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Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
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Article Contents
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on November 6, 2023

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

Updated November 6, 2023

Visit author page

13 minute read

Article Contents

How Can You Get Cheap Car Insurance in Aurora?

You can get cheap Aurora car insurance by finding the best deals. Here are several tips to help you do so:

Compare Rates Between Insurers

Aurora has a highly competitive auto insurance market, so insurers are constantly vying for your business. When insurers try to give you the best deals, it’s you who wins. Compare rates and shop around to see which insurance provider fits your auto protection needs affordably.

Take Bundled Policies

One of the best ways to save money while shopping is to buy a package deal, and insurance is no different. If you bundle home and auto insurance from the same company, you’re much more likely to get lower rates.

Ask For A Higher Deductible

You must pay a deductible on insurance claims before your carrier covers the remaining expenses. A higher deductible means paying extra if something happens to your car, but it also means you’ll get lower insurance premiums.

Request Group Discounts

Many insurance companies deal in group discounts for companies and other organizations. If you’re shopping for auto insurance in Aurora for work, ask your agent about group deals and discounts.

Pay Annual Premiums

Paying annual insurance premiums might look expensive initially, but it’s generally cheaper than paying them monthly. Ask your insurers about half-year premiums if you can’t afford annual premiums.

Drive Safely

Motor vehicle offences and accidents stay on your record for years. Unfortunately, any driving violation on your record will considerably increase your insurance rates. However, this also means you’ll get lower auto insurance rates if you have no offences on record.

Consider Taking Usage-Based Insurance

Usage-based insurance (UBI) or pay-as-you-go insurance tracks your driving behaviour to determine how much you must pay for insurance. Taking UBI lets you save up to 30% on your annual premiums, so it’s a good option if you consider yourself a safe driver.

Take Driving Courses

Accredited driving lessons make you a safer driver and let you earn discounts on auto insurance in Aurora.

Choose the Coverage You Need

Naturally, more insurance protection leads to higher rates. While some auto insurance coverage is mandatory, you have optional insurance coverage like at-fault accident and theft protection. Review your policy and skip unnecessary optional coverage to save on insurance premiums.

Buy Affordable Cars

Cars that are expensive and hard to replace tend to get hit with higher premiums. If possible, buy affordable and reliable cars that are more common and easy to repair or replace if you want lower insurance rates.

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 a clean record is around $1,593.
  • Drivers without a clean record in Aurora can pay up to $3,511 annually, depending on factors like driving and claim history.
  • Comparing Aurora auto insurance quotes with MyChoice can save you up to $1,131 annually.

Who Provides Car Insurance Quotes in Aurora?

Insurance brokers, agents, aggregators, and direct writers provide car insurance quotes in Aurora. Here’s an overview of these four insurance quote providers:

Insurance Brokers

Insurance brokers are independent professionals who help you shop for the best rates by comparing deals from multiple insurers. Because they have a bird’s-eye view of the current Aurora insurance landscape, they can show you which companies offer the best insurance deals and answer any questions you may have.

Brokers take a commission from insurance companies, which could increase your rates. You might spend more money than if you had found an insurer yourself.

Direct Writers

Like insurance agents, direct writers only sell insurance products from one company. Direct writers are typically found online and are cheaper because they don’t have physical offices.

Insurance Agents

Insurance agents work for a certain insurer, so they can only offer their employer’s insurance products. However, they know their insurer like the back of their hands and might even give you discounts that brokers don’t have access to.

Additionally, insurance agents can close insurance sales independently, meaning you can purchase insurance from them right then and there. 

Insurance Aggregators

An insurance aggregator website like MyChoice compiles rates from various insurance brokers, companies, and direct writers in one place. You can browse aggregator websites to find the best deals from the top insurance companies and get quotes instantly.

Better yet, insurance aggregators are accessible online and entirely free for customers, so you can look up insurance rates without spending a single penny or leaving the house.

How Does Car Insurance Work in Aurora?

Car insurance in Aurora works by providing financial coverage in case something bad happens to you or your car, depending on the protection you choose. Auto insurance in Aurora is mandatory by local laws, which means you need car insurance to avoid fines or driver’s licence suspensions.

