North York Car Insurance

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Get the lowest rates on North York auto insurance

Car insurance in North York can be expensive. Residents of the region pay some of the highest rates in the province. It is one of the most populated areas in the GTA. Traffic, collisions, construction, and delays are the norm. So, drivers need to have a dependable insurance policy.

ThinkInsure makes it easy to compare quotes and find coverage. We'll check car insurance quotes from the top insurance companies in Canada so you can find the lowest premiums in North York. Get started by comparing quotes online, or give us a call. Our advisors will ensure you get the coverage you need for the lowest rate.

Top things to know about North York car insurance

North York has some of the highest car insurance rates in the Greater Toronto Area.
North York drivers pay significantly higher auto insurance rates ($2,584) than the provincial average ($1,737).
Residents in the M3A postal code area of Yorkville have the lowest car insurance rates in the North York region.

How to compare car insurance quotes in North York

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How does auto insurance work in North York?

Residents in North York follow the same Ontario car insurance rules as other drivers in the province. Here’s a brief rundown of how auto insurance works:

Insurance is mandatory for all drivers.
Basic plans include a minimum of $200,000 in third-party liability. You have the option to upgrade your coverage (recommended).
Insurance is available through a private insurance company (such as Intact, CAA, or Aviva) via an insurance broker (ThinkInsure).
No-fault insurance rules apply, meaning you deal with your insurer for all claims.
Fines start at $5,000 if you drive without insurance.
All policies are in effect for one year. At this time, you can choose to renew with your existing provider or compare quotes and look for cost savings.

Mandatory car insurance in North York

Insurance is mandatory. You need it if you want to drive. All insurance policies include the following minimum coverage:

Third party liability: Basic plans include $200,000 in coverage, but it is recommended to have at least $1 million in coverage.
Accident benefits: Medical assistance and care if you or any passengers are injured in an accident.
Uninsured motorist: Protection if an uninsured driver collides with you. You also have hit-and-run protection.
Direct compensation property damage: DCPD covers damage when you are not at fault for an accident. As of January 1, 2024, DCPD is not mandatory. You can opt out of this coverage using OPCF 49.

Optional car insurance in North York

Optional coverage gives drivers more protection from a broader array of threats. It also allows you to personalize your policy based on your driving needs. Here are the most popular add-ons:

Collision insurance: This covers collision damage. Your policy also includes damage from objects like signs, medians, and trees.
Comprehensive insurance: This is protection from non-driving events. For example, someone vandalizes your vehicle or damages your car while attempting to steal it.
All perils insurance: A combination of comprehensive and collision coverage.
Specified perils insurance: Coverage for only the perils that are listed in your policy.

You can further customize your coverage by adding individual insurance endorsements.

Recent North York car insurance quotes

2024/09/05

Shopper in NORTH YORK, ON
Vehicle: Toyota RAV4 XLE 4DR 2WD 2014
CAA My Pace	$1,249
Pembridge	$1,252
CAA Connect	$1,725
CAA	$1,816
Savings from the top 4 lowest quotes	$567

2024/09/05

Shopper in NORTH YORK, ON
Vehicle: LEXUS ES 350 4DR 2007
CAA Connect	$2,323
CAA	$2,444
Wawanesa	$2,712
GORE	$3,107
Savings from the top 4 lowest quotes	$784

5 star reviews for car insurance in North York

Rated 4.7 out of 5 stars in 1428 Google reviews

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Kathleen Matthews

2024-08-13

Denise Phillips was extremely helpful and found us the best insurance option for our situation. She was responsive, knowledgeable, and very friendly! Thank you!!

valerie armstrong

2024-08-08

Denise was absolutely splendid i was having a rough day, she was able to help calm me down and she listened! She found me a better quote then i could ask for!! Denise was amazing!! Ask for her when you call! She’ll go above and beyound for you. So happy and thankful i came across you Denise, your honestly god sent, and a wonderful person. Thank you so much!! :)

Bluemoon

2024-08-08

I was coming to tail end of my auto insurance renewal and wanted to shop around due to the dramatic price hike. I was glad to give ThinkInsure a call and quickly reached Denise Snider Phillips who was amazing and friendly to deal with! I recommend Denise for your insurance needs. She’s a real expert in her field and made my insurance search and renewal a quick and smooth process! Thank you Denise for your amazing service!

Sara Pérez Álvarez

2024-08-08

Pooyan Saeidi has been our Insurance Broker for years taking care about our rental condo insurance and he makes always an amazing job! Nice person and great service! He always reminds you the renewal before it expires looking for the best price and services for you. We highly recommend him and ThinkInsure!!

