Cheap North York Car Insurance Quotes
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Jump straight to:
- Car insurance in North York
- Recent auto insurance quotes in North York
- How to get North York car insurance quotes on RATESDOTCA
- Mandatory and optional auto insurance in North York
- How much does car insurance cost in North York?
- North York car insurance rates by postal code
- Cheapest car insurance in North York
- Which companies offer car insurance quotes in North York?
- Factors that affect your North York car insurance premium
- Tips on how to get cheap car insurance in North York
- Frequently asked questions about car insurance in North York
Freelance writer
Car insurance in North York
Drivers who call North York their home, like in any city in Ontario, require auto insurance. The risk of driving without one can get you fined up to $50,000. Even though it’s not considered a criminal offense, it is an offense under the Compulsory Automobile Insurance Act of Ontario (CAIA). Other consequences could include suspension of your license, impounding of your car and other fees.
In addition, insurance providers may label you as ’high-risk’ and charge exorbitant premiums.
To get the ball rolling on finding your ideal auto insurance provider and rate, consult the following:
- An insurance broker. This person sells North York car insurance but represents multiple insurance firms.
- An insurance agent. An agent usually represents one firm.
- A direct writer. This is someone who sells their own auto insurance
- A quote comparison website. Sites like RATESDOTCA where you can get the cheapest quotes from the top North York car insurance companies in just a few clicks. It’s free and simple.
Recent auto insurance quotes in North York
How to get North York car insurance quotes on RATESDOTCA
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I have never submitted a claim for any policy's I have had ON MY TRAVELS. (I hope iI never have to.) So that part I can't comment on. If I ever need to submit will know how efficient it goes. thank you
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Mandatory and optional auto insurance in North York
| 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. | 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 North York?
According to the RATESDOTCA Insuramap data, the average car insurance rate in North York is $2,173 per year, or about $181 per month.
That’s about 24% higher than the provincial average auto insurance average of $1,655. Although North York has a robust public transportation system and access to carsharing options, North York has some of the busiest roads and highways in the province. In fact, Highway 401, which passes through North York and the GTA, is the busiest highway in North America. More traffic equals more claims, and not before long, higher premiums.
North York car insurance rates by postal code
| POSTAL CODE | ANNUAL PREMIUM | POPULATION |
|---|---|---|
| M2N | $1,652 | 75,100 |
| M2J | $1,810 | 61,761 |
| M6M | $2,238 | 42,148 |
| M3N | $2,746 | 40,846 |
| M2R | $2,060 | 40,581 |
| M3C | $2,060 | 39,616 |
| M3H | $2,238 | 38,416 |
| M3A | $2,204 | 34,361 |
| M2M | $1,810 | 31,915 |
| M3J | $2,685 | 266,00 |
| M9N | $2,685 | 26,059 |
| M2K | $1,810 | 25,377 |
| M3M | $2,170 | 24,906 |
| M9M | $2,746 | 24,245 |
| M2H | $1,810 | 23,396 |
| M6A | $2,170 | 22,380 |
| M3L | $2,685 | 19,263 |
| M4N | $1,810 | 16,058 |
| M4A | $2,534 | 14,589 |
| M3B | $1,810 | 12,880 |
| M9L | $2,623 | 11,737 |
| M2L | $1,810 | 11,274 |
| M3K | $2,170 | 7,865 |
| M2P | $1,810 | 7,546 |
Average insurance premium numbers are according to data from RATESDOTCA Insuramap (gathered in 2022).
Population data are according to data from Statistics Canada, 2021 Census
Cheapest car insurance in North York
Postal codes starting with M2N in North York have the cheapest average auto insurance rate, at $1,682 per year. Postal codes starting with M9M and M3N have the most expensive average car insurance rate, at $2,746 per year.
The area with M2N postal codes is a relatively save neighbourhood around what used to be North York’s downtown before the city merged with Toronto. While densely populated, with many high-rise condos in the area, there are many transportation options – not just driving. Several subway stations lie within the area, and many amenities and shopping options are available, making car use less desired.
M9M and M3N are within the Humber-River Black Creek areas of North York, which have higher crime rates and denser population.
