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What our users say:

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
It was a very professional service
It was a very professional service. The person.was polite
Hugo Figueroa
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 10
Good experience
Good experience
AV
May 9
👍👍👍👍
They are friendly and helpt
Maria
May 9
Best customer service
Best customer service.
HARIDASAN VELAYUDHAN
May 7
Very professional
Very professional, quick and prompt answers.
DORIN COTOI
May 7
Customer service was 10/10
Customer service was 10/10, very informative and helpful/friendly.
Emily
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 rate.ca to find the best raye for any of my insurance a...
Eli
May 2
Knowledgeable staff.
Knowledgeable staff.
paul malandrino
April 27
Very Helpful and Professional
Quick, and professional. Explained everything really well and answered all my qu...
Bonnie
April 26
A great agent...all my questions…
A great agent...all my questions answered I think Maria is an asset to your comp...
Ron Tombari
April 24
Great customer service
Great customer service! Ethan took the time to go over specifics with me! He was...
Margaret Lewis
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 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.
shr
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

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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 LowestRates.ca 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 LowestRates.ca 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 LowestRates.ca.

Front view of a car. Illustration.

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

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from May 26, 2024
Customer
Male, 35 years old
Location
woodbridge
Vehicle
2006 LEXUS IS 250 4DR
Lowest Rate
$265/mth
$3,180/yr
Average Rate
$332/mth
$3,985/yr
Saved
$67/mth
20.20%
Quote from May 25, 2024
Customer
Female, 39 years old
Location
woodbridge
Vehicle
2021 TOYOTA HIGHLANDER XLE V6 4DR AWD
Lowest Rate
$348/mth
$4,177/yr
Average Rate
$554/mth
$6,642/yr
Saved
$205/mth
37.11%
Quote from May 25, 2024
Customer
Female, 76 years old
Location
woodbridge
Vehicle
2015 HONDA ACCORD SPORT 4DR
Lowest Rate
$46/mth
$549/yr
Average Rate
$96/mth
$1,153/yr
Saved
$50/mth
52.39%

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

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 LowestRates.ca 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 LowestRates.ca 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 LowestRates.ca. 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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*Represents the average saved by shoppers who obtained a Vaughan  auto insurance 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.