Compare car insurance quotes in Whitby for free. Find your best price in minutes.

On average, Whitby drivers save hundreds of dollars per year by comparing quotes with us.

Get quotes from 50+ Canadian providers in 3 minutes.

Get quotes from 50+ Canadian providers in 3 minutes.

26,467 Canadians

have compared rates and saved money over the last 24 hours

What our users say:

Based on 505 reviews
September 22
Was pleasantly surprised by the prompt…
Was pleasantly surprised by the prompt response to my enquiry online. Hope it's ...
Mishu K
August 17
Insurance quote
Within a few hours I received a call from a broker who explained the type of ins...
Louise Olivier
August 5
Received a call before I was even…
Received a call before I was even finished submitting information. Super fast se...
Robert Chiasson
August 4
Insurance Premiums
I got all the information I needed with the lowest Auto and Home insurance premi...
joseph almeida
August 4
A click and I was a few minutes away my 50% savings!!
A click and few answers to questions and I got a quote almost half the price of ...
August 4
Great service!
Great service!
Linda RitaOlivier
August 3
They respond very quickly
They respond very quickly. They are very understandable. The representative I sp...
August 3
They help and did a great job assisting in new insurance
Serena MarieCasto
August 2
The agent name, Justin Farr
The agent name, Justin F. was very helpful, kind, and patient. I will surely get...
August 2
Quick efficient and very helpful 👌
Quick efficient and very helpful 👌
Khalilulla Razzaque
August 2
Web page was quick and easy to use
August 1
Great Customer Service & easy to get a…
Great Customer Service & easy to get a quote in minutes. Car Insurance premium a...
Nadeem Sheikh
July 30
Good experience was pretty quick
Good experience was pretty quick
Grant W.Murray
July 29
The agent was friendly
The agent was friendly, helpful and polite. All in all a good experience.
July 29
Extremely simple
Extremely simple, and fast process.
July 26
excellent, professional service
July 23
Very kind and helpful
Very kind and helpful
April Shannon
July 22
Easy to find easy to use website which…
Easy to find easy to use website which provided me with options.
Randall McLellan
July 22
Excellent service
Excellent service
Sven Zorz
July 21
They were great
They were great
July 21
Excellent pricing
Excellent pricing
pankaj joshi

How comparing auto insurance quotes works. Hint: it’s free!


Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.


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

We can help you find cheap car insurance in Whitby.

As a commuter suburb located in the Greater Toronto Area (GTA), driving will likely be a big part of your life in Whitby. Some households may even have two or more cars.

Drivers in Ontario — and in some GTA cities in particular — can pay some of the highest car insurance premiums in Canada. As a result, it’s important for drivers to compare multiple auto insurance quotes from different providers to find affordable car insurance in Whitby. Luckily, makes that easy.

In just three minutes, our quoter tool allows you to compare car insurance rates from 50+ providers in Canada. Enter your postal code above and click “Get Started,” tell us a bit about yourself and your vehicle, and compare Whitby auto insurance quotes today.

Front view of a car. Illustration.

See how our customers save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from September 30, 2022
Male, 38 years old
Lowest Rate
Average Rate
Quote from September 30, 2022
Male, 50 years old
2018 MAZDA CX-3 GS 4DR 2WD
Lowest Rate
Average Rate

Focus on

Driving in Whitby.

Most popular cars in Whitby.

Here's a snapshot of what Whitby auto insurance shoppers are driving based on quotes completed on

Popular Brands

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

Who shops for auto insurance in Whitby?

Based on our data, here’s who’s shopping for car insurance in Whitby.

Gender of our users


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

What can I do to get cheap car insurance in Whitby?

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 car insurance in Whitby, answered.

How much is car insurance in Whitby?

There isn’t any one answer to this question. That’s because the two biggest variables involved in automobile insurance pricing in Whitby (and the rest of Canada) are the vehicle and the driver.

Every insurance carrier has its own underwriting process that takes your driving record, vehicle type and location into account. The process for each insurance company can be different, so different companies may give you different prices.

Some of the variables involved include the amount of time you’ve been driving, whether you have had any at-fault collisions or traffic violations, and your age. The type of car you’re insuring can affect your insurance premium as well. Expensive luxury cars generally cost more to insure because they cost more to repair and replace. Insurance companies also take into account the vehicle’s safety ratings and safety features, plus how many claims that particular make and model has been involved in and how much those claims cost.

Which Whitby postal code has the highest average car insurance premiums?

According to data from, the Whitby postal code that has the highest quotes for car insurance is L1P.

Which Whitby postal code has the lowest average car insurance premiums?

According to data, the Whitby postal code that has the lowest quotes for car insurance is L1R.

