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Alexandra Bosanac
Written by Alexandra Bosanac About Alexandra Bosanac

Alexandra Bosanac, content manager at, focuses on auto insurance. She began reporting on this topic in 2017. Alexandra holds a bachelor’s degree in journalism from Toronto Metropolitan University. Prior to joining in 2021, she contributed to publications such as Canadian Business, the Toronto Star, the National Post, and the CBC.


Content Manager

Updated On May 9, 2024

How does Ajax auto insurance work?  

Drivers in Ajax, considered part of the Greater Toronto Area (GTA), are legally required to take out car insurance. Ajax drivers must carry a minimum amount of coverage, including third-party liability, statutory accident benefits, direct compensation property damage (DCPD), and uninsured car insurance.

Drivers in Ajax seeking additional insurance coverage or optional coverages can request add-ons such as comprehensive coverage, specified perils, all perils, transportation replacement, liability for non-owned vehicles and accident forgiveness.

Ajax operates under a private no-fault insurance system like the rest of Ontario. That means drivers will coordinate with their own insurance company regardless of who was at fault at the time of the accident.

Because Ajax car insurance operates under a private system, drivers buy insurance from private insurance companies (unlike in some provinces, where a Crown corporation provides insurance).


Ajax mandatory and optional auto insurance coverages

Insurance typeMandatory coverageOptional/ 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 InsuranceProvides 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 BenefitsProvides 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)OptionalDCPD 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)OptionalCovers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property.
Comprehensive coverageOptionalCovers 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 CoverageOptionalCovers 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 CoverageOptionalCombines collision/upset and comprehensive coverage. Also, provides additional protection if a household member or an employee steals your vehicle.
OPCF 20: Coverage for Transportation ReplacementOptionalCovers 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)OptionalCovers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000.
OPCF 39: Accident Waiver/ForgivenessOptionalProtect your premium from rising when you have your first at-fault accident.
OPCF 16: Suspension of coverageOptionalThis 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 depreciationOptionalEnsures 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 coverageOptionalEnsures 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 glassOptionalFor 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 deductibleOptionalAdds a deductible (an amount you must pay before your insurance company chips in funds) for a theft or fire damage claim.

Recent annual car insurance savings unlocked by real Ajax drivers

Here are some recent examples of savings found by real Ajax drivers using

Savings: $535

Driver: Female, 40

From: Ajax, ON

Driving: 2021 Hyundai Sonata Luxury 1.6T 4 DR

Savings: $483

Driver: Male, 20

From: Ajax, ON

Driving: 2021 Honda Civic

Savings: $169

Driver: Male, 45

From: Ajax, ON

Driving: 2022 Cadillac CT4 4DR

Savings: $39

Driver: Female, 50

From: Ajax, ON

Driving: 2013 Ford Escape

Savings: $143

Driver: Male, 25

From: Ajax, ON

Driving: 2017 Hyundai Tucson

Savings: $286

Driver: Female, 55

From: Ajax, ON

Driving: 2014 Ford Fusion


How much does Ajax car insurance cost?  

In 2021, drivers living in Ajax paid an insurance premium of $2,104 per year based on the RATESDOTCA Insuramap. The average rate for Ontario is $1,555. That means drivers in Ajax are paying about 26% more for their auto insurance than the provincial average.

The average Ajax premium is only slightly lower than Vaughan's, which is $2,179. Neighbouring cities Pickering and Oshawa pay $1,959 and $1,833, respectively.

Compare Ajax’s average car insurance premium against other Ontario cities  

With an average auto insurance rate of $2,104 per year, Ajax ranks very high for auto insurance costs in the province, compared with an average provincial rate of $1,555 per year. Many factors could be contributing to the disparity. For instance, Ajax is a commuter area with many people working and commuting to bigger cities such as Toronto, Brampton or Mississauga. More time in the car can mean greater risks of accidents, especially during winter month commuting.

Also, Ajax has few options for public transportation and is framed by highways 401 and 412 as main arteries. These highways can be quite congested with a high frequency of accidents.

