Compare Auto Insurance Quotes in Oshawa

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Oshawa auto insurance for the best price

Finding a better deal on car insurance if you live in Oshawa is easy. In just a few minutes, we can help you compare rates from 50+ providers. Oshawa residents can save hundreds of dollars on their car insurance premiums by answering a few questions about their car and their driving history in our online form. is the only site that compares 96% of the car insurance market, which means you’re comparing quotes from almost all of the car insurance providers in Ontario in one step. Plus, searching with is free, so what do you have to lose? See how much you could be saving on your car insurance.

Here are the most common factors that affect your car insurance premiums:

Where you live: Your location plays into how much you can expect to pay for car insurance in Ontario. The city of Oshawa is growing. In fact, according to Statistics Canada, the population of the Oshawa area grew to 379,848 in 2016, increasing over 6 per cent from 2011. As a commuter city, more drivers translates into more chances of being in a collision or theft, impacting Oshawa insurance rates.

If you recently moved to Oshawa, it’s a good time to compare your car insurance rate. While Oshawa isn’t one of the most expensive areas to live, it does come in above the provincial average at $1326 per year (the provincial average according to is $1316 per year).

Your commute: Oshawa drivers are reporting an average daily work commute of 12.3 km based on quotes completed on Coupled with an average work commute time of 33.5 minutes one-way, according to the most recent census data, many Oshawa drivers have a long way to go to get to work, compared to the average Canadian commute which is 26.2 minutes one-way. The distance Oshawa workers are commuting on a daily basis has an impact on their auto insurance rates.

If you spend more time of the road, the chances of getting into an accident are higher, even if you are a safe driver. Insurance is all about risk. If your daily driving habits put you at increased risk of having a collision, then your insurance premiums could be higher as a result. If your one-way commute is above 10KMs each way, then your commute is likely a factor in how much you are paying.

The car you drive: Some cars have higher theft rates than others. The good thing is that the most popular vehicles in Oshawa (list below) based on quotes completed on over the last year, didn’t make the annual Insurance Bureau of Canada’s list of the most stolen cars in Canada.

There are other car models that cost more to repair while other vehicles are safer on the road. These variables, as well as dozens of others, are examined carefully by car insurance companies when calculating insurance premiums. Oshawa drivers should do their research when it comes to choosing their new car and factor in how much they want to pay to insure their new car into their decision-making.

Top 10 most popular vehicles in Oshawa:

  1. Honda Civic
  2. Mazda Mazda3
  3. Hyundai Elantra
  4. Toyota Corolla
  5. Chevrolet Cruze
  6. Honda Accord
  7. Dodge Ram
  8. Dodge Grand Caravan
  9. Toyota Camry
  10. Volkswagen Jetta

Your driving history: Of course your driving record is an important factor in how much you pay for auto insurance. Your Oshawa car insurance rate will reflect your past driving behaviour. At-fault collisions and traffic tickets can increase the rate that you pay. Tickets can stay on your driving record for three years and at-fault accidents remain for at least six years. However, after this period, it is important to shop your insurance rate in order to realize the savings that come with a clean driving record.

  • Oshawa is Canada’s 12th largest city and it is is a popular area for families, with 59% of couples having one or more children according to Census data.
  • House prices are still affordable relative to other comparable towns in the GTA. The Red Pin puts average house prices at $500,781 compared to $719,666 in Ajax and $768,807 in Whitby, making it a desirable area for first time home buyers.
  • Oshawa is the largest city in Durham region. Other cities in the Durham include Ajax, Whitby, Clarington, Uxbridge and Pickering.
  • Oshawa is located just east of the 401 and is also known as ‘the automobile city’!

Go the extra mile when shopping for car insurance

Rate changes in Ontario are filed on a quarterly basis, so it’s important to shop your rate each year at renewal time. Just because you got the lowest quote last time you compared, doesn’t mean you are still getting the best rate. Keep checking and you could save more.

Here are some other ways you can save:

Review your coverages. It’s a good idea to review your coverage requirements with your insurance company or broker to ensure you have the right coverage and are not paying for unnecessary coverages. For example, it may not be worth it to have collision or comprehensive if you drive an older vehicle.

Check your deductible: You can also review the amount of your deductible. Increasing your deductibles could save you some money on your premium, but make sure you can afford the expense should you have to make a claim.

Ask about discounts. There are numerous discounts available to Oshawa drivers when it comes to their insurance. All you have to do is ask. The most common insurance discounts ones are multi-vehicle discounts, multi-line (or bundle) discounts, and winter tire discounts. Almost 96 per cent of Oshawa drivers already receive a winter tire discount of up to five per cent, according to quotes compared on To save even further, consider installing approved additional security features on your vehicle if your vehicle doesn’t already have an anti-theft alarm. There are many other discounts such as good student discounts, low mileage discounts, and retiree discounts that you could qualify for, too.

Compare rates. Car insurance shouldn’t be one of those things you shop for once when you buy your vehicle. In fact, just like changing the batteries on your smoke alarm, comparing quotes to ensure you’re still paying the lowest rate is something that should be done regularly. Plus, if your situation changes, for instance if you get married (or divorced), move out of Oshawa, buy a new car, add drivers (like your teenager) to your policy, change jobs, or retire; these are all ideal times when you should shop around to see if a cheap car insurance rate is available to you.

To keep up with the ongoing rate changes, complete one form on and get the lowest quote from 50+ car insurance providers within minutes. That’s all it takes.

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75% of Kanetix customers in Ontario who participated in the survey said Kanetix helped them identify an average savings amount of $610 (June – November 2017) on their car insurance. The cited amount represents the average difference between the best quote obtained at and the current premium amount of participants in the survey. The savings amount varies by individual and does not constitute a guarantee; in each individual case, the difference may be smaller or greater than the savings amount cited.