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Find Cheap Car Insurance in Ajax

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Car insurance in Ajax

Ajax vehicle owners are required by law to have auto insurance, just like any other town in Ontario. Car owners, lessees, and drivers who do not carry valid auto insurance can be subject to a hefty fine ranging from $5,000 to $50,000. If you are found driving without valid auto insurance, you can have your driver's licence suspended and your vehicle seized.

If you are convicted of driving without valid auto insurance, your insurance company may consider you a "high-risk" driver and charge you higher premiums or refuse to sell you insurance altogether. If you are injured in an accident while driving or occupying an uninsured vehicle, you may not be entitled to receive income replacement and non-earner benefits, and you may not be allowed to sue the at-fault driver for compensation.

Ajax auto insurance is regulated by the Financial Services Regulatory Authority of Ontario (FSRA), an arm of the Ministry of Finance. FSRA regulates all Ontario auto insurance rates to ensure all insurance company's proposed rates are reasonable but also allow them to charge enough to cover their operating cost, future claims from consumers and their profit.

Auto insurance providers can apply to increase or decrease their rates every quarter and usually request rate increases due to changes in a particular coverage. Auto insurance companies also offer rate reductions, insurance rebates and billing flexibility to provide financial relief to their customers during this COVID-19 pandemic.

Recent auto insurance quotes in Ajax

Shopper from AJAX, ONTARIO
2019 HONDA CIVIC EX 4DR November 29, 2022
$ 3,398
Per year
Cheapest Rate
$ 5,033
Per year
Average Rate
$ 1,635
or
32 %
in savings
Shopper from AJAX, ONTARIO
2020 MAZDA MAZDA3 GT 4DR November 29, 2022
$ 1,172
Per year
Cheapest Rate
$ 1,964
Per year
Average Rate
$ 792
or
40 %
in savings

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Mandatory and optional auto insurance in Ajax

Insurance type Mandatory coverage Optional/Additional coverage
Third-Party Liability $200,000 minimum. Provides coverage in the event of a lawsuit resulting from an accident where you are at fault. Coverage can be increased to $500,000, $1 million, or $2 million, with up to $2 million limit.
Direct Compensation-Property Damage (DC-PD) Covers damage to your car, or loss of use of your vehicle, if someone else is at fault. Must involve another insured vehicle. For additional vehicle coverage including for when you are at-fault, consider collision coverage.
Uninsured Automobile Insurance Provides up to $200,000 in coverage if you are injured or killed by an uninsured driver, or if your vehicle is damaged as a result of a hit-and-run by an unidentified, uninsured motorist. Family Protection Coverage is an optional coverage that includes additional coverage of up to $1 million in the case of a hit-and-run by an uninsured motorist.
Statutory Accident Benefits

Provides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren’t covered by OHIP.


Income Replacement Benefits: Basic weekly income replacement of 70% of your gross income up to $400/wk.


Medical, Rehabilitation and Attendant Care Benefits: Up to $65,000 for serious injuries, and $1 million for catastrophic injuries.


Caregiver Benefits: Up to $250 per week for the first dependent, and $50 per week for each dependent after that.


Housekeeping and Home Maintenance Expenses: Maximum payout $100 per week.


Death and Funeral Benefits: Up to $25,000 is provided to your spouse, $10,000 for each dependent, and up to $6,000 in funeral costs in the event you are killed in an automobile accident.

Coverage limits can be increased.
Collision Coverage (Also Upset Coverage) Optional Covers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property.
Comprehensive Coverage Optional Covers damages caused by named perils identified under the Specified Perils coverage, as well as losses from other perils like falling or flying objects, theft, fire, hail, windstorms, missiles, and vandalism.
Specified Perils Coverage Optional Covers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and also other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc.
All-Perils Coverage Optional Combines collision/upset and comprehensive coverage. Also provides additional protection if a household member or an employee steals your vehicle.
OPCF 20: Coverage for Transportation Replacement Optional Covers the cost of your transportation replacement and rental car insurance if you were to get into a car accident or if your vehicle is stolen.
OPCF 27: Liability for Damage to Non-Owned Automobile(s) Optional Covers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000.
OPCF 39: Accident Waiver/Forgiveness Optional Protect your premium from rising when you have your first at-fault accident.
OPCF 43: Waiver of Depreciation Optional Protects you by removing your insurer's right to deduct depreciation from the value of your vehicle when settling a claim. This coverage is for new vehicles with fewer than 5,000 kilometres.
OPCF 44R: Family Protection Coverage Optional Protects you if you or a family member is injured, regardless of whether you or your family members are in the car when the accident occurs

How much does car insurance cost in Ajax?

