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How much does car insurance cost in Aurora in 2026?
In 2026, the average car insurance premium in Aurora is $2,397 per year (about $200 per month). Premiums in Aurora are 9.66% lower than the provincial average of $2,653. This makes Aurora 153rd out of 181 Ontario communities for car insurance affordability.
How Rates.ca finds the average car insurance premium
Rates.ca’s Auto Insuramap is an interactive map that shows how car insurance rates compare across Ontario’s forward sortation areas (FSA).
The estimated premiums for each FSA are based on the average of the three lowest premiums quoted. These quotes were acquired from Rates.ca using a specific driver profile: a 40-year-old male driver with 16 years of continuous insurance history, driving a four-door Honda Civic that is approximately five years old at the time of quoting.
Very young men tend to pay more for car insurance than young women. We made our driver persona 40-years-old because the differences in premiums for men and women tend to resolve by then. We also made it male to avoid understating the premiums.
From there, we matched the FSAs to their corresponding city, town, or community, along with the number of quotes we received from real Rates.ca users in that area. The average premium for each municipality was weighted based on the number of quotes.
The estimated premium for all of Ontario was calculated by averaging the municipal averages.
Key numbers: Aurora car insurance
- Drivers in Aurora pay an average of $200 per month and $2,397 per year for car insurance.
- Aurora is 153rd out of 181 Ontario communities for car insurance affordability.
- After years of increases, premiums are stabilizing — now is a good time to shop around and compare quotes.
As of March 2026
Changes coming to Ontario car insurance in 2026
Car insurance prices in Ontario will continue rising in 2026, but not as sharply as they did in 2023. Still, many drivers may notice higher premiums when their policies renew this year.
- Factors like increasing healthcare costs, cars being more high-tech, and auto theft are leading to higher insurance claims payouts. Insurance companies have raised premiums to cover these costs.
- On July 1, new rules will also change how accident benefits work in Ontario. Some benefits that used to be included automatically will now become optional.
- If you get a new policy after July 1, many accident benefits will not be included unless you ask for them.
- Choosing to do away with the newly optional accident benefits may save up to 5%, but you could lose access to tens of thousands of dollars in critical benefits.
- With the cost of everything rising, it can be tempting to cut down on coverage. Comparing car insurance quotes can help you save without giving up protection.
Recent auto insurance quotes in Aurora
Recent auto Insurance Quote from Aurora, Ontario
Male, 35 years old
2025 NISSAN KICKS S 4DR AWD
June 05, 2026
Cheapest Quote
$ 518 / month
$ 6,221 / yearAverage Quote
$ 615 / month
$ 7,382 / yearSavings
$ 97 / month
$ 1,161 / year
16 %
Recent auto Insurance Quote from Aurora, Ontario
Female, 36 years old
2025 KIA NIRO WIND BEV 5DR
June 05, 2026
Cheapest Quote
$ 159 / month
$ 1,904 / yearAverage Quote
$ 201 / month
$ 2,409 / yearSavings
$ 42 / month
$ 505 / year
21 %
Recent auto Insurance Quote from Aurora, Ontario
Male, 56 years old
2005 BMW 645CI CABRIOLET
June 04, 2026
Cheapest Quote
$ 28 / month
$ 340 / yearAverage Quote
$ 71 / month
$ 850 / yearSavings
$ 43 / month
$ 510 / year
60 %
The best car insurance companies of 2026
Drivers should always compare multiple quotes to find the best policy for their needs, and that doesn’t always mean the lowest-priced premium. Instead, a great rate should provide value and quality, with attentive customer service, an easy claims process, and personalized policy offerings.
The Rates.ca Annual Best Auto Insurance Study surveyed 14,676 auto insurance customers in Ontario about their experiences with Canada’s top auto insurance providers. These customers are from five major insurance brokerages that collectively serve more than 220,000 personal line customers.
Customers were asked about their satisfaction levels across multiple categories, from claims processing to ease of communication, as well as coverage options and overall trustworthiness.
Here are the top-ranking auto insurance companies in 2026.
