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 $1,450 per year for coverage. This is above the national average, but below the provincial average. See how rates stack up to other cities below:
![Average Burlington car insurance rate compared to other Ontario cities info graphic]()
![Average Burlington car insurance rate compared to other Ontario cities info graphic]()
2020 data from the Insurance Bureau of Canada
Burlington car insurance rates from 2019-2023
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' analysis of data
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 |
| 2023 |
$1,901 |
| 2022 |
$1,826 |
| 2021 |
$1,765 |
| 2020 |
$1,880 |
| 2019 |
$1,749 |
| Average rate (2019-23) |
$1,824 |
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Burlington auto insurance premiums by driver type
Your auto insurance payments are influenced by your driver characteristics. Elements like age,
demographics, driver classification, and driving record factor into the calculation of your premiums by
insurance companies. To understand how these factors impact your payments, we analyzed our
customer quote data. Here is what we found about how much drivers in Burlington pay for insurance:
| |
Premium |
Monthly |
Difference |
| Driver type |
| All drivers |
$1,945 |
$162 |
0 |
| Young drivers (25 and under) |
$2,710 |
$226 |
39.33% |
| Middle age (25 - 50) |
$2,046 |
$171 |
5.19% |
| Mature/senior drivers (50+) |
$1,322 |
$110 |
-32.03% |
| High risk drivers |
$5,277 |
$440 |
171.31% |
| Demographics |
| Male |
$2,010 |
$168 |
3.34% |
| Female |
$1,819 |
$152 |
-6.48% |
| Married |
$1,760 |
$147 |
-9.51% |
| Single |
$2,103 |
$175 |
8.12% |
| Driving record |
| Clean driving record |
$1,945 |
$162 |
0 |
| 1 ticket with past 3 years |
$2,103 |
$175 |
8.12% |
| 1 accident in 3 years |
$2,571 |
$214 |
32.19% |
| 1 cancellation in 3 years |
$2,598 |
$217 |
33.57% |
| 1 suspension in 3 years |
$2,100 |
$175 |
7.97% |
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Auto insurance rates in Burlington compared to local cities nearby
How does Burlington stack up against similar cities? Pretty well actually. Rates are in the middle of the pack. See how they compare:
| City |
Avg premium |
| Hamilton |
$2,291 |
| Milton |
$2,184 |
| Oakville |
$2,106 |
| Burlington |
$2,002 |
| Brantford |
$1,784 |
| St. Catharines |
$1,734 |
| Grimsby |
$1,406 |
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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. If you are contemplating a move, this is an important aspect to consider. 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 |
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