Cheap Oshawa Car Insurance Quotes

Oshawa drivers save $583* on average by comparing car insurance quotes on

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How does Oshawa auto insurance work?

Car owners living and driving in Oshawa must have valid auto insurance, as is the case in the rest of Ontario. Driving a vehicle that isn't insured 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.

Oshawa insurance works under a no-fault system and can only be purchased from private insurance providers. Comparison shopping on can help you find the best rates from the top providers in Oshawa.


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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Mandatory & optional auto insurance coverage in Oshawa

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.

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. 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 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 

Sample car insurance quotes completed for drivers in Oshawa, Ontario

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

Annual Savings: $513

Driver: Female, age 36, Oshawa, ON

Driving: 2015 Jeep Wrangler Unlimited Sport 4DR

Current Rate: $2,300

Lowest Rate Available: $1,787

Insurance Company: Portage Mutual Insurance

Annual Savings: $454

Driver: Male, age 25, Oshawa, ON

Driving: 2016 Toyota Corolla LE 4DR

Current Rate: $2,890

Lowest Rate Available: $2,436

Insurance Company: Ayr Farmers Mutual Insurance

Annual Savings: $204

Driver: Female, age 31, Oshawa, ON

Driving: 2012 Honda Civic

Current Rate: $1,788

Lowest Rate Available: $1584

Insurance Company: Travelers

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 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 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

On average, 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!

Fun Facts for Oshawa Drivers

Driving and vehicle stats from the thousands of quotes completed by Oshawa drivers each year on

Average car insurance savings for drivers in Oshawa: $1,180*

Most popular vehicles insured by Oshawa-based married couples: Toyota Rav4, Honda Civic, Toyota Camry, Honda Civic

Most popular vehicles insured by singles in Oshawa: Chevrolet Cruze, Nissan Sentra, Mazda 3, Dodge Grand Caravan

Percentage of Oshawa drivers who have had no accidents in the past 10 years:86.27%

Average kilometres driven by Oshawa drivers annually: 15,131 km

Most common professional association discounts for Oshawa drivers: Durham College Alumni, Durham College, University of Ontario Institute of Technology (Students), Unifor Local 222, Centennial College Alumni

Data based on quotes completed by Oshawa drivers on between January 1 and December 31, 2018.

*Shoppers in Oshawa who obtained a quote on from January to December 2023 saved an average of $583 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