Rates.ca Annual Best Auto Insurance Study 2026
CAA Insurance Company
About the winner
CAA Insurance Company ranks as the top insurer for the third year in a row, also placing first in: Most Trustworthy, Best Product & Value, and Best Communication & Clarity.
Customers praise its low rates and strong claims service. Many use its recommended repair shops.
Its products address real needs, like MyPace, which rewards low-mileage drivers skeptical of traditional usage-based insurance.
Key takeaways
- CAA Insurance leads the market with strong customer satisfaction.
- Competitive rates are the top reason customers choose it.
- The company scores highly for product value, meeting customer needs, and policy innovation.
- It also excels in communication clarity, with nearly all respondents satisfied with their policy documents and over half reporting they are very satisfied.
Intact Insurance
About the winner
Intact Insurance achieved outstanding scores for its claims process. Customers find Intact reps easy to reach, knowledgeable, and proactive. The vast majority report quick claims resolutions.
Over half of customers bypassed their broker and went straight to Intact, underscoring its reputation for hassle-free service.
Of all insurers, Intact Insurance customers are also the most likely to use the company’s app for updates.
Key takeaways
- Intact Insurance is a trustworthy brand, according to the majority of customers surveyed.
- Top-ranked for ease of its claims process; customers say it’s clearly outlined and that reps are helpful.
- Quick claims handling drives satisfaction, with nearly two-thirds of those very satisfied.
- Intact Insurance customers are more likely to reach out directly than calling their broker.
Northbridge Insurance
About the winner
Northbridge Insurance promises quick support: calls are answered within 20 seconds, and an adjuster follows up within three hours.
This speed and efficiency helped drivers rank it among Canada’s best car insurers.
It earns strong marks for claims experience, and customers say it delivers solid value for the premiums they pay without compromising service.
Key takeaways
- Northbridge Insurance is a trustworthy brand according to survey respondents.
- Earned top marks for claims experience across virtually all aspects of the claims process
- Ease of claims handling and expert representatives are key strengths for Northbridge Insurance.
- High ratings for product offerings and overall value.
How we got our ranking
To properly evaluate how great an insurance company is, you have to look way beyond online reviews. In collaboration with Pollara Strategic Insights, we surveyed 14,676 drivers in Ontario about their interactions with their insurers and specific experiences when filing claims to capture new trends and evolving expectations.
According to our methodology, we also asked them to rate their satisfaction with their insurance companies across a few critical areas, including: brand trustworthiness, claims experience, communication, products and billing.
This year, we also expanded the field and allowed insurers to rank for the following titles:
- Best Overall
- Most Trustworthy
- Best Auto Claim Experience
- Best Product & Value
- Best Communication & Clarity
To find the best overall scores, we took the scores for each survey category and weighted averages based on customer demographics, brokerage and insurance carrier.
Mandatory and optional auto insurance in Aurora
| Protection type & status | Coverage details & risks |
|---|---|
| Third-party liability [MANDATORY] | $200,000 minimum in coverage is required. Provides coverage in the event of a lawsuit resulting from an accident where you are at fault. Ontario drivers are encouraged to buy at least $1M in third-party liability insurance. |
| Accident benefits: Basic medical & rehab [MANDATORY] | Provides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren’t covered by OHIP. |
| Accident benefits: Income & family support [OPTIONAL] | Replaces lost wages, caregiver costs, and funeral expenses. After July 1, 2026, this coverage is no longer included by default on new policies; you must actively opt-in to keep your income safety net. Renewing policies will keep this coverage. |
| Uninsured automobile [MANDATORY] | 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. |
Direct compensation property damage [OPTIONAL] | DCPD is a standard coverage. It covers damage to your car, or loss of use of your vehicle, if someone else is at fault. DCPD is automatically included in all policies, but an insurance professional can remove it using form OPCF 49. Insurance experts, as well as the Ontario regulator, warn against this. |
| Collision [ADD-ON] | Covers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property. Usually required for leased vehicles. |
| Comprehensive [ADD-ON] | 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. Usually required for leased vehicles. |
| Specified perils [ADD-ON] | 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 [ADD-ON] | Combines collision/upset and comprehensive coverage. Also provides additional protection if a household member or an employee steals your vehicle. |
| OPCF 20: Replacement vehicle [ADD-ON] | 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: Rental car liability [ADD-ON] | Covers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000. |
| OPCF 39: Accident forgiveness [ADD-ON] | Protect your premium from rising when you have your first at-fault accident. |
| OPCF 43: Depreciation waiver [ADD-ON] | 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 [ADD-ON] | Increases your coverage if you're injured or killed in a collision involving an underinsured, uninsured, or unidentified driver. This coverage also applies if you or a family member is injured as a passenger, pedestrian, or cyclist. |
| OPCF 49: DCPD opt-out [ADD-ON] | Removes DCPD coverage from your insurance policy. |
| Legend | Essential: Critical coverage you should always have, with few exceptions Caution: Think carefully before removing Optimal: Useful add-on |
Factors that affect your Aurora car insurance premium
There are several factors that can influence your car insurance premium in Aurora. Here are some of the most significant ones:
- Your driving record & habits. A clean driving record is one of the best ways to keep your insurance costs low. If you’ve been involved in accidents or have traffic violations, your premium will likely be higher. Additionally, frequent driving increases your risk of accidents, which can also raise your rates. To save on insurance, consider driving less and always prioritize safe driving practices.
