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How much does car insurance cost in Richmond Hill in 2026?
In 2026, the average car insurance premium in Richmond Hill is $2,491 per year (about $208 per month). Premiums in Richmond Hill are 6.1% lower than the provincial average of $2,653. This makes Richmond Hill 163rd 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: Richmond Hill car insurance
- Drivers in Richmond Hill pay an average of $208 per month and $2,491 per year for car insurance.
- Richmond Hill is 163rd out of 181 Ontario communities for car insurance affordability.
- Rates vary by postal code within Richmond Hill. Premiums are lowest in N0G at $2,041 and highest in L4B at $2,742.
- 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.
Richmond Hill auto insurance rates compared to the GTA
According to Rates.ca data, drivers in Richmond Hill pay about $2,491 per year for auto insurance as of March 2026.
Drivers here pay premiums that are higher than in Burlington, which is the cheapest city for car insurance in the GTA at $2,109 per year.
However, insurance costs in Richmond Hill are lower relative to the premiums in Brampton, the most expensive city in the region at $3,802 per year.
Compared to the GTA’s overall average premium ($3,072), car insurance rates in Richmond Hill are 18.91% lower.
Car insurance premiums depend on many factors, such as the number of claims in an area, the amount of time drivers spend on the road, and each driver’s personal and insurance history.
Richmond Hill vs. the GTA: average car insurance rates (2026)
| Rank | City | Annual premium | Difference vs. Richmond Hill (%) |
|---|---|---|---|
| 1 | Burlington | $2,109 | -15.34% |
| 2 | Oakville | $2,167 | -13.01% |
| 3 | Uxbridge | $2,175 | -12.69% |
| 4 | Port Perry | $2,193 | -11.96% |
| 5 | Whitchurch-Stouffville | $2,203 | -11.56% |
| 6 | Newcastle | $2,235 | -10.28% |
| 7 | Sunderland | $2,260 | -9.27% |
| 8 | Orono | $2,269 | -8.91% |
| 9 | Newmarket | $2,275 | -8.67% |
| 10 | Halton Hills | $2,317 | -6.99% |
| 11 | Georgina | $2,380 | -4.46% |
| 12 | Milton | $2,384 | -4.30% |
| 13 | Aurora | $2,397 | -3.77% |
| 14 | East Gwillimbury | $2,399 | -3.69% |
| 15 | Bowmanville | $2,407 | -3.37% |
| 16 | Courtice | $2,435 | -2.25% |
| 17 | Whitby | $2,483 | -0.32% |
| 18 | Richmond Hill | $2,491 | 0.00% |
| 19 | Oshawa | $2,559 | 2.73% |
| 20 | Pickering | $2,650 | 6.38% |
| 21 | Ajax | $2,692 | 8.07% |
| 22 | Caledon | $2,794 | 12.16% |
| 23 | Downtown Toronto | $2,888 | 15.94% |
| 24 | King City | $2,894 | 16.18% |
| 25 | Markham | $2,900 | 16.42% |
| 26 | Mississauga | $3,078 | 23.56% |
| 27 | Scarborough | $3,180 | 27.66% |
| 28 | East York | $3,207 | 28.74% |
| 29 | Vaughan | $3,259 | 30.83% |
| 30 | Etobicoke | $3,277 | 31.55% |
| 31 | North York | $3,348 | 34.40% |
| 32 | Brampton | $3,802 | 52.63% |
GTA average premium: $3,072
Updated March 2026
Richmond Hill car insurance rates by postal code
The lowest average premium in Richmond Hill is found in the N0G area, where drivers pay $2,041 annually. Meanwhile, drivers in L4B have the highest average premiums at $2,742 per year.
Car insurance rates in Richmond Hill vary by postal code. Differences in neighbourhood characteristics — such as claims frequency, collision rates, theft patterns, and traffic density — influence what drivers in any given area pay, since insurers use these factors to predict how likely customers will be to file a claim.
Richmond Hill car insurance: average premiums by postal code (2026)
| Rank | Postal code | Annual premium | Monthly premium |
|---|---|---|---|
| 1 | N0G | $2,041 | $170 |
| 2 | L4S | $2,461 | $205 |
| 3 | L4E | $2,644 | $220 |
| 4 | L4C | $2,742 | $229 |
| 4 | L4B | $2,742 | $229 |
Why we don't show complete postal codes
The first three characters of your postal code signfy the forward sortation area (FSA). An FSA covers a specific geographic region used to sort and deliver mail. Each FSA contains multiple postal codes.
