Compare Whitby Car Insurance Quotes

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Save $882* on car insurance in Whitby by comparing the lowest rates online in just a couple of minutes.

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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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1) Start your quote

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3) Compare your quotes

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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

2024/08/27

Shopper in WHITBY, ON
Vehicle: MITSUBISHI OUTLANDER SE 4DR AWD 2023
CAA My Pace	$1,200
Travelers	$1,844
CAA Connect	$2,240
Intact	$2,275
Savings from the top 4 lowest quotes	$1,075

2024/08/19

Shopper in WHITBY, ON
Vehicle: JEEP CHEROKEE SPORT 4DR 4WD 2018
Travelers	$2,084
CAA Connect	$2,174
Intact	$2,279
CAA	$2,287
Savings from the top 4 lowest quotes	$203

5 star reviews for car insurance in Whitby

Rated 4.7 out of 5 stars in 1428 Google reviews

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Kathleen Matthews

2024-08-13

Denise Phillips was extremely helpful and found us the best insurance option for our situation. She was responsive, knowledgeable, and very friendly! Thank you!!

valerie armstrong

2024-08-08

Denise was absolutely splendid i was having a rough day, she was able to help calm me down and she listened! She found me a better quote then i could ask for!! Denise was amazing!! Ask for her when you call! She’ll go above and beyound for you. So happy and thankful i came across you Denise, your honestly god sent, and a wonderful person. Thank you so much!! :)

Bluemoon

2024-08-08

I was coming to tail end of my auto insurance renewal and wanted to shop around due to the dramatic price hike. I was glad to give ThinkInsure a call and quickly reached Denise Snider Phillips who was amazing and friendly to deal with! I recommend Denise for your insurance needs. She’s a real expert in her field and made my insurance search and renewal a quick and smooth process! Thank you Denise for your amazing service!

Sara Pérez Álvarez

2024-08-08

Pooyan Saeidi has been our Insurance Broker for years taking care about our rental condo insurance and he makes always an amazing job! Nice person and great service! He always reminds you the renewal before it expires looking for the best price and services for you. We highly recommend him and ThinkInsure!!

Ellen Hay

2024-08-06

Today, I had an opportunity to speak to Denise Snyder Phillips. i was unhappy with a part of my policy. She was patient and attentive with me. She was also well informed and helped me to understand my policy. I really appreciated her assistance. I wish her well! Ellen Hay

Creative Village

2024-08-01

I've been with Thinkinsure for about a year now, and I have to say that Betsy Bannon is the main reason I'm still a happy customer. As a grassroots non-profit founder and Executive Director, I didn't know much about insurance when I first started. Betsy was incredibly patient with all of my questions and really took the time to listen to my concerns. She's efficient, and detail-oriented, and has created a trusting environment for me to get my insurance needs sorted out. I always go directly to Betsy when I need insurance for my non-profit organization because of the exceptional service she provides. She's the only broker I've worked with at Thinkinsure, and I really value the great experience she consistently delivers!

Adam Thompson

2024-08-01

We worked with Todd A. to get both our home and auto insurance covered. He was awesome, easy to talk to and prompt with all his responses and help. I will definitely go with ThinkInsure next year and hope Todd is still there when the time comes.

Moll

2024-07-31

Received a quote from Betsy. What a fabulous experience! She is so personable and knowledgeable. I would definitely recommend her! Thanks again Besty 😀

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

Insurance Blog And News

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

2024-09-06

Whitby Car Insurance

Save $882* on car insurance in Whitby by comparing the lowest rates online in just a couple of minutes.

Compare Whitby car insurance quotes from the leading providers

Find better auto insurance rates in Whitby

What you need to know about Whitby car insurance