- Your vehicle. The type of car you drive plays a big role in determining your premium. Vehicles with advanced safety features like anti-lock brakes, lane assist, and anti-theft systems often qualify for lower rates. On the other hand, luxury or high-performance cars may cost more to insure due to higher repair costs and increased theft risk. Insurance providers in Aurora use the CLEAR system to evaluate vehicles, so it’s worth checking how your car is rated.
- Where you live. Aurora’s car insurance rates are influenced by its relatively low population density and lighter traffic compared to larger cities in the GTA. However, proximity to major highways and urban centers can slightly increase premiums due to higher risks of accidents and theft. While moving isn’t always an option, living in a safer neighborhood with lower crime rates can help reduce your insurance costs.
- Your age & gender. Younger, less experienced drivers often face higher premiums because they are statistically more likely to be involved in accidents. Similarly, male drivers, especially under 25, may pay more than their female counterparts. While you can’t change these factors, maintaining a clean driving record over time can help lower your rates as you gain experience.
- Claims history in Aurora. Aurora’s overall claims history also impacts insurance rates. Fewer claims in the area can lead to lower premiums for residents, while a higher frequency of claims can drive up costs. This is why Aurora’s rates, while higher than some smaller towns, remain more affordable than busier cities like Toronto or Vaughan.
Understanding these factors can help you make informed decisions to manage your car insurance costs in Aurora. Whether it’s choosing a safer vehicle, driving less, or maintaining a clean record, small changes can make a big difference.
Tips on how to get cheap car insurance in Aurora
To help lower your car insurance premium in Aurora and avoid overpaying, consider these practical tips:
- Compare insurance rates. Aurora has a variety of insurance providers, so take the time to shop around for the best deal. Use tools like Rates.ca to quickly compare rates and secure the most affordable option in your area. You can also check out the Ontario Car Insurance Rate Tracker to monitor quarterly rate changes from different insurers, courtesy of the Financial Services Regulatory Authority of Ontario.
- Maintain a clean driving record. Safe driving is one of the most effective ways to lower your insurance costs. Avoid accidents, tickets, and demerit points, as these can significantly increase your premium. A spotless driving record not only keeps your rates low but may also qualify you for additional discounts.
- Choose a safer vehicle. Driving a car equipped with safety features like anti-lock brakes, snow tires, lane assist, or an anti-theft system can reduce your insurance costs. These features lower the risk of accidents and theft, making you a less risky customer in the eyes of insurers. Check out the list of the safest vehicles to see if your car qualifies.
- Bundle your insurance policies. If you have multiple insurance needs, such as home, boat, or motorcycle coverage, consider bundling them with the same provider. Bundling can save you anywhere from 5% to 15% on your premiums. Plus, it simplifies your payment and renewal processes. Learn more about bundling your insurance policies.
- Be strategic with your coverage. Not all coverage is mandatory, so evaluate what you truly need. For example, if you drive an older car, you might consider dropping collision coverage, as the payout may not justify the cost of the premium. Tailoring your coverage to your specific needs can lead to significant savings.
