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What our users say:

June 2
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May 31
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May 27
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May 16
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May 13
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May 11
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May 11
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April 26
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April 13
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April 12
Review Hitesh Shriyan
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April 11
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Car insurance in Vaughan

Every vehicle owner, lessee and driver in Vaughan, and Ontario as a whole, is legally required to have car insurance.

According to the Financial Services Regulatory Authority of Ontario (FSRA), which oversees insurance rates in the province, fines for not carrying valid car insurance range from $5,000 to $50,000. Not having car insurance can also lead to a driver’s license suspension and vehicle impoundment.

That’s why the FSRA is here to make sure that car insurance agents and companies deliver fair rates to all Ontarians by ensuring they are all licensed and follow all legal guidelines. Speaking of fair rates – you can compare quotes on to find the best auto insurance price in your area.

Mandatory Vaughan car insurance coverage

Not all coverages are mandatory in Ontario. With that in mind, here are the ones that you absolutely must have:

Optional Vaughan car insurance coverage

If you want to be fully protected (or as fully as possible), then consider purchasing additional coverage. It will cost you more, but it will also guarantee a greater payout. Here are some of the optional coverages available to all Ontarians:

Factors that determine your car insurance rates in Vaughan

Wondering why your car insurance quote is not the same as your friend’s or neighbour’s? There are several factors at play. Here’s what they are:

Car insurance rates for Vaughan seniors

If you’re turning 50 soon, you may be entitled to senior car insurance rates, as drivers in the age group of 50 to 70 are among the safest.

Just be mindful of the other factors that can affect your premium. For instance, a spotty driving record – due to too many traffic tickets, impaired driving charges and/or filed claims – can still easily negate this discount. Being within the ‘safe’ age group doesn’t mean that you yourself are automatically a safe driver.

Either way, be sure to consult to find the lowest senior car insurance rates available in your area

Car insurance rates for students in Vaughan

If you’re a student driver under 25 – especially a male driver – then your car insurance rates are probably very high. Furthermore, if you also happen to live in Vaughan, one of the most expensive cities for car insurance in Ontario, then you may, in fact, be paying the highest premiums in the province.

That’s because insurers classify those under 25 as ‘young’ drivers, deeming them to be less experienced and more high-risk than their older counterparts.

Unlike senior drivers, this age group has no readily available discounts – despite arguably needing them more. However, as a student, there are steps you can take to lower your premiums. Here are some of them:

Car insurance for new immigrants in Vaughan

As a new immigrant to Canada, and by extension, Vaughan, you may already have a driver’s license from your previous country. It will remain valid for up to 60 days following your arrival, so be sure to apply for the Ontario license before it expires.

You’ll also need car insurance, since driving without it in Ontario is as illegal as driving without a driver’s license. If you don’t have an insurance record from your previous country, then your insurer will consider you a ‘new’ or ‘inexperienced’ driver, which can noticeably increase your auto insurance premium. This, coupled with the fact that Vaughan car insurance rates are some of the highest in the country, may discourage you from driving altogether.

Don’t let it! Here’s what you can do to lower your premium:

Car insurance for high-risk drivers in Vaughan

At-fault accidents and numerous traffic violations can easily put you in the ‘high-risk’ category, leading to a significant increase in your insurance premiums.

The best, and most obvious, way to lower them is by driving more carefully. Consider taking driving courses to brush up on the rules and improve your driving skills, since you may have some knowledge gaps. Your goal should be cleaning up your driving record, so that insurers no longer see you as a high-risk driver.

In fact, you may find it difficult to get insurance in the first place. If that’s the case, check out the Facility Association – a non-profit group of insurers that offers insurance to those who can’t purchase it regularly.

You can also find cheap insurance quotes for high-risk drivers on

Front view of a car. Illustration.

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

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from June 05, 2023
Male, 25 years old
Lowest Rate
Average Rate
Quote from June 05, 2023
Female, 37 years old
2011 LEXUS IS 250 4DR AWD
Lowest Rate
Average Rate

What can I do to get the cheapest car insurance in Vaughan?

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.

Frequently asked questions about car insurance in Vaughan.

How much is car insurance in Vaughan?

There is no set car insurance rate for Vaughan. Individual factors such as your driving record, age, car and so on will all play a role in determining your particular premium. Your neighbourhood in Vaughan will contribute to this number as well. To learn more, be sure to compare quotes on to see the range of available premiums in your area.

Which Vaughan postal code has the highest average premium?

You’ll find the most expensive average auto insurance premiums in Woodbridge, which has postal codes starting with L3L, L4H and L4L. Higher crime rates, which lead to increased car theft and vandalism, are likely the reason for the more expensive premiums. Denser traffic, which usually results in more accidents and insurance claims, may be the other reason.

Which Vaughan postal code has the lowest average premium?

Postal codes beginning with L0J had the lowest average auto insurance premium in Vaughan in 2021. These postal codes belong to the Kleinberg community, one of the more rural parts of Vaughan.

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

According to our research, Vaughan's annual car insurance rate in 2021 was roughly 10% higher than the annual rate in Toronto, which has some of the highest rates in Ontario.

Why is auto insurance so expensive in Vaughan?

There is no clearcut reason for why insurance rates are so expensive in Vaughan. However, one of the causes could be its inclusion in the Greater Toronto Area, which has some of the most traffic-heavy roads and highways in the province – perhaps, the entire country. In fact, Highway 401, which runs through the GTA, is believed to be the busiest highway in North America. High traffic density usually results in more accidents, which in turn, leads to more filed claims.

Higher population density also often correlates with higher crime rates. Car theft and vandalism are some of the biggest reasons for high auto insurance rates in certain areas.

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

The Kleinberg community had the lowest average auto insurance rate in Vaughan in 2021.

If you’re not from Kleinberg, and you want to find the cheapest quote possible, your best bet is to shop around until find one. There are two ways of doing so:

  • Either look up top insurers in your area and ask them for quotes

  • Or use a quote comparison tool like to find best available rate in your area.

Will average auto insurance rates in Vaughan increase or decrease in 2023?

Average auto insurance rates are likely to increase in 2023 in Vaughan. For the last few years, insurance rates have been lower in Ontario than what they used to be before the pandemic. This was because fewer people were out on the roads, which led to fewer accidents and claims. However, with more people driving again, insurance rates are bound to bounce back.


Taras Trofimov

Taras Trofimov

About the Author

Taras is the Content Manager for He has produced thought leadership content for organizations like Constellation Software, Facebook and Yellow Pages as well as outlets like The Globe and Mail, Autoblog and MSN Autos.


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*Shoppers in Ontario who obtained a quote on from January to December 2021 saved an average of 32%. The average savings percentage represents the difference between the shoppers’ average lowest quoted premium and the average of all other quoted premiums generated by and displayed to shoppers.