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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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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 1463 Google reviews

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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 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

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