Cheap Vaughan Car Insurance Quotes
Vaughan drivers save $677* on average by comparing car insurance quotes on InsuranceHotline.com
How does Vaughan auto insurance work?
If you live and drive in Vaughan, you must have valid auto insurance. Driving an uninsured vehicle in Vaughan and the rest of Ontario is against the law.
Basic insurance includes third-party liability, statutory accident benefits, and uninsured auto insurance. More coverage can be purchased if desired. However, doing so will increase your car insurance premium.
Vaughan insurance works under a no-fault system and can only be purchased from private insurance providers. Comparison shopping on InsuranceHotline.com can help you find the best rates from the top providers in Vaughan.
Changes to Ontario's auto insurance in 2024
Ontario is currently in the process of reforming how auto insurance works in the province. The goal of this is to reduce the amount of coverage drivers are forced to take out, and in turn, lower their premiums.
Some of the proposed changes include:
- Option to remove the caregiver benefit, housekeeping and home maintenance expenses benefit, income replacement benefit, and death and funeral benefits (benefits for medical, rehabilitation, and attendant care will remain mandatory, however).
- Making auto insurance companies the first payer for medical and rehabilitation benefits (at the moment, a person's private medical insurance is the first payer). This change is meant to streamline the claims process and lead to earlier resolution.
- Option to remove direct compensation for property damage (DCPD) coverage (in effect since January 2024).
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Car insurance in Vaughan: Things you should know
Shopping for Vaughan auto insurance quotes
Vaughan is unique in that it is comprised of five major communities including Woodbridge, Maple, Thornhill, Concord and Kleinburg. Since its designation in 1991, the City of Vaughan has become one of the fastest growing municipalities in the province. Located just 30 minutes away from Toronto, it houses many attractions including Canada's Wonderland, Vaughan Mills mall, the McMichael Canadian Art Collection and several conservation areas. It is an attractive place to call home for a growing number of professionals and families. This means there are lots of cars on the road, and lots of insurers looking to insure them.
Unfortunately, Vaughan drivers face some of the highest car insurance premiums in the province, making them among the highest rates in the entire country. The good news is that this gives you an opportunity to save money by comparing auto insurance quotes. Since Vaughan car insurance rates can vary by hundreds if not thousands of dollars, comparing is the easiest way to save. Get a quote that is 26% less than the average market rate.*
Find out how much you can save by comparing in Vaughan today.
*Based on the difference between the average lowest auto insurance premium and overall average auto insurance premium from our site in 2019.
Mandatory and optional car insurance coverage in Vaughan
| Insurance type | Mandatory coverage | Optional/ Additional Coverage |
|---|---|---|
| Third-Party Liability | $200,000 minimum. Provides coverage in the event of a lawsuit resulting from an accident where you are at fault. | Coverage can be increased to $500,000, $1 million, or $2 million, with up to $2 million limit. |
| Uninsured Automobile Insurance | Provides up to $200,000 in coverage if you are injured or killed by an uninsured driver, or if your vehicle is damaged as a result of a hit-and-run by an unidentified, uninsured motorist. | Family Protection Coverage is an optional coverage that includes additional coverage of up to $1 million in the case of a hit-and-run by an uninsured motorist. |
| Statutory Accident Benefits | Provides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren’t covered by OHIP. | Coverage limits can be increased. |
| Direct Compensation-Property Damage (DC-PD) | Optional | DCPD is included in all standard insurance policies, but Ontario drivers can apply to remove it. DCPD pays to repair or replace your car if you're in a collision where the other driver is at fault. You lose this coverage by removing DCPD, as well as your ability to sue the other driver for repairs. |
| Collision Coverage (Also Upset Coverage) | Optional | Covers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property. |
| Comprehensive coverage | Optional | Covers damages caused by named perils identified under the Specified Perils coverage, as well as losses from other perils like falling or flying objects, theft, fire, hail, windstorms, missiles, and vandalism. |
| Specified Perils Coverage | Optional | Covers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc. |
| All-Perils Coverage | Optional | Combines collision/upset and comprehensive coverage. Also, provides additional protection if a household member or an employee steals your vehicle. |
| OPCF 20: Coverage for Transportation Replacement | Optional | Covers the cost of your transportation replacement and rental car insurance if you were to get into a car accident or if your vehicle is stolen. |
| OPCF 27: Liability for Damage to Non-Owned Automobile(s) | Optional | Covers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000. |
| OPCF 39: Accident Waiver/Forgiveness | Optional | Protect your premium from rising when you have your first at-fault accident. |
| OPCF 16: Suspension of coverage | Optional | This allows you to suspend your insurance coverage for 30 days or more during periods when you aren't using the car. |
| OPCF 43: Waiver of depreciation | Optional | Ensures your insurance company won't factor in depreciation when settling a claim; you will receive the amount you initially paid for the car. |
| OPCF 44R: Family protection coverage | Optional | Ensures your costs are covered if you and your family are involved in an accident with a driver with less liability insurance than you. This endorsement will cover the remainder. |
| OPCF 13C: Limited glass | Optional | For a lower premium, you can limit or exclude any coverage for glass damage that might've been in your policy. |
| OPCF 40: Fire and theft deductible | Optional | Adds a deductible (an amount you must pay before your insurance company chips in funds) for a theft or fire damage claim. |
