Cheap Whitby Car Insurance Quotes
Whitby drivers save $741* on average by comparing quotes on InsuranceHotline.com
Jump straight to:
- How Whitby auto insurance works
- Whitby mandatory and optional car insurance coverage
- How to get the cheapest Whitby car insurance quote
- How much does Whitby car insurance cost?
- Comparing Whitby’s average car insurance premium against other Ontario cities
- Factors that determine your Whitby car insurance rate
- Frequently asked questions about Whitby car insurance
How Whitby auto insurance works
Drivers who live in Whitby, located about an hour east of Toronto, follow the provincial 'no-fault' system and must deal with their own insurance company regardless of who was at fault during an accident.
Whitby residents, like all Ontario residents, are governed by auto insurance rules set by the province of Ontario. Insurance is mandatory if you want to drive a car in Whitby and must include third-party liability, statutory accident benefits, DCPD, and uninsured automobile insurance. Additional coverage can be purchased for further protection but is not a requirement by law.
Whitby car insurance is sold within a private insurance model and can be purchased through insurance brokers, agents or directly from companies. Sites like InsuranceHotline.com are also a good place to start looking for insurance and comparing rates.
Whitby mandatory and optional car insurance coverage
| 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. |
| 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. |
| Direct Compensation-Property Damage (DC-PD) | Optional | DCPD 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) | 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. |
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| Cheapest Rate | $2,398 |
| Average Rate | $3,165 |
| Savings: $767 (24%) | |
| Cheapest Rate | $2,993 |
| Average Rate | $3,953 |
| Savings: $960 (24%) | |
| Cheapest Rate | $2,963 |
| Average Rate | $8,645 |
| Savings: $5,682 (66%) | |
How much does Whitby car insurance cost?
According to the 2023 RATESDOTCA Insuramap data, the average premium paid by an Ontario driver is $1,744 per year or $145 per month. Residents of Whitby pay $1,690 per year or about $141 per month. That’s 3.2% lower than the provincial average.
Insurance rates are based on a multitude of factors. Whitby is located in the GTA and is part of the busy 401 corridor that has thousands of commuters driving into Toronto each day. So, while it may be slightly cheaper than living in Toronto, it is still relatively high compared to other Ontario cities. Its proximity to the city, density, claims history and crime statistics all contribute to that number.
Comparing Whitby’s average car insurance premium against other Ontario cities
Whitby is a so-called bedroom community. Many people live there but work and commute to Toronto. While the average Whitby car insurance premium is not the highest in the province, at $1,690, it still ranks 18th highest out of 186 cities and towns, according to the 2023 RATESDOTCA Insuramap data.
Its density and proximity to large arteries, such as Highways 401 and 407, have the potential for drivers in the area to have more collisions and claims. Whitby is also located near other industrial manufacturing areas, such as Oshawa, which would increase commuting levels and the potential for claims. Some commuters drive to a nearby GO station and take the train into the city, which helps reduce traffic and rates.
Compared to the top five most expensive cities in Ontario, Whitby rates are relatively cheap. The top five expensive cities in Ontario are all large and densely populated areas. Crime rates and theft are high, as is the potential for collisions and claims.
| City | Average 2023 premium | % difference from Whitby |
| Brampton | $2,709 | +60.3% |
| Toronto | $2,375 | +40.5% |
| Mississauga | $2,311 | +36.7% |
| Richmond Hill | $2,188 | +29.5% |
| Vaughan | $2,158 | +27.7% |
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Factors that determine your Whitby car insurance rate
Auto insurance companies consider many factors when deciding the rates you pay. Of course, all drivers have different claims or driving histories. Therefore, insurance companies offer drivers different rates. Here are some of the main factors that insurance companies consider when calculating car insurance rates in Whitby:
- Neighbourhood: Postal codes within one general area can have divergent insurance premium rates. Why? Drivers can have higher claims histories, and crime rates and driving behaviour might vary by location.
- Type of vehicle: Different cars can cost more to repair or replace after an accident. Newer, higher-end luxury vehicles have more expensive components and on-board computers than older models, which makes them costlier for your insurance company to replace. As a result, the premium would be higher.
- Daily commute: The more time you spend on the road, the more likely you will get into an accident, resulting in a claim. Whitby residents are big commuters to Toronto or other areas, for example.
- Driving history and pattern: Your driving history impacts your car insurance premiums. Accidents can stay on your driving record for up to six years, and insurance companies assess your premiums compared to your risk factors. Poor patterns and behaviours equal riskier driving and potentially more claims.
- Existing coverage: Whitby has mandatory and optional auto insurance coverage products. If you choose to add optional coverage, your insurance premium is sure to rise.
- Discount eligibility: Your age, occupation, and alma mater are all potential sources of discounts. Unfortunately, insurance companies penalize younger drivers with higher rates, but older, more experienced drivers are often rewarded with discounts for maintaining excellent track records over long periods. Members of associations or alumni of certain schools can also find discounts with their Whitby auto insurance providers.
- Add-on drivers: An add-on or secondary driver on your insurance costs you more. If that secondary driver is less experienced or has a bad history, expect costs to increase even more.
- Bundle auto and home insurance: Your insurance provider might also ask you to bundle your insurance policies, such as home and car, as an easy way to reduce your premium from 5-15%. They appreciate your business and will reward you for your loyalty.
Frequently asked questions about Whitby car insurance
How can I find the cheapest car insurance in Whitby?
Comparison shopping is an excellent way to find cheap auto insurance in Whitby. Sites like InsuranceHotline.com provide up-to-date rates from the top providers in the area. You'll see side-by-side comparisons and be able to determine, within minutes, which insurance company can offer you the lowest rate.
Who offers the cheapest auto insurance in Whitby?
Every insurance company is different, and so is every driver. Your experience, location, claims history, and more determine rates. Sites like InsuranceHotline.com can help you assess who offers the cheapest auto insurance in Whitby and meets your requirements.
Why is Whitby car insurance so expensive?
Whitby is a large suburb located near Canada's largest city – Toronto. It is relatively densely populated and has many drivers who commute to and from the area daily using two of the busiest highways in the country, the 401 and the 407. Densely populated areas with large amounts of drivers have a higher risk of claims due to collisions and the possibility of crime and theft.
Why do Whitby car insurance rates change?
Whitby's insurance rates are decided by private insurers, who adjust their rates according to the number and manner of claims received. If there have been more collisions in your neighbourhood, you can expect your premiums to increase. In Ontario, rate changes are regulated by an independent body called the Financial Services Regulatory Body (FSRA).
*Represents the average saved by Whitby 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.
