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Find Cheap Car Insurance in Vaughan

Vaughan drivers save $774* on average by comparing car insurance quotes on RATESDOTCA.

Compare Vaughan car insurance quotes from top providers

CAA
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Economical
Travellers
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Written By Taras Trofimov

Updated

Car insurance in Vaughan

By law, all drivers in Ontario must have valid car insurance, and the city of Vaughan is no exception.

Whether you own, lease or drive a vehicle, you must carry valid auto insurance. Otherwise, you are looking at a fine ranging from $5,000 to $50,000, in addition to a driver’s license suspension and vehicle impoundment. If that’s not enough, car insurance companies can label you as ‘high-risk’ and start charging you a higher premium.

So, don’t break the law. Purchase your auto insurance.

Thankfully, in Ontario, and by extension, Vaughan, you have plenty of choices. You can start by researching the following:

  • Insurance brokers. People who sell insurance on behalf of multiple insurance companies.
  • Insurance agents. People who sell insurance from one company.
  • Direct writers. People who sell their own insurance services.
  • Quote comparison websites. Services that allow consumers to compare auto insurance rates in their area. An example of this is RATESDOTCA, which you can use to get quotes and score the cheapest rate possible.

Recent auto insurance quotes in Vaughan

Recent Auto Insurance Quote from WOODBRIDGE, ONTARIO
Male, Age 21
2010 HYUNDAI ELANTRA L 4DR
July 21, 2024
Cheapest Quote
$ 484 / month
$5,807 / year
Average Quote
$ 711 / month
$8,527 / year
Savings
$ 227 / month
$2,720 / year
or
31.90 %
Recent Auto Insurance Quote from WOODBRIDGE, ONTARIO
Male, Age 22
2011 MAZDA MAZDA3 SPORT GX 5DR
July 20, 2024
Cheapest Quote
$ 275 / month
$3,299 / year
Average Quote
$ 365 / month
$4,379 / year
Savings
$ 90 / month
$1,080 / year
or
24.66 %
Recent Auto Insurance Quote from WOODBRIDGE, ONTARIO
Male, Age 47
2001 PORSCHE BOXSTER CONVERTIBLE
July 20, 2024
Cheapest Quote
$ 73 / month
$871 / year
Average Quote
$ 144 / month
$1,722 / year
Savings
$ 71 / month
$851 / year
or
49.42 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

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Mandatory and optional auto insurance in Vaughan

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 Vaughan?

Vaughan has the highest auto insurance rates in Ontario, with the average sitting at $2,179 per year, or about $182 per month, according to the RATESDOTCA Insuramap. To calculate the average, we’ve combined the rates in areas such as Woodbridge, Thornhill, Concord, Kleinburg and Maple.

The Ontario rates overall are lower than what they used to be, especially before the pandemic. Fewer people driving during those years meant fewer accidents, and thus, fewer claims. Since the many absorb the losses of the few in the insurance world, the rates went down as well. However, with more drivers out on the roads again, as of 2022, this is unlikely to last.

If you are wondering why Vaughan, specifically, has the highest rates, there is no clearcut answer. But part of the reason is its inclusion in the Greater Toronto Area, which has some of the busiest roads and highways in the province. In fact, Highway 401, which passes through the GTA, is the busiest highway in North America. As you may have guessed, more traffic equals more claims, and not before long, higher premiums.

Vaughan car insurance rates by postal code

POSTAL CODE ANNUAL PREMIUM
L4K$2,080
L0J$1,766
L6A$2,080
L4J$2,080
L3L$2,293
L4H$2,476
L4L$2,476

Average insurance premium numbers are according to data from RATESDOTCA Insuramap (gathered in 2022).

Finding the cheapest car insurance in Vaughan

We’ve organized the rates the same way insurance companies group their markets – by the first segment of the postal code (otherwise known as the Forward Sortation Area, or FSA), which in Ontario denotes a particular district. If you are wondering how we have accumulated these numbers, be sure to learn about our methodology.

Now let's examine this data more closely. In 2022, Vaughan had the honour of having the most expensive car insurance in Ontario. However, by the Greater Toronto Area standards, it's not too expensive (as the average rates in Ontario have been declining since 2020). The second highest average rate is in Ajax, which is below Vaughan's by mere $75.

  • Parts of Vaughan that have the most expensive car insurance. Out of all the Vaughan communities, Woodbridge, which includes the L3L, L4H and L4L postal codes, has the highest auto insurance rates, with the annual average of $2,415. One of the reasons it has such high rates is its high-density traffic, which usually leads to more car accidents and claims.
  • Parts of Vaughan that have the cheapest car insurance. Kleinberg, conversely, has the lowest average rate in Vaughan, sitting at $1,766. This is because Kleinberg is more rural than the rest of Vaughan. Rural areas tend to have less traffic, and in turn, fewer accidents and claims.

