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Find better auto insurance rates in Whitby

Whitby car insurance rates can be expensive. The closeness to Toronto and high traffic volume are contributing factors. Fortunately, there is something you can do about it. Residents can use a Whitby insurance broker to compare more affordable car insurance premiums.

It's easy to compare car insurance quotes from the top insurance companies to find the cheapest rates in Whitby. Get started online, or give us a call. We’re ready to help you save.

What you need to know about Whitby car insurance

The average cost for car insurance is over $2,400 per year, making the city one of the most expensive in the GTA.
Car insurance rates in Whitby have been on the rise since 2019.
Using an insurance broker to compare quotes can help you find the lowest rates.

How to compare car insurance quotes in Whitby

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How does Whitby car insurance work?

Car insurance works the same no matter where you live in the province, including Whitby. All drivers are legally required to follow Ontario car insurance laws and regulations. Here’s a quick summary of how things work:

Insurance is mandatory, and you need it to drive.
A minimum of $200,000 in third-party liability is required. You cannot get a policy with less than this amount. You can get additional coverage, but this will increase your costs.
You can buy policies through a private insurance company via an insurance broker.
No-fault insurance applies. This means you work with your insurer for all car insurance claims.
Fines start at $5,000 if you get a ticket for driving without insurance

Ready out to our insurer brokers if you have additional questions about how insurance works.

What is included in mandatory car insurance in Whitby?

A mandatory minimum amount of insurance is in place to protect all drivers. Every insurer driver on the road will have at least the following coverage:

Third party liability: You have $200,000 in coverage. Most drivers increase this to at least $1 million in coverage because the cost of liability claims is increasing.
Accident benefits: This covers the costs of medical assistance if you or any passengers are injured in an accident. This includes recovery (attendant care, rehabilitation, and other associated care)
Uninsured motorist: This covers you if an uninsured driver causes an accident. You also have hit-and-run coverage.
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. However, your policy will automatically include it until you remove it.

What optional car insurance coverage in Whitby should I consider?

All drivers can customize their auto insurance. You can select add-ons to maximize protection, alter your policy, and choose budget-friendly solutions. Here are the most common optional coverage our customers choose to include:

Collision insurance: This covers vehicle damage from accidents with other vehicles and objects (trees, street signs, medians and barriers).
Comprehensive insurance: This provides protection from non-driving events. For example, theft and vandalism.
All perils insurance: This combines comprehensive and collision coverage so you have protection from all types of damage.
Specified perils insurance: You have coverage for threats that are listed in your policy. If they are not listed, they are not covered. This is a more affordable option.
Insurance endorsements: Also referred to as riders, these allow you to add specific types of coverage or alter existing coverage limits.

Recent Whitby car insurance quotes

2024/12/19

Shopper in WHITBY, ON
Vehicle: JEEP LIBERTY SPORT 4DR 4WD 2003
CAA My Pace	$928
GORE	$2,369
Intact	$2,478
Pembridge	$2,812
Savings from the top 4 lowest quotes	$1,884

2024/11/21

Shopper in WHITBY, ON
Vehicle: HYUNDAI ELANTRA GL 4DR 2014
CAA My Pace	$656
CAA Connect	$1,659
CAA	$1,746
Aviva Journey	$2,064
Savings from the top 4 lowest quotes	$1,408

5 star reviews for car insurance in Whitby

Rated 4.7 out of 5 stars in 1463 Google reviews

See what our customers are saying about us.

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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!

How much does car insurance cost in Whitby?

Whitby car insurance rates are some of the highest in the GTA. They are significantly higher than the provincial average. The average cost for car insurance in Whitby is $2,422. At this rate, monthly payments are $201.

Even though premiums can be expensive in Whitby, it doesn't mean they have to be costly for you. All drivers are different. If you can maintain a clean driving record, compare quotes regularly, and take steps to reduce your rates, you could have much lower premiums. Speak with our brokers about your options.

How do auto insurance rates in Whitby compare to other cities?

Auto insurance rates in Whitby are similar to other cities within close distance. In Oshawa premiums are within about $200 per year. The same goes for Ajax and Pickering. Here’s an overview of how these Durham region cities compare:

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

Whitby car insurance premiums from 2019-2023

Whitby car insurance premiums are on the rise. There was a slight dip in rates during the pandemic. However, post-pandemic, rates have increased close to $300 annually. Here’s a summary of rate changes by year:

Year	Average annual premium
2023	$2,422
2022	$2,333
2021	$2,130
2020	$2,103
2019	$2,180
Average rate (2019-23)	$2,233

Whitby car insurance FAQs

Why are car insurance rates in Whitby expensive?

Whitby’s relative location to Toronto is a contributing factor to higher rates. Only 45 minutes east of downtown, with Highway 401 passing through the city, the region has considerable traffic volume. There are many commuters on the roads. More cars lead to more accidents and more claims.

How do I save money on car insurance in Whitby?

There are lots of actions you can take to reduce your costs. Here are some of the most effective ways you can reduce how much you pay for insurance:

Drive safe and don't get into accidents
Only file claims unless necessary
Shop around and compare quotes annually
Choose a vehicle that is favourable to insurers
Sign up for usage based insurance
Add extra security features to protect your car
Combine home and auto insurance with the same provider

What are the main factors that affect how much I pay for Whitby auto insurance?

Many things contribute to how insurers calculate your premiums. Some you can control, and others you cannot. Here are the top things insurers consider when setting your rates:

Age, gender, marital status
Driving experience and licence type
Where you live (city, neighbourhood, postal code)
Vehicle type, cost, features
Vehicle use
Driving record and claims history
Policy type, limits, and endorsements

What are the best Whitby car insurance companies?

There are many top insurance companies to consider. Each one offers something unique. This is why they are different and worthy of comparison. Our brokers can help you compare insurance quotes from all the best companies, including CAA, Intact, Aviva, and many more.

Start saving on Whitby car insurance

Shopping for insurance for the first time? Is it time to renew your policy? Taking action and comparing your options is the best way to save. Our brokers can help you compare insurance quotes from all the best companies. 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 Whitby 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 Whitby on ThinkInsure.ca from January 1, 2023, to January 31, 2024

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