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Written by Alexandra Bosanac

Car insurance in Pickering

Pickering follows Ontario's auto insurance system, which is a limited no-fault system.

Under a no-fault system, drivers involved in a collision don't deal with the other party's insurance company. Your insurance company is responsible for paying your liability and accident benefits, even if you caused the accident.

Ontario adopted the no-fault system in the early '90s to ensure drivers get the financial support they need in a timely and efficient manner.

Before then, injured drivers had to take the other party to court to get financial compensation. It placed the responsibility on aggrieved parties to sue at-fault drivers for financial compensation.

Under a pure no-fault system, injured drivers have no ability to sue for damages on top of their claim payment. But with limited no-fault, as in Ontario, you are allowed to sue for things like pain and suffering and economic losses. However, you must prove that your damages exceed a certain financial threshold for the case to go forward.

But don't be mistaken by the term "no-fault." You can still be found at fault for causing an accident, and Ontario has extensive fault determination rules. If your insurance company determines that you were responsible for an accident, they'll administer penalties that range from a premium increase to cancelling your coverage. Multiple at-fault accidents will make it difficult to find an insurance company that will take you as a customer.

Mandatory and optional auto insurance in Pickering

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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Recent auto insurance quotes in Pickering

Shopper from PICKERING, ONTARIO
2019 INFINITI QX60 PURE 4DR AWD November 29, 2022
$ 5,866
Per year
Cheapest Rate
$ 9,403
Per year
Average Rate
$ 3,537
or
38 %
in savings
Shopper from PICKERING, ONTARIO
2017 HONDA CR-V TOURING 4DR AWD November 29, 2022
$ 1,298
Per year
Cheapest Rate
$ 2,535
Per year
Average Rate
$ 1,237
or
49 %
in savings

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How much does car insurance cost in Pickering?

The average cost of car insurance in Pickering was $1,959 per year in 2021, according to the RATESDOTCA Insuramap.

Many cities saw large reductions in premiums during the pandemic, but the trend was more muted in Pickering. Car insurance rates only fell by 0.1% year-over-year. By comparison, rates in Brampton and Markham fell by 26.8% and 21.5%, respectively.

Based on the forward sortation areas (FSA) we surveyed — the geographical area delineated by the first three letters of your postal code— the highest car insurance premiums in Pickering are in the L1V, L1W, and L1X areas. Here, car insurance costs $2,023 per year.

The Pickering FSA that pays the least is L1Y, where insurance is $1,766 per year or $257 less.

How does Pickering's average car insurance rate compare to other cities in Ontario?

Pickering is one of the most expensive cities for car insurance, according to the RATESDOTCA annual ranking of cities by insurance premiums.

This city, located east of Toronto in Durham region, made the top 10 in 2021 and in 2020.

In 2020, it was number nine on the list, but the following year, it climbed up a few spots to number six, putting it squarely into the middle of the pack.

It's joined by a few other major cities in the region: Ajax (second most expensive), Oshawa (eighth most expensive), and Whitby (ninth most expensive).

Rank City Average 2021 premium
1. Vaughan $2,179
2. Ajax $2,104
3. Richmond Hill $2,025
4. Brampton $1,976
5. Mississauga $1,971
6. Pickering $1,959
7. Toronto $1,953
8. Oshawa $1,833
9. Whitby $1,792
10. Nobleton, Schomberg, Orangeville, King City $1,766

Each day, thousands of Durham residents commute to Toronto for work. The more time you spend on the road, the higher your premium and vice versa. But even though the city borders Toronto, allowing for a shorter commute to downtown Toronto, Pickering's car insurance rates are not the cheapest within this vast suburb.

There could be other things in play that could explain Pickering's high insurance rates.

For example, Oshawa and Whitby are home to more seniors aged 60 to 90 than all the other municipalities in Durham.

Seniors get some of the cheapest car insurance rates, which brings the overall average down.

Which companies offer car insurance quotes in Pickering?

