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Get the best Aurora auto insurance

Car insurance is an essential consideration for Aurora residents. As a commuter hub, people spend a lot of time driving on Highway 401, 404, and 407. There is no question that a car is the best way to get around the city and surrounding cities in the GTA. So, you’ll want to protect your vehicle while getting the lowest rates.

As a leading insurance broker in Aurora, we’ll help you quickly compare car insurance quotes from the top insurers. Get started online, or give us a call.

Important facts about Aurora car insurance

Aurora has some of the lowest car insurance rates in the York Region.
Drivers pay slightly more than the provincial average.
Auto insurance rates are more affordable than in previous years.

How to compare car insurance quotes in Aurora

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1) Start your quote

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How does auto insurance work in Aurora?

Car insurance works the same in Aurora as in the rest of the province. All drivers follow Ontario car insurance rules. The Financial Services Regulatory Authority of Ontario (FSRAO) regulates insurance. Here are the key points you need to know about how insurance works:

Insurance is mandatory.
All drivers must carry a minimum of $200,000 in third-party liability.
You purchase car insurance in Aurora through a private insurance company via an insurance broker (us!)
A no-fault insurance system is in place. You deal with your insurer for all claims.
Fines start at $5,000 for driving without insurance
You can personalize your policy with optional coverage and endorsements

What is Aurora's minimum required car insurance?

All Aurora drivers have at least a basic insurance plan with minimum car insurance requirements. Here is what is included in standard coverage:

Third party liability: You have a minimum of $200,000 in coverage. It’s recommended to increase this coverage to at least $1 million.
Accident benefits: Drivers and passengers receive medical care if they are hurt in an auto accident.
Uninsured motorist: You have protection if an uninsured driver hits your vehicle or injures you. This includes hit-and-run coverage.
Direct compensation property damage: DCPD covers damage when you are not at-fault for a collision. As of January 1, 2024, DCPD is not mandatory but will still be included in your policy. However, you can opt out of this coverage using OPCF 49.

What is Aurora's most common optional car insurance coverage?

Enhanced coverage options allow you to expand, add to, and alter your level of coverage and limits. Here is the most common optional coverage Aurora drivers include in their policy:

Collision insurance: You have protection if your car is damaged in a collision, regardless of who is at fault.
Comprehensive insurance: You have damage protection from non-driving events.
All perils insurance: This combines comprehensive and collision coverage.
Specified perils insurance: Coverage only for the perils that are listed in your policy.

Recent Aurora car insurance quotes

2024/11/01

Shopper in AURORA, ON
Vehicle: JAGUAR F-PACE R-SPORT 20d 4DR AWD 2017
Aviva Journey	$2,061
Wawanesa	$2,285
Aviva	$2,288
GORE	$2,606
Savings from the top 4 lowest quotes	$545

2024/11/01

Shopper in AURORA, ON
Vehicle: TESLA MODEL Y 75D LONG RANGE 4DR AWD 2021
Aviva Journey	$2,324
Travelers	$2,555
Aviva	$2,585
Intact	$3,034
Savings from the top 4 lowest quotes	$710

5 star reviews for car insurance in Aurora

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 does car insurance cost in Aurora?

The average cost of car insurance in Aurora is $1,951 per year. This monthly payment is $162, about $41 per week. Compared to the provincial average, premiums are about $200 more per year.

Your premiums may not reflect the above numbers. Every driver has unique circumstances. Compare quotes often to get an updated estimate of how much insurance will cost you.

How do auto insurance premiums in Aurora compare to other cities in the York Region?

Aurora is in the York region of the GTA. It’s in between Richmond Hill and Newmarket. Even though they are neighbouring cities, rates vary by hundreds of dollars. Aurora is the cheapest city compared to other cities close by:

City	Avg premium
Richmond Hill	$2,441
Markham	$2,429
Newmarket	$2,082
Uxbridge	$1,972
Aurora	$1,951

Aurora car insurance rate changes from 2019-2023

Car insurance rates in Aurora have been consistent in recent years. Based on our customer data, rates have decreased. This could be for fewer accidents and claims and other reduced threats in the region. Here’s an overview of how rates have changed since 2019:

Year	Average annual premium
2023	$1,951
2022	$1,956
2021	$2,669
2020	$1,968
2019	$2,167
Average rate (2019-23)	$2,142

Aurora car insurance FAQs

How do I get cheaper car insurance in Aurora?

Saving money is on the minds of most people today. When it comes to car insurance, there are some things Aurora residents can do to keep costs down. They include:

Compare insurance options annually
Drive safely and remain accident-free
Maintain a claim-free record
Drive less and sign up for usage based insurance
Boost security measures for your vehicle
Bundle home and auto insurance to reduce premiums on both

What are the main factors that affect how much I pay for car insurance in Aurora?

How car insurance rates are determined is a complex calculation. Each insurer has a specific way of doing things. However, they use all the following factors when setting car insurance rates for Aurora residents. Here’s a brief overview:

Demographics (age, gender, marital status)
Driving experience
Licence type (G, G2, G1)
Location within Aurora (neighbourhood and postal code)
The type of vehicle you drive
How you use your car
Driving record
Insurance claims history
Policy type, coverage and limits

What drives up car insurance rates in Aurora?

You have a lot of control over your insurance costs. But, many factors are out of your control that can drive up car insurance premiums in Aurora. Things like population density, traffic volume, accident and crime rates, and instances of auto theft and fraud all impact how much you pay.

What are the best car insurance companies in Aurora?

If asked, most Aurora residents would say the way to get insurance from the best car insurance companies. The problem with this is there isn't one company that is the best. It really depends on your insurance needs.

There are many top insurance companies to consider. The important thing is to find the one that best serves your needs. Our brokers can help you compare insurance quotes from the top companies, ensuring you fit the right policy for you.

Start saving on Aurora car insurance today

We can help you with all your Aurora auto insurance coverage needs. We’ll help you quickly compare quotes, select a policy, and renew your coverage. Shop and compare with the best insurance companies. 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 Aurora 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 Aurora on ThinkInsure.ca from January 1, 2023, to January 31, 2024

Insurance Blog And News

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2024-11-20

Aurora Auto Insurance

We help drivers save $577* by comparing cheap car insurance quotes in Aurora.

Compare Aurora car insurance quotes from the top providers

Get the best Aurora auto insurance

Important facts about Aurora car insurance