North York Car Insurance

1-855-550-5515

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

Compare car insurance quotes from the leading providers

See all providers

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

Compare quotes for free with these easy steps.

1) Start your quote

Enter some basic info.

2) Tell us about your driving and vehicle

Provide your driving and vehicle information.

3) Compare your quotes

See quotes from the top providers.

Choose your policy

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

Get Started

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

2024/12/21

Shopper in NORTH YORK, ON
Vehicle: KIA FORTE SX 2DR 2011
CAA My Pace	$664
CAA Connect	$2,099
Intact	$2,196
CAA	$2,210
Savings from the top 4 lowest quotes	$1,546

2024/12/21

Shopper in NORTH YORK, ON
Vehicle: MERCEDES-BENZ C300W 4MATIC 4DR 2015
CAA My Pace	$1,412
Pembridge	$3,855
Aviva Journey	$3,937
CAA Connect	$4,147
Savings from the top 4 lowest quotes	$2,735

5 star reviews for car insurance in North York

Rated 4.7 out of 5 stars in 1463 Google reviews

See what our customers are saying about us.

See all reviews

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!

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.

Get Started

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

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

2024-12-13

Best Tips For Driving In Fog

If you need to drive in heavy fog, using safe driving techniques can limit the chance of an accident. Here’s how you can drive safely in fog.

couple talking to insurance broker over a pile of documents

2024-12-10

Statutory Accident Benefits Schedule In Ontario - SABS

The Statutory Accident Benefits Schedule in Ontario ensures certain benefits are available to any person injured in a car accident. In this blog, we’ll discuss what the statutory accident benefits schedule is and the role it plays in insurance and accident benefits claims.

2024-11-29

Pay-As-You-Go Insurance In Canada

Learn about pay-as-you-go in Canada. Find out the costs, how it works, who it’s for and its role in the future of automobile coverage.

Road sign saying beware uninsured drivers

2024-11-27

Driving Without Insurance In Ontario

When it comes to driving without insurance in Ontario, the fines and penalties are not worth the risk. Learn about the most common questions about driving without coverage, fines, penalties, consequences and the potential impact on your policy.

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