In 2021, Ajax's average car insurance premium cost $2,104 per year or $175 per month, based on the RATESDOTCA Insuramap Report, which is $549 more than Ontario's average of $1,555.

Ajax drivers are paying the second-highest auto insurance premium in Ontario, only behind Vaughan by a few dollars. Ajax surpassed Brampton and Mississauga, which have witnessed reductions of 26.8% and 16.9%, respectively, since 2020.

How do car insurance rates for Ajax compare to other cities in Ontario?

City Population Average premium 2021
Vaughan 323,103 $2,179
Ajax 126,666 $2,104
Richmond Hill 202,022 $2,025
Brampton 656,480 $1,976
Mississauga 717,961 $1,971
Pickering 99,186 $1,959
Toronto 5,647,656 $1,953
Oshawa 335,949 $1,833
Whitby 138,501 $1,792
Nobelton 6,507 $1,766

Population as per Statistics Canada data for 2021

High car insurance premiums are linked to a high volume of claims, theft, time spent on the road, and less-than-ideal driving habits.

Three other Durham Region towns were in the top 10. Pickering ranked sixth at $1,959 (a 0.1% drop from 2020). Oshawa was eighth at $1,833 after a 12.1%t increase, and Whitby ranked ninth at $1,792 (a 0.9% increase over the previous year).

Which companies offer car insurance quotes in Ajax?

Company name Phone Address Company type
Billyard Insurance Group 289-539-0621 15 Harwood Ave S Unit 104, Ajax Ontario L1S 2B9 Insurance brokerage
Intact Insurance 1-844-489-3769 59 Westney Rd S #8, Ajax, Ontario L1S 2C9 Insurance company
AllState Insurance: Ajax Agency 289-460-4332 or 1-888-888-8888 15 Westney Rd N Unit 18D Ajax, Ontario L1T 1PS Insurance company
BML Insurance Broker Limited 1-905-683-3301 467 Westney Rd S, Ajax, ON L1S 6V7 Insurance Brokerage
LowestRates.ca 1-855-487-6911 1910 Yonge St. Suite 401, Toronto, ON M4S 3B2 Quotes Comparison
Scoop Insurance 1-866-456-6620 300 Lincoln St, Welland, ON L3B 4N4 Insurance Brokerage
Jones-Dooley Insurance Brokers Ltd 1-888-250-3798 103 Church St S, Ajax, ON L1S 6A9 Insurance Brokerage
InsuranceHotline.com 1-855-821-7312 360 Adelaide St. W. Suite 100, Toronto, ON M5V 1R7 Quotes comparison
RATESDOTCA 1-844-726-0907 360 Adelaide St. W. Suite 100, Toronto, ON M5V 1R7 Quotes comparison
Best Buy Insurance Brokers Inc. 1-289-278-4278 1 Rossland Rd W #208, Ajax, ON L1Z 1Z2 Insurance Brokerage
All-Risks Insurance Brokers Limited 1-905-686-6556 1801 Harwood Ave N Unit 17, Ajax, ON L1T 0K8 Insurance Brokerage

Factors that affect your Ajax car insurance premium

The amount of auto insurance one pays depends on various factors that insurance companies take into consideration. One of the major factors taken into consideration is your driving history, age, and if you have been involved in a collision. You can expect to pay a higher premium if you have received multiple speeding tickets or have been at fault for collisions. But there are also other factors most drivers aren't familiar with.

Here are some of the main factors that insurance companies consider when calculating car insurance rates in Ajax:

  1. Neighbourhood: Your postal code can influence your car insurance rates. Insurance providers are risk assessors, so if drivers in your neighbourhood are more likely to file claims, your rates will reflect this. Differences in the rate of claims from one postal code to the next can be linked to driving behaviour and congestion in the area, crime rates, and other geographic differences.
  2. Vehicle: Driving a car decked out with aftermarket accessories, customized specifications, or luxury trim will raise your insurance rates. These cars cost significantly more to repair or replace after an accident.
  3. Annual mileage: You may have noticed that insurance companies request your daily commute distance. The more time you spend on the road, the more likely you are to get in an accident. Therefore, commuters tend to pay more for car insurance. From an auto insurance perspective, commuting by transit, walking, or cycling is much better.
  4. Driving history: Your personal driving record has an outsized impact in determining your car insurance premiums. If you have any convictions or accidents on your record, you'll pay more for insurance until enough time has passed (usually six years). Those pesky speeding tickets can raise a red flag if you have a pattern of accumulating them. While parking tickets will not increase your insurance rates, if your driver's licence gets suspended because of too many unpaid parking tickets, this can cause your insurance provider to increase your rates.
  5. Insurance coverage: Like all cities in Ontario, Ajax has mandatory and optional auto insurance coverages. If you select coverages beyond the minimum requirement, you will pay more for that enhanced protection.
  6. Discount eligibility: Your age, occupation, and alumni are all potential sources of discounts. You can always ask your insurance provider about the discounts you're eligible for to ensure you get the best rate.
  7. Additional drivers: A second driver on your policy will expand your vehicle's coverage, but it also means you'll pay more.
  8. Bundle your insurance: Your insurance provider might also ask you to bundle your insurance policies, such as home and auto, as an easy way to reduce your premium from 5-15%.

Tips to get cheap car insurance in Ajax

Looking for cheap auto insurance in Ajax? Here are seven ways to save on premiums:

  1. Compare quotes: Of course, the easiest way to save money is to compare auto insurance quotes on RATESDOTCA. If you're looking to buy a new car, compare quotes for the vehicles you're considering to see which one is the cheapest to insure.
  2. Use the Durham Regional Transit and GO transit: The less you drive, the more you save. If you commute to work via car, switching to transit can slash your premiums. If you don't drive as much as you used to, call your insurance company and let them know.
  3. Increase your deductible: The deductible is what you must pay out of pocket if you file a claim. The more you agree to pay, the lower your premium will be.
  4. Bundle home and auto insurance: If you bundle your home and auto insurance under the same insurance company, you can save 5 to 15% off both policies. This is also called a multi-line discount.
  5. Change into winter tires: Ajax roads face some harsh winter conditions. Save 5% on your car insurance by installing winter tires for the season. Protect your wallet and keep you and your family safe on icy roads.
  6. Know what coverage you need: Review your coverage each year and cancel any add-ons you no longer need. For example, if you drive an older car that isn't worth repairing, it would make economic sense to cancel your collision coverage.
  7. Pay annually: If you can pay your premiums annually rather than monthly, you can often save a bit of money. Some insurance companies offer a discount on the payment of annual premiums upfront.

Frequently asked questions about car insurance in Ajax

Here's everything you need to know about car insurance in Ajax.

Which company has the cheapest car insurance in Ajax?

Always compare rates before you choose an auto insurance policy. RATESDOTCA provides the easiest and quickest way to compare premiums for cheap car insurance in Ajax. Vehicle owners or lessees should also talk to their existing provider about discounts. Insurance companies reward drivers for their experience on the road, driving history and needs, insurance policy bundles, and installing anti-theft devices, among other things.

Can I get month to month car insurance in Ajax?

Most insurance companies don't offer temporary car insurance. Some Ontario car insurance providers offer six-month coverage but are few and far between. In theory, you could opt for a 12-month policy and then cancel it before the end of the agreement, but the cancellation fees are costly.

How do I get car insurance as a new driver in Ajax?

An owner or lessee of a motor vehicle who resides in Ontario can apply for automobile insurance with an insurance broker, direct writer or insurance company. Your age and gender could impact your insurance premium. Young drivers typically fall within the age group of 16-24. However, a new driver, irrespective of age, can save on hefty premiums by being certified by a government-approved driving school, maintaining a clean driver's record and practicing safe and responsible driving techniques. RATESDOTCA can help you identify the cheapest deal on auto insurance.

Is ride sharing insurance available in Ajax?

Ontario automobile drivers who use their personal vehicles to carry paying passengers or rent their car through car-sharing must inform their auto insurance provider.

Your insurer may permit you to drive for a ride-sharing company or rent your vehicle through a car-sharing company and may provide additional coverage unavailable through the ridesharing or car-sharing company's insurer.

Some insurance providers may charge you an additional fee for permission to use your vehicle for ride-sharing or car-sharing activities. This fee may provide supplementary coverage to the company's fleet insurance policy.

However, insurers are not required to permit your vehicle to be used for ride-sharing or car-sharing activities under your personal auto insurance policy. They may attempt to cancel or not renew your personal auto policy. 

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