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

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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

Compare quotes for free with these easy steps.

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

Choose the best rate. Confirm the details with our experts and get insured.

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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

2024/12/11

Shopper in AJAX, ON
Vehicle: JAGUAR F-PACE 35t 4DR AWD 2017
CAA My Pace	$1,976
Aviva Journey	$2,221
Aviva	$2,466
GORE	$2,858
Savings from the top 4 lowest quotes	$882

2024/12/02

Shopper in AJAX, ON
Vehicle: HYUNDAI ELANTRA PREFERRED 4DR 2019
Aviva Journey	$1,997
Aviva	$2,217
Wawanesa	$2,615
GORE	$2,679
Savings from the top 4 lowest quotes	$682

5 star reviews for car insurance in Ajax

Rated 4.7 out of 5 stars in 1463 Google reviews

See what our customers are saying about us.

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Kevin St Clair

2024-11-28

Betsy was a genuine pleasure to deal with considering the circumstances. Thanks again for all your help

Anthony Gomez

2024-11-27

Today, I want to take a moment to recognize Monica Chan, an exceptional insurance broker who has consistently gone above and beyond in her service to me. Monica's dedication to punctuality and consideration has been truly remarkable. She has always been prompt in responding to my inquiries and has never hesitated to offer her expertise and guidance. With Monica as my broker, I have never once felt worried about anything going wrong. Her proactive approach and attention to detail have provided me with peace of mind, knowing that my insurance needs are well-taken care of. Throughout our interactions, Monica has been incredibly helpful, patiently explaining complex insurance concepts and ensuring that I fully understand my coverage options. I wholeheartedly recommend Monica Chan to anyone seeking an insurance broker who genuinely cares about their clients' best interests. Her commitment to excellence and her willingness to go the extra mile make her an invaluable asset in the insurance industry.

Phyllis Baker

2024-11-20

Absolutely amazing service the broker Todd worked on my quote fast I recommend this company to anyone very professional I’m so glad I called them .. Thank you for your great work

Charles Cameron

2024-11-15

Betsy Bannon has been nothing short of amazing at helping us through the complex process of acquiring business insurance. She quickly understood our needs and expertly guided us to the right solution. From start to finish, she made us feel like her most important client which gave us the confidence that we were in great hands. We highly recommend Betsy!

Jermaine M

2024-11-05

I had a great experience with Patrick Vuong. He went above and beyond to help me update last minute changes to my policy in order to qualify for a government grant. Staying back late and coming in early the next day to help finishes the changes. Very kind and professional!

Mark Gaffney

2024-11-05

Betsy Bannon is a professional extremely friendly and knowledgeable and made my experience wonderful! Highly recommend her for any insurance needs. Mark Gaffney

fabian ward

2024-11-04

Great service! Prompt and very helpful! Thanks to Todd allan for really helping me out!

Stephen Mcfadden

2024-11-01

Great experience working with Sohel Rahman, appreciate his honest and can-do attitude. Highly recommend!

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

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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