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Based on 336 reviews
August 31
very quick and reliable rates
very quick and reliable rates
Tracie N
August 15
Don’t hesitate to move your policy
My rates went up again with my current insurance even though I have barely drive...
August 12
I can’t believe how quickly I am…
I can’t believe how quickly I am getting email responses. Very happy with this...
July 25
Awesome 👍😎
Awesome 👍😎
Joshua Leong
July 15
Auto Insurance
I was looking for an insurance rate that would help me save money, I did a Googl...
Louise Beaton
July 7
Great and honest service !!!
Meaghan Ford was amazing with her service and very patient in explaining all the...
Zee Sajid
July 1
excellent service
excellent service
An Luu
June 22
Highly recommended
Excellent customer service. Was very patient and answer my customers toughly. Fo...
Karan Parmar
June 18
Chelsea was very helpful
Chelsea was very helpful, answered all my questions and set me up hassle free. S...
June 14
its the easiest thing in the world to…
its the easiest thing in the world to find insuance that isn't going to burn the...
ann watson
June 11
Very nice broker
Very nice broker. Good service. Found a great deal.
Meredith Berggren
June 9
Simple, fast, affordable!
Took a little longer than expected for the billing to go through, but otherwise...
Jonathan C
June 5
Awesome work
wow what an awesome rep. He did up everything, extremely fast and was very under...
Delroy Paul
June 4
It was a pleasure dealing with your…
It was a pleasure dealing with your broker, it made switching insurance companie...
Michael Sheridan
May 27
Excellent customer service
This is the first time I got insurances from Direct Rate.I have nothing but good...
Tejas Patel
May 26
Quick service
Quick service, good price
May 22
Imad Harrouk was great !
Imad Harrouk was great ! intelligent well spoken professional polite a perso...
james bannon
May 20
Excellent !!! Very competitive rates !!
Excellent customer services also they have very competitive rates !!
Eliza Gallant
May 18
I was treated fairly and walked through…
I was treated fairly and walked through my purchase.I enjoyed the agent was exce...
paul neville
May 14
Highly recommend
Great experience, simple to use and they gave me a lot of options at prices that...
Chandra Wilson
May 11
Easy, clear and fast. Very effective.
Rene Izquierdo de la Cruz
May 6
Sonia was very helpful and nice…
Sonia was very helpful and nice throughout the whole process. She got me the bes...
Ali Al-Rubayee

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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 75+ 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.

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See how our customers save big on auto insurance.

CustomerLocationVehicleLowest RateAverage RateSaved
Quote from September 26, 2021
Male, 39 years old
Lowest Rate
Average Rate
Quote from September 24, 2021
Female, 22 years old
2006 BMW 330I 4DR
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.

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