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Based on 505 reviews
September 22
Was pleasantly surprised by the prompt…
Was pleasantly surprised by the prompt response to my enquiry online. Hope it's ...
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August 17
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Within a few hours I received a call from a broker who explained the type of ins...
Louise Olivier
August 5
Received a call before I was even…
Received a call before I was even finished submitting information. Super fast se...
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August 4
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I got all the information I needed with the lowest Auto and Home insurance premi...
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August 4
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A click and few answers to questions and I got a quote almost half the price of ...
August 4
Great service!
Great service!
Linda RitaOlivier
August 3
They respond very quickly
They respond very quickly. They are very understandable. The representative I sp...
August 3
They help and did a great job assisting in new insurance
Serena MarieCasto
August 2
The agent name, Justin Farr
The agent name, Justin F. was very helpful, kind, and patient. I will surely get...
August 2
Quick efficient and very helpful 👌
Quick efficient and very helpful 👌
Khalilulla Razzaque
August 2
Web page was quick and easy to use
August 1
Great Customer Service & easy to get a…
Great Customer Service & easy to get a quote in minutes. Car Insurance premium a...
Nadeem Sheikh
July 30
Good experience was pretty quick
Good experience was pretty quick
Grant W.Murray
July 29
The agent was friendly
The agent was friendly, helpful and polite. All in all a good experience.
July 29
Extremely simple
Extremely simple, and fast process.
July 26
excellent, professional service
July 23
Very kind and helpful
Very kind and helpful
April Shannon
July 22
Easy to find easy to use website which…
Easy to find easy to use website which provided me with options.
Randall McLellan
July 22
Excellent service
Excellent service
Sven Zorz
July 21
They were great
They were great
July 21
Excellent pricing
Excellent pricing
pankaj joshi

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When you find the best quote, secure your Markham auto insurance rate by talking to a licensed broker or agent.

We can help you find cheap car insurance in Markham.

The average Markham driver pays double the provincial average for car insurance — not an insignificant chunk of change.

We’ve saved Markham drivers hundreds of dollars by lowering their auto insurance bill and we can help you find a better rate, too. Luckily, there are lots of auto insurance companies serving Markham. The best way to find out which car insurance company is right for you is to compare the market. At, you can find the cheapest car insurance prices from Markham car insurance brokers or agents — just like that.

Just enter your postal code and hit the pink button.

We’ll compare policies from multiple car insurance companies serving Markham and connect you with the broker or agent offering the cheapest quote.

Not ready to compare quotes yet? Keep reading for tips on shopping for a cheaper car insurance policy in Markham.

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See how our customers save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
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Female, 44 years old
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Focus on

Driving in Markham

Most popular cars in Markham.

According to data gathered at, these are the car brands online car insurance shoppers in Markham 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 cheap auto insurance quotes in Markham.

Gender of our users


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

What can I do to get cheap car insurance in Markham?

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.

Your questions about Markham car insurance, answered.

How much is car insurance in Markham?

There is no standardized cost for car insurance in Markham, because car insurance is an extremely customized product. Your premium will depend on a number of different factors — some which are in your control and some that are not — including how other drivers in Markham with the same car insurance company behave. Car insurance calculator tools geared for Markham drivers require less information, but this also makes them less accurate. Keep reading for more information on how you can roughly estimate your car insurance costs in Markham.

Which Markham postal code has the highest average premium?

The postal code with the highest average automobile insurance price in Markham 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 17% more than the overall Markham average.

Which Markham postal code has the lowest average premium?

The L6C region pays the lowest prices for car insurance in 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 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. We’ve benchmarked the average premiums in other suburbs and cities to the Markham average. Here’s how they compare to Markham:

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

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. Even though it’s hard to find deals on auto insurance, it’s still possible to get a lower rate. One company might be better prepared to take on a client with your driving profile.

It’s true that there are many things you can do to encourage a lower auto insurance rate. Some things, however, are out of your control.

These factors include your age and gender, along with the insurance company’s loss ratio, which is calculated using the claims histories of the other people insured by the company you’re working with. These factors can make finding affordable car insurance in Markham difficult.

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 prioritize cost over your safety. 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?

There are a number of factors that determine your car insurance rates in Markham. Here’s are some to consider:

Your licence level: Not having a full licence will cause your premium to be higher. Conversely, having a full licence has a positive effect on your car insurance rates. New drivers looking for car insurance in Markham may see higher rates due to this. This is also why students who need car insurance in Markham may face challenges securing an affordable rate.

Your mileage: How much you drive everyday is another major contributor to what you’ll pay in auto insurance rates. Someone that’s driving 30-45 minutes to and from work each day will pay more in car insurance than someone who only uses their car to run the occasional errand.

Your postal code: Insurance companies determine your rates partially based on the postal code you live in. If your area generally has a higher concentration of claims, you may find yourself paying higher rates than people living in the next postal code over.

Your driving record: Your driving history is another factor that will weigh heavily on how much you pay for car insurance. Someone with an accident or multiple tickets on their record will pay more for insurance than someone with a clean record because they’ll be deemed higher risk. Having little driving experience (approximately less than 10 years), previous claims, and driving convictions will push your car insurance rates up. For this reason, car insurance rates for high-risk drivers in Markham may be higher than the average rate.

Your age: Like it or not, the younger you are, the more you’ll pay in car insurance (rates level out by age 30). This is because you’re considered a high risk driver until you’ve built up a driving history that demonstrates the opposite. There isn’t much you can do about it, but at least you’re not alone. Young people across Canada face the same high auto insurance rates than the more experienced drivers they share the road with. This is another reason why insurance companies don’t give new drivers in Markham a cheap rate on their car insurance.

However, being young isn’t the only way age can impact your car insurance rates. Adults between the ages of 50 and 70 get some of the lowest car insurance rates in Canada. If you belong to this demographic, you probably have a long history of being insured and you might even have bundled your home insurance policy with the same provider of your auto insurance. After age 70, rates begin to creep up because people in this age group are statistically more likely to need to file a claim and need longer to recover from an injury. Therefore, seniors in Markham who hold car insurance policies may also pay higher rates.

Your policy: How much you pay in auto insurance is impacted by how much auto insurance you buy. There are a number of different policies to choose from in Markham, but everyone in Canada is required to have at least a basic level of car insurance.

Your insurance history: In addition to having a poor driving history, your insurance history can also play a role in determining your rates. If you’ve filed multiple claims or have a history of missing payments, you may be given a higher rate. Furthermore, new immigrants who need car insurance in Markham may also face challenges because they have no Canadian insurance history at all.

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.
Jessica Vomiero

Jessica Vomiero

About the Author

Jessica is the former Associate Editor for Before joining the team, Jessica worked as a National Online Journalist with and previously spearheaded the launch of the Business Section at one of Canada's largest technology websites, MobileSyrup.

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