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Written by Nolan Wilson Updated on June 12, 2025 min read

Burlington's best car insurance rates

Burlington is known for its beautiful waterfront along Lake Ontario, but also for traffic, collisions on the QEW, and, unfortunately, higher car insurance rates. So, keeping auto insurance rates down is a priority for Burlington residents.

At ThinkInsure, we are a great option for Burlington drivers to save on auto insurance without sacrificing coverage. Whether you want to shop for quotes, look for new ways to save, or ask questions about coverage, we can help.

With partnerships with the top insurance companies in Canada, we’re confident we can help drivers in Burlington find cheaper car insurance. Get started by comparing quotes online or speak with one of our advisors. We'll help you get personalized coverage designed just for you and help you search for Burlington's most affordable auto insurance rates.

Key takeaways about Burlington car insurance

Burlington car insurance premiums in 2025 are $1,761.
Rates have decreased by 1.2% for some drivers since last year.
Car insurance premiums in Burlington are more than $250 lower than the provincial average.

How to get car insurance quotes in Burlington

Getting a quote is quick and easy!

1) Get started

Enter some basic info to start.

2) Enter your information

Provide your driving and vehicle information.

3) Compare

Compare quotes and discounts.

Choose the best rate

Select the lowest rate and get insured.

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5 star car insurance in Burlington

Rated 4.7 out of 5 stars in 1507 Google reviews

See what our auto insurance customers are saying about us.

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Carla Keown

2025-05-04

Besty was incredibly kind and helpful during a stressful time. I had no idea that a handheld ticket would result in my insurance company dropping me. It was a year after the ticket that I was informed of this so I was shocked and stressed. Besty assured me that we had time to figure out a solution and she worked around my busy schedule to find me the best insurance products to suit my situation. Besty is a 10/10 recommend!!!

e t

2025-05-01

I cannot say enough great things about Todd A! From start to finish, he provided an exceptional customer experience that truly stood out. Not only was he incredibly knowledgeable and efficient, but his kindness and cheerful attitude made the process smooth and absolutely stress-free. What could have been overwhelming was instead seamless and easy, thanks to his reassuring guidance and expertise. He was always quick to respond, informative, and genuinely invested in ensuring I got the best coverage for my needs—all while making sure I felt comfortable and confident every step of the way. His level of professionalism and warmth turned what could have been a daunting task into an absolute pleasure. If you're looking for someone who goes above and beyond to provide top-tier customer service, look no further than Todd A at ThinkInsure. Thank you for making this experience effortless and enjoyable, you made this all happen for me!

Carl Cronkhite

2025-04-24

I highly recommend ThinkInsure when looking for Insurance, Betsy Bannon was a huge help! As a high risk driver it was very difficult to find a premium i could afford and only had a few weeks to do so. I contacted ThinkInsure and Betsy was able to explain everything and find me a great policy right away. Thank you Betsy!

Keira Busby

2025-04-17

very friendly and willing to help anyway they can! great experience all way round.

Dharma Buyse

2025-04-17

Betsy Bannon was so helpful! I was insuring my new truck with my first personal policy and after one broker went mia on my calls she picked up, although from commercial department, and still handled everything for me within 24 hours! Also she pointed out that previously the drivers history was forgotten about in the prior list of documents that was requested from me. Definitely knows exactly what she’s doing and works great winging it in a different department than her specialty! I’m a high risk driver for one more year, unfortunately (did not follow cops advisory to fight distracted ticket while checking directions at a red) but she found the best quote for me, and revised this last minuite to find one that further accepted my 8year claim free policy on a commercial registered insurance. She was friendly, prompt to reply, patient, personable, and very knowledgeable. Finding insurance with one more year of this record has been discouraging as a now overly cautious driver, but she made it as seamless as possible

Quentin Chiotti

2025-04-16

Fast, seamless, and efficient. Betsy Bannon was great to work with. Thanks ThinkInsure.

Csaba Deac

2025-04-11

Special Thanks to Betsy Bannon. If you need business insurance , highly recommend her

Kelly Bouchard

2025-04-10

Sohel is amazing!! He responded so quickly and went out of his way to accommodate me. There were a few things I didn’t quite understand and he took the time to explain and reassure me that everything was properly covered. His follow up is so good! I highly recommend his service and expertise. He does all the research and comparisons for you to save you a lot of money! I can’t believe how much I was overpaying with my long time providers. Thanks Sohel!!

