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Car insurance in Burlington

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.

Mandatory and optional auto insurance in Burlington

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

Recent auto insurance quotes in Burlington

Shopper from BURLINGTON, ONTARIO
2022 TOYOTA RAV4 LIMITED HYBRID 4DR AWD November 29, 2022
$ 3,675
Per year
Cheapest Rate
$ 5,854
Per year
Average Rate
$ 2,179
or
37 %
in savings
Shopper from BURLINGTON, ONTARIO
2017 HONDA CIVIC SPORT 4DR HATCHBACK November 28, 2022
$ 4,197
Per year
Cheapest Rate
$ 6,839
Per year
Average Rate
$ 2,642
or
39 %
in savings

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How much does car insurance cost in Burlington?

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.

How do Burlington's car insurance rates compare to other cities in Ontario?

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.

Which companies offer car insurance quotes in Burlington?

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

What factors affect your Burlington car insurance premium?

Automobile insurance is subject to certain factors that can increase or decrease vehicle owners' costs. Some of the major factors considered are 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 Burlington:

  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, Burlington 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 on getting cheap car insurance in Burlington

Here are seven ways to get cheaper car insurance in Burlington.

  1. Compare quotes: Of course, the easiest way to save money is to compare auto insurance quotes on RATESDOTCA.
  2. Use the Burlington 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: 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 will 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 Burlington

Here's everything you need to know about car insurance in Burlington, Ontario.

Which company has the cheapest car insurance in Burlington?

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.

What are the best car insurance companies in Burlington?

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.

Can I get month-to-month car insurance in Burlington?

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 Burlington?

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.

Is ride-sharing insurance available in Burlington?

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 Ontario who obtained a quote on RATESDOTCA and transacted via our contact centre from July to December 2021 saved an average amount of $772. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by RATESDOTCA.

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