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32,450 Canadians

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What our users say:

April 22
Your agent Nathan was amazing and so…
Your agent Nathan was amazing and so helpful.
Alecia O'Brien
April 19
Prompt response
Prompt response. Good info to make a decision. Helpfull that info was sent to ...
Margaret Bird
April 19
Sean was easy to talk too and very…
Sean was easy to talk too and very informative.
Angela
April 19
Good job
The staff was helpful and knew what were doing.
Franziska Pedersen
April 17
Good pricing
Pleasant broker and helpful
Phyllis
April 17
filled out form online less than 5mins…
filled out form online less than 5mins called right away and setup call with bro...
ct
April 16
The Agent was very kind and helpful!
The Agent was very kind and helpful!
Istvan Kiraly
April 16
Great customer care she is good 👍
Great customer care she is good 👍
Anthony Odia
April 15
Simple and clear!!
Fast response ! Friendly knowledgeable staff!
Kent Fewer
April 15
great rep provided all the information…
great rep provided all the information I needed to make an informed choice
KAREN FOBERT
April 12
After I got the quotes somebody…
After I got the quotes somebody followed up with me and put me trough with an ag...
Stefan Ciucas
April 12
fast responce
fast responce, great people to talk to explaining everything, What a Great web s...
Larry Rowthorn
April 9
Very helpful advice and great overall…
Very helpful advice and great overall service.
mark
April 6
Easy to deal with and very helpful
Very easy, good use of technology and customer follow up was awesome
Steve Miller
April 6
Easy and friendly process.
Easy and friendly process.
shr
April 5
So good service ,,
So good service ,,, Tammy service me so so good
Son Nguyen
April 5
Very good service.
Very good service.
Tanya Neufeld Eckert
March 30
easy to work with…
easy to work with and find what I needed fast.
Pierre Duprey
March 25
Immediate response
Immediate response
Donald Henderson
March 6
Very helpful team !
Very helpful team !
Shivali Patel
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
January 31
Representative was extremely helpful…
Representative was extremely helpful and was able to assist in all our needs.
Laura Dunsford
January 19
I was treated very well
I was treated very well, the person that was helping me was very helpful and fou...
Tim Bob
January 18
Great service
The response to my inquiry was quick. I received a phone call a few hours later ...
Sherri Leclerc
December 4
Quick turnaround
Quick turnaround, I am really happy with the process so far.
Breno Mendonca
November 11
process was easy and professional
The process was easy and professional
James Robichaud
November 1
The young man was very courteous and…
The young man was very courteous and professional. We didn't qualify due to low...
Teresa Penning
October 26
Quick and friendly response.
Quick and friendly response.
Dan Rochon Rochon

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

We can help you find cheap car insurance in Richmond Hill.

Being 30 minutes away from the hustle and bustle of Toronto, driving in Richmond Hill can be a relaxing experience. But only if drivers secure a great car insurance policy at the best possible rate.

Finding the best car insurance rates in Richmond Hill can be a long and tedious process for drivers. But it doesn’t have to be so challenging.

Luckily, there are lots of auto insurance companies serving Richmond Hill. Let accelerate the process by comparing rates from multiple insurance companies serving Richmond Hill in just a few minutes. At LowestRates.ca, you can find the cheapest car insurance prices from Richmond Hill car insurance brokers or agents — just like that.

All you have to do is enter your postal code to get started. And, if you’re not ready to secure a rate just yet, read on for more information about car insurance in Richmond Hill.

Front view of a car. Illustration.

See how our customers in Richmond hill save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from April 23, 2024
Customer
Male, 22 years old
Location
richmond hill
Vehicle
2021 LEXUS RX450H 4DR AWD
Lowest Rate
$564/mth
$6,770/yr
Average Rate
$1,130/mth
$13,565/yr
Saved
$566/mth
50.09%
Quote from April 23, 2024
Customer
Male, 22 years old
Location
richmond hill
Vehicle
2017 VOLKSWAGEN JETTA GLI 4DR
Lowest Rate
$238/mth
$2,859/yr
Average Rate
$371/mth
$4,449/yr
Saved
$133/mth
35.74%
Quote from April 23, 2024
Customer
Male, 39 years old
Location
richmond hill
Vehicle
2024 MAZDA MX5 GT CONVERTIBLE
Lowest Rate
$283/mth
$3,398/yr
Average Rate
$350/mth
$4,200/yr
Saved
$67/mth
19.10%

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 Richmond Hill.

Most popular cars in Richmond Hill.

Drivers in Richmond Hill are diverse but they all have one thing in common. They all want a great car insurance policy. We pulled LowestRates.ca data about car insurance shoppers in Richmond Hill to give you an idea of who’s shopping here. To start, here are the most popular car brands in Richmond Hill among online shoppers:

Popular Brands

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

Who shops for auto insurance in Richmond Hill?

