Drivers in Aurora need to consider Highway 404 travel, major roads like Yonge Street and Wellington Street, common roadwork, and seasonal weather.
The purpose of this page is for Aurora drivers to compare the area’s auto insurance rates to those of surrounding communities in York Region, see how personal information like age and driving history affects premiums, and understand what portion of the premium goes toward each type of coverage. The article also provides background information on specifics of Aurora commute and gives tips on what drivers should think about when selecting a policy or working with an insurance broker.
Aurora’s rates are based on MyChoice auto insurance quotes collected between January and June 2026.
Aurora Car Insurance at a Glance
According to our data, Aurora’s median annual car insurance price is $2,673, or $223 per month. This is 14.0% higher than the Ontario median.
| Median annual premium | $2,673 |
| Median monthly premium | $223 |
| Aurora premium vs. Ontario Median | 14.0% more expensive |
| Cheapest Postal Code | L4G ($2,673) |
| Most Expensive Postal Code | L4G ($2,673) |
Aurora Premiums Compared with Surrounding Cities
At $2,673, Aurora’s median is less than Richmond Hill ($2,780) and more than Newmarket ($2,557), holding the driver’s details the same. Bradford is much lower at $1,908, whereas Vaughan ($2,977) and Markham ($3,046) have higher medians.
An address change within York Region can also have a big impact on your rate. So be sure to get several quotes for your new address when you’re moving.
| City | Median Annual Car Insurance Premium | Difference from Aurora Premium |
|---|---|---|
| Aurora, ON | $2,673 | — |
| Newmarket, ON | $2,557 | -4.3% |
| Richmond Hill, ON | $2,780 | +4.0% |
| Markham, ON | $3,046 | +14.0% |
| Vaughan, ON | $2,977 | +11.4% |
| Bradford, ON | $1,908 | -28.6% |
Growth and Regional Commuting in Aurora
Whether it’s a quick drive around the neighbourhood or a trip up Highway 404 or other regional routes, many of the factors that can delay Aurora drivers are similar: traffic, road construction, school zones, inclement winter driving conditions and more.
Unfortunately, alternative routes are limited, so allowing for extra commuting time during rush hour is a good idea to ensure drivers are making their way safely and efficiently. Being wary of other drivers making quick manoeuvres to enter Highway 404 is another way Aurora drivers can help to reduce their risk of being involved in an accident.
Inside the $2,673 Aurora Premium
Vehicle damage coverage ($1,232.40) accounts for the largest portion of an Aurora driver’s average insurance premium, with mandatory coverage ($1,196.61) not far behind.
Most of your policy’s cost is taken up with core protection. Changes to your comprehensive and collision insurance and deductibles may be more lucrative in finding savings than mandatory coverage.
| Part of the policy | What is included | Median Annual Car Insurance Premium |
|---|---|---|
| Legally required coverage | Third-Party Liability; mandatory medical, rehabilitation and attendant care; Uninsured Automobile | $1,196.61 |
| Vehicle damage protection | DCPD; Collision; Comprehensive | $1,232.40 |
| Optional Accident Benefits | Selected optional benefits shown below | $230.59 |
| Optional endorsements | OPCF 44R – Family Protection | $13.41 |
| Coverage Total: | $2,673 |
Effective July 1, 2026, some Accident Benefits that used to be compulsory are optional now. It’s important to speak with a licensed insurance professional before opting-out of Accident Benefits that will help you if you’re involved in a collision. It may save a few dollars in premiums, but can cost you a lot if you’re injured.
What Makes a Good Car Insurance Policy in Aurora?
Make sure you have adequate third-party liability insurance. Consider getting comprehensive insurance for weather-related damages and theft on cars that are worth more to replace. You can also get collision insurance, which helps to pay for repairs if the car can be salvaged, on cars that are worth more to replace.
Read More: Anti-Theft Devices That Can Help Lower Your Auto Insurance
What Aurora Drivers Pay at Different Ages
Insurance premiums decline in Aurora as drivers get older, but not on a linear basis. For example, here’s a look at median auto insurance rates in Aurora for different age groups.
Drivers who are 18-20 pay a median of $6,405 per year. Drivers who are 35-44 pay a median of $2,673, while those who are 65 and older pay a median of $2,256.
If you’re shopping for auto insurance for the entire family, get quotes on the whole family. Especially if there’s a young driver, see what each car costs to insure before assigning drivers to particular vehicles.
| Age | Median Annual Car Insurance Premium |
|---|---|
| 18-20 | $6,405 |
| 21-24 | $3,967 |
| 25-34 | $2,871 |
| 35-44 | $2,673 |
| 45-54 | $2,365 |
| 55-64 | $2,318 |
| 65+ | $2,256 |
What Tickets and Claims Can Cost Drivers in Aurora
The median car insurance rate for a driver with no accidents is $2,673, but with one at-fault accident it’s $4,132, representing a $1,459 increase.
Other factors that raise rates include minor speeding tickets, which add $436 for a total of $3,109, suspended licenses ($3,627) and DUI convictions ($6,749).
Auto insurance companies vary on how much each ticket or conviction raises rates, so it’s especially important to shop around following an at-fault accident or DUI conviction.
| Driving record | Median Annual Car Insurance Premium |
|---|---|
| Clean | $2,673 |
| Minor speeding ticket | $3,109 |
| One at-fault accident | $4,132 |
| Insurance cancellation (non-payment) | $3,120 |
| Licence suspension | $3,627 |
| Impaired driving conviction | $6,749 |
| Stunt driving conviction | $4,536 |
Read More: Where Aurora Ranks for Road Rage in Ontario
