How much is car insurance in Oshawa?
Drivers in Oshawa can expect to pay about $ 2,257 annually for auto insurance premiums. Amounts will vary based on your neighbourhood, vehicle type, coverage, insurer, and many other factors.
Costs are higher than the provincial average in Ontario. However, costs are potentially hundreds of dollars less than Toronto car insurance and many other cities in the GTA.
Here’s a breakdown of how much you can expect to pay:
- Annually: $ 2,257
- Semi-annually: $ 1,128.50
- Quarterly: $ 564.25
- Monthly: $ 188.08
- Weekly: $ 43.40
- Daily: $ 6.18
Rates are based on ThinkInsure customer quote data for Q1 2024 (Jan 1 to March 15, 2024)
Oshawa car insurance rates from 2019-2024
Insurance premiums change frequently. Rates undergo regular fluctuations due to insurers' evaluation of data about claims, repair expenses, accidents, and various other considerations. Moreover, your driving record and potential eligibility for additional discounts can contribute to these changes in rates. As you can see below, prices have changed quite a bit over the past few years in Oshawa:
| Year |
Average annual premium |
| 2024 |
$ 2,257 |
| 2023 |
$ 2,017 |
| 2022 |
$ 2,489 |
| 2021 |
$ 1,861 |
| 2020 |
$ 2,398 |
| 2019 |
$ 2,202 |
| Average rate (2019-24) |
$ 2,204 |
**
Oshawa auto insurance premiums by driver type
The amount you pay for auto insurance depends on you and your current situation. Insurers consider variables such as age, demographics, driver classification, and driving record to determine your premiums. To assess the influence of these factors on your payments, we studied our customer quote data. Here's what we discovered:
| |
Premium |
Monthly |
Difference |
| Driver type |
| All drivers |
$ 2,246 |
$ 187 |
0 |
| Young drivers (25 and under) |
$ 2,848 |
$ 237 |
26.80% |
| Middle age (25 - 50) |
$ 2,382 |
$ 199 |
6.06% |
| Mature/senior drivers (50+) |
$ 1,480 |
$ 123 |
-34.11% |
| High risk drivers |
$ 4,994 |
$ 416 |
122.35% |
| Demographics |
| Male |
$ 2,257 |
$ 188 |
0.49% |
| Female |
$ ,230 |
$ 186 |
- 0.71% |
| Married |
$ 2,073 |
$ 173 |
- 7.70% |
| Single |
$ 2,360 |
$ 197 |
5.08% |
| Driving record |
| Clean driving record |
$ 2,246 |
$ 187 |
0 |
| 1 ticket within the past 3 years |
$ 2,429 |
$ 202 |
8.15% |
| 1 accident in 3 years |
$ 2,985 |
$ 249 |
32.90% |
| 1 cancellation in 3 years |
$ 2,681 |
$ 223 |
19.37% |
| 1 suspension in 3 years |
$ 2,711 |
$ 226 |
20.70% |
*****
Auto insurance rates in Oshawa compared to local cities nearby
Compared to other local cities, car insurance prices in Oshawa fall somewhere in the middle. See the comparison here:
| City |
Avg premium |
| Ajax |
$ 2,217 |
| Whitby |
$ 2,176 |
| Oshawa |
$ 2,090 |
| Pickering |
$ 2,018 |
| Bowmanville |
$ 1,833 |
| Uxbridge |
$ 1,587 |
****
What areas in Oshawa have the cheapest car insurance?
The location within the city where you live can influence your insurance expenses. In Oshawa, the variation between postal codes means a difference in how much you pay. So, if you have plans to relocate, this is a significant factor to bear in mind. Here’s an overview of how your postal code can affect your premiums:
| Area in City of Oshawa |
Postal Codes |
Avg Premium |
| Central Oshawa |
L1G |
$ 2,320 |
| Southeast Oshawa |
L1H |
$ 2,187 |
| Southwest Oshawa |
L1J |
$ 2,365 |
| Oshawa East |
L1K |
$ 2,066 |
| Oshawa North |
L1L |
$ 2,374 |
***
What are some tips to get cheap auto insurance in Oshawa?
![cars driving on highway]()
Saving money is the goal. However, while most drivers in Oshawa understand that they should check rates to see if they can find cheaper car insurance, many still don’t.
If you want to get the lowest premium possible, there are several things you can do to help yourself, including :
- Shopping around for car insurance quotes from multiple companies each time your plan comes up for renewal.
- Trying to be a safe and effective driver each time you get behind the wheel.
- Talk with your insurer about discounts you may qualify for.
- Assessing your needs – making sure you don’t have too much or too little protection.
- Avoiding distracted driving temptations.
- Considering insurability when shopping for a vehicle. Safer vehicles are generally more affordable to insure.
These simple yet effective tips can help you lower your costs. Couple these tips with checking quotes regularly, and you will put yourself in a better position to pay less without sacrificing high-quality coverage.