Worse still, if you get convicted of driving without insurance, you’ll get higher premiums from carriers. This makes driving again prohibitively expensive or even nearly impossible after being caught driving without insurance. That’s why getting auto insurance is essential before buying a car or driving in Aurora.

Here’s a breakdown of the key elements of your auto insurance policy:

The mandatory car insurance requirement for Aurora drivers are:

Third-Party Liability (TPL) Coverage 

This insurance component provides financial compensation if you cause an accident that results in car damage or somebody getting hurt or killed. Per Financial Services Commission of Ontario (FSCO) regulations, you need at least $200,000 in TPL coverage.

Statutory Accident Benefits Coverage

This insurance component pays for your medical bills, rehabilitation, and possible funeral expenses if you get hurt or killed in a car accident, regardless of who’s at fault. Accident benefits coverage also offers income replacement worth 70% of your gross income, capped at $400 per week.

Uninsured Automobile Insurance 

Uninsured automobile insurance covers your medical bills and funeral expenses if you’re struck by uninsured vehicles or hit-and-run drivers. Additionally, it compensates for vehicular damage caused by uninsured drivers.

Direct Compensation – Property Damage (DC-PD) Insurance

DC-PD insurance compensates you for the damage other drivers cause in an accident. However, DC-PD only kicks in if the other person is at fault, they’re also insured, and the accident takes place in Aurora. 

Once you meet the minimum car insurance coverage requirements, you can legally drive in Aurora. However, it pays to have extra protection beyond the basics in case you get in an accident.

Since minimum car insurance only goes so far, we’ve got some extra Aurora car insurance recommendations for you:

Extra TPL Coverage

The mandatory $200,000 insurance minimum can be too small, so many drivers choose to get coverage up to $2 million if they cause property damage or hurt somebody in an accident.

Additional Statutory Accident Benefits

Many people get additional coverage for medical bills and funeral expenses in their statutory accident coverage. You can also get extra income replacement protection if 70% income capped at $400 a week seems too limited.

More Comprehensive Property Damage Protection

DC-PD coverage has very specific coverage terms like the other driver also needs to be insured, and the accident must occur in Aurora. To cover their bases, many people purchase extra insurance that still protects them even when the other driver is uninsured, and the accident happens in other provinces.

In addition to mandatory insurance coverage outlined by the FSCO, you can take optional insurance coverage like:

Specified Perils Protection

Specified perils insurance coverage protects you from loss or damage due to a specific cause. The most common perils insured are:

Many insurers also offer comprehensive auto insurance in Aurora if you want protection from all these perils.

Accident Forgiveness

Insurers usually raise your premiums if you’re at fault for causing an accident. If you’ve been a safe driver for several years, you can take extra accident forgiveness coverage so you won’t get higher premiums if you cause an accident. Note that accident forgiveness only works on your first accident, and subsequent violations will still raise your rates.

Limited Depreciation Waiver

If you take a limited waiver of depreciation, you can receive your car’s purchase price as compensation if it’s been stolen or deemed a total loss after an accident. 

How Your Car Insurance Quotes Are Calculated in Aurora

Your car insurance rates are calculated based on how risky you are to insure. Naturally, drivers more likely to get into accidents will have higher premiums than those less likely to be in an accident.

Here are seven factors that influence your Aurora car insurance quotes:

Age, Gender, and Marital Status

Your personal demographics influence auto insurance premiums in Aurora because different people have varying accident risks. 

Younger people tend to get higher premiums because insurance companies see them as more accident-prone than older people. Generally, your car insurance rates start decreasing when you hit 25 years old as long as you keep a safe driving record. However, insurance premiums increase again for people aged 65 and older because they’re more likely to be injured or killed in traffic accidents.

Women often get lower insurance rates because they’re seen as more careful drivers and don’t take as many risks as men.

Marital status also determines your rates because most insurance companies see married people as more financially stable and less-risky drivers. Married couples also tend to bundle home and auto insurance, saving more on premiums.


People who live in urban areas often see higher insurance premiums because they’re more prone to car accidents and theft. 

Car Make and Model

Expensive cars are more costly to repair or replace, so insurance premiums are usually higher than more common vehicles. You can install security features like anti-theft devices if you have an expensive car and want to save on insurance premiums.

