About Oshawa car insurance


No Canadian city identifies itself with cars more than Oshawa does. This historic community, located approximately 60 km east of Toronto, has been manufacturing passenger vehicles for over a century and boasts some of the most advanced automotive factories in the world. It's little wonder why Oshawa's official motto is "Automotive Capital of Canada" — what other town even comes close?

Canada's "Motor City" has a great network of roads, which includes Highway 401 and Highway 2. The city's also known for its many one-way streets, which move rush hour traffic along, but challenge new drivers. And a rich automotive heritage doesn't help Oshawa residents find affordable car insurance. Luckily, LowestRates.ca can help you get the lowest quotes from the top insurers — just like that.

Most popular brands


It's no secret: Oshawa is a GM town. Even our data backs it up.

Most popular automotive brands - Oshawa

Who shops for auto insurance in Oshawa?


Based on our own data, Oshawa car insurance shoppers skew younger than in many other Ontario cities.

Our users' gender
Who is shopping for insurance - Oshawa - By Gender
Tickets and accidents in Oshawa
Who is shopping for insurance - Oshawa - By Tickets and Accidents
Average age of our users
Who is shopping for insurance - Oshawa - By Average Age

Driving in Oshawa: facts and myths

Fun facts
  • Automobile production began in Oshawa in 1907 when the McLaughlin Carriage Company sealed a deal with Buick to buy its engines. That year, 198 McLaughlin automobiles were built.
  • In 1918, McLaughlin merged with Chevrolet Motor Car Company of Canada to create General Motors of Canada, a brand that's still going strong to this day.
  • The list of vehicles recently produced or currently being produced in Oshawa includes the Buick Regal, Chevy Camaro, Chevy Impala, Chevy Equinox, and Cadillac XTS.
  • A traffic light was recently installed at the intersection of Harmony Road and Conlin Road in Oshawa. The new light resulted in an immediate reduction in the number of accidents at that location.
  • Simcoe and Bloor Street is Oshawa's most dangerous intersection. False. While Simcoe and Bloor is known as the site of way too many fender-benders, Ritson Road and Bond Street has more accidents per year.
  • The section of the 401 running through Oshawa is getting four extra lanes. False. There are no immediate plans to widen the Oshawa portion of the 401.
  • You'll only see GM cars on Oshawa streets. False. Oshawa drivers do tend to drive GM vehicles, but you can spot other car brands on the road too. Usually domestic makes like Ford and Dodge.
  • Oshawa doesn't have vibrant educational institutions. False. The city is home to the cutting-edge University of Ontario Institute of Technology, plus Durham College and a satellite campus of Trent University.

Oshawa driving tips

  1. Mind those one-way streets. Oshawa is known for its numerous, and at times tricky, one-way streets. The city's two main downtown thoroughfares, King and Bond street, are both one-way. If you've never driven in Oshawa, make sure you're going in the right direction.
  2. Watch for the other drivers on those one-way streets. You know Oshawa like the back of your hand, but other drivers might not. Stay extra alert, check your blind spots, and watch your mirrors for newbies. Be extremely cautious in areas where two-way roads turn to one-way roads and vice-versa.
  3. Merge onto the 401 at highway speeds. If there ever is a place to hit the accelerator, it's on a 401 on-ramp. Traffic moves quickly on the Oshawa section of the 401, and the on-ramps are notoriously short. You need to get up to speed quickly so you can safely enter the flow of traffic on the 401.
  4. Get snow tires. Lake effect snow in Oshawa packs a punch. When the weather turns cold, Oshawa drivers need to outfit their vehicles with a good set of winter tires.
More ways to find a great rate