In terms of broader trends, it’s unlikely that Vaughan will have the highest premiums forever. But don’t expect it to suddenly have the lowest ones either, unless the GTA goes through some drastic changes. The best you can do is, perhaps, relocate to the parts of Vaughan that have lower rates.

Which companies offer car insurance quotes in Vaughan?

Company name Company type Phone number Address

AiA Insurance Brokers

Insurance broker

416-504-0990

200b-5875 Hwy 7, Woodbridge, ON L4L 1T9

Allstate Insurance: Vaughan Agency

Insurance agency

289-217-5206

3120 Rutherford Rd, Concord, ON L4K 0B1

Billyard Insurance Group

Insurance broker

416-367-7677

15B-7600 ON-27, Woodbridge, ON L4H 0P8

Clover Insurance Brokers

Insurance agency

905-851-7774

201E-3800 Steeles Ave W, Woodbridge, ON L4L 4G9

InsuranceHotline.com

Quotes comparison

1-855-821-7312

225 King St W, Suite 1000, Toronto, ON, M5V 3M2

LowestRates.ca

Quotes comparison

1-855-487-6911

401-1910 Yonge St, Toronto, ON M4S 3B2

St. Andrews Insurance Brokers Ltd.

Insurance broker

905-709-1779

150-240 Chrislea Rd, Vaughan, ON L4L 8V1

RATESDOTCA

Quotes comparison

1-844-726-0907

225 King St W, Suite 1000, Toronto, ON, M5V 3M2

Scoop Insurance

Insurance broker

1-866-456-6620

22-300 Lincoln St, Welland, ON L3B 4N4

TD Insurance Auto Centre

Insurance agency

1-888-220-6767

273 Milani Blvd, Vaughan, ON L4L 1A5

Factors that affect your Vaughan car insurance premium

There are many factors that can affect your auto insurance rate. Here are some of the biggest ones:

  1. Your driving record & habits. If you’ve been in several accidents or have any traffic violations, it’s likely that the price of your car insurance will be higher than the average premium.

    Your driving habits can also affect your rate. For instance, if you drive often, statistically, you are more likely to get into a car accident and file a claim than those who don’t.

    If possible, drive less, and most importantly, drive safe.

  2. Your vehicle. Some vehicles command higher insurance costs than others. For instance, if your car doesn’t have features like anti-lock brakes, snow tires, driver assist or an anti-theft alarm system, your vehicle may be deemed more likely to be lost or stolen. This, in turn, can lead to a higher premium.

    Car insurance companies in Vaughan, and Canada at large, rely on the Canadian Loss Experience Automobile Rating (CLEAR) system to assess vehicles, so give it a look, if you’d like to see where your car fits.

  3. Where you live. As we’ve mentioned before, Vaughan car insurance is expensive. Areas with lots of traffic and higher crime rates tend to have more car accidents, thefts and acts of vandalism, which result in high insurance premiums. In most cases, this factor is unavoidable – unless you’re willing, or able, to move.

  4. Your age & gender. If you’re a young, inexperienced driver, you’ll probably pay a higher premium than an older, more experienced one. Like the previous factor, this one is unavoidable. However, if you continue to drive safely and maintain a clean record, you can secure a lower rate down the road.

Tips on how to get cheap car insurance in Vaughan

To mitigate some of the factors listed above and avoid paying an unnecessarily high insurance rate, consider the following:

  • Compare insurance rates. There are many insurance providers in Vaughan, so take advantage of the high competition available to you and shop for the lowest rate. You can either google the companies and then call them all individually, or you can use a service like RATESDOTCA and secure the cheapest rate possible in your area in a matter of clicks.

    You can also try out RATESDOTCA’s Ontario Car Insurance Rate Tracker, which shows you the rate changes insurance companies make on a quarterly basis (data courtesy of the Financial Services Regulatory Authority of Ontario).
  • Drive safely & ensure a clean record. Maintain a clean record by avoiding accidents, demerit points and tickets. All three negatively impact your driving record and can easily increase your insurance rate. On the flipside, a clean record can net you significant insurance discounts.
  • Drive a ‘safer’ car. A ‘safe’ car – meaning a car that comes with features like anti-lock brakes, snow tires, driver assist or an anti-theft alarm system – can help lower your insurance rate. That’s because ‘safe’ cars are less likely to be lost or stolen, which makes the owner or driver less likely to file a claim.
  • Bundle all your insurance policies. If you deal with more than one insurance company for your home or other vehicles, such as a boat or a motorcycle, consider bundling your insurance policies. This is also worth doing if you have multiple people under your roof, who also require auto insurance.

