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Find the best auto insurance rates in Ajax

Ajax is a commuter town. Residents rely more on their vehicles to get around, making having a reliable car insurance policy even more important. Unfortunately, Ajax has higher-than-average car insurance rates. Premiums are some of the most expensive in the entire province.

ThinkInsure makes it easy to compare the cheapest car insurance quotes in Ajax. We'll compare rates and coverage from the top insurance companies in Canada. This ensures you get the best solution based on your driving needs. Get started online, or give us a call.

What you need to know about Ajax car insurance

Ajax has some of the most expensive car insurance rates in the GTA.
Drivers pay an average of $2,398 per year for coverage.
Car insurance premiums in Ajax have been on the rise since 2019, increasing by about $300 during the time.

How to compare car insurance quotes in Ajax

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1) Start your quote

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2) Tell us about your driving and vehicle

Provide your driving and vehicle information.

3) Compare your quotes

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Choose your policy

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How Ajax car insurance works

Ontario car insurance rules apply throughout the province, including Ajax. Here’s what you need to know about the basics:

You are legally required to have valid car insurance to operate a vehicle.
You must carry a minimum of $200,000 in third-party liability coverage. However, increasing your coverage to at least $1 million is recommended.
You can personalize your policy by adding extra coverage and endorsements
You buy policies through a private insurance company using an insurance broker.
No-fault insurance rules are in effect. This means you deal with your insurer for all car insurance claims
Fines range from $5,000 to $50,000 if you get a ticket for driving without insurance
Policies are renewable one year from the day they take effect

Ready out to our insurer brokers if you have additional questions about how insurance works.

Mandatory car insurance in Ajax - what’s the minimum coverage I need?

All drivers must have a minimum level of coverage to ensure all drivers have protection. Here is what is included in all policies:

Third party liability: $200,000 in liability coverage. Most drivers increase this to at least $1 million in coverage.
Accident benefits: Compensation for medical care following an accident.
Uninsured motorist: Protection if you are hit by an uninsured driver or victim of a hit-and-run coverage.
Direct compensation property damage: DCPD covers accident damage when you are not at-fault. DCPD is no longer mandatory but will be included in your policy unless you request it to be removed.

Optional Ajax car insurance coverage to enhance my policy

Most drivers have some form of optional car insurance coverage for added protection. Here are the most common options Ajax drivers use to enhance their policy:

Collision insurance: This causes damage if you are in a crash. Policies include damage from objects (falling trees, street signs, etc.)
Comprehensive insurance: You have protection from non-driving events. For example, your car gets vandalized or damaged in a parking lot.
All perils insurance: A combination of comprehensive and collision coverage. You’ll have coverage for driving and non-driving damage.
Specified perils insurance: You have coverage for threats that are listed in your policy.

Insurance endorsements are another way to personalize your policy. You can add specific types of coverage or alter existing coverage limits.

Recent Ajax car insurance quotes

2024/10/08

Shopper in AJAX, ON
Vehicle: MAZDA MAZDA3 GT SKY 4DR 2014
Aviva Journey	$1,308
Economical	$1,412
Aviva	$1,452
Pembridge	$1,549
Savings from the top 4 lowest quotes	$241

2024/10/03

Shopper in AJAX, ON
Vehicle: TESLA MODEL Y 75D LONG RANGE 4DR AWD 2023
Aviva Journey	$2,051
Aviva	$2,278
Intact	$2,816
CAA Connect	$2,859
Savings from the top 4 lowest quotes	$808

5 star reviews for car insurance in Ajax

Rated 4.7 out of 5 stars in 1448 Google reviews

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steve jonkhans

2024-09-26

i used thinkinsure to navigate a complicated car insurance situation after my prior broker could not find me the insurance i required. Denise Snyder Phillips was my agent and she was extremely helpful, efficient and responsive. Highly recommend thinkinsure for your insurance needs and ask for Denise!

Carrie Crump

2024-09-24

Young man is super amazing and caring . Top top notch service !!! Very kind gentleman

DJ G

2024-09-24

I was shopping around for some new auto insurance rates as my current policy was ending soon and was looking for cheaper premiums. I called ThinkInsure, and Todd helped me with the process start to finish. Communication with him after my initial phone call was flawless through email, often replying right away during business hours. He was easy to ask questions and provided multiple quotes to me when I needed to make some changes. I ended up getting better coverage for a much lower premium compared to my current provider with ThinkInsure. Thanks Todd for the seamless experience and helping me get setup!