Driving History

People who drive safely are rewarded with lower premiums because they’re usually less likely to get into a traffic accident. Conversely, people who have gotten into multiple accidents get higher premiums because they’re more likely to be involved in another accident down the line.

Driving Activity

Logic dictates that people who drive frequently are more likely to get in an accident. Therefore, kilometres driven is one of the determining factors that set your Aurora auto insurance rates.

Insurance Coverage Chosen

Your coverage options influence your insurance rates because taking more coverage gives you more protection. Naturally, the more coverage you choose, the higher your rates.

Policy Discounts

Getting discounts can lower your auto insurance rates and make them more affordable. You can typically get discounts by bundling home and auto insurance or asking for a group discount for your workplace or organization.

Most Expensive Postal Codes in Aurora

The average car insurance rate in Aurora, ON is $1,593/year. This rate is about $200 higher compared to Ontario’s provincial average of $1,385/year. 

L4G is Aurora’s only postal code, so it has the highest car insurance premiums by default. Here’s a detailed look:

Postal CodeAverage Annual Car Insurance Premium

Least Expensive Postal Codes in Aurora

Since Aurora only has one postal code, there aren’t any areas where auto insurance rates are below the town average.

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 insurance costAverage 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 rate
Clean driving record$1,593
Insurance cancellation due to non-payment$2,613
Licence suspension for alcohol-related offences$1,909
One accident$3,511
Speeding ticket$2,074

Other Factors That Affect Car Insurance Prices in Aurora

We’ve covered several factors that influence car insurance rates in Aurora. Aside from those, several extra factors play a part in determining your Aurora auto insurance premiums:

Vehicle Model Accident Rates

Some cars are just more accident-prone than others. Even if you have a spotless driving record, owning a car model infamous for having high accident rates will increase your insurance premiums.

Vehicle Age

Naturally, older cars are more expensive to insure because they may not have all the safety features of newer vehicles. If you insist on driving a vintage car everywhere, make sure you can pay the insurance premiums.

Vehicle Repair Costs

The harder it is to repair a car, the more expensive it is to insure. You can expect high insurance premiums on luxury cars and foreign cars that don’t have a large dealership or service centre presence in Canada.

Vehicle Primary Usage and Annual Mileage

You may spend more or less time on the road depending on what you use the car for. Car usage influences insurance rates – generally, the more you use it, the higher your premiums. For instance, insurance premiums on a car you use as an Uber will be higher than on a car you almost exclusively take on weekend cruises.

A good way to measure how much somebody uses a car is by its annual mileage. If your car has low annual mileage, insurers may determine that this car is low-risk and thus grant you more affordable insurance rates.

Local Crime Rates

Living in high-crime areas means your car is at higher risk of being stolen or vandalized. If you live in an area where theft or vandalism often occurs, you may get higher car insurance rates.

Past Insurance Claims

Any auto insurance claims will drive your premiums up, regardless of who’s at fault. If you make many insurance claims, the insurer will see you as a high-risk policyholder and give you higher rates.

Loyalty Bonuses

Many insurance companies reward long-term customers with discounted rates. If you’ve been a policyholder at the same insurance company for several years, ask for a rate reduction or discount when you renew your policy.

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

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

Is ridesharing insurance available in Aurora?

Yes, ridesharing insurance is available in Aurora. If you’re interested in getting this type of policy, ask your insurance company if they have ridesharing insurance and what your premiums may cost.

How much does Aurora car insurance cost?

Aurora car insurance costs $1,593/year or approximately $133/month on average.

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 $1,593/year, while the average cost of car insurance in Toronto is $1,796/year. This makes Aurora car insurance cheaper than Toronto car insurance by $200/year or roughly $17/month.


Sample Size

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


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 40-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 2022 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 2022 Honda Civic.

Age and Homeownership

Profiles from age 18-65 (standard: 40 years) were considered. Depending on age, individuals might rent or own their homes. Age-related regulations may vary across provinces.


MyChoice data science, MyChoice research.


1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, Aurora, Car Insurance Quotes Collected, 2023.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, Aurora, Car Insurance Quotes Collected, 2023.

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

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

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

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

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

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

9. 511 Ontario Traveller Information, Ontario, Aurora.

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