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Driving in Oakville.

Most popular cars in Oakville

The city of Oakville is a popular suburb for families and professionals alike.As such, driving is a big part of everyday life in Oakville. Here are the most popular car brands in Oakville, among online auto insurance shoppers.

Popular Brands

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

Who shops for car insurance in Oakville?

Oakville aims to be the most livable city in Canada, located just 30 km from downtown Toronto with easy highway access. Here’s a snapshot of who’s shopping for cheap auto insurance quotes in Oakville.

Gender of our users


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

Your questions about Oakville car insurance, answered.


How much is car insurance in Oakville?

There is no standardized cost for car insurance in Oakville, 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 the loss ratios of the car insurance company in Oakville you’ve selected. Car insurance calculator tools geared for Oakville 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 Oakville.

Which Oakville postal code has the highest premiums?

According to data, the postal code with the highest average automobile insurance price in Oakville is the region of L6. This postal code district includes the Uptown Core region of Oakville. This district runs right along Queen Elizabeth Way, which also houses Sheridan College.

Which Oakville postal code has the lowest premiums?

The L6K region pays the lowest prices for car insurance in Oakville, according to data from This family-friendly district includes to elementarys, a high school, restaurants, shopping centres and other attractions.

How do Oakville car insurance quotes compare to other cities in Ontario?

The city of Oakville is one of Ontario’s most popular suburban areas. Being just 30 kilometres from Toronto with easy access to the highway, it’s no wonder that driving is such a big part of everyday life in Oakville. If you’re wondering how rates in Oakville compare to Ontario’s most and least expensive cities for car insurance, take a look at the data below.

The most expensive cities to purchase car insurance in Ontario are (in order from most to least expensive):

  1. Brampton
  2. North York
  3. Mississauga
  4. Scarborough
  5. Toronto

These are the cities that pay the least for car insurance in Ontario (starting with the cheapest):

  1. Ottawa
  2. Kingston
  3. Pembroke
  4. Cornwall
  5. Brockville

As you can see, Oakville didn’t make either list, meaning that it sits somewhere in between. We’ve provided this data because where you live in Canada does have an impact on how much you’ll pay in car insurance, and Ontario drivers are known for paying some of the highest fees in the country. However, it’s not the only factor. Your premiums are influenced by a number of factors — some which are in your control and some which are not.

There are a number of things you can do to secure a cheaper car insurance rate. These may include your age, your driving history and your credit rating. While there are some things you can do to secure an affordable car insurance rate in Oakville, some factors remain out of your control.

This might include the loss ratios of the insurance company you’re insured by, which are calculated using the claims history of that company’s other customers. In addition, your postal code might impact your rates as well, as insurance companies tend to charge different rates depending on which district you live in. This is why finding a cheap car insurance policy isn’t always easy. Even when you do everything right, there are still some factors you can’t control.

These may include the car insurance premiums paid by people in your area or the loss ratios of the insurance company you’re working with. These are influenced by the driving histories of other customers as well as the company’s underwriting standards. This is why finding a cheap car insurance policy isn’t as straightforward as you might think.

We suggest focusing on the things you can control, such as being a safe driver and making insurance payments on time. Lastly, don’t forget to compare the market to ensure that you’re getting the best rate. You might be surprised at how much you can save from one insurance provider to the next.

What factors determine my car insurance quotes in Oakville?

There are a number of factors that determine your car insurance rates in Oakville. 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 Oakville may see higher rates due to this factor. This is also why students who need car insurance in Oakville 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 Oakville 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 (until you’re about 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 might be hesitant to give new drivers in Oakville 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, though, you might see your rate 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 Oakville who hold car insurance policies may also pay higher rates due to a higher rate of accidents in this age group.

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 Oakville, 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 Oakville may also face challenges because they have no Canadian insurance history at al

What kind of car insurance do I need in Oakville?

Third party liability and accident benefits - You must carry this type of insurance to legally operate a car in Ontario. This type of basic car insurance policy protects your liability if you injure someone else in a collision. It also 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 the cost to repair or replace your car if it 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.

Where do I get cheap car insurance quotes in Oakville?

Because car insurance is such a customized product, there is no one place that provides the cheapest car insurance premiums to all customers. In addition, there are a number of factors contributing to your car insurance rates that you can’t control.

These might include the insurance company’s loss ratios or the rates paid by the other residents of your area. In addition, there are a number of factors you can control, including being a safe driver and making your insurance payments on time. There’s no telling, however, how all these factors will be combined to determine your exact rate.

This is why it’s so important to compare the market to ensure you’re getting the best deal. You might be surprised at how much money you can save by going with an insurance provider that better fits your risk profile.

Facts and myths about driving in Oakville


  • You can adopt a road in Oakville. This town offers residents the opportunity to help keep their roads clean through the Adopt-a-Road program. Residents can volunteer to pick up litter along municipal roads, keeping their community streets pristine.
  • Have you ever wondered where the iconic Weather Network channel is based? This classic Canadian weather news and information channel broadcasts out of Oakville, Ontario. The Weather Network has been broadcasting nationally since 2005 — that's a lot of forecasts.


  • It's hard to get in and out of Oakville. False. The QEW, Highway 403, and the 407 ETR all run through Oakville, making the commute to and from this lakeside suburb easier than it seems.
  • People only commute from this suburb to get to work in neighbouring Toronto. False. 60% of people who work in Oakville come from outside town each day.
  • There's nowhere to shop in Oakville. False. This suburb is home to the Oakville Place Shopping Centre, which was renovated in 2004 and has 42,000 square meters of retail space.

Oakville driving tips

  • When you're making your way to Oakville Place for some retail therapy, drive courteously. This part of town bustles with pedestrians making their way from one store to another, or walking to and from their parked cars, so take extra care behind the wheel.
  • If you're driving to one of Oakville's many trails, plan ahead so you can find good parking. This town is known for its scenic nature trails, like the Bronte Creek Trail, Crosstown Trail, and scenic Waterfront Trail. If you plan on leaving your car behind to explore the scenery by foot, remember to leave your vehicle in a designated parking area.
  • If you're on your way to soak in some smooth jazz at the Oakville Jazz Festival, you need to know where the action takes place. Six separate stages are set up along Lakeshore Rd East, from Navy Street to Allan Street. Check out the maps on the Festival's official website for details on how to navigate your way to jazz bliss.

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