Pickering Car Insurance: Get An Online Quote

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Pickering auto insurance for better rate

Thousands of people commute from Pickering daily, making car insurance an essential form of protection. As you pass through Durham along Highway 401, there’s no shortage of potential threats - traffic, trucks, construction, and collisions. This is where insurance helps. Even though premiums in Pickering are comparable to the GTA, there are ways you can reduce your costs.

Our insurance brokers can help you quickly compare the cheapest car insurance quotes in Pickering. You can choose the best coverage options and discounts from the top insurance companies in Canada. We’ll help you find personalized auto insurance based on your driving needs in Pickering. Get started online, or give us a call.

Top things to know about Pickering car insurance

Pickering has some of the most affordable auto insurance rates in the Durham region.
The average cost of car insurance in Pickering is $2,213.
Pickering car insurance premiums have remained about the same as pre-pandemic rates.

How to compare Pickering car insurance quotes

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3) Compare your quotes

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How does car insurance work in Pickering?

Insurance can be confusing. There are a lot of terms and rules. There is also a lot of misinformation out there. So, it can be difficult for people to know how things work. We’ll clear this up here. Car insurance is compulsory in Canada, including Pickering. Here’s a brief overview of how insurance works:

You need a valid driver's licence to get insurance
Ontario car insurance rules apply. The FSRAO oversees provincial regulations
All drivers require a minimum of $200,000 in third-party liability
You can personalize your policy by adding optional coverage
You buy insurance from private insurance companies via an insurance broker.
A no-fault insurance system is in effect. You deal with your insurer for all claims, including if you are in a collision. Your insurer will pay your claims, even if you are at fault.
There are significant Fines for driving without insurance. They start at $5,000 and go up to $50,000.
Policies need to be renewed annually. At this time, you can shop around and compare rates or continue with your current provider

Is there mandatory car insurance in Pickering?

Car insurance is mandatory. All drivers need to carry a minimum amount of coverage. Here’s an overview of the basic coverage included in all policies:

Third-party liability: You require a minimum of $200,000 in liability coverage. We recommend you increase the coverage limit to $1 million or more.
Statutory accident benefits: This is included in basic plans. It provides medical care if you are injured in an auto accident.
Uninsured motorist: You receive protection if you are hit by an uninsured driver or a victim of a hit and run.
Direct compensation property damage: DCPD covers accident damage when you are not at-fault. While no longer mandatory, it will still be included in your plan unless you opt out by using OPCF 49.

What is Pickering's most common optional car insurance coverage?

Insurance companies offer optional coverage to personalize your policy and add extra protection. There are many ways you can customize your plan. Here are the most common options people include:

Collision insurance: Accidents happen. This coverage will cover damage from accidents.
Comprehensive insurance: Cars get damaged in many ways, even when you’re not driving them. This protects your car from non-accident damage.
All perils insurance: This is a combination of comprehensive and collision coverage. So, your vehicle is protected from all types of threats.
Specified perils insurance: This is a more affordable policy option that only covers you for the threats that are listed in your policy.

Pickering drivers can get personal car insurance with insurance endorsements

Insurance endorsements are another way to customize your coverage. You can add specific types of coverage or alter existing coverage limits. Options available will depend on your insurer.

Recent Pickering auto insurance quotes

2024/11/19

Shopper in PICKERING, ON
Vehicle: ACURA RDX 4DR AWD 2016
Intact	$1,417
Aviva Journey	$1,459
CAA My Pace	$1,502
Aviva	$1,621
Savings from the top 4 lowest quotes	$204

2024/11/14

Shopper in PICKERING, ON
Vehicle: ACURA MDX 4DR 4WD 2015
Aviva Journey	$1,663
Aviva	$1,847
CAA Connect	$2,243
CAA My Pace	$2,299
Savings from the top 4 lowest quotes	$636

5 star reviews for car insurance in Pickering

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 much is car insurance in Pickering?

Pickering car insurance prices are more affordable than those of most cities in the Durham region. The average cost for car insurance in Pickering is $2,213, based on ThinkInsure customer quote data. This works out to a monthly payment of $184, or $46 per week.

Your premiums may differ depending on experience, driving record, and other considerations. Compare quotes with our brokers for an accurate estimate based on your information. It only takes a few minutes!

How do Pickering auto insurance premiums compare to other nearby cities?

Rates in Pickering are similar to other cities within close distance. Oshawa car insurance premiums are within a few dollars per year. Pickering is more affordable than other cities in Durham, based on ThinkInsure customer data. Here’s how the cities compare:

City	Avg premium
Scarborough	$2,666
Whitby	$2,422
Ajax	$2,398
Oshawa	$2,227
Pickering	$2,213

Pickering car insurance rate trends (2019-2023)

Car insurance premiums in Pickering have been up and down over the past few years. Rates took a dip during the pandemic and then spiked in 2022. Today, rates are similar to the pre-pandemic levels. Here’s a summary of premium changes:

Year	Average annual premium
2023	$2,213
2022	$2,673
2021	$2,188
2020	$2,368
2019	$2,229
Average rate (2019-23)	$2,334

Pickering car insurance FAQs

How do I save on car insurance in Pickering?

Saving money on car insurance is a priority for most drivers in Pickering. Rates are higher than the provincial average.

Here’s a checklist of things to consider to find cost-saving opportunities:

Clean record: Keep an accident and claims-free record
Shop around: Comparison shop annually to see what insurers are offering the best rates
Deductible: Increase your deductible to a higher amount to reduce your premiums
Discounts: Explore all potential discounts with your broker
Usage-based insurance: Drive less and sign up for usage based insurance
Security: Add aftermarket security features to make your car more difficult to steal
Combine coverage: Bundle home and auto insurance to save on both.

What factors have the most significant effect on how much I pay for auto insurance in Pickering?

Insurers have a long list of considerations they use to calculate how much they charge for premiums. All drivers are compared against this list to assess their level of risk - the likelihood of them getting into a collision or filing a claim. Here’s a list of the main factors:

Demographics: Age, gender, and marital status
Experience: Licence type and number of years as a licenced driver
Location: Where you live - city, neighbourhood, and postal code
Vehicle type: Brand, features, safety rating, MSRP
Driving habits: How you use the vehicle and what you use it for
Driving record: Tickets, claims, fines, suspensions.
Coverage: Your policy type and plan limits

What are the best Pickering car insurance companies?

Comparing insurance companies is more complex than other price comparisons you may encounter. Insurers offer different products and services and set rates using a unique set of considerations. So, no two are the same, making it worthwhile to compare your options before agreeing to a policy.

There are many top insurance companies to consider - CAA, Intact, Aviva and more. All of which are partners with ThinkInsure. Our brokers can help you compare insurance quotes from all the best companies.

Start saving on Pickering car insurance today

Comparing car insurance quotes is the best way for Pickering residents to reduce costs. You can get coverage from all the best companies in minutes. 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 Pickering 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 Pickering 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.

2024-11-20

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