Mandatory and optional car insurance in Burlington

Car insurance in Burlington works the same as anywhere else in the province. To drive, all drivers must have minimum mandatory auto insurance in Ontario . You need to carry at least $200,000 in third-party liability.

Statutory accident benefits and uninsured automobile coverage are also included. Direct compensation property damage (DCPD) is no longer mandatory as of January 1, 2024.

Most drivers have more than the minimum to ensure they have adequate protection. You can also enhance your policy by adding optional coverage and endorsements.

Mandatory coverage in Burlington

Third-party liability: Protection from legal liability resulting from at-fault collisions.
Statutory accident benefits: Medical coverage and care if you are injured in an accident.
Uninsured automobile: Protection if you are hit by an uninsured driver or the victim of a hit-and-run.

Optional coverage to enhance your protection

Collision insurance: Coverage for accident-related damage. This includes accidents with objects, such as a tree.
Comprehensive insurance: Coverage for non-accident damage, such as theft, vandalism, etc.
All perils: Protection for all risks unless they are not included in your policy.
Specified perils: You have coverage for the perils (risks) listed in your policy.

You can also add a variety of Insurance endorsements to personalize your policy further. The types of optional coverage available will depend on your insurance company. Speak with our brokers about your coverage options.

How much does car insurance cost in Burlington?

Drivers in Burlington live in a region where they pay just under the provincial average for car insurance. You can expect to pay about $1,761 per year for coverage, which is above the national average ($1,308) but below the provincial average ($2,006).

Here’s a breakdown of how much you can expect to pay:

Annually: $1,761
Semi-annually: $880.50
Quarterly: $440.25
Monthly: $146.75
Weekly: $33.87
Daily: $4.82

Rates are based on ThinkInsure customer quote data for Q1 2025 (Jan 1 to March 15, 2025)

Burlington auto insurance premium map

Average Burlington car insurance rate compared to other Ontario cities info graphic

Sources: *
FSRAO

Burlington car insurance rates from 2019-2025

Premiums are increasing in Burlington, like many other cities in the province. The ever-changing nature of insurance rates means they are subject to frequent adjustments, based on insurers' data analysis regarding claims, repair costs, accidents, and various other factors. Furthermore, your driving record and potential qualification for supplementary discounts can impact these rate variations. See how rates have changed over the past few years:

Year	Average annual premium
2025	$1,761
2024	$1,783
2023	$1,647
2022	$1,826
2021	$1,765
2020	$1,880
2019	$1,749
Average rate (2019-25)	$1,773

ThinkInsure Tip : Don’t let your policy renew automatically

It's convenient to let your car insurance policy renew automatically, but this could mean missing out on potential savings. Each year, take the opportunity to shop around and compare your options to ensure you're getting the best rate. Don't leave money on the table. Actively review your coverage instead of simply allowing it to renew.

Latest Burlington auto insurance quotes

2025/06/07

Auto insurance shopper in BURLINGTON, ON
Vehicle: HONDA CIVIC GX 4DR 2008
Aviva Journey	$736
Aviva	$815
CAA My Pace	$879
Pembridge	$1,176
Savings from top 4 cheapest quotes	$440

2025/06/06

Auto insurance shopper in BURLINGTON, ON
Vehicle: AUDI R8 PERFORMANCE 5.2 QUATTRO 2DR COUPE 2023
SGI Canada	$1,857
CAA My Pace	$2,113
CAA Connect	$3,337
CAA	$3,513
Savings from top 4 cheapest quotes	$1,656

2025/06/04

Auto insurance shopper in BURLINGTON, ON
Vehicle: FORD ESCAPE TITANIUM 2.0T 4DR AWD 2021
Pembridge	$1,343
Aviva Journey	$1,368
CAA Connect	$1,402
CAA My Pace	$1,438
Savings from top 4 cheapest quotes	$95

2025/06/02

Auto insurance shopper in BURLINGTON, ON
Vehicle: LEXUS NX300 4DR 2WD 2020
CAA Connect	$1,764
Aviva Journey	$1,775
Travelers	$1,804
CAA My Pace	$1,808
Savings from top 4 cheapest quotes	$44

