | $165 – $330 |
| 2 Speeding Tickets | $200 – $400 | $280 – $560 | $360 – $720 |
How Does Whitby’s Average Car Insurance Cost Compare to Other Cities?
The average cost of car insurance in Whitby is relatively low compared to other cities in Ontario. Here are some examples of how Whitby’s average car insurance rates compare to those of other cities in the province:
- Toronto: $2,182 per year
- Brampton: $2,701 per year
- Mississauga: $2,198 per year
- Hamilton: $1,523 per year
- Ottawa: $1,287 per year
- Kingston: $1,188 per year
Which Cars Have the Cheapest Car Insurance in Whitby?
Here are some examples of cars that may have lower insurance rates in Whitby:
- Honda Civic: The Honda Civic is a popular compact car with a reputation for reliability and safety. The average cost of car insurance for a Honda Civic in Whitby is around $1,283 per year.
- Toyota Corolla: Like the Honda Civic, the Toyota Corolla is a reliable and safe compact car that is a popular choice among drivers in Whitby. The average cost of car insurance for a Toyota Corolla in Whitby is around $1,245 per year.
- Mazda3: The Mazda3 is another popular compact car that is known for its sporty handling and fuel efficiency. The average cost of car insurance for a Mazda3 in Whitby is around $1,329 per year.
- Ford Escape: The Ford Escape is a compact SUV that is popular among families and outdoor enthusiasts. The average cost of car insurance for a Ford Escape in Whitby is around $1,348 per year.
- Hyundai Elantra: The Hyundai Elantra is a compact car that is known for its value and affordability. The average cost of car insurance for a Hyundai Elantra in Whitby is around $1,241 per year.
How to Get the Cheapest Car Insurance in Whitby?
Here are some tips for getting the cheapest car insurance in Whitby:
- Compare rates from multiple providers: One of the most effective ways to get the cheapest car insurance in Whitby is to shop around and compare rates from different providers. This will help you find the best coverage options and rates for your specific needs.
- Consider increasing your deductible: By increasing your deductible – the amount you pay out of pocket before your insurance coverage kicks in – you can often lower your monthly or annual premiums.
- Look for discounts: Many car insurance providers offer discounts and savings opportunities for drivers, such as safe driver discounts, good student discounts, and bundling discounts for combining multiple insurance policies.
- Choose a car with lower insurance rates: As mentioned, the type of car you drive can have a big impact on your insurance rates. Choosing a car with a good safety record and a low theft rate can help you get lower insurance rates.
- Improve your credit score: Your credit score can also affect your car insurance rates. By maintaining a good credit score, you can often get lower insurance rates.
- Drive safely and maintain a good driving record: By driving safely and avoiding accidents and traffic violations, you can often qualify for lower insurance rates over time.
- Work with a local insurance broker: A local insurance broker in Whitby can help you find the best rates and coverage options for your specific needs, and can often provide personalized advice and support.
Whitby Car Insurance Facts
Here are some Whitby-specific car insurance facts to keep in mind:
- Insurance rates in Whitby are generally lower than in some other cities in the Greater Toronto Area, such as Toronto and Brampton. However, individual rates can vary widely depending on a variety of factors, including the type of car you drive, your driving record, and the coverage options you choose.
- Like all drivers in Ontario, Whitby drivers are required to carry a minimum amount of car insurance coverage. This includes third-party liability coverage, accident benefits coverage, and uninsured motorist coverage. Additional coverage options are available for drivers who want more protection.
- The city of Whitby experiences cold and snowy winters, which can create hazardous driving conditions. To stay safe on the road during the winter months, it’s important to use winter tires, drive more slowly, and allow for extra time to get to your destination.
- The Whitby area is served by a number of local car insurance brokers, as well as major insurance providers such as Aviva, Allstate, and Belairdirect. Working with a local broker can help you find the best rates and coverage options for your specific needs.
- In Ontario, car insurance rates are regulated by the Financial Services Regulatory Authority of Ontario (FSRA). The FSRA sets limits on the amount of premiums that insurance providers can charge, and also reviews and approves insurance policies and rate changes.
