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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderCity
$111.71Jul 16, 2025, 02:28 PMAuto62FemaleSudbury
$60.44Jul 16, 2025, 06:44 PMHome57FemaleSault Ste. Marie
$29.06Jul 16, 2025, 09:54 AMTenant41FemaleBelleville
$39.93Jul 16, 2025, 07:45 PMLife44MaleNiagara Falls
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Updated on July 2, 2025

6 minute read

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 $2,023.
  • Comparing Aurora auto insurance quotes with MyChoice can save you up to $1,155 annually.

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 TypeWhat’s IncludedAverage Annual
Car Insurance Premium
Mandatory– Third-Party Liability
– Accident Benefits
– Uninsured Automobile
$902
Highly
Recommended
– Direct Compensation:
Property Damage
– Collision
– Comprehensive
– OPCF 20
– OPCF 27
– OPCF 44R
– OPCF 39
– OPCF 43
$1,121
Coverage Total:$2,023

Mandatory Coverages

Coverage TypeCoverage DetailsAverage Annual
Car Insurance Premium
Third-Party LiabilityProtects you if you injure someone
or damage property while driving,
and covers legal costs if you’re sued
$282
Accident BenefitsCovers medical costs, income
replacement, and more for you and
others injured in an accident,
regardless of fault
$604
Uninsured AutomobileProtects you if you’re hit by an
uninsured or an unidentified driver
and suffer injuries or vehicle damage
$16
Coverage Total:$902

*The above coverages are mandatory in Aurora and will always be included in a standard car insurance quote.

Highly Recommended Coverages

Coverage TypeCoverage DetailsAverage 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.
$497
CollisionCovers your vehicle if you hit another
car or object and you’re found at fault.
$303
ComprehensiveCovers damage to your vehicle from
non-collision events like theft, vandalism,
fire, or weather.
$218
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.
$25
OPCF 27:
Rental Vehicle
Extends your coverage to rented or
borrowed vehicles, protecting you if
damage occurs while you drive them.
$26
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.
$21
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.
$29
OPCF 43:
Waiver of Depreciacion
Ensures you get the full purchase price
back—not a depreciated value—if your
new vehicle is written off.
$2
Coverage Total:$1,121

*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. 

CityAverage Annual
Car Insurance Premium
Aurora, ON$2,023
Newmarket, ON$2,066
Richmond Hill, ON$2,309
Markham, ON$2,163
Vaughan, ON$2,451
Bradford, ON$1,871

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:

AgeAverage Annual
Car Insurance Premium
Average Savings
with MyChoice
18-20$5,806$1,155
21-24$2,994$596
25-34$2,306$459
35-44$2,023$402
45-54$1,720$342
55-64$1,598$318
65+$1,639$326

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$2,023
Insurance cancellation
due to non-payment
$2,812
Licence suspension for
alcohol-related offences
$2,124
One at-fault accident$3,965
Minor speeding ticket$2,448

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 ModelAverage Annual
Car Insurance Premium
Honda$1,856
Toyota$2,130
Tesla$1,987
Hyundai$2,040
Audi$2,515
BMW$2,355
Mazda$1,886
Mercedes$2,004
Subaru$1,756
Volkswagen$1,861

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
+19057274605
McAuley Insurance Brokers4 Vata Ct unit 30
Aurora, ON L4G 4B6, Canada
+19057732995
Choice Insurance Brokers Inc225 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

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%
Walked5453.0%
Bicycle1000.5%
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 $2,023/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.

Methodology

Sample Size

We analyzed over 50,000 auto insurance quotes across Canada.

Profiles

Average rates were calculated using a standard profile and incident profiles. All personal details pertaining to the quotes and policies have been kept confidential.

Standard Profile

Single driver, one car, currently insured, and a pristine driving record. Our base profile is a 35-year-old individual (both male and female) with a spotless driving record.

Incident Profiles

We examined how rates change by evaluating profiles with a clean record (standard), one at-fault accident, a single speeding ticket, license suspension for alcohol related offenses and insurance cancellation due to non-payment.

Vehicle Details

These individuals own a 2018 Honda Civic, commute five days a week, and cover a distance of 15,000 kilometres annually.

Vehicle Models

Costs were also analyzed for different vehicles: Mazda CX-5, Ford Escape, Toyota Corolla, Honda Accord, Chevrolet Equinox, and the base 2018 Honda Civic.

Age and Homeownership

Profiles from age 18-65 (standard: 35 years) were considered. Depending on age, individuals might rent or own their homes. Age-related regulations may vary across provinces.

Team

MyChoice data science, MyChoice research.

Sources

1. Mychoice.ca Internal Data, How Car Insurance Works, Ontario, Aurora, Car Insurance Quotes Collected, 2025.

2. Mychoice.ca Internal Data, Car Insurance Rates in Nearby Cities, Ontario, Aurora, Car Insurance Quotes Collected, 2025.

3. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, Aurora, Car Insurance Quotes Collected, 2025.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, Aurora, Car Insurance Quotes Collected, 2025.

5. Mychoice.ca Internal Data, Rate Cost By Vehicle Model, Ontario, Aurora, Car Insurance Quotes Collected, 2025.

6. City of Aurora Website, Driving & Transit Information. Data Collected in 2025.

7. Statistics Canada, 2021, Census of Population, Ontario, Aurora, Main Mode of Commuting. Data Collected in 2025.

8. Statistics Canada, 2021, Census of Population, Ontario, Aurora, Commuting Duration. Data Collected in 2025.

9. Weather Network Canada, Historical Averages, Ontario, Aurora. Data Collected in 2025.

10. 511 Ontario Traveller Information, Ontario, Aurora. Data Collected in 2025.

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