- Build consistent driving history. While driving excessively can increase your rates, consistent and safe driving can help you build a strong record over time. If you don’t own a car, consider being listed as a secondary driver on someone else’s policy to maintain your driving history.
- Explore usage-based insurance programs. Usage-based insurance (UBI) programs, like those offered by many providers, can reward safe driving with lower premiums. These programs use a mobile app or a device installed in your car to monitor your driving habits, such as speed, braking, and time of day. If you’re a cautious driver, this could lead to significant savings. Learn more about usage-based insurance.
By following these tips, you can take control of your car insurance costs in Aurora and ensure you’re getting the best value for your money.
How to get Aurora car insurance quotes on Rates.ca
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Frequently asked questions about car insurance in Aurora
Here's everything you need to know about car insurance in Aurora, Ontario.
Which company has the cheapest car insurance in Aurora?
Always compare rates before you choose an auto insurance policy. Rates.ca provides the easiest and quickest way to compare premiums for cheap car insurance in Aurora. Vehicle owners or lessees should also talk to their existing provider about discounts. Discounts reward drivers for their experience on the road, driving history and needs, insurance policy bundles, and installing anti-theft devices, among other things.
Aurora car insurance rules and regulations you need to know
By law, all drivers in Ontario must have valid car insurance, and the town of Aurora is no exception.
Whether you own, lease, or drive a vehicle, you are required to carry valid auto insurance. Failing to do so can result in fines ranging from $5,000 to $50,000, along with a driver’s license suspension and vehicle impoundment. On top of that, car insurance companies may classify you as ‘high-risk,’ leading to significantly higher premiums.
Avoid these penalties by ensuring you have the proper auto insurance coverage.
Fortunately, in Ontario, and by extension, Aurora, there are plenty of options available. You can begin your search by exploring the following:
- Insurance brokers. Professionals who sell insurance on behalf of multiple insurance companies.
- Insurance agents. Representatives who sell insurance from a single company.
- Direct writers. Companies that sell their own insurance services directly to consumers.
- Quote comparison websites. Platforms that allow you to compare auto insurance rates in your area. For example, you can use Rates.ca to get quotes and find the most affordable rate.
Can I get month-to-month car insurance in Aurora?
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 Aurora?
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 16-24 age range. 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. Rates.ca can help you identify the cheapest deal on auto insurance.
Is ride-sharing insurance available in Aurora?
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 ridesharing 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 ridesharing or car-sharing activities under your personal auto insurance policy. They may attempt to cancel or not renew your personal auto policy.
FSRA has approved auto insurance products for some of the popular ridesharing companies such as Lyft (policy provided by Aviva Insurance Company of Canada), Uber (policy provided by Economical Mutual Insurance Co.), Facedrive (policy provided by Northbridge General Insurance Corp.), among others.
What types of car insurance coverage are mandatory in Aurora?
In Aurora, as in all of Ontario, drivers are required to have the following mandatory coverages: third-party liability (minimum $200,000), accident benefits, uninsured automobile coverage, and direct compensation-property damage (DCPD). Optional coverages, such as collision and comprehensive, can be added for extra protection.
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Alexandra Bosanac, Content Manager
Alexandra Bosanac has been a content manager for Rates.ca since 2021, specializing in auto insurance. She began covering auto insurance in 2017. Alexandra has a bachelor's degree in journalism from Toronto Metropolitan University. Before joining the Rates.ca editorial team, she reported for the Canadian Business, the Toronto Star, the National Post, and the CBC.
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Disclaimers
*More than 50% of Rates.ca users in Ontario who obtained an auto insurance quote from January to December 2025 saw savings ranging from $250 to $1,050, with an average savings of $583.87. The average savings amount represents the difference between the users’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by Rates.ca.
**The Registered Insurance Brokers of Ontario (RIBO) is the self-regulatory organization in charge of overseeing insurance brokers working in the province. Its mandate is to protect the public by ensuring that brokers meet provincial standards for licensing, professional competence, and ethical conduct. It maintains a public database of registered brokers, which displays a broker's licensing status and their standing within RIBO.