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Car insurance in Oakville

Want lower rates for car insurance in Oakville? All drivers do. Even though rates tend to be a bit lower in Oakville compared to other regions within the GTA, it’s still important to get a quote for auto insurance each time your policy is up for renewal.

With over 225,000 residents and counting, it is one of the most densely populated areas in the Halton Region and across the country. Unfortunately, this means high traffic volume. These facts all have an impact on Oakville residents’ auto insurance premiums. So, it makes sense to shop around.

With ThinkInsure, you can compare quotes from the leading insurers in Canada to find a better rate for your coverage. It's easy to see the best quotes online, or you can call us, and we can help you save on car insurance in Oakville.

Key takeaways about Oakville car insurance

Drivers pay an average of $1,950 annually for premiums.
Rates are slightly more than the provincial average.
Oakville has some of the cheapest rates in the Halton region.

How to compare car insurance quotes in Oakville

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5 star car insurance in Oakville

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 does car insurance in Oakville work?

Oakville drivers follow the same car insurance rules and regulations the province sets. All drivers must have car insurance in Ontario. You must have a minimum level of coverage. You also have the choice to increase coverage for added protection. Here’s a breakdown of the mandatory and optional coverage:

Mandatory Oakville car insurance

The following is included in all policies:

Third party liability: $200,000 in coverage.
Accident benefits: This will cover medical costs if you are hurt in a crash.
Uninsured motorist: You have protection if an uninsured driver hits you.

As of January 1, 2024, Direct compensation property damage will no longer be mandatory. You have the option to drop this coverage by adding OPCF 49 to your policy. Speak with your broker to discuss if this makes sense for you.

Optional auto insurance in Oakville

You can add one or more of the following to enhance your plan:

Collision insurance: For vehicle damage from a crash.
Comprehensive insurance: For damage from non-driving events, such as theft.
Specified perils insurance: Protection for perils listed in your policy.
All perils insurance: Combines collision and comprehensive. Includes all perils unless they are specifically excluded.

Latest Oakville car insurance quotes

2024/11/15

Shopper in OAKVILLE, ON
Vehicle: BMW X5 M50i 4DR AWD 2023
CAA My Pace	$1,509
Intact	$1,957
CAA Connect	$2,539
Travelers	$2,652
Savings from top 4 cheapest quotes	$1,143

2024/11/06

Shopper in OAKVILLE, ON
Vehicle: HONDA CR-V TOURING HYBRID 4DR AWD 2023
Intact	$1,509
CAA Connect	$1,876
CAA My Pace	$1,929
CAA	$1,975
Savings from top 4 cheapest quotes	$466

How much does auto insurance cost in Oakville?

Car insurance rates in Oakville are more affordable than in other parts of the GTA. Drivers can expect to pay, on average, around $1,950 annually, which is slightly more than the provincial average of $1,737. Rates are more affordable than car insurance in Toronto and many other cities nearby.

Car insurance rates from 2022-2023

Based on our customer quote data, premiums in Oakville went down in 2023. Here’s an overview of rate changes by year:

Year	Average annual premium
2023	$ 1,950
2022	$ 2,675
Average rate (2019-23)	$ 2,313

Oakville auto insurance costs compared to local cities nearby

Even though premiums are higher than the provincial average, they are affordable compared to other cities in Halton and surrounding regions. Here’s a comparison:

City	Avg premium
Mississauga	$ 2,369
Hamilton	$ 2,338
Milton	$ 2,272
Guelph	$ 1,989
Oakville	$ 1,950
Burlington	$ 1,820

***

Tips to get the cheapest car insurance in Oakville

Use these tips to help get cheaper car insurance in Oakville:

Let us do the work: The most efficient way to review policy options is to work with our advisors. Let us compare car insurance quotes from our large selection of insurers and help you save more.
Use accurate information: Always provide the most up-to-date, detailed, and accurate information about your vehicle, driving record, and drivers.
Review your needs: Your needs change over time. Review and make sure your coverage meets your current driving requirements.
Check prices annually: Renewal time is your opportunity to find cost savings.
Your car: Drive an insurance-friendly vehicle to reduce your rates. Vehicles with high safety ratings are a good choice for savings.
Claims: Staying claims-free will get you a lower premium.
Coverage: Only get the amount you require. Don’t pay for additional protection if it’s not needed.

Oakville driving facts and tips

Here are Oakville specific driving facts that can affect your car insurance:

Lots of driving route options: Major highways such as the QEW, Highway 403, and the 407 ETR all travel through the city. Expect traffic delays, accidents, construction, and high volume.
Large commuter location: A large percentage of residents commute to downtown Toronto for work. Many others also commute into the city to work at Ford Motor Company, Halton Healthcare, Sheridan College, and other local businesses.
High road test failures: According to Google Maps, Oakville is one of the most difficult places to pass road tests. They have one of the highest failure rates for the G and the G2 road tests compared to other cities in the province. Study up and practice your parallel parking!
Drive safe near Oakville place: One of the busiest areas of the city, drivers need to watch out for pedestrians, cyclists, and other vehicles. Avoid distracted driving and stay focused; your shopping trip could get a lot more expensive if you’re involved in an accident.
Beat the traffic: High traffic volume is common during the morning and afternoon commutes. Try to drive during off-peak hours to avoid congestion. You’ll shorten your commute.

Affordable car insurance for all Oakville area neighbourhoods

Where you live within Oakville can affect how much you pay for car insurance. Costs are higher in some neighbourhoods than in others. We can help you get the lowest prices regardless of where you live:

Old Oakville (downtown)
Kerr Village
Bronte
College Park
Glen Abby
West Oak Trail
East Lake
Clearview
Palermo
River Oaks
Uptown Core
Iroquois Ridge North
Iroquois Ridge South

Oakville car insurance FAQs

How do I get discounts for car insurance in Oakville?

You may qualify for a number of car insurance discounts in Oakville. You can find new discounts when you get an estimate. Speak with our experts about the discount you might qualify for to lower your fees.

Does your address affect car insurance rates in Oakville?

Yes. Your location, including your street address and postal code, is used by insurers to determine your auto insurance premium in Oakville. Check quotes and see what the lowest rates are where you live.

When is the best time to get a car insurance quote in Oakville?

Now is always a great time to get a quote for car insurance in Oakville, especially if it’s been a while since you last reviewed your options. Always get an estimate when your policy is up for renewal or when you change vehicles or your coverage.

Who is the top insurance company in Oakville?

There are a lot of great auto insurance companies in Oakville. You just need to find the best one for you. Comparing quotes from multiple providers lets you see different products, coverage options, and pricing. Choose the plan and provider that makes the most sense for you.

Getting a lower Oakville car insurance rate is easy

We know you don’t want to spend hours and hours comparing rates. You want a simple way to get more affordable insurance.

Whether you prefer to call us directly or get an online quote, our experts will make the comparison process quick and easy. You provide us with your information; we’ll get you the best rates and coverage from the top insurers in Oakville and find you exactly what you need.

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Sources

* Based on the difference between the average lowest premium and the overall average premium in Oakville for estimates completed from January 1 to December 31, 2023, for drivers with a clean driving record.

** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from 2019-2023.

*** Estimated prices are based on data from January 1, 2023, to December 31, 2023, by drivers with a clean driving record living in Oakville on ThinkInsure.ca.

Insurance Blog And News

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

2024-11-14

Compare Oakville Car Insurance Quotes

Save $699* on car insurance in Oakville by comparing the cheapest rates today.

Compare Oakville car insurance quotes from the leading providers

Car insurance in Oakville

Key takeaways about Oakville car insurance