Oshawa is very much a commuter town, so having good car insurance is essential. Living away from the congested downtown traffic is appealing to the more than 160,000 residents that call the area home. People also enjoy the fact that Oshawa has lower rates for auto insurance in the GTA.
With ThinkInsure it's easy to compare quotes from the top insurance companies in Canada. We'll shop for the best car insurance rates 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 prices.
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See what our customers are saying about getting auto insurance with us.
See all reviewsAlexis French
2023-11-30
Todd Allen, thank you for your support. Convenient, knowledgeable and quick. Explained all the details and was thorough to get our family the best coverage for less. Highly recommend to friends and family.
Oluwakayode Oladapo
2023-11-25
I had been worried about getting the right insurance policy for my car till I spoke with Evan Venditti at ThinkInsure. He spent quality time discussing all options available to me based on my situation. I didnt inform him I had previous quotes from other brokers so I knew what I was looking for but he talked me through everything, was very patient with me and ended up giving me the best price available in the market(I know this cos I had shopped around!). The signup and payment process was very seamless and he had everything sorted out for me in minutes! I would recommend ThinkInsure to anybody and do ask to speak to Evan if you call them!
Orin Monize
2023-11-09
I was shopping around for insurance for a while. I checked many different insurance brokers and companies and Think Insure was able to get me the absolute best rates. Todd Allen was my representative and he was amazing to deal with and made my process a painless process. Thank You very much Todd and Think Insurance 🙏🏽
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.
You can increase your limits and include endorsements to personalize your policy.
Drivers in Oshawa can expect to pay about $1,800 annually for auto insurance premiums. Amounts will vary based on your neighbourhood, vehicle type, coverage, insurer, and many other factors.
Costs are slightly higher than the provincial average in Ontario. But costs are potentially hundreds of dollars less than Toronto car insurance and many other cities in the GTA - which is over $2,000 per year.
Insurance premiums change frequently. Rates undergo regular fluctuations due to insurers' evaluation of data pertaining to claims, repair expenses, accidents, and various other considerations. Moreover, your driving record and potential eligibility for additional discounts can contribute to these changes in rates. As you can see below, prices have changed quite a bit over the past few years in Oshawa:
| Year | Average annual premium |
|---|---|
| 2023 | $2,017 |
| 2022 | $2,489 |
| 2021 | $1,861 |
| 2020 | $2,398 |
| 2019 | $2,202 |
| Average rate (2019-23) | $2,193 |
**
The amount you pay for auto insurance depends on you and your current situation. Insurers consider variables such as age, demographics, driver classification, and driving record 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 | $2,246 | $187 | 0 |
| Young drivers (25 and under) | $2,848 | $237 | 26.80% |
| Middle age (25 - 50) | $2,382 | $199 | 6.06% |
| Mature/senior drivers (50+) | $1,480 | $123 | -34.11% |
| High risk drivers | $4,994 | $416 | 122.35% |
| Demographics | |||
| Male | $2,257 | $188 | 0.49% |
| Female | $2,230 | $186 | -0.71% |
| Married | $2,073 | $173 | -7.70% |
| Single | $2,360 | $197 | 5.08% |
| Driving record | |||
| Clean driving record | $2,246 | $187 | 0 |
| 1 ticket with past 3 years | $2,429 | $202 | 8.15% |
| 1 accident in 3 years | $2,985 | $249 | 32.90% |
| 1 cancellation in 3 years | $2,681 | $223 | 19.37% |
| 1 suspension in 3 years | $2,711 | $226 | 20.70% |
*****
Compared to other local cities, car insurance prices in Oshawa fall somewhere in the middle. See the comparison here:
| City | Avg premium |
|---|---|
| Ajax | $2,217 |
| Whitby | $2,176 |
| Oshawa | $2,090 |
| Pickering | $2,018 |
| Bowmanville | $1,833 |
| Uxbridge | $1,587 |
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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 | $2,320 |
| Southeast Oshawa | L1H | $2,187 |
| Southwest Oshawa | L1J | $2,365 |
| Oshawa East | L1K | $2,066 |
| Oshawa North | L1L | $2,374 |
***
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 :
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.
We can help you save more on car insurance in Oshawa. See the lowest rates from the top companies including CAA, Intact, Aviva, Travelers, and many more in just a couple of minutes.
Get startedLocated 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:
With these driving tips in your arsenal, you can drive with confidence in knowing that you are covered.
Saving on car insurance is important to Oshawa drivers. You can pay less by not only being a safe driver but by taking the time to get an estimate and assess your options. When you assess your needs, you’ll be able to see what insurers offer, identify options, and find the best rates based on your unique driving needs.
It’s recommended that drivers in Oshawa should get a quote for car insurance at least once per year. This provides you with the opportunity to review your options. Based on what you find, you may want to renew your current policy or switch to a new provider.
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 while for the lowest price in the marketplace.
ThinkInsure has been helping Oshawa drivers save on car insurance for over 50 years. We can help you save money and find a policy that meets your needs. Here are some reasons to choose us for your auto policy:
Sources
* 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, 2023, for drivers with a clean driving record.
** Estimated prices are based on data entered by drivers with a clean driving record living in Oshawa on ThinkInsure.ca.
*** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from 2019-2022.
**** Estimated premiums are based on data entered by people on ThinkInsure.ca from January 1, 2021, to October 1, 2022.
***** Data from online quotes completed from April 2019 to April 2023.
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