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What our users say:

June 24
He answered all my questions
He answered all my questions
Marcia Atkins
June 24
Mark was very helpful
Mark was very helpful
Liloutie Jairam
June 22
Got all the answers I needed
Answer all my questions and the the knowledge of the agent regarding my question...
Abbas Negravi
June 20
Advised
Quick responses with a great attitude.
ABDALQADERTK ALZUBAIDI
June 20
Good
Good rates using
Sharma
June 19
Good conversation finding best rates .
Good conversation finding best rates .
Wanda Smith
June 18
- overall good info
- pleasant knowledgeable person giving info - had to wait a bit for some 'consul...
Carman Holbrook
June 18
I wanted a cheaper rate being I'm a…
I wanted a cheaper rate being I'm a senior and a widow
Diane Bardeau
June 14
Pleasant
Pleasant, calm up to the point conversation, simple question. Thank you
Zdzislaw Waga
June 14
Your response is quick ang i got my…
Your response is quick ang i got my quote on time
Horace Delosreyes
June 12
Quick response and was able to connect…
Quick response and was able to connect me with a broker rather quickly...well do...
unknown
June 11
Spoke with Gord Allen he answered all…
Spoke with Gord Allen he answered all my questions.
Patty Bryans
June 10
Fast process.I got a call just in…
Fast process.I got a call just in minutes
Zoltan gal
June 10
The service was quick and convenient.
The service was quick and convenient.
Eddy
June 8
GOO RATE GOOD RECEPTION
GOO RATE GOOD RECEPTION
LUKE KUMAR
June 2
Great customer service!
Great customer service!
Owen Thompson
May 23
There going to help you be covered as long as you keep keep up with your monthly payments against somebody else s fire and flood damage if you started the fire or flood by no fault of your own doing .
My sister refused me to cooperaters in hamilton for apt fire insurance .they gav...
Cindy Lou
May 15
The Hope of a more cost saving policy
The Hope of a more cost saving policy
Caroline m Fremont
May 14
They went through the insurance…
They went through the insurance information with me , and allowed me to save hun...
Kevin Jessome
May 5
I was so impressed with your…
I was so impressed with your representative- Bhakti Joshi for her help in walkin...
Maureen Driscoll
May 5
The fellows were very friendly and…
The fellows were very friendly and helpful
Leona Toner
May 4
Very Helpful when time you need it
I have been using lowest rate.ca to find the best raye for any of my insurance a...
Eli
April 19
Sean was easy to talk too and very…
Sean was easy to talk too and very informative.
Angela
April 12
fast responce
fast responce, great people to talk to explaining everything, What a Great web s...
Larry Rowthorn
April 6
Easy and friendly process.
Easy and friendly process.
shr
April 5
Very good service.
Very good service.
Tanya Neufeld Eckert
March 30
easy to work with…
easy to work with and find what I needed fast.
Pierre Duprey
March 25
Immediate response
Immediate response
Donald Henderson

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Car insurance in Etobicoke

Like other districts in Toronto, Etobicoke requires car drivers, owners and lessees to carry valid auto insurance. Not doing so can lead to a fine ranging from $5,000 to $50,000, in addition to a driver’s license suspension and vehicle impoundment.

The Financial Services Regulatory Authority of Ontario (FSRA) is the governing body responsible for overseeing the auto insurance industry. It makes sure that all providers are licensed and follow the rules, while delivering fair rates to their customers.

With that in mind, let’s look at the different types of coverage offered to you in Etobicoke.

Mandatory Etobicoke auto insurance coverage

To ensure your auto insurance meets government-mandated requirements, it must include the following coverages:

Non-mandatory Etobicoke auto insurance coverage

While basic auto insurance should have you covered in most cases, you can always build on top of your coverage. Here’s what you can add:

Ready to buy auto insurance? Be sure to compare quotes on LowestRates.ca to find the cheapest auto insurance price available in Etobicoke.

Factors that determine your car insurance rates in Etobicoke

You may have noticed that some people get higher insurance rates than others for what seems like arbitrary reasons. In reality, insurers take several different factors into consideration when determining your rate, all of which are meant to estimate the likelihood of you making a claim. The likely you are to do it, the lower your rate will be.

Here are some of the factors they consider:

Car insurance rates for Etobicoke seniors

When most people think of seniors, they usually picture people aged 65 or older. However, in the insurance world, you can get the benefit of seniority as early as the age of 50. Statistically, drivers over 50 are the least likely to file a claim – due to their extensive driving experience. And as you already know, fewer claims lead to lower rates.

Despite this, once you retire, you may still find it difficult to afford auto insurance, which is why we recommend the following:

Car insurance rates for students in Etobicoke

If you’re under the age of 25 and you happen to be a student, then paying an auto insurance premium can be a tough proposition. You don’t have a consistent income (due to being in school) and your premiums are exceedingly high.

Insurers charge drivers under 25 more than older drivers because they are more likely to get into a serious accident and file claim. In fact, according to the Traffic Injury Research Foundation, more than 700 young people are killed in road crashes each year in Canada, while 50,000 are injured, often seriously. Insurers factor statistics like these into their rates, and unfortunately, even safe young drivers can’t escape their high premiums (mainly because insurers lack the data to tell safe and unsafe drivers apart).

