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Updated
Burlington automobile owners are required by law to have car insurance, just like any other town in Ontario. Auto insurance is regulated by the Financial Services Regulatory Authority of Ontario (FSRA), an agency 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 own profit.
Vehicle 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/or non-earner benefits; and you may not be allowed to sue the at-fault driver for compensation.
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.
| 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 |
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The average cost of car insurance in Burlington is $1,374. The cost of premiums of the postal codes we surveyed ranged from $1,378 to $1,368. Here's a more detailed look at 2021 car insurance premiums for Burlington drivers.
| Burlington postal code | 2021 premium |
|---|---|
| L7L | $1,378 |
| L7M | $1,378 |
| L7S | $1,378 |
| L7T | $1,378 |
| L7N | $1,368 |
| L7P | $1,368 |
| L7R | $1,368 |
Burlington has low automobile insurance premiums compared to other bigger cities in Ontario. It's likely due to the collective driving habits of Burlington drivers, their average time spent on the road, the rate at which they get into accidents, and how often they report car theft, among other reasons.
| Rank | City | 2021 premium |
|---|---|---|
| 1 | Vaughan | $2,178.71 |
| 2 | Ajax | $2,104.00 |
| 3 | Richmond Hill | $2,024.75 |
| 4 | Brampton | $1,975.70 |
| 5 | Mississauga | $1,970.88 |
| 6 | Pickering | $1,958.75 |
| 7 | Toronto | $1,952.69 |
| 8 | Oshawa | $1,832.80 |
| 9 | Whitby | $1,792.00 |
| 10 | Nobleton, Schomberg, Orangeville, King City | $1,766.00 |
| 30 | Burlington | $1,373.71 |
Burlington ranks 30th among Ontario cities with the highest car insurance premium. Nestled between Toronto and Niagara Falls, the city of Burlington has a population of 186,948 (according to Statistics Canada's 2021 population census data). The city is connected to the GO Transit system, enabling commuters to easily visit Toronto. The 2021 premium was $1,373, less by $182 than Ontario's average car insurance premium of $1,555, according to RATESDOTCA Insuramap Report.
| Company name | Phone | Address | Company Type |
|---|---|---|---|
| Utter Morris Insurance Brokers | 1-905-332-7877 | 3070 Mainway, Burlington, ON L7M 3X1 | Insurance Brokerage |
| Westland Insurance | 1-905-690-7677 | 35 Main St N Suite 21, Waterdown, ON L0R 2H0 | Insurance Brokerage |
| Allstate Insurance: Burlington Agency | 1-289-812-3949 | 5111 New St Unit 12, Burlington, ON L7L 1V2 | Insurance Brokerage |
| New Street Insurance Broker | 1-647-689-3711 | 830 Harrington Ct #1b, Burlington, ON L7N 3N4 | Insurance Brokerage |
| Lowest Rates.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 |
| 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 |
| Youngs Insurance Brokers Burlington | 1-905-335-6925 | 444 Plains Rd E, Burlington, ON L7T 2E1 | Insurance Brokerage |
Here are seven ways to get cheaper car insurance in Burlington.
Here's everything you need to know about car insurance in Burlington, Ontario.
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 Burlington. 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.
RATESDOTCA provides the easiest and quickest way to compare premiums for cheap car insurance in Burlington. Check out the website for easy comparison and choose the best option available for you at the lowest cost possible.
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.
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. RATESDOTCA can help you identify the cheapest deal on auto insurance.
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.
*Shoppers in Burlington who obtained a quote on RATESDOTCA from January to December 2023 saved an average of $542 per year. The average savings represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third-lowest quoted premiums generated by RATESDOTCA.
Alexandra Bosanac has been a content manager for RATESDOTCA 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 RATESDOTCA editorial team, she reported for the Canadian Business, the Toronto Star, the National Post, and the CBC.
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