Car Insurance in Aurora at a Glance
Average annual premium: $2,222 YoY city rate change: +7.7% Average monthly premium: $185 Aurora premium vs. Ontario average: +4.2% more expensive Maximum savings with MyChoice: $1,268
How Does Car Insurance Work in Aurora?
Car insurance is mandatory in Ontario, but it’s important to understand the factors that influence your insurance premium and the types of coverage you should consider.
Below is a breakdown of what’s included in your car insurance package in Aurora when you get a quote with MyChoice, categorized by mandatory and highly recommended coverages. Together, the mandatory and recommended coverage premiums reflect the average car insurance cost in Aurora referenced above.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability – Accident Benefits – Uninsured Automobile | $992 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $1,230 |
| Coverage Total: | $2,222 |
Quote data from MyChoice.ca, May 2026
*Starting July 1st, 2026, Ontario is splitting Accident Benefits into mandatory and optional components. Income replacement, caregiver benefits, and death benefits are no longer automatically included. Your policy will auto-renew with your current coverage, but if you’re buying a new policy after July 1, you’ll need to actively choose these add-ons.
Mandatory Coverages:
The coverages below are mandatory in Aurora and will always be included in a standard car insurance quote.
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Third-Party Liability | Protects you if you injure someone or damage property while driving, and covers legal costs if you’re sued | $310 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault | $665 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage | $17 |
| Coverage Total: | $992 |
Quote data from MyChoice.ca, May 2026
Highly Recommended Coverages:
Any of the highly recommended coverages listed below for Aurora may be removed from your quote. However, we strongly recommend keeping them to ensure adequate protection.
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Direct Compensation: Property Damage | Covers damage to your own vehicle if you’re not at fault in an accident with another insured driver in Ontario. | $546 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $332 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $240 |
| OPCF 20: Loss of Use | Pays for rental or other transportation if your car is out of service after an at-fault accident or comprehensive claim. | $27 |
| OPCF 27: Rental Vehicle | Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them. | $29 |
| OPCF 44R: Family Protection | Covers you and your family if you’re hit by an uninsured, underinsured, or hit-and-run driver and their coverage isn’t enough. | $22 |
| OPCF 39: Accident Forgiveness | Prevents your insurance premiums from increasing after your first at-fault accident, as long as you stay with the same insurer. | $32 |
| OPCF 43: Waiver of Depreciation | Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off. | $2 |
| Coverage Total: | $1,230 |
Quote data from MyChoice.ca, May 2026
*Any of the above highly recommended coverages in Aurora may be removed from your quote, but we strongly recommend keeping them to have adequate protection.
How Aurora Car Insurance Rates Compare to Nearby Cities
The table below compares Aurora’s car insurance rates with those of some of the neighbouring cities.
| City | Average Annual Car Insurance Premium | Difference from Aurora Premium |
|---|---|---|
| Aurora, ON | $2,222 | – |
| Newmarket, ON | $2,140 | -3.7% |
| Richmond Hill, ON | $2,422 | +9.0% |
| Markham, ON | $2,364 | +6.4% |
| Vaughan, ON | $2,705 | +21.7% |
| Bradford, ON | $1,938 | -12.8% |
Quote data from MyChoice.ca, May 2026
Car Insurance Cost in Aurora by Age
Auto insurers in Canada factor in your age as part of your risk assessment.
Generally, older drivers who are 65 years old have higher car insurance premiums. This is because senior citizens are considered more likely to get into an accident due to the poorer vision and slower reflexes associated with old age. They’re also considered more likely to be harmed or to die if they get into a car accident.
However, you don’t necessarily get lower premiums just because you’re young. In fact, younger drivers below the age of 25 also have high car insurance premiums. Auto insurers consider young drivers as less experienced on the road, making them more likely to get into an accident or commit a traffic violation.
Take a look at our table below to see how your age affects the cost of your Aurora car insurance and how much you can save every year with MyChoice:
| Age | Average Annual Car Insurance Premium | Annual Savings with MyChoice |
|---|---|---|
| 18-20 | $6,377 | $1,268 |
| 21-24 | $3,289 | $654 |
| 25-34 | $2,533 | $504 |
| 35-44 | $2,222 | $442 |
| 45-54 | $1,889 | $376 |
| 55-64 | $1,755 | $349 |
| 65+ | $1,800 | $358 |
Quote data from MyChoice.ca, May 2026
Car Insurance Cost in Aurora by Driving History
Your driving history is used by auto insurers to measure the risk that you’ll get into an accident, so it can have a significant effect on your car insurance premiums.
Generally, drivers who have many speeding tickets and other traffic violations on their records will have the highest car insurance premiums. They’re considered “high-risk” drivers who are more likely to be careless or re-offend, costing car insurers more to cover them. Drivers with a clean record, on the other hand, typically enjoy the lowest car insurance premiums in Aurora.
Your demerit points, tickets, and driving violations only stay on your Ontario record for two years, but Aurora car insurers may check as far back as 10 years to measure your accident risk. This means even old violations can increase the cost of your car insurance.