Philip Witteveen

2024-09-23

Denise is fantastic! She is so kind and patient and works hard to listen and provide you with the best insurance available to you. Denise also continues to look for the cheapest options for you that provides you with the top notch coverage. I would highly suggest connecting with Denise if you're looking for great insurance, good prices, and to work with someone that actually cares. 5 star plus!

Cassandra Brookes

2024-09-20

I had been in the market for new insurance for a while, not getting many great quotes and then I come to find Todd Allen through ThinkInsure and have only great things to say about my experience. Knowledgeable, honest, responsive and made insuring my vehicle a breeze. Within 4 emails back and forth, signing e documents and a final email to confirm I was set up and ready to go. Could not recommend his services enough! Thanks Todd !!

Ginny Sweet

2024-09-19

I was in a difficult situation trying to renew my insurance after my last company stopped providing insurance. Bailey made the whole process quick and easy. I had paperwork signed and documents to me within a few hours of our initial conversation. I am forever grateful

Durai samy Easwarakumar

2024-09-18

Todd Allen such a nice auto insurance advisor Doing a excellent service 👍buy the costumer’s satisfaction to get an cheaper code in the current market 😀

Jenniffer

2024-09-17

great service, sohel rahman was incredible helping us get the insurance we needed, thank you!

How much is car insurance in Ajax?

Based on our customer quote data, Ajax's average car insurance cost is $2,398. This monthly payment is $200, about $50 per week.

If you shop around for car insurance prices in Ajax, you’ll quickly see they are much higher than the provincial average - about $600 more per year. Where you live plays a significant role in the cost of your premiums. But so do many other considerations. Speak with our brokers about potential discounts and cost savings.

How do Ajax car insurance rates compare to nearby cities in the Durham Region?

Car insurance costs in Ajax are similar to other cities in the Durham region, based on ThinkInsure customer data. The chart below compares neighbouring cities. As you can see, rates vary by a few hundred dollars depending on where you live:

City	Avg premium
Whitby	$2,422
Ajax	$2,398
Oshawa	$2,227
Pickering	$2,213
Claremont	$2,103

Ajax car insurance rate changes from 2019-2023

Much like other things, the rates in Ajax are on the rise. The new news is they are not as high as the pre-pandemic level. After declining during the pandemic, premiums are steadily increasing. Here’s a brief overview of rate changes:

Year	Average annual premium
2023	$2,398
2022	$2,166
2021	$2,047
2020	$2,518
2019	$2,146
Average rate (2019-23)	$2,219

Ajax car insurance FAQs

What can I do to get the cheapest car insurance in Ajax?

With some of the highest rates, no doubt you and other drivers are looking for the cheapest car insurance in Ajax. There are some essential steps you should follow to reduce your premiums. Here they are:

Be a safe driver - stay accident and claims-free
Commit to comparing quotes annually
Sign up for usage based insurance to qualify for a discount
Add extra security features to protect your vehicle, especially if it is a top target for thieves
Combine home and auto insurance plans to get a discount on both

What are the top considerations insurers use to set your car insurance premiums in Ajax?

Insurance providers use many factors to determine how much to charge. These factors will directly affect the car insurance prices for Ajax residents. Here are the main things impacting how much you will pay:

Where you live in Ajax (neighbourhood and postal code)
Your age, gender, and marital status
Your licence type and years as a driver
Vehicle type (new or used, SUV, car, pickup)
How often and where you drive
Driving record
Insurance claims history
Policy type and coverage limits

What are the best Ajax car insurance companies?

Your insurance provider can make a big difference in the type of coverage, savings, and customer service. There are many top insurance companies to consider - Intact, CAA, Aviva, and many more. You don't have to use insurers physically located in Ajax. Our brokers can help you compare insurance quotes and get the best car insurance in Ajax.

Start saving on Ajax car insurance today

Our brokers can help you compare car insurance quotes to find the lowest rates in Ajax. You can see prices and coverage from all the best companies in about two minutes. Start a quote online or call us today to learn how much we can help you save.

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Sources

* Based on the difference between the average lowest premium and the overall average premium in Ajax for estimates completed from January 1, 2023, to January 31, 2024, for drivers with a clean driving record.

** Estimated prices are based on data entered by drivers with a clean driving record living in Ajax on ThinkInsure.ca from January 1, 2023, to January 31, 2024

Insurance Blog And News

Read our insurance blog to get helpful tips, information and news.

2024-10-16

Compare Ajax Car Insurance Quotes AND SAVE NOW!!!!!!!!!!!

We help drivers save $832* on car insurance in Ajax by comparing the lowest rates.

Compare Ajax car insurance quotes from the leading providers

Find the best auto insurance rates in Ajax

What you need to know about Ajax car insurance