Burlington auto insurance premiums by driver type

Your driver profile influences your auto insurance payments. Elements like age, demographics, driver classification, and driving record factor into insurance companies' calculation of your premiums. We analyzed our customer quote data to understand how these factors impact your payments. Here is what we found about how much drivers in Burlington pay for insurance:

	Premium	Monthly	Difference
Driver type
All drivers	$1,761	$147	0
Young drivers (25 and under)	$2,710	$226	53.89%
Middle age (25 - 50)	$2,046	$171	16.18%
Mature/senior drivers (50+)	$1,349	$112	-23.40%
High risk drivers	$6,969	$581	295.74%
Demographics
Male	$2,010	$168	14.14%
Female	$1,819	$152	3.29%
Married	$1,657	$138	-5.91%
Single	$1,967	$164	11.70%
Driving record
Clean driving record	$1,761	$147	0
1 ticket within the past 3 years	$2,103	$175	19.42%
1 accident in 3 years	$2,571	$214	46.00%
1 cancellation in 3 years	$2,598	$217	47.53%
1 suspension in 3 years	$2,100	$175	19.25%

***

Auto insurance rates in Burlington compared to local cities nearby

How does Burlington stack up against similar cities in the Golden Horseshoe and Niagara region? Pretty well, actually. Rates are lower than in many cities. See how they compare:

City	Avg premium
Hamilton	$2,239
Milton	$2,223
Oakville	$1,945
Burlington	$1,761
Brantford	$1,899
St. Catharines	$1,829
Grimsby	$1,640

***

What areas in Burlington have the cheapest car insurance?

Your insurance rates can be influenced by the area of residence within a city. In Burlington, the difference between postal codes could lead to a difference of about $400 or more. This is an important aspect to consider if you are contemplating a move. See the difference by postal code in Burlington below:

Area in City of Burlington	Postal Codes	Avg Premium
La Salle, Indian Point, Bayview, Aldershot	L7S, L7T	$2,087
Port Nelson, Dynes, Roseland, Glenwood Park, Clarksdale, Mountain Gardens	L7R, L7P, L7N	$2,122
Northeast Burlington	L7L	$1,670
North Burlington	L7M	$1,872

***

Why compare car insurance quotes in Burlington?

While you can approach shopping in many ways, the most effective way is to get auto insurance quotes from multiple companies at once to find the lowest rate. This can be done online or by calling a ThinkInsure advisor. Here are some reasons to compare:

Simplifies the search for lower rates.
Saves you time.
Allows you to compare quotes with multiple insurers.
It can be done anytime and anywhere.

Plus, our experienced experts are here to guide you through the process. You can contact us at any point with your questions and concerns, and we will be happy to bring clarity and ensure you are making the best decision possible.

Expert car insurance advice

Take advantage of available discounts to save money on car insurance. Consider bundling your auto and home insurance policies for potential savings. Insuring multiple vehicles are covered by the same policy can reduce your premium. Maintaining a good driving record without accidents or tickets is essential for safe driver discounts. We offer several ways to help drivers save.

Neel Khan

Insurance Broker (RIBO)

Ready to save on your Burlington auto policy?

Monday-Friday: 8am-6pm
Saturday: 9am-5pm

Auto insurance for all types of Burlington drivers

No two drivers are the same. At any given time, the roads have drivers of varying degrees of experience. Some are new drivers, many are young drivers, seniors, professional drivers, and even some not-so-good drivers. We provide coverage for all types of drivers.

We also offer several ways for you to save:

Getting usage-based insurance can save you up to 20%.
When you bundle home and auto insurance you can save up to 25%.
Check out all the insurance discounts that are available from our insurers.
Use our car insurance calculator to find the best rate.

About Burlington and auto insurance

Burlington is a busy city. Significant traffic passes through the area on the QEW daily. Commercial traffic, commuters, and vehicles come from the U.S. border crossings in New York state. This high traffic volume increases the threat of collisions, which can increase your car insurance rates.