Here’s a quick look at how different driving violations affect your Aurora car insurance premiums:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $2,222 |
| Insurance cancellation due to non-payment | $3,089 |
| Licence suspension for alcohol-related offences | $2,333 |
| One at-fault accident | $4,355 |
| Minor speeding ticket | $2,689 |
Quote data from MyChoice.ca, May 2026
Car Insurance Cost in Aurora by Vehicle Model
Your car insurance premium will vary depending on the vehicle you drive. Below is a breakdown of the estimated insurance costs for various car models in Aurora.
| Car Model | Average Annual Car Insurance Premium |
|---|---|
| Honda Civic | $2,381 |
| Toyota Corolla | $2,175 |
| Toyota RAV4 | $2,433 |
| Honda CR-V | $2,589 |
| Hyundai Elantra | $2,469 |
| Tesla Model 3/Y | $2,612 |
| Mazda CX-5 | $2,362 |
| Nissan Rogue | $2,130 |
| Honda Accord | $2,475 |
| Toyota Camry | $2,101 |
| BMW X3 | $2,036 |
| Hyundai Tucson | $2,329 |
| Kia Sportage | $2,007 |
| Subaru Crosstrek | $1,898 |
| Volkswagen Tiguan | $2,313 |
Quote data from MyChoice.ca, May 2026
The Best Car Insurance Brokerages in Aurora
Car insurance brokers can answer your questions and help you find car insurance coverage with the best value in Aurora. With more information about your vehicle make, driving history, and driving habits, they can comb through multiple quotes and simplify your selection process.
Here are some reputable car insurance brokerages in Aurora. Contact them through their details below if you need auto insurance assistance:
| Brokerage | Address | Phone number |
|---|---|---|
| BrokerLink | 238 Wellington St E Suite 400 Aurora, ON L4G 1J5, Canada | +19057274605 |
| McAuley Insurance Brokers | 4 Vata Ct unit 30 Aurora, ON L4G 4B6, Canada | +19057732995 |
| Choice Insurance Brokers Inc | 225 Industrial Pkwy S Aurora, ON L4G 3V5, Canada | +19058413000 |
Driving in Aurora
Found within the Golden Horseshoe area of Southern Ontario, the town of Aurora is known for preserving its historical architecture, earning it the Prince of Wales Prize for Municipal Heritage Leadership in 2008. Lake Ontario is also just south of this picturesque town, while Lake Simcoe lies to the north.
Its natural beauty, rich history, and proximity to the Greater Toronto Area make it an attractive place to live in. However, residents often complain about the length of their commutes.
What’s it like to drive in Aurora? Here are some key facts about driving in this town:
- Major highways in Aurora: 404, 407, 401
- Public transit options: York Regional Transit (bus), Viva (rapid transit bus; also operated by York Regional Transit)
- Ridesharing services: Uber, Lyft
- Parking space providers: The Town of Aurora, private lots
- Top tourist attractions: Aurora Historical Society & Hillary House, Aurora Arboretum, Aurora Cultural Centre, Sheppard’s Bush Conservation Area, Canadian Moments Mural, Willow Farm, Lakeview & Wimpey Trail
- Busy intersections: Yonge Street and Wellington Street, Highway 48 (from Bloomington Road) and Smith Boulevard, Aurora Heights Drive (from Bathurst Street) and Yonge Street
- Airports: N/A
Commuting Duration in Aurora
There’s a relatively even spread between commuting times in Aurora. Half of the town takes under 30 minutes to get to work, while the other half takes over 30 minutes. Here’s a detailed breakdown of commuting times in Aurora:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 18,335 | 100.0 |
| Less than 15 minutes | 4,615 | 25.2% |
| 15 to 29 minutes | 4,425 | 24.1% |
| 30 to 44 minutes | 4,770 | 26.0% |
| 45 to 59 minutes | 2,430 | 13.3% |
| 60 minutes and over | 2,090 | 11.4% |
Driving Conditions in Aurora
Snowfall, rain, and commute time are just some of the many driving conditions that can affect road safety. Road safety has a significant impact on your driving risk, and, consequently, the cost of your car insurance.
Here’s an overview of the average driving conditions in Aurora:
- Average daily commute time: 2 hours round trip
- Average annual rainfall: 662 mm
- Average annual snowfall: 549 mm
- Rainy days per year: 146.2 days
- Rainiest month in Aurora: June
- Driest months in Aurora: February, December
- Snow days per year: 56.7 days
- Snowfall months in Aurora: January – May, October – December
Traffic in Aurora
Aurora, ON is considered a “bedroom community” for the Greater Toronto Area, with many of its residents commuting to workplaces in Toronto, Barrie, and Vaughan. Though the town has multiple bus routes, many Aurora residents opt to drive to their workplaces, which can lead to heavy traffic during peak hours.
Here’s a quick overview of the key traffic statistics in Aurora:
- Population: 62,057 people live within Aurora’s town limits.
- Town area: Aurora’s town limits span 50 km2.
- Average commute distance: The average Aurora resident travels 25 km every day to their school or workplace.
- Time spent in traffic annually: The average Aurora resident spends 2 hours in traffic daily, totalling roughly 730 hours per year.
- Busiest road: Aurora’s busiest road is Yonge Street.