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

Here’s how the average car insurance premium in Whitby compares to average premiums in nearby cities, according to data:

  • Ajax: 9.2% higher than Whitby
  • Oshawa: 7.8% higher than Whitby
  • Pickering: 7.7% higher than Whitby
  • Uxbridge: 21.4% lower than Whitby
  • Port Perry: 10.5% lower than Whitby
  • Bowmanville: 14.1% lower than Whitby

Here’s how the average car insurance premium in Whitby compares to average premiums in Ontario’s most populous regions:

  • Toronto: 15.6% higher than Whitby
  • Scarborough: 44.5% higher than Whitby
  • North York: 40.4% higher than Whitby
  • Mississauga: 26% higher than Whitby
  • Markham: 22.1% higher than Whitby
  • Brampton: 56.4% higher than Whitby

Keep in mind that where you live is just one factor that goes into calculating the price of Whitby car insurance. Your driving record and the vehicle you drive will also affect the rates offered to you by insurance companies.

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

This is another question that doesn’t have a simple answer, because there isn’t one car insurance company that offers the lowest rates to all drivers. Every car insurance company that serves Whitby has different risk tolerances and underwriting standards.

This means that if you’re a young driver, you may find that insurance rates are more expensive with one carrier than another. The same could happen if you’ve been in an accident recently, or if you’re trying to insure a luxury vehicle or sports car.

Every company will look at these factors in your driving profile and weigh them differently when coming up with final auto insurance quotes and rates for you in Whitby. That’s why it’s useful to compare multiple car insurance providers using We shop the market for you so you can find the cheapest auto insurance company in Whitby for your driver profile.

What factors affect the cost of car insurance in Whitby?

There are lots of factors that affect auto insurance rates in Whitby — some are in your control, and some aren’t.

Some of the factors you have control over include the area you choose to live in, the amount of kilometres you plan to drive per year, whether you want basic or comprehensive coverage, and whether you park your car in a garage, driveway or public street.

Some things about your driving history are unfortunately not in your control. For example, your age — car insurance for new drivers in Whitby might be higher because of lack of driving experience. Other important factors that determine the cost of your insurance include the amount of years you’ve already spent as an insured driver, and any collisions or traffic violations.

When it comes to what information insurance companies can see, things like driving tickets, accidents, convictions and insurance claims generally stay on your driving record for three years.

What are car insurance rates in Whitby for students?

Students are generally part of a younger demographic, and unfortunately, cheap car insurance in Whitby for new drivers can be hard to come by.

Younger students will generally pay more for insurance because they likely have little driving experience. To an insurer, that would mean you have a higher likelihood of getting into an accident that would cause you to make a claim.

But there are things to make life easier for you if you fall into this demographic. Taking a certified driving course can have an effect on lowering your insurance costs.

You could also become a secondary driver on your parents’ insurance. This would have the double benefit of reducing your insurance cost while giving you an insurance history that will reduce costs down the road.

Some insurance companies may have different rules around whether you can be insured under your parent’s policy, and they may require you to either live with your parent or for the vehicle to be owned by your parent. Be sure to inquire about this with your insurer if you plan to go on a parent’s account.

What are car insurance rates in Whitby for new immigrants?

The answer to this question can depend on where you’re immigrating from, and whether your insurance company will take your driving history in a previous country into account.

You can exchange your licence for an Ontario one if you are relocating from another Canadian province or territory, the United States, Australia, Austria, Belgium, France, Germany, Great Britain, the Isle of Man, Japan, South Korea, New Zealand, Northern Ireland, Republic of Ireland, Switzerland and Taiwan. You can also exchange your licence if you’re relocating to Ontario through the Canadian Armed Forces.

Generally speaking, new immigrants may find they get charged higher premiums at first, since they don’t have an established insurance history in Ontario. But there are ways to reduce the cost.

According to the Government of Ontario, new residents “can self-declare one year of driving experience, by showing a valid, original foreign driver’s licence.” To earn more than a year of driving history credit, you’ll need to produce an official letter (written in English or French) from the foreign government or agency that issued your driver’s licence.

What are car insurance rates in Whitby for high-risk drivers?

You’ll be classified as a high-risk driver if you’ve been in too many accidents or have had too many tickets for traffic violations in a short span of time. This can have a serious effect on your driving insurance rates.

Being a high-risk driver can also limit what insurance companies will even consider insuring you. Often, providers with a risk appetite for a high risk driver will charge much higher premiums.

If you’ve had multiple crashes or traffic violations in a short span of time, you should do your best to drive safely for the next while to ensure your rates don’t skyrocket.

How can I reduce my car insurance premiums in Whitby?

One of the best things you can do for your insurance rates is to keep a safe driving record. Even one traffic violation or at-fault collision can lead to you paying much more money per month.

You can also opt to drive less and try to take transit more often. If you commute to Toronto for work, consider the GO Train or carpooling. It’s better for the environment and for your wallet.

Installing winter tires is another step you can take to reduce your premiums — and to increase your safety during the colder months.

You can also try to take advantage of discounts at your disposal. See if your workplace or the university you attended offers special deals with certain insurance providers. And, if you’re renewing with your current provider, ask if they have loyalty discounts. For seniors, car insurance providers in Whitby may have special discounts.

Lastly, the best way to ensure you get the best rate in Whitby is to use’s car insurance quote tool so you get the best car insurance estimate for Whitby.

Auto insurance news

Read More Like This