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What our users say:

July 23
They way everyone was so polite and…
They way everyone was so polite and helpful
Yasameen Siddiqi
July 22
Quotes over the phone were great...
Quotes over the phone were great...
Gregory Nowak
July 22
Communication was easy
Communication was easy. Quick call from the staff after application was submitte...
Richard Fababeir
July 20
I Spoke With a Very nice Young Man and…
I Spoke With a Very nice Young Man and he was very helpful
Suzanne Sharma
July 19
Very god interaction with your agent
Very god interaction with your agent, who was knowledgeable, efficient and nice ...
emanuel pivniceru
July 19
Saved over $700
Saved over $700. That says it all.
Tim
July 18
Responsive helpful
Very helpful thank you
Karel Ferenc
July 17
Great Customer service
I was very happy and please with the outcome of the call, all my questions were ...
Santo
July 17
Quick and easy
Quick and easy. Very helpful broker
Peter Deeprose
July 17
Very knowledgeable and helpful sales…
Very knowledgeable and helpful sales staff.
Lisa Rucha
July 17
Mark was very informative and not…
Mark was very informative and not pushy. He was very helpful and I appreciate it...
Brenda Hanzuk
July 16
Super helpful
Super helpful, quick and easy!
Mandy J
July 12
Excellent service
The lowest rates agent called me right after I finished the initial question and...
D-Glenn Surgenor
July 11
Professional all the way!
They were able to find the right coverage at the right price in a short time. P...
Jeff
July 7
The name says it all
The name says it all, lowest rates available and very professional service. 5 st...
Adam Koester
July 5
The service I received today 7/4/24 was…
The service I received today 7/4/24 was amazing and swift.
MARIO CLARKE
June 28
There was an instant offer and then…
There was an instant offer and then quick follow up.
Dcghelani
June 20
Good
Good rates using
Sharma
June 10
The service was quick and convenient.
The service was quick and convenient.
Eddy
June 2
Great customer service!
Great customer service!
Owen Thompson
May 23
There going to help you be covered as long as you keep keep up with your monthly payments against somebody else s fire and flood damage if you started the fire or flood by no fault of your own doing .
My sister refused me to cooperaters in hamilton for apt fire insurance .they gav...
Cindy Lou
May 15
The Hope of a more cost saving policy
The Hope of a more cost saving policy
Caroline m Fremont
May 14
They went through the insurance…
They went through the insurance information with me , and allowed me to save hun...
Kevin Jessome
May 5
I was so impressed with your…
I was so impressed with your representative- Bhakti Joshi for her help in walkin...
Maureen Driscoll
May 5
The fellows were very friendly and…
The fellows were very friendly and helpful
Leona Toner
May 4
Very Helpful when time you need it
I have been using lowest rate.ca to find the best raye for any of my insurance a...
Eli
April 19
Sean was easy to talk too and very…
Sean was easy to talk too and very informative.
Angela

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When you find the best quote, secure your Whitby auto insurance rate by talking to a licensed broker or agent.

We can help you find cheap car insurance in Whitby.

As a commuter suburb located in the Greater Toronto Area (GTA), driving will likely be a big part of your life in Whitby. Some households may even have two or more cars.

Drivers in Ontario — and in some GTA cities in particular — can pay some of the highest car insurance premiums in Canada. As a result, it’s important for drivers to compare multiple auto insurance quotes from different providers to find affordable car insurance in Whitby. Luckily, LowestRates.ca makes that easy.

In just three minutes, our quoter tool allows you to compare car insurance rates from 50+ providers in Canada. Enter your postal code above and click “Get Started,” tell us a bit about yourself and your vehicle, and compare Whitby auto insurance quotes today.

Front view of a car. Illustration.

See how our customers in Whitby save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from July 23, 2024
Customer
Female, 19 years old
Location
whitby
Vehicle
2015 FORD FIESTA S 4DR
Lowest Rate
$350/mth
$4,194/yr
Average Rate
$503/mth
$6,031/yr
Saved
$153/mth
30.46%
Quote from July 23, 2024
Customer
Female, 76 years old
Location
whitby
Vehicle
2009 CHEVROLET IMPALA LT V6 4DR
Lowest Rate
$29/mth
$351/yr
Average Rate
$70/mth
$836/yr
Saved
$40/mth
58.01%
Quote from July 23, 2024
Customer
Female, 76 years old
Location
whitby
Vehicle
2022 CHEVROLET EQUINOX LT 4DR AWD
Lowest Rate
$98/mth
$1,174/yr
Average Rate
$138/mth
$1,651/yr
Saved
$40/mth
28.89%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

Focus on

Driving in Whitby.