Of the more than 108,000 people living in the area, over 64,000 are new Canadians. This could mean higher auto insurance rates for drivers who have little experience behind the wheel in Canada and are considered ‘high-risk.’
Which companies offer car insurance quotes in North York?
| Company name | Company type | Phone number | Address |
|---|---|---|---|
Allstate Insurance – Toronto Centre Agency | Insurance agency | 647-362-5402 | 9-11 27 Rean Dr, North York, ON M2K 0A6 |
Axion Insurance Services | Insurance agency | 416-398-8514 | 1315 Finch Av W, North York, ON M3J 2G6 |
Bedrock Insurance Brokers | Insurance agency | 416-907-2130 | 302-333 Wilson Ave, North York, ON M3H 1T2 |
Deerborne Insurance | Insurance agency | 416-223-9000 | 200-185 Bridgeland Ave, North York, ON M6A 1Y7 |
Quotes comparison | 1-855-821-7312 | 225 King St W, Suite 1000, Toronto, ON, M5V 3M2 | |
Levitt Insurance Brokers | Insurance broker | 416-512-8060 | 119-5050 Dufferin St, North York, ON M3H 5T5 |
Quotes comparison | 1-855-487-6911 | 401-1910 Yonge St, Toronto, ON M4S 3B2 | |
Quotes comparison | 1-844-726-0907 | 225 King St W, Suite 1000, Toronto, ON, M5V 3M2 | |
RBC Insurance | Insurance company | 416-510-3050 | 6142-1090 Don Mills Rd, North York, ON M3C 3R6 |
Insurance broker | 1-866-456-6620 | 22-300 Lincoln St, Welland, ON L3B 4N4 |
Many factors can affect the rates you pay for North York car insurance. Here are some of them:
- Your driving record & habits. It stands to reason that a good driving record with few to no claims (or infractions) will be looked at favourably by North York insurance companies, leading to cheaper rates due to perceived lower risk.
- Your vehicle. Your car can affect your auto insurance premium as well. Higher-priced models that are also expensive to maintain or replace could come with a higher insurance price tag. They may also catch the eye of thieves. Cars with safety features, such as alarms or anti-theft devices, that are easier to maintain could help reduce your rates too.
- Where you live. Location is an important factor when it comes auto insurance premiums. Low-crime neighbourhoods that have less congestion could see lower rates than higher-crime areas, where theft and vandalism are more common.
- Your age and gender. North York auto insurance companies tend to give higher rates to younger and less experienced drivers. Males under the age of 25 are considered the highest risk drivers. Staying safe and maintaining good driving habits will help you reduce rates as you gain more experience.
Tips on how to get cheap car insurance in North York
To lessen the impact of some of the above-listed factors, here are some steps you can take:
- Compare insurance rates. Comparison shopping is always a great place to start when looking for cheap car insurance in North York. Sites like RATESDOTCA can instantly show you quotes from top car insurance companies in your area – for free. Alternatively, you could talk to a broker to find cheap rates or speak directly to companies in your area.
- Drive safely & ensure a clean record. A clean driving record indicates to car insurers how risky you are as a driver. The better your record, the lower risk you are to them and the cheaper your insurance will be. On the flipside, bad habits that lead to traffic tickets, demerit points, or worse, accidents, can negatively affect your insurance rates.
- Drive a ‘safer’ car. The fewer claims you file, the lower risk you are to your insurance provider. That’s why driving a ‘safe car’ can lead to discounts and fewer problems. Cars with anti-theft devices, anti-lock brakes and snow tires, for example, can help reduce your premiums.
- Bundle all your insurance policies. One of the best ways to reduce your auto insurance premiums is to bundle it with other insurance products such as your home insurance policy, from the same provider. North York auto insurance companies appreciate your loyalty and pass along the administrative savings to you. And it’s not just for you. If you have multiple people under one roof using insurance, you can save on their costs as well.
- Be selective about your coverage. Make sure to assess your needs before selecting your insurance policy, or even at renewal time. It is possible to be over-insured, so make sure you are getting only the coverage you need for your specific driving situation.
