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15,492 Canadians

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What our users say:

July 12
Excellent service
The lowest rates agent called me right after I finished the initial question and...
D-Glenn Surgenor
July 11
Professional all the way!
They were able to find the right coverage at the right price in a short time. P...
July 7
The name says it all
The name says it all, lowest rates available and very professional service. 5 st...
Adam Koester
July 5
The service I received today 7/4/24 was…
The service I received today 7/4/24 was amazing and swift.
July 3
Quick results
Quick results, connected with a company in no time at all. Ended up doing busine...
Paul in Calgary
July 2
Prompt reply
Fare and competitive rate
Obaid Khan
June 29
Saved me $300 a year
Eric Buls
June 29
Amazing service
Amazing service, very quick response and helpful staff
Abdo Antoun
June 28
There was an instant offer and then…
There was an instant offer and then quick follow up.
June 28
The people I was dealing with were…
The people I was dealing with were knowledgeable and very helpful
June 27
Guve us the best what we looking for
Genelyn Tacaisan
June 27
When I booked a time to call me
When I booked a time to call me, they were right on time - no waiting with eleva...
June 26
Easy process
Easy process, very helpful
Shauni Needham
June 25
Great customer service, friendly staff.
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 20
Good rates using
June 10
The service was quick and convenient.
The service was quick and convenient.
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 to find the best raye for any of my insurance a...
April 19
Sean was easy to talk too and very…
Sean was easy to talk too and very informative.
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.

How comparing auto insurance quotes works. Hint: it’s free!


Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.


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

We can help you find cheap car insurance in Milton.

Milton drivers know that a car is essential for living and working in this growing city located about an hour west of Toronto. We’ve saved Milton drivers hundreds of dollars by lowering their auto insurance bills, and we can help you find a better rate, too.

The best way to find out which car insurance company is right for you is to compare the market. At, we make it easy to find the cheapest car insurance by comparing rates from multiple providers in just a matter of minutes. All you have to do is enter your postal code in the form above to get started.

Once you’ve selected a rate, a broker or agent will get in touch with you to help you secure it and take advantage of any additional savings.

If you’re not ready to take the plunge, don’t worry. Keep reading for more information about what factors influence your car insurance rates and where you might pay the most — and the least — for car insurance in Milton.

Front view of a car. Illustration.

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

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from July 15, 2024
Male, 24 years old
Lowest Rate
Average Rate
Quote from July 14, 2024
Female, 26 years old
Lowest Rate
Average Rate
Quote from July 14, 2024
Male, 30 years old
Lowest Rate
Average Rate

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

Focus on

Driving in Milton.

Most popular cars in Milton

If you want to get around easily in Milton, you’re going to need a car. Here’s a look at the most popular types of cars Milton auto insurance shoppers are driving, based on the thousands of car insurance quotes completed on

Popular Brands

  1. Honda
  2. Toyota
  3. Hyundai
  4. Toyota truck/van
  5. Honda truck/van

Who shops for auto insurance quotes in Milton?

There are thousands of drivers hitting the road in Milton each and every day. Because driving is such a big part of life in Milton, car insurance is, too. Here’s who’s shopping for car insurance in Milton, based on data from

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 Milton?

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 car insurance in Milton, answered.

How much is car insurance in Milton?

Because car insurance is such an individualized product, it can be hard to determine the cost of car insurance in Milton.

That said, the Insurance Bureau of Canada notes that the average cost of car insurance in Ontario is $1,505. Drivers in Milton may pay a little more or less than this depending on their personal driving history and vehicle specifics. On average, they can expect to pay about 50% more than the provincial average.

The average age of drivers in Milton skews young, and we know that young drivers pay the most for car insurance. In fact, the average age of shoppers comparing rates on from Milton is 33. We also know that gender plays a role in the cost of automobile insurance in Milton and elsewhere, with men paying more for car insurance than their female counterparts.

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

Despite being higher than the overall provincial average, Milton isn’t first on the list of the top five Ontario cities with the highest car insurance rates. According to data from, the highest auto insurance premiums in the province can be found in:

  1. Brampton
  2. North York
  3. Mississauga
  4. Scarborough
  5. Toronto (42% cheaper than Brampton)

That said, car insurance in Milton is still higher than the provincial average. Suburbs that have lots of road traffic tend to have higher than average auto insurance premiums. As a result of this increased population and road traffic, the prevalence of theft and collision is higher in Milton simply due to its size. Factor in the average age of drivers and their gender, you get a higher cost of insurance. But it’s not all bad news for drivers in Milton.

According to data from, Milton drivers pay, on average, 32% less than drivers in neighbouring Mississauga. Milton's auto insurance rates are nearly identical to those in Oakville and Georgetown.

When compared to nearby Burlington, drivers in Milton pay more than double. This is likely due to the high number of senior drivers in Burlington, which would bring down the average price. Car insurance in Milton for seniors is likely to be cheaper than the rates available to younger, more inexperienced drivers in the same city.

If you live in Milton and you want to own a car, don’t sweat these numbers too much. Where you live is just one factor among many that car insurance companies look at when determining your auto insurance premiums. Your personal driving habits and history will be the most important factor when determining your estimated car insurance premiums in Milton.

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

The price of car insurance in Milton is a unique and personal thing, simply due to the fact that it’s based on a number of different factors. Different car insurance companies in Milton will offer different rates based on their own unique systems. Factors that can influence your insurance costs in Milton include:

  • Postal code
  • Gender
  • Vehicle make and model
  • Types of insurance coverage selected
  • Personal driving history
  • Claims history

All these factors go into calculating your risk profile, which insurance companies use to determine your premiums, which is why one Milton auto insurance company may offer you a different rate than another.