Most popular cars in Whitby.

Here's a snapshot of what Whitby auto insurance shoppers are driving based on quotes completed on LowestRates.ca.

Popular Brands

  1. Honda
  2. Hyundai
  3. Toyota
  4. Chevrolet
  5. Mazda

Who shops for auto insurance in Whitby?

Based on our data, here’s who’s shopping for car insurance in Whitby.

Gender of our users

Male
68%
Female
32%

Average Age

34

years old

Tickets & Accidents

Have Tickets
11.3%
Have Had Accidents
10.9%

What can I do to get cheap car insurance in Whitby?

It's easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:

Shop around

We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.

Buy the right coverage

Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.

Drive responsibly

Your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.

Pay on time

Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.

Bundle up

Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.

Be safe, not sorry

Safety features like winter tires and alarm systems can help reduce your insurance premium.

Stick with one insurer

Most auto insurance companies give special discounts to customers who stay with them for a number of years.

Take a course

A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.

Keep driving

The math is clear: more experience on the road equals lower car insurance premiums. Young drivers almost universally pay higher rates for car insurance. While it’s difficult for new drivers to secure cheap car insurance rates, you may be able to lower your rates by maintaining good grades and attending driving school.

Look at location

Where you drive affects your premiums. Some areas are associated with higher rates of car accidents and theft.

Choose the right car

Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.

Track your driving

With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.

Your questions about car insurance in Whitby, answered.

How much is car insurance in Whitby?

There isn’t any one answer to this question. That’s because the two biggest variables involved in automobile insurance pricing in Whitby (and the rest of Canada) are the vehicle and the driver.

Every insurance carrier has its own underwriting process that takes your driving record, vehicle type and location into account. The process for each insurance company can be different, so different companies may give you different prices.

Some of the variables involved include the amount of time you’ve been driving, whether you have had any at-fault collisions or traffic violations, and your age. The type of car you’re insuring can affect your insurance premium as well. Expensive luxury cars generally cost more to insure because they cost more to repair and replace. Insurance companies also take into account the vehicle’s safety ratings and safety features, plus how many claims that particular make and model has been involved in and how much those claims cost.

Which Whitby postal code has the highest average car insurance premiums?

According to data from LowestRates.ca, the Whitby postal code that has the highest quotes for car insurance is L1P.

Which Whitby postal code has the lowest average car insurance premiums?

According to LowestRates.ca data, the Whitby postal code that has the lowest quotes for car insurance is L1R.

How do Whitby car insurance rates compare to other cities in Ontario?

Here’s how the average car insurance premium in Whitby compares to average premiums in nearby cities, according to LowestRates.ca data:

  • Ajax: 9.2% higher than Whitby
  • Oshawa: 7.8% higher than Whitby
  • Pickering: 7.7% higher than Whitby
  • Uxbridge: 21.4% lower than Whitby
  • Port Perry: 10.5% lower than Whitby
  • Bowmanville: 14.1% lower than Whitby

Here’s how the average car insurance premium in Whitby compares to average premiums in Ontario’s most populous regions:

  • Toronto: 15.6% higher than Whitby
  • Scarborough: 44.5% higher than Whitby
  • North York: 40.4% higher than Whitby
  • Mississauga: 26% higher than Whitby
  • Markham: 22.1% higher than Whitby
  • Brampton: 56.4% higher than Whitby

Keep in mind that where you live is just one factor that goes into calculating the price of Whitby car insurance. Your driving record and the vehicle you drive will also affect the rates offered to you by insurance companies.

Where do I get the cheapest car insurance quotes in Whitby?

This is another question that doesn’t have a simple answer, because there isn’t one car insurance company that offers the lowest rates to all drivers. Every car insurance company that serves Whitby has different risk tolerances and underwriting standards.

This means that if you’re a young driver, you may find that insurance rates are more expensive with one carrier than another. The same could happen if you’ve been in an accident recently, or if you’re trying to insure a luxury vehicle or sports car.