| OPCF 49: Agreement not to recover for loss or damage from an automobile collision | Optional | Removes DCPD coverage from your Ontario Automobile Policy. You forfeit your right to compensation for physical damage caused to your vehicle by an at-fault driver. You cannot sue for repairs, either. |
Sample car insurance quotes completed for drivers in Vaughan, Ontario
Below are real quotes that were recently completed on InsuranceHotline.com by drivers living in Vaughan, Ontario:
Annual Savings: $292
Driver: Female, age 63, Vaughan, ON
Driving: 2011 Chevrolet Cruze ECO 4DR
Current Rate: $1,400
Lowest Rate Available: $1,108
Insurance Company: Zenith Insurance
Annual Savings: $332
Driver: Male, age 65, Vaughan, ON
Driving: 2013 Chrysler Town & Country
Current Rate: $1,800
Lowest Rate Available: $1,468
Insurance Company: Zenith Insurance
Annual Savings: $1,423
Driver: Male, age 33, Vaughan, ON
Driving: 2016 Mercedes-Benz C300 4DR
Current Rate: $5,500
Lowest Rate Available: $4,077
Insurance Company: York Fire Insurance
Annual Savings: $597
Driver: Male, age 24, Vaughan, ON
Driving: 2014 Honda Accord Sport 4DR
Current Rate: $6,500
Lowest Rate Available: $5,903
Insurance Company: Kingsway Insurance
Annual Savings: $1,624
Driver: Female, age 23, Vaughan, ON
Driving: 2010 Jeep Wrangler Unlimited Sport 4DR
Current Rate: $4,500
Lowest Rate Available: $2,876
Insurance Company: Pilot Insurance
Annual Savings: $698
Driver: Female, age 31, Vaughan, ON
Driving: 2017 Honda Civic
Current Rate: $2,457
Lowest Rate Available: $1,759
Insurance Company: Johnson
Fun facts for Vaughan car insurance quotes completed on InsuranceHotline.com
Some trends we noticed unique to Vaughan drivers
Average car insurance savings for drivers in Vaughan: $768*
Most popular vehicles insured by married couples in Vaughan: Honda CR-V, Jeep Compass, Kia Sedona, Jeep Grand Cherokee
Most popular vehicles insured by singles in Vaughan: Honda Civic, Hyundai Elantra, Chevrolet Cruze
Percentage of drivers who have had no accidents in the past 10 years: 95.15%
Average kilometres driven by Vaughan drivers annually: 14,071 km
Most common professional association discounts for Vaughan drivers: Centennial College Alumni Association, University of Toronto, Humber College Institute of Technology and Advanced Learning, Seneca College of Applied Arts and Technology
Data based on quotes completed by Vaughan drivers on InsuranceHotline.com between January 1 and December 31, 2018.
*Shoppers in Vaughan who obtained a quote on InsuranceHotline.com from January to December 2023 saved an average of $677 per year. The average savings represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third-lowest quoted premiums generated by InsuranceHotline.com.
Frequently asked questions (FAQs) about Vaughan auto insurance
Why should I compare Vaughan auto insurance quotes?
Auto insurance in Ontario operates under a private system. While insurers must apply to have requests for rate changes approved by the Financial Services Commission of Ontario (FSCO), which oversees auto insurance rate regulation in the province, there is no overall governing body. This is one of the reasons why rates vary so vastly from one provider to another.
FSCO recommends that drivers compare rates from at least three insurance companies before purchasing a policy. At InsuranceHotline.com, you can compare quotes from 10 times the providers in the same amount of time it takes to get just one auto insurance quote.
InsuranceHotline.com is a one-stop shop for Vaughan, Ontario car insurance quotes. We're proud to help you find the lowest price available on your auto insurance through our network of insurance brokers and agents by checking more than 30 different quotes, all in one place.
Can you tell me more about InsuranceHotline.com and how you get your quotes?
Although we may look like an insurance company or broker, it's important to understand we are not in the business of providing insurance and act primarily as an intermediary. By partnering with our large network of licensed insurance brokers and constantly monitoring the rates of so many competing insurers, we can also help you find the cheapest rate available for your driving profile. Our unbiased search technology takes your information and compares your rate against more than 30 Canadian insurance companies and help find you a lower insurance rate.
The questionnaire consists of just a few steps and should only take five minutes from start to finish. And while we promise to deliver you comparative insurance quotes on your auto insurance, you are always in control of where you place your business and there is no obligation to purchase.
Get started with your insurance quote right away and see how much you can save.
Can you only save by comparing car insurance quotes once?
By comparing quotes, you have the opportunity to save every year!
Most people compare rates when it comes time for policy renewal, which is why we've added an optional free alert service that lets you know when a better rate becomes available.
This non-intrusive service actively monitors our network and notifies you every 3 to 6 months depending on your preference. Just like mortgage rates, car insurance premiums can change frequently. We will make sure you stay informed absolutely free and we will even remind you when it's time for your next Vaughan auto insurance renewal.
To opt into this service, select yes when prompted towards the end of the quote process.
Do rates change depending on whether I live in Woodbridge, Maple, Thornhill, Concord or Kleinburg?
It is possible that auto insurance rates in Vaughan vary depending on which community you live in.
Where you live is one of the many factors taken into consideration when determining your premium. Your rate might be higher if you are living in or commuting to downtown Concord than it may be if you live in a quieter part of Kleinburg, for example. This is because the more cars you're around, the higher your likelihood of a claim.
What other factors contribute to my auto insurance rate?
In addition to where you live, your premium also takes into account:
- Your driving record and insurance history
- Whether you drive to work
- The likelihood of claims in your neighbourhood
- Your insurance company's own insurance claims history
- The type of car your drive
- Where you drive and/or park your vehicle
- If your car has winter tires
- What discounts you're eligible for (be sure to ask!)
If you have any questions about what determines your rate, don't hesitate to ask your insurance provider.
