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Driving in Markham

Most popular cars in Markham.

According to data gathered at, these are the car brands Markham drivers tend to buy.

Popular Brands

  1. Honda
  2. Toyota
  3. Hyundai
  4. Audi
  5. Mazda

Who shops for auto insurance in Markham?

Most Markham households have at least one car, which means there are usually a lot of vehicles on Markham roads and a lot of drivers on the lookout for cheap car insurance. Based on our data, here's who's shopping for car insurance in the city.

Gender of our users


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

Your questions about Markham car insurance, answered.

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Which Markham postal code has the highest average premium?

The postal code with the highest average premium is the L3S region in southeast Markham. Its boundaries are Hwy. 407 to the north, Steeles Avenue to the south, the Rouge River to the east, and Brimley Road to the west. Drivers here pay on average $3,890 a year for car insurance or 17% more than the overall Markham average.

Which Markham postal code has the lowest average premium?

The postal code with the lowest average premium is the L6C region in northwest Markham. Its boundaries are roughly Major Mackenzie Drive East in the north, 16th Avenue to the south, McCowan Road to the east, and Hwy. 404 to the west. Drivers there pay on average $2,943 a year for car insurance or 10% less than the Markham average.

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

Drivers from neighbouring suburbs pay more for car insurance than Markham drivers, who pay on average $3,298 a year. We’ve benchmarked the average premiums in other suburbs and cities to the Markham average. Here’s how Markham drivers fare:

  1. Brampton: 43% higher
  2. Scarborough: 25% higher
  3. Etobicoke: 14% higher
  4. Mississauga: 4% higher
  5. Toronto: 6% lower

Only Toronto drivers pay less for car insurance than Markham drivers.

Where do I get the cheapest car insurance quotes in Markham?

No insurer can guarantee low prices to every policyholder. That’s not how car insurance works. And that’s also why comparing quotes is worth your while.

Insurance companies are experts at gauging risk and take many factors into account. These include your driving and insurance histories, your car, and your address. These variables help the insurance company determine whether they want to offer you coverage. They need to feel out whether you're the right kind of customer for them. Do you present too much risk to their business? Or are you unlikely to file a claim?

Insurance companies all hedge differently because they are all exposed to varying levels of risk through their customer base. That's why it’s still possible to get a lower rate, even though it’s hard to find deals on auto insurance. One company might be better prepared to take on a client with your driving profile.

The best way to get a low car insurance rate is to maintain a good driving record, apply for discounts, and choose your policy with care. Buying coverage beyond the legal minimum will increase your premiums.

And don't forget to compare car insurance quotes. The good thing about the Markham auto insurance market is that there are a lot of companies to choose from and we’ll compare them for you on

At the same time, don’t automatically go with the cheapest quote. You want to make sure that you have enough coverage at a reasonable price. Buying a policy that has a lower amount of coverage is a waste of your money if it won’t help you handle a major setback.

That’s another reason why it’s good to compare auto insurance quotes. You’ll get a sense of what the going rate is from 30+ auto insurance companies serving Markham. Seeing the spread for yourself can be eye-opening.

What factors determine my car insurance rates in Markham?

Car insurance companies partially base their premiums on claims activity in postal code regions.

Insurance premiums vary from one postal code region to the next because some neighbourhoods file more insurance claims than others. Some are more prone to theft, collisions, and other insurable risks.

There’s also a link between how bad traffic congestion is and high insurance prices. Congestion is a long-standing issue in Markham.

Another issue that’s facing Markham drivers is dangerous drivers. York Region Police say that the number of accidents caused by inebriated drivers is on the rise.

What types of auto insurance are offered in Markham?

Third-party liability and accident benefits - This is a basic auto insurance policy, You must carry this type of insurance to legally operate a car in Ontario. It protects your liability should you injure someone else in a collision and pays for your medical costs. You must have liability benefits worth at least $200,000 and accident benefits worth at least $50,000.

Collision - Covers costs if your car is damaged in a collision.

Comprehensive - Covers costs if your car is damaged by things other than a collision, including theft, vandalism, or falling objects.

Specified perils - Protects your car from insurable risks that you specify you want in your policy. If it’s not written in the policy, it isn’t covered.

All perils - A hybrid between collision and comprehensive insurance. Offers coverage if your car is damaged in a collision or by any other insurable risk.

You can customize your car insurance quote to reflect any type of coverage.

Facts and myths about driving in Markham


  • Markham’s population is forecasted to grow by 113,200 people to almost half a million by 2031.
  • Traffic congestion is the number one concern of York Region residents, according to the regional council. The region pledged $1.5 billion in investments in road construction projects that would carry on through to 2025.
  • A number of road-widening projects have been proposed, including the widening of 16th Avenue to six lanes. Two HOV lanes would be added from Woodbine to McCowan. The project was still under consideration in early 2020.
  • The City of Markham is in favour of extending the Yonge subway line as a way to reduce congestion and improve commuting options for residents.
  • Downtown Markham has a GO terminal. You can get to Union Station in Toronto by bus or train.
  • Hwy. 7 is expected to have an extra 16,000 drivers daily in 2021, bringing up the daily traffic to 65,487.
  • Traffic on Kennedy Road is expected to reach 63,400 daily drivers in 2021 — nearly double the number of daily drivers in 2016.
  • Daily traffic on Birchmount Road is also growing. By 2021, the city estimates 28,750 drivers will use the road. In 2016, there were 16,834 per day.

Markham driving tips

  1. Hwy. 7 is a bit hectic. It’s a six-lane highway with planters in the median and a boulevard bicycle path on the south side. Plus, the city added sidewalks to attract more pedestrian traffic. Some sections of Hwy. 7 also have dedicated bus lanes. As a driver in Markham, expect to share the road with many different types of traffic.
  2. Consider a Hwy 407 ETR transponder. While travelling on the 407 ETR is anything but cheap, for Markham commuters going east and west, this toll road can be indispensable.
  3. Cracking down on bad drivers is a community effort. Dangerous driving is an issue in Markham. Police laid more than 1,700 charges for impaired driving in 2019. In response, the YRP has instituted the Road Watch program, which encourages citizens to report aggressive or unlawful driving behaviour to police. Police encourage people to file a report if they witness speeding, unsafe lane changes, as well as instances of drivers disobeying traffic lights and running stop signs.

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