Driving is a big part of life in Richmond Hill. This means that car insurance is top of mind for residents of this city. Here’s a snapshot of who’s shopping for car insurance in Richmond Hill based on gender, average age and driving history:

Gender of our users

Male
67%
Female
33%

Average Age

37

years old

Tickets & Accidents

Have Tickets
12%
Have Had Accidents
11%

What can I do to get cheap car insurance in Richmond Hill?

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 Richmond Hill car insurance, answered.

How much is car insurance in Richmond Hill?

Because car insurance is such a customized product, there’s no standardized cost for car insurance in Richmond Hill. As we’ll explore in more detail later on, your car insurance premiums will be impacted by a wide range of factors, including the loss ratios of car insurance companies in Richmond Hill.

Car insurance calculators geared for Richmond Hill 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 Richmond Hill.

Which Richmond Hill postal code has the highest average premium?

The postal code with the highest average automobile insurance price in Richmond Hill is the L4E region. Here you’ll find a number of golf courses including the Diamond Black Golf Club and the Summit Golf and Country Club. You’ll also find several lakes, including Wilcox Lake, Bond Lake and Lake St. George.

Which Richmond Hill postal code has the lowest average premium?

The L4C region pays the lowest prices for car insurance in Richmond Hill. In addition to another golf club, this district also includes the Mackenzie Health Hospital, the Richmond Hill GO station and the Richmond Hill Public Library.

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

GTA drivers are known for paying more than the provincial average for car insurance premiums. Using data from our database, we’ve calculated the top five most expensive cities for car insurance in Ontario. You’ll note that Richmond Hill isn’t on this list.

  1. Brampton
  2. Scarborough
  3. Etobicoke
  4. Mississauga
  5. Toronto

Where do I get the cheapest car insurance quotes in Richmond Hill?

If you’re looking for one provider that will offer the cheapest car insurance rates to all its customers, we’re sorry to say it doesn’t exist. This is because car insurance is a complex product which is customized to your unique driving history and financial circumstances.

Every insurance company underwrites risk differently, depending both on factors within your control and factors out of your control. Factors that you can’t control that will influence your car insurance rates include your age, your gender and, in some cases, where you live. In addition, the loss ratios of the company you’re working with may also be a factor. These are calculated using the claims history of that company’s other customers. These factors can make finding affordable car insurance in Richmond Hill difficult.

While many factors out of your control do go into calculating your rate, don’t worry, you still have control over a number of factors, which when taken together, can help you score a better rate.

This is also why comparing the car insurance market is so important. By comparing quotes from multiple providers serving Richmond Hill, you’ll get a sense of what you can expect to pay. You’ll also be able to see which car insurance providers favour your risk profile.

What factors determine my car insurance rates in Richmond Hill?

There are a number of factors that determine your car insurance rates in Richmond Hill. Here 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 Richmond Hill may see higher rates due to this. This is also why students who need car insurance in Richmond Hill 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 Richmond Hill 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 when compared to the more experienced drivers they share the road with. This is another reason why insurance companies don’t give new drivers in Richmond Hill 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 Richmond Hill who hold car insurance policies may have trouble getting cheap 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 Richmond Hill, 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 Richmond Hill may also face challenges because they have no Canadian insurance history at all.

However, this can be mitigated by asking your last insurance company to provide a reference for you when switching to a new provider.

What types of auto insurance are offered in Richmond Hill?

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.

What impacts your car insurance premiums in Richmond Hill?

  • Growing population: Richmond Hill was the fastest-growing Canadian municipality throughout the 1900s, beating out even Brampton. Cities with higher population density tend to pay higher rates for car insurance.
  • Difficult winter driving conditions: Driving in Richmond Hill in the winter can actually be trickier than driving in Toronto, as Richmond Hill gets more snow. Areas with a higher risk of weather-induced collisions are likely to pay more for car insurance.

Tips for reducing your car insurance premiums in Richmond Hill:

  • Buy winter tires: Being located right along the Ontario Snowbelt, Richmond Hill actually gets much more snow than Toronto. To counteract the premium increases that may come with this, try purchasing winter tires to obtain a discount on your car insurance rates.
  • Enroll in a telematics program: Depending on how much — and how well — you drive in Richmond Hill, you may be able to reduce your premiums. A telematics program can help you do just that by recording your mileage and your driving habits for your insurance company so you can qualify for discounts. The only caveat is that you’ll need to demonstrate good driving habits in order to get the discount at renewal.
  • Bundle your home and auto insurance together: Lastly, a common way to qualify for car insurance discounts is to bundle your home and auto insurance together. Most insurance companies will reward customers who hold more than one policy with them. To find out if you qualify, ask your broker or agent about this option. You can indicate that you’re planning on doing this during the quote application process on LowestRates.ca
Jessica Vomiero

Jessica Vomiero

About the Author

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

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*Represents the average saved by shoppers who obtained a Richmond Hill quote on LowestRates.ca and transacted via our contact centre between January and December 2022. 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 LowestRates.ca.