Company Company type Phone number Address
Allstate Insurance: Pickering Agency Agency 289-277-1203 570 Kingston Rd #9, Pickering, ON L1V 1A6
BrokerLink Brokerage 905-422-0110 1099 Kingston Rd #234, Pickering, ON L1V 1B5
CAA Store - Pickering Agency 289-372-6371 1099 Kingston Rd Unit 4A, Pickering, ON L1V 1B5
First Durham Insurance & Financial Ltd. Brokerage 1-800-387-4189 1920 Bayly St, Pickering, ON L1W 3R6
InsuranceHotline.com Quote comparison 1-855-821-7312 360 Adelaide St W suite 100, Toronto, ON M5V 1R7
Intact Insurance Agency 1-844-489-3768 59 Westney Rd S #8, Ajax, ON L1S 2C9
LowestRates.ca Quote comparison 1-855-487-6911 1910 Yonge St Suite 401, Toronto, ON M4S 3B2
RATESDOTCA Quote comparison 1-844-726-0907 360 Adelaide St W suite 100, Toronto, ON M5V 1R7
RBC Insurance Agency 1-905-420-7929 670 Kingston Rd #108, Pickering, ON L1V 1A6
Scoop Insurance Brokerage 1-866-456-6620 300 Lincoln St unit 22, Welland, ON L3B 4N4

What factors affect your Pickering car insurance premium?

A multitude of factors influence your car insurance premiums, and insurers will assign a different weight to each one; no insurance company's underwriting guidelines are exactly the same as another's.

We've shortlisted the ones that, across all insurance providers, impact your premium the most.

Driving record 

The longer you've had a licence — and crucially, not received a driving conviction — the cheaper your car insurance will be.

Inexperienced drivers and ones with a checkered driving history pay the highest rates.

What counts as a 'good history?' It means you haven't been convicted of speeding, driving under the influence, or driving without a licence. (But don't worry, parking tickets won't count.)

Driving convictions stay on your record for about six years.

Insurance history

Being a long-time policyholder will result in lower premiums. Being older often benefits you, as insurance companies view older adults as safer drivers. Unfortunately, drivers in their teens and twenties haven't had time to build an insurance history and are hit with some of the highest premiums of any demographic.

Car make and model

Insurance for cars decked out with the latest features is much costlier than coverage on an entry-level one.

It comes down to repair and replacement costs. The more expensive the car, the more it costs to repair or replace.

But even humble car models can be expensive to insure relative to other cars on the road because of theft.

For example, in 2022, Honda CR-Vs and Accords were targeted for their catalytic converters by thieves. A global shortage of precious metals, which converters are made from, is attributed to the increase in thefts.

Optional car insurance coverage

Purchasing more coverage than is legally required in Ontario will increase your car insurance premium.

Sometimes buying more insurance is a good investment.

For example, many Ontario drivers purchase the mandatory minimum amount of liability insurance ($200,000).

But experts recommend buying at least $1 million in liability since the cost to access legal counsel has increased in recent years. Increasing your accident benefits is also a sound investment, as medical costs have risen, as well.

If you're looking for areas to cut back on, consider whether you really need collision or comprehensive insurance. Unless your car is financed or leased, or its model year is less than three years old, it might be cost-effective to pay for repairs or a replacement out of pocket.

Before you make any decisions, consult an insurance professional.

Neighbourhood

Insurance companies rate drivers based on territory, the boundaries of which are defined by forward sortation areas (FSA). These are the first three letters of your postal code that signal a geographical area).

Your premium is affected by the other policyholders that reside in the same FSA. If many of your neighbours are filing insurance claims, your rate will be negatively impacted. If the opposite is true, your premium will be cheaper.

Tips to get cheap car insurance in Pickering

1) Compare quotes

The Ontario and Canadian governments recommend comparison shopping before you decide on a car insurance company.

Rates comparison websites like ours have made it easier to follow that advice.

Enter your postal code, and in less than three minutes, we'll have sourced quotes from the leading insurance companies serving Pickering, ordering them from lowest to highest.

2) Increase your deductible

You can offer to share some of the risks your insurer takes on by extending coverage to you. How? By offering to pay a larger deductible. This refers to the amount you are required to pay before your insurance company chips in with the rest of your benefit.

Offering to pay a higher deductible means the insurer saves some money and also gives you an incentive to continue being a safe driver.

3) Buy an appropriate amount of insurance

Buying more liability and accident insurance is often a wise idea, but there are other coverage types that you'd really be better off getting rid of.

This includes coverage like comprehensive and collision insurance.

However, you might be required to carry these covers if you're leasing or financing a vehicle and getting rid of them would violate your contract.

It's always best to work with an insurance professional when adjusting your coverage levels.

4) Drive less

Consider substituting some of your driving with public transportation.