    Discounts for bundled insurance policies can shave off a good portion of your premium – almost a quarter, in some cases. Plus, by going with one company, you get to streamline your payment and renewal processes, making your life easier.
  • Be selective about your coverage. Not all insurance coverage is mandatary, so don’t be afraid to get selective. In some cases, it makes more sense to opt out of certain coverages. For instance, if your car is old, you may want to stop paying for collision coverage, as the amount you would receive may not exceed your premiums.
  • Have consistent driving history. While driving too often can lead to higher insurance rates, driving consistently can do the opposite. Consistency – provided you drive safely – can help you build a clean driving record and deem you a lower risk in the eyes of insurers.

    If you don’t own a vehicle, consider using someone else’s, but make sure their insurance can cover you.
  • Try a usage-based insurance program. Usage-based insurance (or UBI) can significantly lower your insurance rate, provided you drive safely.

    For this type of insurance to work, you’ll need to either download a mobile app or attach a device to your car that will then monitor how you drive. This includes measuring your speed, acceleration, braking, time of day and so on. The results will determine how ‘good’ of a driver you are and dictate your premium accordingly.

Frequently asked questions about car insurance in Vaughan

Need more information on Vaughan car insurance? We got you covered.

Which company has the cheapest car insurance in Vaughan?

Unfortunately, there is no easy answer to this, as insurance companies don’t normally post their rates – nor should they, given the nature of their business. That’s because insurance rates are highly individualized. Factors like your driving record, location, vehicle and others all play a role in determining your insurance rate.

That said, insurance rates are malleable to some extent. In fact, services such as RATESDOTCA have various insurers compete to deliver the lowest price possible to the consumer. So, give it a try, if you want to see it in action.

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

No. Insurance companies in Vaughan and the rest of Ontario (and Canada) do not offer month-to-month car insurance. A typical insurance policy will last one year. There are some companies that offer six-month insurance, but those are incredibly rare, while anything below six months is non-existent.

Here are some of the things you can do to mitigate this issue:

  • Rent a car. This is a good option if you’re not planning to stay in Vaughan or Ontario for long. Rental companies usually offer an insurance policy covering the entire length of your booking, making the process very easy. Note that this can get costly in the long run.
  • Use an existing policy. If you already have an insurance policy elsewhere, you may secure temporary insurance by adding the car you drive in Vaughan to it. This option may prove cheaper than renting a car.
  • Change your existing policy. If you live in Vaughan, but don’t drive often, you can reduce your coverage during the time of year you don’t drive, which can save you some money. However, it would still be a year-long policy.

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

This may depend on your age, but in most cases, you’ll want to start by looking up a licensed insurance broker, agent or direct writer.

The challenge with finding the right insurer, of course, is pricing. So, if you, or your child, are what is referred to as a ‘young driver’ (someone between the ages of 16 and 24), then you, or they, may want to do the following:

  • Drive under the same policy as the parent or guardian. This becomes applicable once the driver secures a G2 or G license. Instead of buying their own vehicle, they can drive one belonging to their parent or guardian.
  • Enroll in a driving course. Getting a driving school certificate will not only make you, or your child, drive more safely, but significantly reduce the insurance rate.
  • Drive regularly. Practicing driving doesn’t just make one a better driver, it creates a driving record, which is something insurance companies look at. So, it’s a good idea to drive both regularly and safely.

What if I’m a new driver, but a little on the older side? If you’re outside the above-mentioned age bracket, you’re still an inexperienced driver in the eyes of insurers. So, the same recommendations apply. If you can drive under someone else’s policy, do so, and do so regularly. If you need to take a driving course, take one. Eventually – if your driving history stays clean – you’ll start seeing a reduction in your premiums.

Is ridesharing insurance available in Vaughan?

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:

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, however, the vehicle owner’s personal insurance applies.

*Shoppers in Vaughan who obtained a quote on RATESDOTCA from January to December 2023 saved an average of $774 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.

Taras Trofimov ,
Content Manager

Taras has over nine years of content marketing experience across multiple industries in B2B and B2C spaces. He has produced thought leadership content for organizations like Constellation Software, Facebook and Yellow Pages as well as outlets like Huffington Post and MSN Canada.

He graduated from York University with a Bachelor of Arts degree and studied Technical Communication at Seneca College.

Experience
  • Home Insurance
Education
  • Bachelor of Arts at York University

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