Top 10 List of Best Car Insurance Companies in Whitby
Here are some of the best car insurance companies in Whitby, along with their company descriptions, reviews, and star ratings:
- State Farm Insurance: State Farm is a major provider of car insurance coverage in Canada, with a focus on personalized service and competitive rates. Customers generally rate State Farm highly for its friendly and helpful agents, as well as its comprehensive coverage options. Star rating: 4.5/5.
- Allstate Insurance: Allstate is another popular provider of car insurance coverage in Whitby, known for its focus on customer satisfaction and competitive rates. Customers generally rate Allstate highly for its helpful and knowledgeable agents, as well as its range of coverage options. Star rating: 4.5/5.
- Aviva Canada: Aviva is a major provider of car insurance coverage in Ontario and across Canada, with a focus on personalized service and competitive rates. Customers generally rate Aviva highly for its knowledgeable and responsive agents, as well as its flexible coverage options. Star rating: 4.0/5.
- Intact Insurance: Intact is a leading provider of car insurance coverage in Canada, known for its comprehensive coverage options and competitive rates. Customers generally rate Intact highly for its quick and efficient claims handling, as well as its helpful and responsive customer service. Star rating: 4.0/5.
- Belairdirect: Belairdirect is a popular provider of car insurance coverage in Whitby, known for its flexible coverage options and competitive rates. Customers generally rate Belairdirect highly for its easy-to-use online tools and responsive customer service. Star rating: 4.0/5.
- The Co-operators: The Co-operators is a well-established provider of car insurance coverage in Canada, with a focus on personalized service and community involvement. Customers generally rate The Co-operators highly for its friendly and knowledgeable agents, as well as its flexible coverage options. Star rating: 4.0/5.
- TD Insurance: TD Insurance is a major provider of car insurance coverage in Canada, known for its competitive rates and comprehensive coverage options. Customers generally rate TD Insurance highly for its easy-to-use online tools and responsive customer service. Star rating: 3.5/5.
- RBC Insurance: RBC Insurance is a major provider of car insurance coverage in Canada, with a focus on personalized service and competitive rates. Customers generally rate RBC Insurance highly for its easy-to-use online tools and efficient claims handling. Star rating: 3.5/5.
- Desjardins Insurance: Desjardins is a leading provider of car insurance coverage in Canada, known for its comprehensive coverage options and competitive rates. Customers generally rate Desjardins highly for its knowledgeable and helpful agents, as well as its quick and efficient claims handling. Star rating: 3.5/5.
- CAA Insurance: CAA is a well-known provider of car insurance coverage in Ontario and across Canada, with a focus on personalized service and competitive rates. Customers generally rate CAA highly for its reliable roadside assistance, as well as its flexible coverage options. Star rating: 3.0/5.
Top 10 List of Best Car Insurance Brokers in Whitby
Here are some of the best independent car insurance brokers in Whitby, along with their company descriptions, reviews, and star ratings:
- Youngs Insurance Brokers: Youngs Insurance Brokers is a family-owned and operated business that has been providing insurance services to the Whitby area for over 100 years. Customers generally rate Youngs highly for its personalized service and competitive rates. Star rating: 4.8/5.
- Archway Insurance Brokers: Archway Insurance Brokers is an independent insurance brokerage that has been serving the Whitby area since 1989. Customers generally rate Archway highly for its knowledgeable and friendly agents, as well as its range of insurance products. Star rating: 4.7/5.
- PBL Insurance Limited: PBL Insurance is an independent brokerage that has been providing insurance services to the Whitby area since 1999. Customers generally rate PBL highly for its personalized service and competitive rates. Star rating: 4.5/5.
- Duliban Insurance Brokers: Duliban Insurance Brokers is an independent brokerage that serves the Whitby area, as well as other communities in Ontario. Customers generally rate Duliban highly for its knowledgeable agents and comprehensive insurance products. Star rating: 4.2/5.