Here are things to know about the city and driving in the area:

Highways

QEW
Highway 403
Highway 407 ETR

Public transit

Burlington Transit
GO Transit

Nearby border crossings

Niagara Falls International Rainbow Bridge
Lewiston-Queenston Bridge
Peace Bridge
Whirlpool Rapids Bridge (NEXUS users)

Ride-sharing

Uber
Lyft

Top attractions

Burlington Waterfront Trail
Mount Nemo Conversation Area
Royal Botanical Gardens
Spencer Smith Park

Road trips

Niagara Falls
Elora
Buffalo, New York
Niagara-On-The-Lake

Parking

City of Burlington

Airports

Burlington Executive
Airpark Airport

Worst intersections

Appleby Line and Dundas
Appleby Line and Upper Middle Road
Guelph Line at Harvester
Guelph Line and Fairview

What are the driving conditions in Burlington?

Being along the water, Burlington gets its fair share of precipitation. It is known to rain frequently in the area. Expect slick conditions.

27 mins

Avg. daily commute time

711 mm

Avg. annual rainfall

463 mm

Avg. annual snowfall

175

Rainy days per year

Snow days per year

Why are Burlington car insurance premiums lower than average?

Traffic and road safety statistics play an important part in why car insurance in Burlington is lower than the provincial average and more affordable than most other cities in the Niagara region.

More than 195,000 people call Burlington home. While this may seem like a location where traffic won’t be an issue, this isn’t the case. Due to its proximity to Hamilton, Niagara Falls, the GTA, and the U.S. border, many of the busiest highways in the province run through the city. This includes the QEW, Highway 403, and Highway 407.

More than 80% of commuters drive, with the remaining taking public transportation or other means. More than 56,000 daily commuters in Burlington, according to Statistics Canada.
Auto theft is an issue. But, auto thefts were down for the first time in five years, dropping by 3.3%, as reported by Burlington Today. There were 297 thefts reported between April 1 and September 30, 2024.
Even though the city has the second-highest number of collisions in the Halton Region, the number is still much lower than in other cities. In 2024, Burlington had 919 collisions, one fatality, and 110 non-fatal injuries.
The City of Burlington provides some insight into the traffic situation in the region. On average, 260,670 trips via car start or end in Burlington on a typical weekday. Halton Region is growing at a rate that is twice as fast as Burlington and is expected to grow by 50% from 2011 to 2031.

Driving tips in Burlington

Here are some tips to help you avoid traffic and drive more safely in the area:

Carpool to reduce the number of vehicles on the road.
Watch out for drivers from the U.S. who may not be familiar with Canadian driving laws.
Avoid driving on major highways during peak hours.
Plan alternative routes to the Skyway Bridge to avoid traffic congestion.
Before jumping on the highway, check burlingtontraffic.ca to check traffic volume and plan your route.

Burlington car insurance FAQs

What factors do insurers use to determine Burlington car insurance rates?

Insurers consider dozens of factors to determine car insurance rates in Burlington. While they use common information such as your vehicle type, insurance, driving history, age, gender, and location, no two insurers use the same formula to determine rates. Therefore, it is important to compare quotes from multiple companies to find the cheapest price.

What information do I need to get a car insurance quote in Burlington?

The information you use to compare quotes will have a big impact on their accuracy. To get an accurate car insurance quote in Burlington, you will need your contact information, driver’s license, vehicle information, driving history, and an idea of your coverage needs. Use this information to answer the questions that are part of the quoting process.

Is my Burlington auto insurance valid if I drive in New York State and the U.S.?

Your auto insurance policy likely covers you when you cross over from Burlington to drive in the United States. However, it's best to check your policy details or call your insurer to be sure how your coverage works in the U.S. and other parts of Canada.

Does a Nexus pass impact my car insurance premiums?

A Nexus card has no impact on your car insurance premiums. It will not cost you or save you any money. It’s not something insurers take into consideration.

Start saving on Burlington car insurance

Quickly compare quotes from the leading providers and get insured with ThinkInsure. Saving on Burlington car insurance is easier than you think. Simply start a quote online or give us a call to explore your savings options.

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Sources

* Based on the difference between the average lowest premium and the overall average premium in Burlington for estimates completed from January 1 to March 31, 2025, for drivers with a clean driving record.

** Estimated prices are based on data entered by drivers from 2019-2025 with a clean driving record living in Burlington on ThinkInsure.ca.

*** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from January 1, 2025, to March 31, 2025.

Nolan Wilson

Content Marketing Manager

Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.

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