The less often you use your car, the less it will cost to insure.

This advice is easier to act on than ever, given the number of offices offering hybrid schedules.

If your workplace has transitioned to full-time or part-time remote work and you haven't already told your insurance company, make sure you do — it could help reduce your premium.

5) Bundle home and auto insurance

Bundling home and auto coverage with the same company can reduce your annual insurance costs by up to 15%.

6) Try telematics

Several insurance providers in Ontario now offer telematics programs.

Telematics refers to technology that insurers can use to monitor your driving habits, like how hard you brake, your average speed, what time of day you do most of your driving, and the number of kilometres you drive.

Being a good driver could reduce your car insurance by up to 25% when it renews.

Just be aware that in Ontario, insurers can use telematics data to penalize you (i.e., raise your premium).

7) Pay for the year upfront

Insurance companies offer discounts to policyholders who pay their annual premiums upfront at renewal.

8) Apply for discounts

Discounts are available for drivers just for being an alumnus of a post-secondary institution or their involvement in a professional association or union.

Current high school and post-secondary students can save, too, by maintaining a strong grade point average.

9) Avoid additional drivers 

Adding a secondary driver to your vehicle can be detrimental to your premium.

If a member of your household only uses the car on rare occasions, consider delisting them as a secondary driver.

10) Buy an endorsement 

Endorsements are optional car insurance coverages that amend the terms of your insurance policy.

Some endorsements exist that can lower your premium by reducing your coverage in a certain area.

For example, you can waive coverage for glass repair in exchange for a lower premium.

Talk to an insurance professional about whether this tactic makes sense for your needs.

Frequently asked questions about Pickering car insurance

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

Which company has the cheapest car insurance in Pickering?

No insurance company offers a flat-rate rate to all its customers.

Premiums are determined by how much risk an individual presents to insure.

The price offered by one company could be vastly different from what your friends and family pay.

The best way to find out which company offers the cheapest rate is to compare quotes from multiple companies.

What are the best car insurance companies in Pickering?

Given how different car insurance is from other goods and services, the answer to that question will be different for everyone.

Compare car insurance companies to see which can offer enough protection at the lowest price.

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

Unlike pay-as-you-go phone plans, month-to-month car insurance doesn't exist in Ontario.

Insurance companies require a one-year commitment in exchange for covering you.

Some insurers offer terms of six months, but they're few and far between.

You could purchase a one-year insurance policy and terminate it when you don't need it, but you will be charged a fee for doing so (and it won't be an insignificant one, either).

A better alternative is probably usage-based insurance, a fairly new product in Canada geared toward low-mileage drivers.

You pay for a set number of kilometres (usually 10,000 km or less) and then pay extra for every additional 1,000 km you drive. Installing a device that monitors your car usage is a requirement.

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

The same way any other driver would.

The traditional approach for obtaining insurance is to go to an insurance agent or broker.

Now, you can compare multiple insurance companies and brokerages in one go using a rates comparison site like RATESDOTCA.

We make insurance agencies and brokerages compete for your business. Start a quote on RATESDOTCA and see which company or broker offers your lowest rate.

Is ride sharing insurance available in Pickering?

Yes, ride-sharing insurance is available throughout Ontario.

All legal rideshare companies in the province offer insurance to drivers.

For example, Uber offers drivers ridesharing insurance through its platform, which is underwritten by Economical insurance. If you're not with Economical Insurance for your personal policy, don't worry. It won't conflict with your personal policy.

Rideshare platforms have partnered with insurers to provide commercial insurance coverage from the moment you turn the app to when you turn it off. When you're not logged into the app, your personal insurance applies.

The Financial Services Regulatory Authority of Ontario (FSRA) maintains a list of all the recognized rideshare apps and the insurance companies that underwrite their driver policies:

  • Facedrive – Northbridge General Insurance Corporation
  • Lyft – Aviva Insurance Company of Canada
  • RideCo – Northbridge General Insurance Corporation
  • Uber – Economical Mutual Insurance Company
  • Uride – policy provided by Northbridge General Insurance Corporation
  • NRT OnDemand – Hartford Fire Insurance Company of Canada
  • Zoom Innovations Inc. – Northbridge General Insurance Corporation
  • Y Drive - Northbridge General Insurance Company
  • M Ride Inc. - Northbridge General Insurance Company

*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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