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).
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|Savings: $843 (32%)|
|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.|
|Direct Compensation-Property Damage (DC-PD)||Covers damage to your car, or loss of use of your vehicle, if someone else is at fault. Must involve another insured vehicle.||For additional vehicle coverage, including for when you are at-fault, consider collision coverage.|
|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.|
|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.|
Here are some recent examples of savings found by real Ajax drivers using InsuranceHotline.com.
Driver: Female, 40
From: Ajax, ON
Driving: 2021 Hyundai Sonata Luxury 1.6T 4 DR
Driver: Male, 20
From: Ajax, ON
Driving: 2021 Honda Civic
Driver: Male, 45
From: Ajax, ON
Driving: 2022 Cadillac CT4 4DR
Driver: Female, 50
From: Ajax, ON
Driving: 2013 Ford Escape
Driver: Male, 25
From: Ajax, ON
Driving: 2017 Hyundai Tucson
Driver: Female, 55
From: Ajax, ON
Driving: 2014 Ford Fusion
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.
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.
|Rank||City||Avg. 2022 premium|
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:
*Represents the average saved by Ajax shoppers who obtained an auto insurance quote on InsuranceHotline.com and transacted via our contact centre between January and December 2022. The average savings amount 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.
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:
Comparison shopping on sites like InsuranceHotline.com 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).
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 InsuranceHotline.com are your best place to compare who offers the best rates for your specific driving needs.
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.
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).