Richmond Hill Car Insurance: Get Cheap Auto Insurance Quotes

1-855-550-5515

Save up to $754* with cheap rates for car insurance in Richmond Hill.

Compare Richmond Hill car insurance quotes from the leading providers

See all providers

Find a better rate for car insurance in Richmond Hill

Are you tired of expensive auto insurance in Richmond Hill? You should be. But it is something you must manage when you live in the GTA. Even though car insurance rates are expensive for Richmond Hill drivers, you can still save money.

With ThinkInsure, you can compare quotes from the top insurance companies in Canada to find the best rates and coverage. It's quick and easy to save on auto insurance in Richmond Hill. Get started by comparing quotes online or give us a call and a licensed broker will be happy to assist you.

How to compare auto insurance quotes in Richmond Hill

Follow these easy steps to compare quotes and save more!

1) Get started

Enter some basic info to start.

2) Enter your information

Provide your driving and vehicle details.

3) Compare quotes

See the lowest rates from top insurers.

Get insured

Select the best rate and get insured.

Get Started

5 star Richmond Hill car insurance

Rated 4.7 out of 5 stars in 1378 Google reviews

See what our customers are saying about us.

See all reviews

Robert Storey

2024-04-19

Thanks to Evan for his great advice and great service!

SHIRAZ HUDDA

2024-04-17

Great experience with Todd Allen, very personable and excellent customer service! Highly recommend wish I knew earlier could have saved thousand$

Paul Ricketts

2024-04-16

I would like you to know how thankful i am to have been assisted by Neil Sullivan. His courteous, prompt and thorough service should be acknowledged and applauded.

Eric Kim

2024-04-11

**Updated to 5-stars - Felicia (Supervisor) called almost immediately after this review went up - validated my concerns (ie. confirmed with system notes, that I wasn't crazy), checked everything was good now on my end, and will use the experience as coaching points. This one call has completely changed my view** Terrible broker. I was "assigned" to them when I signed up for CAA insurance (via CAA's website). In the last two weeks alone, I've had to follow up with several different agents on my request (updates to my policy, because the initial set up was also incorrect for deductible, coverage, etc). It's almost as if the agent listens to my words, says they'll get to it and call back, but in reality just hang up and move on. I mean, they're all super friendly on the phone, but actions speak louder than words, and there hasn't been much action on their end. Easily the worst insurance broker I've interacted with.

M Matin

2024-04-08

Shakir was very professional and friendly, excellent service!

Jennifer Kan-Hodgson

2024-04-07

Todd Allen is prompt, efficient and courteous! Thinkinsure has the best rates!

Dan

2024-04-04

Todd Allen was able to help me find a low rate for home and auto. Thanks Todd!

Matt Amaral

2024-04-04

I had my first call with Bailey Molella, and right from that call I knew I was good hands with getting me a suitable quote for my insurance . I had to do some thinking about it still so I let Bailey know that I would contact him at a later date , and he was very understanding . When I did call back it was like we had just picked up from where we had left off , lots of support lots of help from him in making sure I had the right insurance company to move forward with . He was an absolute pleasure working with and highly recommend having him as your broker .

How does car insurance work in Richmond Hill?

Car insurance works the same in Richmond Hill as it does throughout the province. Car insurance in Ontario is mandatory, and all drivers must carry a minimum amount of coverage. You can take out extra coverage to increase your plan limits.

You can buy coverage from private insurance companies directly or through a broker. Your options vary based on the insurer. Coverage is divided into mandatory and optional:

Mandatory car insurance in Richmond Hill

This is included in all policies:

Third party liability: $200,000 in coverage is the minimum requirement, but most drivers have between $1 and $2 million in protection.
Statutory accident benefits: You receive medical benefits if you or your passengers are hurt in a collision.
Uninsured automobile coverage: Receive medical coverage and vehicle repair costs if an uninsured motorist hits you.

Most drivers have more and personalize their plans to meet their specific driving requirements.

Direct compensation property damage covers accident damage when you are not at-fault. Starting January 1, 2024, DCPD will no longer be mandatory. You can opt out of this coverage using OPCF 49.

Optional auto insurance in Richmond Hill

You can add this to enhance your plan:

Collision insurance: Your vehicle is protected if you are in a crash. This covers repair costs.
Comprehensive insurance: Protect your vehicle against non-accident related perils such as falling objects, theft, and vandalism.
Specified perils insurance: Covers loss for perils listed in your plan, including fire, theft, weather damage, etc.
All perils insurance: Protects you against all perils unless they are listed as an exclusion in your plan.

Personalize your policy with insurance endorsements. This allows you to enhance and alter your policy. Speak with our brokers about your options.

How much is car insurance in Richmond Hill?

Average auto insurance premiums in Richmond Hill are about $1,737 annually. The provincial average is $1,634. You can expect to pay approximately $150 to $175 per month. Your rates will vary based on your location within the city, your driving record, and other considerations.

Why are Richmond Hill auto insurance rates so high?

