Written by
Nolan Wilson
Updated on June 12, 2025
min read
Get the best car insurance in Oshawa
Oshawa is a commuter town, so having good car insurance is essential. Living away from the congested downtown traffic is appealing to the more than 175,000 residents who call the area home. People also enjoy Oshawa's lower auto insurance rates in the GTA.
With ThinkInsure, it's easy to compare quotes from the top insurance companies in Canada. We'll shop for the cheapest car insurance quotes and coverage in Oshawa. Find out how much you can save by comparing quotes online or by calling us. We help Oshawa drivers get personalized auto insurance and save more with our great rates.
Key takeaways about car insurance in Oshawa
Oshawa car insurance premiums in 2025 are $2,335.
Oshawa premiums are higher than the provincial average, but more affordable than many cities in the GTA.
East Oshawa (L1K) typically has the lowest auto insurance premiums in the city.
Dylan Smith was a fantastic rep! Enjoyed our conversations and he was incredibly helpful and quick to get my policy replaced with a new one. Thank you.
KCAP KCAP
2026-05-07
Big shout out to Darryl for helping me out and turning a sour experience to a splendid one
Shubham left me in the wind for a couple days even after I had a his team member reach out to him and left a voicemail . Called back the next day and Darrly handle everything on the spot so thank you Darryl
Zhiqing Xu
2026-04-30
Had a great experience with Sohel Rahman. The whole process is easy and clear without any unnecessary back and forth. Got the insurance exactly as I wanted in 1 day. Highly recommended!
Chris Arsenault
2026-04-21
Great experience with Todd Allen at ThinkInsure. Very professional and helpful. Thanks Todd!
Russell Turner
2026-04-21
Gabe was great and looked after my issue
Sandy Kerr
2026-04-19
I would like to recognize our Broker, Jeff Plesman to thank him for always providing us with outstanding and professional customer service. Thank you so much Jeff, we appreciate you. ;-)
Tony Sturino
2026-04-17
Gabe, as usual takes care of my demanding insurance issues, very
professional, I like the way he calls to update me on any new features Thanks again
Anna Kacina
2026-04-16
Excellent service, great price
How does Oshawa car insurance work?
Oshawa car insurance falls under provincial authority. The same rules apply to all cities for car insurance in Ontario. Insurance is legally required to drive a vehicle. A no-fault insurance system is in effect. All drivers must have $200,000 in third-party liability coverage and have the choice to add extra coverage to personalize their plan.
Statutory accident benefits: This insurance covers the expenses related to medical treatment in case you get injured in a car accident.
Direct compensation property damage: This coverage pays for damages if you’re not responsible for an accident. Starting January 1, 2024, you can exclude yourself from this coverage using OPCF 49.
Collision coverage: Vehicle damage resulting from an accident is included in this coverage.
Comprehensive coverage: This coverage applies to events that do not involve collisions. It encompasses theft, vandalism, and damage caused by non-driving occurrences.
All perils: It is important to note that all risks are covered unless they are explicitly stated as excluded.
Specified perils: Your policy provides coverage for the specific risks mentioned.
ThinkInsure Tip : Personalize your Oshawa auto policy
You have a lot of customizable options to add more protection to your auto insurance policy. You can increase your plan limits and include endorsements to personalize your policy based on your needs. Speak with your broker or agent about your options.
Recent Oshawa car insurance quotes
2026/03/21
Car insurance shopper in OSHAWA, ON
Vehicle: NISSAN SENTRA 2.0 SR 4DR 2024
Intact My Drive
$1,239
Intact
$1,377
Aviva Journey
$1,456
GORE
$1,575
Savings from the top 4 cheapest quotes
$336
2026/03/13
Car insurance shopper in OSHAWA, ON
Vehicle: FORD F250 SD PLATINUM CREW CAB 4WD DIESEL 2025
SGI Canada
$1,879
Intact My Drive
$4,274
GORE
$4,423
Intact
$4,747
Savings from the top 4 cheapest quotes
$2,868
2026/03/08
Car insurance shopper in OSHAWA, ON
Vehicle: CHEVROLET TAHOE RST 4DR 4WD DIESEL 2024
SGI Canada
$1,566
Intact My Drive
$2,544
Intact
$2,825
GORE
$3,069
Savings from the top 4 cheapest quotes
$1,503
2026/02/25
Car insurance shopper in OSHAWA, ON
Vehicle: HONDA ACCORD TOURING 4DR 2020
SGI Canada
$2,200
Intact My Drive
$2,500
Aviva Journey
$2,589
Intact
$2,775
Savings from the top 4 cheapest quotes
$575
How much is car insurance in Oshawa?
