Compare Auto Insurance Quotes in Whitby
With RATESDOTCA, Whitby drivers saved an average of $644* on their car insurance premiums.
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How to get Whitby car insurance quotes on RATESDOTCA
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What people say about our quotes
Based on 6,423 reviews
Quick response and great quotes
Quick response and great quotes, the only problem is: I got two different quotes in two days, which is cheaper in the second one.
Ray
Great information when speaking with…
Great information when speaking with John. Very knowledgeable and easy to talk with. Unfortunately I was last minute and resigned w the actual lender, not the business I used for the purchase and last renewal.
Corbett Thoms
Easy and fast
Easy and fast
Joanne
The quote the representative was able…
The quote the representative was able to obtain.
Jonathan McConnell
The agent I spoke to was very helpful…
The agent I spoke to was very helpful in recommending a few brokers in my area who was willing to work with my situation
The Blessed One
Laurie is a true agent but John is not
Laurie is a true agent but John is not, the person with extension 136 is not a good listener to client. Extension 133 Laurie is good on her duties!
Thu Tram
Recent Whitby car insurance quotes

Recent auto Insurance Quote from Whitby, Ontario
Female, 75 years old
2021 HONDA CR-V EX-L 4DR AWD
April 15, 2025
Cheapest Quote
$ 159 / month
$ 1,904 / yearAverage Quote
$ 248 / month
$ 2,973 / yearSavings
$ 89 / month
$ 1,069 / year
36 %
Recent auto Insurance Quote from Whitby, Ontario
Female, 78 years old
2015 CHEVROLET MALIBU LTZ 4DR
April 14, 2025
Cheapest Quote
$ 101 / month
$ 1,214 / yearAverage Quote
$ 154 / month
$ 1,852 / yearSavings
$ 53 / month
$ 638 / year
34 %
Recent auto Insurance Quote from Whitby, Ontario
Male, 19 years old
2010 AUDI A6 3.0T QUATTRO WAGON
April 14, 2025
Cheapest Quote
$ 312 / month
$ 3,744 / yearAverage Quote
$ 483 / month
$ 5,800 / yearSavings
$ 171 / month
$ 2,056 / year
35 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company
Why comparing quotes saves you money on your Whitby car insurance policy
Located about 45 minutes east of Toronto within the GTA, the city of Whitby is very much a commuter suburb, with drivers hopping on and off the nearby 400-series highways daily. Driving is likely a part of your daily life if you live in Whitby, and your household may even have more than one vehicle.
Whitby drivers looking to get the best deal on their auto insurance premiums can get the best rates possible by comparing auto insurance quotes online. It takes just a few minutes and only some basic information to get started — plus, it’s completely free.
How to reduce your Whitby car insurance premium
If you’re looking to reduce your Whitby car insurance premium, you should know there isn’t one insurance company that's better than others. Since each insurance company assesses your risk profile differently, they offer different rates.
One of the most important factors that will affect your rates for insurance in Whitby is your driving history, so it’s important to practice safe driving any time you’re behind the wheel. Following the rules of the road can help you secure the most affordable auto insurance available in Whitby.
Additionally, ask your insurance provider about any available discounts, such as those offered for students, by bundling your policies or for completing a driver’s education course to take advantage of the best possible rates.
The good thing about the Whitby auto insurance market is that there are a lot of companies to choose from. Using a rate comparison site like RATESDOTCA makes it quick and simple to compare car insurance multiple car insurance companies in the same time it takes to get a quote from one.
Frequently asked questions about Whitby car insurance
How do insurance companies calculate rates for drivers in Whitby?
When it comes to calculating rates for drivers in Whitby, there are several different factors that insurers consider, including:
- Driving history. Your driving history is one of the most important factors insurers consider when assessing your risk. You’re likely to face higher rates if you have a history of infractions, such as speeding tickets and careless driving, compared to someone with a clean driving record. Practice defensive driving and follow the rules of the road any time you get behind the wheel.
- Your mileage. How much you drive will affect your car insurance rates in Whitby. You’re more likely to be involved in a collision the more you drive, which results in higher rates for those who drive more.
- Your postal code. Where you live in Whitby can have an impact on your insurance rates. One neighbourhood can have much different rates than another, if there are a high number of claims.
- Your age. Another factor that can have an impact on your insurance rates in Whitby is your age. Young drivers are statistically more likely to be involved in traffic collisions than older, more experienced drivers. This results in higher premiums for young drivers. On the flip side, senior drivers are also likely to face higher premiums as they’re statistically most likely to file claims.
- Your policy. The coverage you choose will also affect your rates. The more coverage, the higher the premiums. You are required to have minimum coverage amounts, which in Ontario is third-party liability, accident benefits, uninsured automobile insurance, and direct compensation property damage (DCPD). However, you can choose to add on collision and/or comprehensive coverage.
- Insurance history. Your insurance history also plays a role when determining your insurance rates in Whitby. You’re likely to face higher rates if you’ve missed payments or made multiple claims than someone who hasn’t. Additionally, newcomers to Canada are likely to have higher rates due to their lack of Canadian insurance history.
Which cars are the cheapest to insure in Whitby?
The vehicle you drive is one of many factors that go into your Whitby insurance quote. However, a used car with good safety ratings and low theft rates can be more affordable to insure.
How can I score discounts on auto insurance in Whitby?
There are a few different ways Whitby drivers can secure discounts on auto insurance, including:
- Shop and compare. Don’t just settle for any insurance carrier, make sure you’re comparing providers. The difference in price between insurance companies within the same city can be substantial. The good news is, RATESDOTCA makes it easy to compare rates from dozens of providers in Whitby.
- Bundle your coverage. Another way to save on your car insurance in Whitby is to bundle your policies. You could save hundreds of dollars each year by bundling your home and auto coverage with the same provider.
- Get a multi car discount. Putting multiple drivers and vehicles from the same household under one policy can save you money.
- Install safety features. Installing safety features like winter tires and alarm systems can help reduce your insurance premium, and will prove to insurance companies that you are taking all necessary precautions.
- Take a driver’s education course. New or inexperienced drivers can help slash their rates by completing an accredited driver’s education course.
- Increase your deductible. Increasing your deductible (the amount you pay when settling a claim) can result in lower premiums.
- Pay premiums annually instead of monthly. Your insurer must deal with administrative costs when you pay your premiums monthly. By opting to pay in full annually if you’re able, you can help lower your premiums.
- Consider usage-based insurance. A usage-based insurance (UBI) or telematics device is one way for Whitby drivers to lower their annual premium. Once you enroll in the program, an app on your phone monitors various aspects of your driving such as your braking habits, average speed, and how far you travel. Premiums can’t be increased for risky behaviour, but individuals who demonstrate good, safe driving are eligible for discounts of up to 30%.

Shop around and save on Whitby car insurance today
Shopping around for the best auto insurance rates is a smart way to keep your transportation costs in check. That's where we come in. RATESDOTCA site lets you compare Whitby auto insurance quotes from multiple insurance companies in a matter of minutes. If you're ready to start comparing now, simply enter your postal code and well get to work finding you the best possible price on your Whitby auto insurance rates.
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*Shoppers in Whitby who obtained a quote on RATESDOTCA from January to December 2023 saved an average of $644 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.