While several of the factors that go into calculating your insurance rate are out of your control, there are a few things you can do to ensure you’re getting the most affordable car insurance you can in Milton. Most importantly, maintain a good driving record, and ensure you make any insurance payments on time. Finally, be sure to compare the rates of different car insurance companies to get a sense of what you might pay. Using a car insurance broker based in Milton can help you get the best rate, as can using a comparison site such as

What factors affect the cost of car insurance in Milton?

There are several factors that determine your car insurance rates in Milton. Here are some to consider:

Your licence level: Only having your G1 or G2 will cause your insurance premiums to be higher. Conversely, having a full G licence has a positive effect on your car insurance rates. New drivers looking for car insurance in Milton may see higher rates as a result.

Your mileage: Another major factor in determining your rates is how far you drive on a daily basis. If you’re driving an hour to and from work every day, you’re likely to have higher premiums than someone who uses their vehicle to only run the odd errand.

Your postal code: The postal code you live in partially determines the rates you pay. If you live in an area with a higher number of claims, you could find yourself shelling out for higher premiums than a neighbour in an area with fewer claims even just a couple of streets over.

Your driving record: Your personal driving history weighs heavily into how much you pay for car insurance. If you have any tickets or accidents in your history, you’ll, unfortunately, end up paying higher premiums than someone with a clean driving record. Additionally, those with less than 10 years of driving experience may find their car insurance rates are higher than those with more experience.

Your insurance history: In addition to your driving history, your insurance history can also play a role in determining your rates. Those with a history of multiple claims or missed payments are likely to be given a higher rate than those without a track record. Furthermore, new immigrants and young drivers who need car insurance in Milton may also face challenges because they have no Canadian insurance history at all. You may be able to ask your last insurance company to provide a reference for you when switching to a new provider, as a means of helping allay any fears a new company might have about taking a risk on someone with little insurance history.

Your age: Whether you like it or not, your age will also factor into the cost of your car insurance in Milton. Younger drivers — those under the age of 30 — see some of the highest premiums across Canada. This makes it difficult for new drivers in Milton to get cheap car insurance.

On the flip side, adults between the ages of 50 and 70 get some of the lowest car insurance rates in Canada. This is because their long driving history shows them to be a safe and reliable driver (in the absence of convictions and claims, of course). After age 70, rates often increase again as this demographic are statistically more likely to need to file a claim and need longer to recover from an injury

Your policy: The types of coverages on your policy can also affect how much you’ll pay for auto insurance. A policy with a higher deductible will have higher monthly premiums than one with a lower deductible. While there are optional coverages available, everyone in Canada is required to have at least a basic level of car insurance.

What are car insurance rates in Milton for students?

Aside from drivers with convictions, students pay some of the highest car insurance premiums in Milton and indeed across the province.

That’s because they are considered a higher risk due to their lack of driving history and insurance history. If you’ve been insured since you could get your licence at the age of 16, you probably won’t see your premiums begin to dip until your mid-twenties.

The best way for students to get cheap auto insurance in Milton is to compare rates with a broker or through a site such as

You can also save on your car insurance by being listed as the secondary driver of your parents’ car, rather than having your own car. Insurance for secondary drivers costs less than it does for the primary driver.

You may also qualify for an insurance discount by maintaining a certain GPA — inquire with your provider. Finally, completing a driver’s education program and showing your provider the certificate of completion can also help lower your rates.

Car insurance for young drivers in Milton tends to be costly, but data shows that inexperienced drivers stand to find the largest savings by comparing insurance rates from multiple companies: the spread between the highest and lowest quotes is often in the hundreds of dollars.

What are car insurance rates in Milton for new immigrants?

If you’ve recently immigrated to Ontario, you cannot drive without the proper licencing and insurance. You will need to trade in your licence from the country you’ve emigrated from within 60 days in order to receive an Ontario driver’s license. Ask your previous insurance company to provide a reference for your new Ontario-based provider to help secure a lower car insurance rate.

What are car insurance rates in Milton for high-risk drivers?

Having multiple traffic convictions or a shoddy payment history will put you in the high-risk category with most insurance companies. You’re considered even higher risk if you’ve ever had your licence revoked for any reason.

This high-risk classification means insurance companies think it likely they’ll need to pay out a claim on your behalf at some point. This results in higher premiums for you as a driver.

It can be especially challenging for high-risk drivers in Milton to find car insurance, but there are some companies that cater specifically to this demographic. You might also be able to purchase facility insurance, which is a financial pool that is funded by Canadian insurance companies to offer coverage to high-risk drivers.

How can I reduce my car insurance premiums in Milton?

While many of the factors that determine your car insurance premiums are out of your control, there are a few things you can do to ensure you’re getting the most affordable car insurance you can in Milton.

Most importantly, maintain a good driving record, as this has the greatest impact on what you’ll pay. Secondly, ensure you make any insurance payments on time.

If possible, ensure you get your full G class licence to take advantage of the best rates. Driving as little as possible and opting for basic coverage will also help to reduce your premiums.

Don’t forget to ask about discounts for completion of a driver’s education program, or bundling your car insurance with your home or other insurance.

Finally, be sure to compare the rates of different car insurance companies to get a sense of what you might pay. Using a car insurance calculator for Milton can help you get the best rate, as can using a comparison site such as

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*Represents the average saved by shoppers who obtained a Milton quote on and transacted via our contact centre between January and December 2023. 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