- McDougall Insurance Brokers: McDougall Insurance Brokers is an independent brokerage that has been providing insurance services in the Whitby area since 1946. Customers generally rate McDougall highly for its personalized service and competitive rates. Star rating: 4.0/5.
- BrokerLink: BrokerLink is a large independent insurance brokerage that serves the Whitby area, as well as other communities across Canada. Customers generally rate BrokerLink highly for its personalized service and comprehensive insurance products. Star rating: 4.2/5.
- Humberview Insurance Brokers: Humberview Insurance Brokers is an independent brokerage that has been providing insurance services to the Whitby area since 1973. Customers generally rate Humberview highly for its knowledgeable agents and competitive rates. Star rating: 4.0/5.
- Sound Insurance Services: Sound Insurance Services is an independent insurance brokerage that serves the Whitby area, as well as other communities in Ontario. Customers generally rate Sound highly for its personalized service and comprehensive insurance products. Star rating: 4.0/5.
- Bradley’s Insurance: Bradley’s Insurance is an independent brokerage that has been serving the Whitby area since 1986. Customers generally rate Bradley’s highly for its personalized service and competitive rates. Star rating: 3.7/5.
- Oracle RMS Insurance Brokers: Oracle RMS Insurance Brokers is an independent brokerage that serves the Whitby area, as well as other communities in Ontario. Customers generally rate Oracle RMS highly for its knowledgeable agents and comprehensive insurance products. Star rating: 3.5/5.
Here are some tips for drivers in Whitby that are specific to the area:
- Be aware of traffic during peak hours: Like many cities, Whitby experiences heavy traffic during rush hour, especially on the 401 and Highway 2. Plan your route and schedule your trips to avoid getting stuck in traffic.
- Watch out for pedestrians: Whitby has many busy intersections, and drivers need to be aware of pedestrians crossing the road. Be prepared to stop at crosswalks and always obey traffic signals.
- Drive cautiously in bad weather: During the winter months, Whitby can experience heavy snow and ice on the roads, making driving conditions hazardous. Drive cautiously and slowly to avoid skidding or losing control of your vehicle.
- Observe the speed limits: Whitby has a number of different speed limits, depending on the road and the area. Always obey the posted speed limits to ensure your safety and avoid getting a ticket.
- Be mindful of school zones: There are many schools in Whitby, and drivers need to be extra careful when driving through school zones. Observe the reduced speed limits and watch out for children crossing the road.
What are the Most Dangerous Intersections in Whitby?
According to the Durham Regional Police, some of the most dangerous intersections in Whitby, based on the number of collisions reported, are:
- Taunton Road East and Garden Street: This intersection saw 68 collisions reported between 2016 and 2020.
- Thickson Road and Rossland Road East: This intersection saw 63 collisions reported between 2016 and 2020.
- Consumers Drive and Thickson Road: This intersection saw 52 collisions reported between 2016 and 2020.
- Rossland Road West and Brock Street South: This intersection saw 41 collisions reported between 2016 and 2020.
- Taunton Road West and Brock Street North: This intersection saw 40 collisions reported between 2016 and 2020.
- Dundas Street East and Anderson Street: This intersection saw 36 collisions reported between 2016 and 2020.
- Dundas Street West and Hopkins Street: This intersection saw 34 collisions reported between 2016 and 2020.
- Taunton Road East and Brock Street North: This intersection saw 33 collisions reported between 2016 and 2020.
- Thickson Road and Champlain Avenue: This intersection saw 32 collisions reported between 2016 and 2020.
- Brock Street South and Victoria Street West: This intersection saw 31 collisions reported between 2016 and 2020.
Total Reportable Collisions in Whitby
According to data from the Durham Regional Police, there were a total of 8,947 reportable collisions in Whitby between 2013 and 2021. Here is a breakdown of the number of collisions by year:
- 2013: 1,079
- 2014: 1,015
- 2015: 1,086
- 2016: 1,173
- 2017: 1,267
- 2018: 1,236
- 2019: 1,146
- 2020: 791
- 2021 (January – August): 1540
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.