- Have consistent driving history. Consistency is a great way to keep your insurance rates down. A good record, over time, with few to no claims lets your provider know you are a negligible risk to them. Most North York insurance companies will reward clients for their good driving history.
- Try a usage-based insurance program. Usage-based insurance (or UBI) can significantly lower your insurance rate, provided you drive safely. This allows North York insurance providers to monitor your speed, acceleration and other driving functions. It can be done through a company app or a device that attaches to your car. Your premium is then determined based on your good (or bad) driving habits.
Frequently asked questions about car insurance in North York
Need more information on North York car insurance? We got you covered.
Which company has the cheapest car insurance in North York?
Unfortunately, there’s no way to accurately pinpoint the ‘cheapest’ car insurance company, as your rates will depend on a number of highly individualized factors, including your driving record, vehicle, needs and location. You can start with a comparison of different auto insurance rates on RATESDOTCA, offered by the top providers in your area. That should point you in the right direction.
Can I get month-to-month car insurance in North York?
North York insurance companies do not offer month-to-month car insurance. Some may offer six-month policies, but they are far and few between – one-year policies are the most common.
How do I get car insurance as a new driver in North York?
Most North York insurance providers will offer higher rates to young drivers (especially those between 16 and 24), given their lack of experience and, sometimes, risky behaviour.
You can talk to your insurance broker or direct writer about it. You should also consider the following to keep your rates as low as possible:
- Drive under the same policy as the parent or guardian. Instead of getting your own car, you can use your parent or guardian’s car and acquire insurance as part of their policy.
- Enroll in a driving course. This has two benefits to it. It teaches you good habits and strategic driving, while at the same time helping you secure lower auto insurance premiums.
- Drive regularly. Consistent clean driving is something your insurance provider will always look at. Just like having a credit card, you must build a record. Once you do, and so long as it’s accident- and claims-free, you will be able to secure a good auto insurance rate.
What if I’m a new driver, but a little on the older side?
If you are older, but new to driving, the above suggestions can help as well. Learn driving in a class for better habits, drive consistently and drive under an experienced person’s policy. Over time, your rates will eventually come down.
Is ridesharing insurance available in North York?
Yes, it is. However, if you intend to use your personal vehicle for ridesharing, you must inform your car insurance provider first.
Here’s a list created by the Financial Services Regulatory Authority of Ontario (FSRA) that shows all the approved ridesharing companies and corresponding insurers:
- EZ Ride | Northbridge General Insurance Corporation
- Facedrive | Northbridge General Insurance Corporation
- Lyft | Aviva Insurance Company of Canada
- M Ride Inc. | Northbridge General Insurance Corporation
- NRT OnDemand | Hartford Fire Insurance Company of Canada
- RideCo | Northbridge General Insurance Corporation
- Uber | Economical Mutual Insurance Company
- Uride | Northbridge General Insurance Corporation
- Wilma | Northbridge General Insurance Corporation
- Y Drive | Northbridge General Insurance Corporation
- Zoom Innovators Inc. | Northbridge General Insurance Corporation
Note that drivers, car owners and passengers who use any of the above-listed services are automatically covered as soon as the ridesharing app is on. Once the app is off, the vehicle owner’s personal insurance applies.
*Shoppers in North York who obtained a quote on RATESDOTCA from January to December 2023 saved an average of $862 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.
Freelance writer
Joel Kranc, Freelance writer
Joel Kranc is a freelance writer and content provider who has worked with RATESDOTCA since 2019. He holds an MA in political science from the University of Toronto and a film certificate from New York University.
He has been published in and worked for such companies as CNN, Rogers Media, Institutional Investor Magazine, The Globe and Mail, Infrastructure Investor, BenefitsPRO Magazine, Global Finance Magazine, With Intelligence, the CPP Investment Board, Hospitals of Ontario Pension Plan, and many more financial services and industry publications.
He is the author of "Retirement Planning in 8 Easy Steps," which, when released in 2015, was No. 11 on the Publisher's Weekly US Bestseller List for Business and Finance, beating out Mark Cuban's "How to Win at the Sport of Business."
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