Richmond Hill auto insurance rates are higher than drivers would like. Many factors contribute to the higher than average premiums in the area:

Higher traffic volume
More accidents
Fraud
Increased risk to drivers
The younger population of residents

Tips to get cheap car insurance in Richmond Hill

We all want to save as much as possible on our auto policy. Don’t you? Here are some ways to get cheaper car insurance in Richmond Hill:

Knowledge: The more drivers know about how insurance works, the more they can save.
Check for discounts: Understanding the variety of discounts offered by insurers and how coverage amounts affect premiums will help you save more.
Advisors: Use an advisor to help you assess your options. We have access to rates and policies from top insurance companies in the industry.
Compare: Checking car insurance quotes from multiple companies is the best way to make sure you are getting the lowest price.
Review annually: Review your policy and insurance needs annually. Make sure you have proper coverage. It’s also a good time to see if you are getting a good price.

Latest Richmond Hill car insurance quotes

2024/04/24

Shopper in RICHMOND HILL, ON
Vehicle: LEXUS NX350h 4DR AWD 2023
CAA My Pace	$2,293
Travelers	$2,579
Aviva Journey	$2,613
Intact	$2,636
Savings from top 4 cheapest quotes	$343

2024/04/18

Shopper in RICHMOND HILL, ON
Vehicle: MERCEDES-BENZ A220 4MATIC 4DR 2022
CAA My Pace	$1,011
Intact	$2,267
Aviva Journey	$2,286
Pembridge	$2,324
Savings from top 4 cheapest quotes	$1,313

Richmond Hill driving tips

Where you drive matters. The city is surrounded by highways. This commonly creates traffic, accidents, and other delays. Drivers can take Highway 7 and Highway 401 to travel east to west or take Highway 404/DVP to drive into downtown Toronto. Drivers also have easy access to the Highway 407 ETR toll route. The area is made up of several diverse neighbourhoods – Oak Ridges, Mill Pond, Yonge Street, Bayview Hill, East Beaver Creek, and Jefferson. Here are tips to drive safely:

Invest in a 407 ETR transponder: If you drive on the highway often, you may want to invest in a 407 ETR transponder. Using the 407 will save you time and help you avoid traffic.
Highway options for commuters: The city has an excellent road system. Use Highway 7 or Highway 404 to make your way across town quickly. Use Leslie Street, Major Mackenzie, Yonge Bathurst, or one of many other options if the 404 or Highway 7 is backed up.
Drive safe on Highway 7: As a major route for travelling east/west in the city, expect high traffic volume and more collisions. Drive safe!
Get winter tires: Even though it’s only 30 minutes from downtown Toronto, the city gets significantly more snow. Get winter tires and drive safely on Highway 404 and other major routes during the winter.
Intersections with high collisions: Yonge Street and Carrville Road have the highest accident frequency. Other intersections with more high collisions include Major MacKenzie Drive East and Bayview Avenue, Yonge Street, and Elgin Mills Road, and Highway 7 and Leslie Street. Drive safe in these areas.

Richmond Hill car insurance FAQs

How can I lower my car insurance rates in Richmond Hill?

Even though car insurance rates in Richmond Hill are higher than average, there is a silver lining. There are many avenues to explore to lower your rates. For starters, it’s important to get a quote each time your policy is up for renewal. This allows you to assess your coverage, and get advice from your advisor. It also gives you the opportunity to look for new discounts and additional ways to save.

What is the best insurance company for car insurance in Richmond Hill?

There isn’t a specific insurer that has the best car insurance in Richmond Hill. The insurer you select depends on your coverage needs, the type of plan they offer, and the formula they use to determine rates. Therefore, it’s important to do a comparison with multiple providers to see what they have to offer. Choose the company that has the best coverage and price that makes sense for you.

When should I shop for Richmond Hill auto insurance?

It’s a good idea for Richmond Hill drivers to shop for auto insurance quotes at least once per year. It’s ideal to compare when your policy is coming up for renewal. This allows you to see what your current insurer has to offer and compare this to coverage from other providers.

Ready to save on Richmond Hill auto insurance?

We know you don’t have countless hours to dedicate to getting quotes for auto insurance in Richmond Hill. You want a simple solution that will help you get the lowest price. At ThinkInsure, we can help check rates from the top providers in just a couple of minutes.

Compare online any time through our website. Simply fill out your information and we will handle the rest. Or, if you prefer to speak with our experts directly, call toll-free 1-855-550-5515.

Get Started

Sources

* Based on the difference between the average lowest premium and the overall average premium in Ontario for estimates completed from January 1 to March 31, 2023, for drivers with a clean driving record.

Insurance Blog And News

Read our insurance blog to get helpful tips, information and news.

2024-04-25

Compare Richmond Hill Car Insurance Quotes

Save up to $754* with cheap rates for car insurance in Richmond Hill.

Compare Richmond Hill car insurance quotes from the leading providers

Find a better rate for car insurance in Richmond Hill