Drivers in Oshawa can expect to pay about $2,335 annually for auto insurance premiums. Amounts will vary based on your neighbourhood, vehicle type, coverage, insurer, and many other factors.
Although costs are higher than the provincial average in Ontario, they are similar to Toronto car insurance and many other cities in the GTA.
Here’s a breakdown of how much you can expect to pay:
Annually: $2,335
Semi-annually: $1,167.50
Quarterly: $583.75
Monthly: $194.58
Weekly: $44.90
Daily: $6.40
Rates are based on ThinkInsure customer quote data for Q1 2025 (Jan 1 to March 15, 2025).
Insurance premiums change frequently. Rates undergo regular fluctuations due to insurers' evaluation of data about claims, repair expenses, accidents, and various other considerations. Moreover, your driving record and potential eligibility for additional discounts can contribute to these rate changes. As you can see below, prices have changed quite a bit over the past few years in Oshawa:
Year
Average annual premium
2025
$2,335
2023
$2,341
2023
$2,017
2022
$2,489
2021
$1,861
2020
$2,398
2019
$2,202
Average rate (2019-25)
$2,235
**
Oshawa auto insurance premiums by driver type
Your auto insurance amount depends on you and your current situation. Insurers consider age, demographics, driver classification, and driving record variables to determine your premiums. To assess the influence of these factors on your payments, we studied our customer quote data. Here's what we discovered:
Premium
Monthly
Difference
Driver type
All drivers
$2,335
$195
0
Young drivers (25 and under)
$2,848
$237
21.97%
Middle age (25 - 50)
$2,275
$190
-2.57%
Mature/senior drivers (50+)
$1,417
$118
-39.31%
High risk drivers
$7,049
$587
201.88%
Demographics
Male
$2,182
$182
-6.55%
Female
$1,930
$161
-17.34%
Married
$2,027
$169
-13.19%
Single
$2,050
$171
-12.21%
Driving record
Clean driving record
$2,335
$195
0
1 ticket within the past 3 years
$2,411
$201
3.25%
1 accident in 3 years
$3,125
$260
33.83%
1 cancellation in 3 years
$2,681
$223
14.82%
1 suspension in 3 years
$2,711
$226
16.10%
***
Save more with multi-car insurance policies in Oshawa
Insuring multiple vehicles with the same company can lead to significant savings. Many providers offer discounts for bundling policies. For instance, ThinkInsure customers in Oshawa save an average of $366 per car with a multi-vehicle policy. Managing one policy instead of several also simplifies things.
Average rate
Average rate per vehicle
Total savings
Savings per vehicle
1 car
$2,335
$2,335
2 cars
$3,205
$1,603
$732
$366
***
Auto insurance rates in Oshawa compared to local cities nearby
Compared to other local cities, car insurance prices in Oshawa fall somewhere in the middle. See the comparison here:
City
Avg premium
Ajax
$2,039
Whitby
$1,951
Oshawa
$2,335
Pickering
$1,992
Bowmanville
$1,681
Uxbridge
$2,168
***
What areas in Oshawa have the cheapest car insurance?
The location within the city where you live can influence your insurance expenses. In Oshawa, the variation between postal codes means a difference in how much you pay. So, if you have plans to relocate, this is a significant factor to bear in mind. Here’s an overview of how your postal code can affect your premiums:
Area in City of Oshawa
Postal Codes
Avg Premium
Central Oshawa
L1G
$2,311
Southeast Oshawa
L1H
$2,385
Southwest Oshawa
L1J
$2,309
Oshawa East
L1K
$2,066
Oshawa North
L1L
$2,445
***
Why are auto insurance premiums in Oshawa higher than the provincial average?