However, you don’t have to be stuck with high premiums for long. Here’s what you can do to lower them:

Car insurance for new immigrants in Etobicoke

As a newcomer to Canada who wants to drive, there are two things you need to worry about: getting a Canadian driver’s license and purchasing auto insurance.

When it comes to insurance, the biggest problem that afflicts many immigrants is the absence of an insurance record from their previous country (as not every country requires drivers to have auto insurance). Because of this, insurers label them as ‘inexperienced drivers’ and charge them a high premium.

Given that living in Canada can already be a pricy proposition, piling a high insurance premium on top of that is bound to make things worse. However, there are several options you can try:

Car insurance for high-risk drivers in Etobicoke

If your driving record has too many traffic violations and/or if you’ve been in multiple at-fault car accidents, insurers will label you as a ‘high-risk driver,’ significantly increasing your insurance premium. Some insurers may refuse to work with you in the first place, in which case you’d have to consult the Facility Association – an organization that consists of every auto insurer in Canada and provides insurance to those who can’t get it the normal way.

For most high-risk drivers, however, the biggest worry is high premiums. Here are some steps you can take to lower them:

Front view of a car. Illustration.

See how our customers in Etobicoke save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from June 25, 2024
Customer
Male, 32 years old
Location
etobicoke
Vehicle
2014 HYUNDAI SANTA FE SPORT 2.0T 4DR AWD
Lowest Rate
$412/mth
$4,946/yr
Average Rate
$522/mth
$6,258/yr
Saved
$109/mth
20.97%
Quote from June 25, 2024
Customer
Male, 41 years old
Location
etobicoke
Vehicle
2023 HONDA CIVIC EX 4DR
Lowest Rate
$472/mth
$5,661/yr
Average Rate
$662/mth
$7,946/yr
Saved
$190/mth
28.76%
Quote from June 25, 2024
Customer
Female, 42 years old
Location
etobicoke
Vehicle
2007 DODGE/RAM NITRO SXT 4DR 4WD
Lowest Rate
$613/mth
$7,350/yr
Average Rate
$1,044/mth
$12,530/yr
Saved
$432/mth
41.34%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

How to get the cheapest car insurance in Etobicoke. 

It's easy – if you know how. Here are some of the best ways to lower your auto insurance premiums:

Shop around

We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.

Buy the right coverage

Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.

Drive responsibly

Your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.

Pay on time

Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.

Bundle up

Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.

Be safe, not sorry

Safety features like winter tires and alarm systems can help reduce your insurance premium.

Stick with one insurer

Most auto insurance companies give special discounts to customers who stay with them for a number of years.

Take a course

A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.

Keep driving

The math is clear: more experience on the road equals lower car insurance premiums. Young drivers almost universally pay higher rates for car insurance. While it’s difficult for new drivers to secure cheap car insurance rates, you may be able to lower your rates by maintaining good grades and attending driving school.

Look at location

Where you drive affects your premiums. Some areas are associated with higher rates of car accidents and theft.

Choose the right car

Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.

Track your driving

With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.

Frequently asked questions about car insurance in Etobicoke. 

 

How much is car insurance in Etobicoke?

There is no set car insurance rate for Etobicoke. Individual factors such as your driving record, age, car and so on will all play a role in determining your particular premium. Your neighbourhood in Etobicoke will contribute to this number as well. To learn more, be sure to compare quotes on LowestRates.ca to see the range of available premiums in your area.

Which Etobicoke postal codes have the cheapest average premiums?

In 2021, the cheapest auto insurance rates were in areas with postal codes starting with M8V, M8W, M8X, M8Y, M8Z and M9B. Most of these are in the south of Etobicoke, closer to Lake Ontario, where traffic is a little less dense.

Which Etobicoke postal codes have the most expensive average auto insurance premiums?

In 2021, the most expensive auto insurance rates were in areas with postal codes beginning with M9V and M9W.

Both neighbourhoods are in north Etobicoke, close to Highway 401, which is considered to be the busiest highway in North America. Given that dense traffic is one of the biggest causes of car accidents, the proximity of these neighbourhoods to the highway could explain why they have the higher rates.

How do Etobicoke car insurance rates compare to other cities in Ontario?

According to our research, Etobicoke's annual car insurance rate in 2021 was roughly 0.7% lower than the annual rate in Toronto, which has some of the highest rates in Ontario.

Will average auto insurance rates in Etobicoke increase or decrease in 2023?

2023 should see a solid increase in average auto insurance prices. In fact, a lot of insurers already filed rate increase at the end of 2022. It’s also worth noting that over the course of the pandemic, car insurance prices have decreased drastically, as fewer people were driving during the lockdown, leading to fewer accidents and filed claims. This resulted in lower rates for consumers.

However, now that the lockdown is over, more people are driving, which is bound to increase the rates back to where they were before the pandemic.

 

Taras Trofimov

Taras Trofimov 

About the Author

Taras is the Content Manager for LowestRates.ca. He has produced thought leadership content for organizations like Constellation Software, Facebook and Yellow Pages as well as outlets like The Globe and Mail, Autoblog and MSN Autos.

 

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*Represents the average saved by shoppers who obtained an Etobicoke quote on LowestRates.ca and transacted via our contact centre between January and December 2022. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by LowestRates.ca.