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Shopping for Oshawa auto insurance quotes

The city of Oshawa is growing as more and more families move to this Ontario town located east of Toronto along the 401. Oshawa has always been an automobile city, but it goes without saying that more people equals more cars. According to Statistics Canada, the population of the Oshawa area grew to 379,848 in 2016, which marks a 6.6 per cent increase from 2011. If you are a driver living in Oshawa and looking to save money on auto insurance, you've come to the right place. InsuranceHotline.com is here to help.


When it comes to auto insurance, no two insurers are alike. The cost to insure the same car and driver can vary by hundreds or even thousands of dollars. Our mission at InsuranceHotline.com is to help you and your family find the lowest rates on auto insurance. Join more than a million Canadians who have saved on car insurance by comparing car insurance quotes on InsuranceHotline.com. 

Sample car insurance quotes completed for drivers in Oshawa, Ontario

Below are real quotes that were recently completed on InsuranceHotline.com by drivers living in Oshawa, Ontario:

Recently moved to Oshawa? Now's the time to save on car insurance

Where you live is one of the factors used to calculate your car insurance premium

Oshawa is "a city in motion," as its old motto says. It is estimated that about 12 per cent of Oshawa's population has moved in the last year, either to Oshawa or within. If you have recently moved to Oshawa or the surrounding area, it's the perfect time to compare Oshawa car insurance rates to make sure your current insurance provider is still giving you the best rate at your new address.


Other optimal times to compare rates include when you get a new vehicle, add or remove drivers from your policy, have a baby, reach a milestone like turning 25 or retiring, get married or purchase a home. Big changes are often an opportunity for big savings. 


Oshawa auto insurance 101

Car insurance is a necessity. It's illegal to drive without it and the consequences are hefty if you get caught. We're talking big fines and possible licence suspension. Because it's required by law, many drivers mistakenly think all car insurance is the same. It's not. Car insurance rates can vary considerably and are always changing. The best way to ensure you're getting the best Oshawa car insurance rate is to shop around. Here's what you should be looking for. 

Optional coverage and endorsements

Every province has compulsory minimums that you must have as part of your policy. However, there are optional coverages and endorsements that you can add to your policy for an additional fee. The two most well-known are:

  • Collision coverage: this covers damage to your vehicle as a result of an impact of collision with another vehicle or object.
  • Comprehensive coverage: this protects your car against damage caused by events like theft and vandalism.

The majority of Oshawa drivers (and drivers in general) opt to add one or both of these types of coverages to their policy. Depending on your vehicle, you may or may not decide to invest in this protection. If you're uncertain, be sure to ask your licenced insurance professional.

What goes into determining your auto insurance rates

Many factors are taken into consideration when determining your auto insurance rate. These include:

  • Your driving record 
  • Your insurance/claims history
  • The type of car you drive
  • How often and how far you drive
  • Where you live
  • Your chosen coverages 
  • Your deductible
  • The insurance company's claims history
  • Your age (discounts are sometimes available after you turn 25 and once you retire) 

More about your driving record

There are multiple factors that insurance companies take into consideration when determining your car insurance rate, one of which is your driving record. This includes:

  • How long you've been licensed
  • Any tickets or collisions
  • Licence suspensions, etc.

Based on InsuranceHotline.com data, we found that 72 per cent of Oshawa drivers have a clean driving history with no tickets, accidents or licence suspensions; 12 per cent of drivers admit to having at least one traffic ticket, and 12 per cent also admit to having been involved in at least one collision. The remaining drivers have at least one ticket and one accident (2.61 per cent).

Driving (and saving) in Oshawa

In total, 83.6 per cent of the Oshawa population is old enough to drive (16 or older), and of those who are of working age, 79.9 per cent drive to work, 6.2 per cent catch a ride with someone, and 9.5 per cent take public transit. The rest either walked, biked or got to work some other way.

If you're a driver who would rather avoid sitting in Oshawa traffic on the way to work, the majority of people (41.2 per cent) leave for work between 7 and 9 a.m. followed by a significant number of early risers (30.6 per cent) who travel between 5 and 6:59 a.m. Adjusting your commute time could improve your commute!

Even though Oshawa is home to a General Motors assembly plant, when it comes to the types of cars Oshawa drivers own (based on InsuranceHotline.com data), the top three most often quoted car brands are: Honda, Toyota and Ford. Chevrolet is the tenth most quoted car on the list.

Compare your Oshawa car insurance rates to the rates available through InsuranceHotline.com


On average, InsuranceHotline.com shoppers saved about $450 after shopping their car insurance rates in 2017. Compare your Oshawa car insurance rates today to see if we can help you save this (or more) as well!