Ellen Hay

2024-08-06

Today, I had an opportunity to speak to Denise Snyder Phillips. i was unhappy with a part of my policy. She was patient and attentive with me. She was also well informed and helped me to understand my policy. I really appreciated her assistance. I wish her well! Ellen Hay

Creative Village

2024-08-01

I've been with Thinkinsure for about a year now, and I have to say that Betsy Bannon is the main reason I'm still a happy customer. As a grassroots non-profit founder and Executive Director, I didn't know much about insurance when I first started. Betsy was incredibly patient with all of my questions and really took the time to listen to my concerns. She's efficient, and detail-oriented, and has created a trusting environment for me to get my insurance needs sorted out. I always go directly to Betsy when I need insurance for my non-profit organization because of the exceptional service she provides. She's the only broker I've worked with at Thinkinsure, and I really value the great experience she consistently delivers!

Adam Thompson

2024-08-01

We worked with Todd A. to get both our home and auto insurance covered. He was awesome, easy to talk to and prompt with all his responses and help. I will definitely go with ThinkInsure next year and hope Todd is still there when the time comes.

Moll

2024-07-31

Received a quote from Betsy. What a fabulous experience! She is so personable and knowledgeable. I would definitely recommend her! Thanks again Besty 😀

What is the average car insurance in North York?

The average car insurance rate for North York is $2,584 per year, based on ThinkInsure customer quote data. This is just over $215 per month, making it one of the most expensive regions for insurance in the GTA.

North York car insurance rates from 2019-2023

The cost of car insurance in North York has remained fairly consistent since 2019. Unlike other cities, there was not a big dip in rates during the pandemic. Premiums have gone up and down.

Year	Average annual premium
2023	$2,584
2022	$2,796
2021	$2,614
2020	$2,754
2019	$2,643
Average rate (2019-23)	$2,678

How do auto insurance rates compare to nearby cities?

Rates in North York are similar to other cities within close distance, even though they tend to be slightly higher. Generally, annual premiums are between $200 - $300 ($16-$25 per month). Here’s an overview of how North York companies to other cities:

City	Avg premium
Scarborough	$2,666
North York	$2,584
Woodbridge	$2,467
East York	$2,466
Concord	$2,448
Richmond Hill	$2,441
Markham	$2,429
Thornhill	$2,359

What areas in North York have the cheapest car insurance?

Where you live in North York can affect your rates. Whether you live in Yorkville, Willowdale, Downsview, Glen Park, Bayview Village, or other neighbourhoods can change your premiums by hundreds of dollars per year.

Based on our customer data, residents in the M3A postal code area of Yorkville have the lowest rates in the North York region. People in the M6L postal code area pay the most. Here’s an overview of costs based on your location within the city:

Postal code	Premium
M2H	$2,890
M2J	$2,311
M2K	$2,166
M2L	$2,365
M2P	$2,337
M3A	$2,083
M3H	$2,643
M3J	$2,727
M3N	$2,963
M6A	$2,779
M6B	$2,771
M6L	$2,998
M9L	$2,431
M9M	$2,583

North York car insurance FAQs

Is car insurance higher in North York?

Yes, people in North York typically have some of the highest auto insurance premiums in the GTA. Rates are commonly a few hundred dollars more annually. But this is not the case for everyone. If you are a driver with a clean record and good insurance history, you can have much lower rates than other drivers in North York. Reach out to our brokers to explore your options.

Why are North York auto insurance premiums so expensive?

Auto insurance premiums cost more in North York for a few specific reasons. The region has some of the busiest highways and roads in the country. This brings with it more drivers and cars. So, there is an increased risk of accidents, claims, and fraud. When there are heightened threats, insurers increase their premiums.

What top factors affect car insurance costs in North York?

Insurers have a long list of considerations for calculating risk and setting auto insurance premiums. These factors are used for every driver that completes a quote. Here are the top considerations that will affect your costs:

Location
Age
Gender
Martial status
Driving experience
Vehicle type
Vehicle use (length of commute, business use, kilometres travelled)
Driving record and claims history
Policy type and coverage limits
Other drivers listed on the policy

How do I get cheaper North York car insurance prices?

With higher than-normal rates, it's even more important for North York residents to take steps to save money. Here are some ways you can reduce your rates.

Remain accident and claims-free
Shop around annually
Compare quotes with a broker
Sign up for usage based insurance
Make your vehicle more difficult to steal - add aftermarket anti-theft devices
Bundle home and auto insurance to save on both policies.

Start saving on North York car insurance today

There are many insurance companies to get your car insurance with in North York. Our brokers will compare quotes and from the top providers to help you save on the insurance you need. Start a quote online or call us today to find out how much we can help you save on your auto policy.

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Sources

* Based on the difference between the average lowest premium and the overall average premium in North York 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 North York on ThinkInsure.ca from January 1, 2023, to January 31, 2024.

Insurance Blog And News

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2024-09-06

Compare North York Car Insurance Quotes

We help drivers save up to $1,009* on car insurance in North York.

Compare car insurance quotes from the leading providers

Get the lowest rates on North York auto insurance

Top things to know about North York car insurance