Ajax is second in the province for car insurance costs. These areas are either in Toronto proper or very close suburban neighbours with greater congestion, theft rates and potential collision risks that could drive up prices for residents.

RankCityAvg. 2022 premium
3.Richmond Hill$2,025


Factors that determine your Ajax car insurance rate   

Rates vary between drivers due to a variety of factors. Insurance providers in Ajax will look at the following things when considering how much to charge for auto insurance:

  • Neighbourhood: Like in real estate, location matters when to Ajax car insurance rates. For example, if you live in a neighbourhood with high car theft or congestion rates, insurance providers will most likely charge higher rates because of those risks.
  • Type of vehicle: Higher-end vehicles are costly to maintain and replace, if necessary. Your Ajax car insurance provider will likely charge a higher premium for more expensive cars.
  • Daily commute: The more time you spend in your car and the longer you must drive to your destination, the greater the risk of you eventually filing a claim. Casual drivers with short commutes pay lower rates as risks are reduced.
  • Driving history and pattern: Bad driving habits will negatively influence your Ajax auto insurance rates. Collision claims and at-fault traffic convictions that stay on your record for at least six years will affect your insurance premiums.
  • Existing coverage: Basic coverage is mandatory in Ontario, and any add-ons of optional coverage will likely add to your Ajax auto insurance rate.
  • Discount eligibility: Experienced drivers or those belonging to a university or association can find discounts from Ajax auto insurance providers. Talk to your provider to find out more.
  • Additional drivers: Adding drivers to your policy also adds to your cost. Young or inexperienced drivers are considered riskier to insure, so adding one to your policy will increase your rate.
  • Bundle auto and home insurance: Bundling another line of insurance with your car insurance (usually home insurance) shows loyalty to your provider, who, in return, will reduce your premium from 5-15%.

*Shoppers in Ajax who obtained a quote on from January to December 2023 saved an average of $758 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

Frequently asked questions about Ajax car insurance

What kind of car has the cheapest car insurance in Ajax?

Insurance providers in Ajax consider many factors when assigning rates. The make and model of a vehicle are one of those factors. Higher-end cars will cost more to insure, given their high maintenance and repair costs. Older cars (so-called "beaters") typically cost less to insure.

According to proprietary data, the following vehicles are the cheapest to insure in Ontario:

  • Nissan Micra
  • Volvo XC90
  • Kia Rio 5-Door
  • Mitsubishi Mirage
  • Kia Rio
  • Subaru Legacy
  • Subaru Accent
  • Mazda
  • Mercedes-Benz GLE-Class
  • Genesis G80

How can I find the cheapest car insurance in Ajax?

Comparison shopping on sites like is one of the best ways to find cheap Ajax car insurance rates. We’ll provide you with quotes from the top Ajax car insurance providers allowing you to compare and contrast which provider best suits your needs (and budget).

Who offers the cheapest auto insurance in Ajax?

No two drivers are the same. As a result, rates will vary from driver to driver, and each insurance company. Your driving history, location, car model, and other factors will be considered. That’s why sites like are your best place to compare who offers the best rates for your specific driving needs.

Why is Ajax car insurance so expensive?

Auto insurance premiums depend on your location, claims histories and driving patterns. Ajax is one of the most expensive locations in Ontario to insure a car, and a lot of it is due to its proximity to Toronto and its residents' reliance. Ajax's population and urban density expansion have also contributed to insurance providers' considerations and risk factors when assigning insurance premiums for the area.

Why do Ajax car insurance rates change?

Private insurance companies adjust rates based on claims and other macroeconomic factors affecting risk. The higher the number of thefts or collisions in your area, the higher your premiums might be. In Ontario, rate changes are regulated by a provincial body called the Financial Services Regulatory Body (FSRA).

About the Author - Alexandra Bosanac

Alexandra Bosanac, Content Manager

Alexandra Bosanac, content manager at, focuses on auto insurance. She began reporting on this topic in 2017. Alexandra holds a bachelor’s degree in journalism from Toronto Metropolitan University. Prior to joining in 2021, she contributed to publications such as Canadian Business, the Toronto Star, the National Post, and the CBC.


Read more about the author