Oshawa has higher than average insurance rates because it has high auto theft, collision, and commuting rates compared to other cities in Durham:
According to DurhamRegion.com,
Oshawa has the third-highest rate of auto thefts in the Durham region. There were 223 auto thefts from January to September 2024.
According to a Durham Collision Reporting Centre Report, there were 2060 collisions in Oshawa in 2023. This is 34.45% of all collisions in Durham and the highest percentage of all cities.
Annual collisions increased by over 15% from 2022 to 2023.
Of the 15 largest census metropolitan areas, Oshawa has the second-longest commute. Drivers average 32.6 minutes, according to Statistics Canada.
Expert car insurance savings advice
To lower your car insurance costs, maintain a clean driving record and choose a safe vehicle, as these significantly impact your premium. Consider increasing your deductible if you are comfortable with a higher out-of-pocket expense for claims. Inquire about potential discounts for bundling insurance policies or using winter tires. Finally, compare quotes from multiple insurers to identify the most affordable rate tailored to your requirements.
Wasim Khan
|
Insurance Broker (RIBO)
Ready to save on your Oshawa auto policy?
Monday-Friday: 8am-6pm Saturday: 9am-5pm
What are the best ways to cheap auto insurance in Oshawa?
Saving money is the goal. However, while most drivers in Oshawa understand that they should check rates to see if they can find cheaper car insurance, many still don’t.
If you want to get the lowest premium possible, there are several things you can do to help yourself, including :
Shopping around for car insurance quotes from multiple companies each time your plan comes up for renewal.
Try to be a safe and effective driver whenever you get behind the wheel.
Talk with your insurer about discounts you may qualify for.
Assessing your needs – ensuring you don’t have too much or too little protection.
Avoiding distracted driving temptations.
Consider insurability when shopping for a vehicle. Safer vehicles are generally more affordable to insure.
These simple yet effective tips can help you lower your costs. Couple these tips with checking quotes regularly, and you will put yourself in a better position to pay less without sacrificing high-quality coverage.
Want to save on Oshawa car insurance?
We can help you save more on car insurance in Oshawa. In just a couple of minutes, you can see the lowest rates from the top insurance companies, including Intact, Aviva, Travelers, and many more.
Located about 60 kilometres from downtown Toronto via Highway 401, residents can quickly commute to and from work. So, having dependable auto insurance in Oshawa is important.
With 4 in 5 residents being old enough to drive, and with most residents choosing to drive to work, there are a lot of cars on the road. This makes road safety imperative. Use these tips:
Watch out for those one-way streets – the city is known for its sometimes confusing one-way streets.
With shorter-than-normal on-ramps to the 401, it’s important to get up to speed as quickly as possible so you can effectively merge into traffic.
With the lake effect snow in the winter, driving conditions require good-quality snow tires.
It is worth investing in a transponder for Highway 407 to beat the traffic and give yourself more options.
Plan for traffic and give yourself extra time when driving into the city.
If you are in a rush, consider taking the Highway 407 toll road.
With these driving tips in your arsenal, you can confidently know you are covered.
Oshawa car insurance FAQs
Saving on car insurance is important to Oshawa drivers. You can pay less by being a safe driver and taking the time to get an estimate and assess your options. When you assess your needs, you can see what insurers offer, identify options, and find the best rates based on your unique driving needs.
It's recommended that Oshawa drivers get a car insurance quote at least once per year. This provides you with the opportunity to review your options. You may want to renew your current policy or switch to a new provider based on what you find.
The most effective way to maximize savings is to work with an Oshawa insurance broker. They can help you compare the latest rates and coverage options from multiple providers at the same time. They'll help find the right policy to meet your driving needs for the lowest price in the marketplace.
Get auto insurance in Oshawa for a lower rate
Comparing quotes and getting insured with ThinkInsure is easy. Getting more affordable car insurance in Oshawa is only a call or click away. Start with an online quote or give us a call to see rates from the top insurance companies in Canada.
* Based on the difference between the average lowest premium and the overall average premium in Oshawa 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 Oshawa on ThinkInsure.ca.
*** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from January 1, 2025, to March 31, 2025.
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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