Auto insurers also use FSAs to understand risk in an area. For example, if an FSA has more accidents or vehicle thefts than average, insurers may see that area as higher risk. This can lead to higher insurance premiums for people who live there.
We look at premiums at the FSA level because it shows clearer, more reliable pricing patterns. Since each FSA contains many postal codes, using the whole FSA helps smooth out small differences between individual addresses and gives a more accurate view of trends in your area.
Recent auto insurance quotes in Richmond Hill
Recent auto Insurance Quote from Richmond hill, Ontario
Male, 24 years old
2020 MERCEDES-BENZ C300 4MATIC 4DR
June 23, 2026
Cheapest Quote
$ 440 / month
$ 5,282 / yearAverage Quote
$ 697 / month
$ 8,368 / yearSavings
$ 257 / month
$ 3,086 / year
37 %
Recent auto Insurance Quote from Richmond hill, Ontario
Female, 67 years old
2026 KIA CARNIVAL LX+ HEV
June 23, 2026
Cheapest Quote
$ 261 / month
$ 3,130 / yearAverage Quote
$ 484 / month
$ 5,803 / yearSavings
$ 223 / month
$ 2,673 / year
46 %
Recent auto Insurance Quote from Richmond hill, Ontario
Female, 38 years old
2019 LAND ROVER RANGE ROVER VELAR SE R-DYN V6 4DR AWD
June 23, 2026
Cheapest Quote
$ 359 / month
$ 4,307 / yearAverage Quote
$ 510 / month
$ 6,117 / yearSavings
$ 151 / month
$ 1,810 / year
30 %
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 Richmond Hill
| 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 |
There are many factors that can affect your auto insurance premiums in Richmond Hill. Here are some of the biggest ones:
- Your driving record. Having a clean driving record can be the difference between expensive and cheap insurance premiums in Richmond Hill.
It’s important to stay free of infractions, such as speeding, driving while intoxicated and driving without a license, as much as possible. Yes, it’s difficult to maintain a clean record, but it’s even more difficult to clean it once you’ve had an infraction. If you’re convicted under the Highway Traffic Act, the conviction will remain on your record for six years.
- Your insurance history. Most auto insurance companies in Richmond Hill use your past behaviour as a predictor of future behaviour. That’s why a claims-free past involving safe habits will help you secure cheaper auto insurance premiums going forward.
Some drivers, like teens and those in their early 20s, have no history and will pay more for the risk factor they bring to the insurance company. Their best options are to build that history with as clean a record as possible, pay their premiums on time and be honest about the vehicle they are insuring.
- Your coverage. There is such a thing as ‘over-coverage.’ Be sure to only take out the insurance you need, plus what is required by the Ontario government.
There are scenarios where it makes sense to take out more insurance, such as if your car is less than three years old and if repairs for it would be costly. Legal expenses and medical costs can be pricey too, so additional insurance may be a prudent way to go, if you want to save money in the long run.
- Your neighbourhood. Where you live will make a difference in your Richmond Hill car insurance premiums. A high-crime area can be a risk factor, and your insurance provider can charge you more for living in one. Areas that have high car accident claims will affect you in a similar fashion. To determine your premiums, your insurance provider will use your forward sortation area (FSA), which is indicated by the first three letters/digits of your postal code.
- Your commute. More time on the road means more chances for accidents or infractions. That’s why longer commutes will likely mean higher car insurance rates versus shorter, occasional ones.
Tips on how to get cheap car insurance in Richmond Hill
To mitigate some of the factors listed above and avoid paying an unnecessarily high insurance premium in Richmond Hill, or anywhere else, consider doing the following:
- Compare quotes. Comparison shopping on Rates.ca can help you find the cheapest car insurance rates in minutes. You’ll receive quotes from more than 50 of the top providers in the area. All it takes is a few bits of information, at no cost at all.
- Increase your deductible. By agreeing to increase your deductible, and thus, taking some of the risks and expenses away from your insurer, you can secure a cheaper premium.
- Get the appropriate amount of coverage. Avoid over-coverage at all costs. If you have an older car, for example, that’s not worth repairing, then collision or comprehensive coverage may not be right for you.
- On the other hand, purchasing more liability insurance and accident benefits is a good idea as opposed to only carrying the provincially mandated minimum. Talk to your insurance professional about the amount of coverage that’s right for you.
