Cheap Markham Car Insurance Quotes

Markham drivers save $666* on average by comparing car insurance quotes on

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Mandatory & optional auto insurance coverage in Markham

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.

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Shopping for Markham auto insurance quotes

Markham is becoming a hotbed of opportunity in Ontario. Located just outside of Toronto, the city is home to over 1,000 tech and life sciences companies and more than 400 Canadian head offices. The city has a strategic economic plan to grow further in the coming years and expand opportunities for individuals and families. With more than 200 parks and 150 km of outdoor trails, it's no wonder Markham is thriving.

But with a growing population that is connected to numerous highways, Markham drivers face car insurance rates comparable to Toronto. That's why it's so important for drivers to compare rates. Today's busy drivers don't have time to call around to every company to get a quote, that's why compares from more than 30 trusted insurance providers in one simple step. It's an easy and transparent way to see savings right away.

Sample car insurance quotes completed for drivers in Markham, Ontario

Below are real quotes that were recently completed on by drivers living in Markham, Ontario:

Annual Savings: $695

Driver: Male, age 63, Markham, ON

Driving: 2016 Mercedes-Benz S-Class 4DR

Current Rate: $2,968

Lowest Rate Available: $2,273

Insurance Company: AXA Insurance

Annual Savings: $369

Driver: Female, age 22, Markham, ON

Driving: 2013 Mazda Mazda5 4DR

Current Rate: $2,675

Lowest Rate Available: $2,306

Insurance Company: Wawanesa Insurance

Annual Savings: $340

Driver: Male, age 40, Markham, ON

Driving: 2017 Hyundai Sonata Hybrid 4DR

Current Rate: $2,778

Lowest Rate Available: $2,438

Insurance Company: RBC Insurance

Annual Savings: $577

Driver: Female, age 53, Markham, ON

Driving: 2010 Nissan Rogue

Current Rate: $3,439

Lowest Rate Available: $2,862

Insurance Company: York Fire Insurance

Annual Savings: $452

Driver: Female, age 31, Markham, ON

Driving: 2014 Toyota Rav4

Current Rate: $2,136

Lowest Rate Available: $1,684

Insurance Company: Aviva

Annual Savings: $518

Driver: Male, age 47, Markham, ON

Driving: 2017 Honda Civic

Current Rate: $2,264

Lowest Rate Available: $1,746

Insurance Company: Johnson

Fun facts for Markham car insurance quotes completed on

A few things we noticed that are unique to drivers in Markham

Average car insurance savings for drivers: $1,433*

Average car insurance premiums currently paid by drivers: $2,125

Most popular vehicle insured by married couples: It's a tie! Married Markham couples prefer Nissan Rogues and Toyota Rav4s

Most popular vehicle insured by singles: Lexus GS 350

Percentage of drivers who have had no accidents in the past 10 years: 87.6%

Average annual mileage for drivers in Markham: 14,459 km

*Shoppers in Markham who obtained a quote on from January to December 2023 saved an average of $666 per year. The average savings represent 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 (FAQs) about car insurance in Markham

How does work?

The first step to locking in extra savings on Markham auto insurance is to fill out our easy step by step quote form. The entire process can take as little as 5 minutes and at the end you are instantly provided with the lowest Canadian car insurance quotes available from our network of licensed insurance professionals. It really is that simple. 

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. Try it now & join more than 1 million Canadians who have used our service to lock in Markham car insurance savings.

Do I have to speak with an insurance provider?

While we all love the convenience of completing a quote online, shoppers have told us they prefer the experience of speaking with a licensed insurance professional before purchasing a policy.

Once you have completed a quote, you can secure your rate by speaking with a professional insurance broker or agent directly. provides you with the contact information for licenced professionals in Markham who can help get you setup with your new policy. 

We make the entire process of shopping for Markham car insurance quick, easy and transparent. You can ask the insurance professional any questions you have (don't forget to ask about further discount opportunities!), lock in your savings and move on with your day in no time. 

Does sell insurance?

We do not sell insurance directly, which is why we're able to provide drivers with such a variety of unbiased rates. Because is not a broker, agent, or insurance company, we are not restricted in terms of how many insurance quotes we can provide you in the way that many of our competitors are. 

What makes our service, and finding cheaper rates on auto insurance for a given consumer profile, possible are our insurance industry partners who can provide the insurance policies presented on our site. The process takes just a few minutes and there is absolutely no obligation. Join the hundreds of thousands of consumers who have used to save time on their auto insurance and start your quote now.

What if a better deal becomes available?

    Like most things in life, if you're looking for the best deal on auto insurance, you want to shop around as much as possible. Saving money on your Markham car insurance today is great, but why not extend the benefits beyond your initial quote?

    Those interested in monitoring rates will be happy to know that we actively monitor our network and alert you by email when a better rate becomes available. Our optional rate alert service is free, non-intrusive and occurs every three to six 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 Markham auto insurance renewal. To opt into this service, simply select yes when prompted during the quote process. 

    How can I get an even better deal on my Markham car insurance?

    While comparing rates is the easiest way to save, it's even more powerful when you combine it with other car insurance saving strategies. Here are some ideas to help you save:

    • Ask about discounts: When you're on the phone with your insurance rep, ask what discounts you might be eligible for. There are all kinds from retiree discounts to alumni discounts and more. You never know until you ask!
    • Bundle your policies: Combining multiple policies such as your home insurance and auto insurance policies can get you discounts on both plans
    • Remain claims free: Insurance companies love a safe driver and sometimes offer discounts as incentive to keep you this way. Maintain a clean driving record or work on achieving one to access these savings
    • Get winter tires: Markham is no stranger to snow. When winter rolls around, swap your tires out for winter tires to save 
    • Take a driver's education course: If you're a new driver, graduating from a driver's ed program can knock your premiums down quite a bit
    • Compare when life changes: If you move, get married, get a new job or car, or experience another life milestone such as graduation or retirement, it's worth it to compare rates to find out what new savings you might be eligible for

    About is the source for competitive car insurance quotes for consumers living in Markham, Ontario. makes finding the best deal on car insurance for people living in Markham, Ontario easier than ever before, by obtaining real-time quotes from top insurance companies. Compare quotes today to find out how much you can save.