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Aurora Car Insurance

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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$106.58May 21, 2024, 07:11 AMAuto69FemaleL2R6P9
$46.95May 21, 2024, 10:07 AMHome44FemaleL6Y0E8
$24.71May 21, 2024, 12:42 AMTenant25FemaleK8N3P9

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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on May 16, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated May 16, 2024

Visit author page

4 minute read

Article Contents

Quick Facts About Auto Insurance in Aurora

  • Aurora car insurance is MORE expensive than the Ontario average.
  • The average annual car insurance cost in Aurora for a driver with comprehensive/collision coverage and a clean record is around $1,754.
  • Comparing Aurora auto insurance quotes with MyChoice can save you up to $1,245 annually.

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:

BrokerageAddressPhone number
BrokerLink238 Wellington St E Suite 400
Aurora, ON L4G 1J5, Canada
McAuley Insurance Brokers4 Vata Ct unit 30
Aurora, ON L4G 4B6, Canada
Choice Insurance Brokers Inc225 Industrial Pkwy S
Aurora, ON L4G 3V5, Canada

Auto Insurance by Postal Code in Aurora

The average car insurance rate in Aurora, ON is $1,754/year, slightly above when compared to Ontario’s provincial average of $1,673/year and L4G is Aurora’s only postal code, so it has the highest car insurance premiums by default.

Postal CodeAverage Annual Car Insurance Premium

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 My Choice:

AgeAverage Annual RatesAverage Savings with MyChoice

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 ViolationAverage Annual Car Insurance Premium
Clean driving record$1,754
Insurance cancellation due to non-payment$2,877
Licence suspension for alcohol-related offences$2,105
One accident$3,859
Speeding ticket$2,280

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

Main Mode of Commuting in Aurora

The majority of commuters in Aurora prefer travelling by car. However, public transportation is reasonably popular, taking a 4.7% share of all the town’s commuters. Cyclists are in the minority, numbering just 100 people as of the latest census. Here’s a detailed look at the commuting preferences of Aurora residents:

Main mode of commutingCountsRates
Total – 25% sample data18,335100.0
Car, truck or van16,32089.0%
Car, truck or van – as a driver15,16582.7%
Car, truck or van – as a passenger1,1606.3%
Public transit8704.7%
Other method5002.7%

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 durationCountsRates
Total – 25% sample data18,335100.0
Less than 15 minutes4,61525.2%
15 to 29 minutes4,42524.1%
30 to 44 minutes4,77026.0%
45 to 59 minutes2,43013.3%
60 minutes and over2,09011.4%

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.

The Most Common Questions About Car Insurance in Aurora

How much does Aurora car insurance cost?

Aurora car insurance costs $1,754/year.

Is car insurance cheaper in Aurora than in Toronto?

Yes, car insurance is cheaper in Aurora than in Toronto. The average cost of car insurance in Aurora is $1,754/year, while the average cost of car insurance in Toronto is $2,139/year.

How can you get cheaper car insurance in Aurora?

Compare car insurance rates in Aurora with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.


1. Mychoice.ca Internal Data, Auto Insurance by Postal Code, Ontario, Aurora, Car Insurance Quotes Collected, 2023.

2. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, Aurora, Car Insurance Quotes Collected, 2023.

3. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, Aurora, Car Insurance Quotes Collected, 2023.

4. City of Aurora Website, Driving & Transit Information. Data Collected, 2023.

5. Statistics Canada, 2021, Census of Population, Ontario, Aurora, Main Mode of Commuting. Data Published March 29, 2023.

6. Statistics Canada, 2021, Census of Population, Ontario, Aurora, Commuting Duration. Data Published March 29, 2023.

7. Weather Network Canada, Historical Averages, Ontario, Aurora.

8. 511 Ontario Traveller Information, Ontario, Aurora.

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