Every company will look at these factors in your driving profile and weigh them differently when coming up with final auto insurance quotes and rates for you in Whitby. That’s why it’s useful to compare multiple car insurance providers using LowestRates.ca. We shop the market for you so you can find the cheapest auto insurance company in Whitby for your driver profile.

What factors affect the cost of car insurance in Whitby?

There are lots of factors that affect auto insurance rates in Whitby — some are in your control, and some aren’t.

Some of the factors you have control over include the area you choose to live in, the amount of kilometres you plan to drive per year, whether you want basic or comprehensive coverage, and whether you park your car in a garage, driveway or public street.

Some things about your driving history are unfortunately not in your control. For example, your age — car insurance for new drivers in Whitby might be higher because of lack of driving experience. Other important factors that determine the cost of your insurance include the amount of years you’ve already spent as an insured driver, and any collisions or traffic violations.

When it comes to what information insurance companies can see, things like driving tickets, accidents, convictions and insurance claims generally stay on your driving record for three years.

What are car insurance rates in Whitby for students?

Students are generally part of a younger demographic, and unfortunately, cheap car insurance in Whitby for new drivers can be hard to come by.

Younger students will generally pay more for insurance because they likely have little driving experience. To an insurer, that would mean you have a higher likelihood of getting into an accident that would cause you to make a claim.

But there are things to make life easier for you if you fall into this demographic. Taking a certified driving course can have an effect on lowering your insurance costs.

You could also become a secondary driver on your parents’ insurance. This would have the double benefit of reducing your insurance cost while giving you an insurance history that will reduce costs down the road.

Some insurance companies may have different rules around whether you can be insured under your parent’s policy, and they may require you to either live with your parent or for the vehicle to be owned by your parent. Be sure to inquire about this with your insurer if you plan to go on a parent’s account.

What are car insurance rates in Whitby for new immigrants?

The answer to this question can depend on where you’re immigrating from, and whether your insurance company will take your driving history in a previous country into account.

You can exchange your licence for an Ontario one if you are relocating from another Canadian province or territory, the United States, Australia, Austria, Belgium, France, Germany, Great Britain, the Isle of Man, Japan, South Korea, New Zealand, Northern Ireland, Republic of Ireland, Switzerland and Taiwan. You can also exchange your licence if you’re relocating to Ontario through the Canadian Armed Forces.

Generally speaking, new immigrants may find they get charged higher premiums at first, since they don’t have an established insurance history in Ontario. But there are ways to reduce the cost.

According to the Government of Ontario, new residents “can self-declare one year of driving experience, by showing a valid, original foreign driver’s licence.” To earn more than a year of driving history credit, you’ll need to produce an official letter (written in English or French) from the foreign government or agency that issued your driver’s licence.

What are car insurance rates in Whitby for high-risk drivers?

You’ll be classified as a high-risk driver if you’ve been in too many accidents or have had too many tickets for traffic violations in a short span of time. This can have a serious effect on your driving insurance rates.

Being a high-risk driver can also limit what insurance companies will even consider insuring you. Often, providers with a risk appetite for a high risk driver will charge much higher premiums.

If you’ve had multiple crashes or traffic violations in a short span of time, you should do your best to drive safely for the next while to ensure your rates don’t skyrocket.

How can I reduce my car insurance premiums in Whitby?

One of the best things you can do for your insurance rates is to keep a safe driving record. Even one traffic violation or at-fault collision can lead to you paying much more money per month.

You can also opt to drive less and try to take transit more often. If you commute to Toronto for work, consider the GO Train or carpooling. It’s better for the environment and for your wallet.

Installing winter tires is another step you can take to reduce your premiums — and to increase your safety during the colder months.

You can also try to take advantage of discounts at your disposal. See if your workplace or the university you attended offers special deals with certain insurance providers. And, if you’re renewing with your current provider, ask if they have loyalty discounts. For seniors, car insurance providers in Whitby may have special discounts.

Lastly, the best way to ensure you get the best rate in Whitby is to use LowestRates.ca’s car insurance quote tool so you get the best car insurance estimate for Whitby.

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*Shoppers in Whitby who obtained a quote on LowestRates.ca from January to December 2023 saved an average of $634 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 LowestRates.ca.