- Drive less. It stands to reason that the less you drive, the less chance there is for accidents or claims. If possible, keep off the road, and you’ll reduce your insurance premiums.
- Bundle home and auto insurance. Bundling home and auto coverage with the same insurance company can reduce your annual insurance costs by up to 15%.
- Try telematics. Your insurance company can install a telematics device on your vehicle to monitor your driving behaviour. If you're able to demonstrate you're a safe driver, your insurance company will reward you with a reduced premium at renewal. The savings can be quite high – up to 25%, in some cases. Unfortunately, Ontario insurance providers can raise rates based on the analytics of your driving habits. So, make sure you are a consistently safe driver before allowing telematics to be installed on your car.
- Pay for the year upfront. Paying premiums on a month-to-month basis incurs administrative costs for your insurance provider. Paying upfront will pass the cost savings down to you.
- Apply for discounts. Many car insurance companies provide discounts for people belonging to alumni or professional associations. Ask your Richmond Hill car insurance provider if such a program exists.
- Avoid additional drivers. Additional drivers on your policy means additional risks and costs. If possible, have them on their own policy or ask for them to chip in on your policy premiums.
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Frequently asked questions about car insurance in Richmond Hill
Need more information on Richmond Hill car insurance? We got you covered.
Richmond Hill car insurance rules and regulations you need to know
Car insurance is mandatory in all provinces and territories in Canada, so if you plan to drive in Richmond Hill, Ontario, you will need to get it. Hopefully, it will also meet your budgetary and driving needs.
The Financial Services Regulatory Authority of Ontario (FSRA) was created to help protect consumers in Ontario when it comes to insurance and similar services. It replaced the Financial Services Commission of Ontario (FSCO) and the Deposit Insurance Corporation of Ontario (DICO). FSRA oversees insurance regulations in the province and has the power to approve or decline car insurance rate requests. As of March 2023, FSRA regulated or registered 290 insurance companies, 68,956 insurance agents, 6,838 corporate insurance agencies and 1,852 insurance adjusters.
Finding cheap insurance in Richmond Hill starts with knowing the players in the business. Here are the four major types of players:
- An insurance broker. Is an independent person who partners with multiple insurance companies. A broker can offer choice in terms of products and help you secure the best rates from the choices offered.
- An insurance agent. Is a person who sells insurance from one company. An agent may know their product well but can’t offer you other choices or price points.
- A direct writer. A direct writer offers policies from a single insurance provider (or they may be the provider themselves). The agents that sell for a direct writer are limited in the options they can provide by the coverages that their company offers.
- A quote comparison website. Sites like Rates.ca offer price comparisons from several top insurance companies in your area at once. It takes just a few minutes to input your data and receive the cheapest auto insurance quotes you can find. Best of all, it’s free to use.
Which company has the cheapest car insurance in Richmond Hill?
Car insurance varies from driver to driver. Because your circumstances are different from everyone else due to your specific driving history, location, commuting time and so on, your premiums will be different as well.
To find the cheapest car insurance premium for you, compare quotes on a site like Rates.ca, which aggregates more than 50 quotes from top insurance providers in Canada.
Can I get month-to-month car insurance in Richmond hill?
No. Month-to-month insurance coverage isn't available in Richmond Hill. However, select insurance companies offer policies that are six months long instead of the usual term of one year.
Drivers needing month-to-month coverage should consider other options, such as a pay-as-you-go policy, having another driver add you to their policy or purchasing a six-month plan.
How do I get car insurance as a new driver in Richmond Hill?
It’s the same as an experienced driver. Talk to a broker or agent or compare quotes on Rates.ca.
Unlike agents, Rates.ca can compare more than 50 quotes from leading insurance providers in just three minutes. That way, you’ll find the coverage that meets your needs, accompanied by the cheapest rates in your area, for free.
Is ridesharing insurance available in Richmond Hill?
Ridesharing insurance is available throughout Ontario, including Richmond Hill, and all legal rideshare companies in the province offer insurance from their own providers.
Commercial insurance coverage applies from the moment you turn on the app. When you're not logged on, your personal insurance kicks in.
The FSRA maintains a list of all the recognized rideshare apps and the insurance companies that underwrite their driver policies. Here’s the list:
- 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
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Joel Kranc, Freelance writer
Joel Kranc is a freelance writer and content provider who has worked with Rates.ca 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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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.