How Does Car Insurance Work in Burlington?
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 Burlington 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 Burlington referenced above.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability – Accident Benefits – Uninsured Automobile | $760 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $944 |
| Coverage Total: | $1,704 |
Mandatory Coverages
| 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 | $238 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault | $509 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage | $13 |
| Coverage Total: | $760 |
*The above coverages are mandatory in Burlington and will always be included in a standard car insurance quote.
Highly Recommended Coverages
| 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. | $418 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $255 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $184 |
| 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. | $21 |
| OPCF 27: Rental Vehicle | Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them. | $22 |
| 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. | $17 |
| 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. | $25 |
| 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: | $944 |
*Any of the above highly recommended coverages in Burlington may be removed from your quote, but we strongly recommend keeping them to have adequate protection.
Most Expensive Postal Codes in Burlington
Burlington’s annual average car insurance premium is $1,704, roughly $150 less than Ontario’s annual average of $1,874. Here’s a look at some of the most expensive postal codes in the city for insurance:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| L7L | $1,768 |
| L7M | $1,753 |
| L7N | $1,731 |
Least Expensive Postal Codes in Burlington
Meanwhile, the L7R region, which includes Southeast Burlington, has the lowest auto insurance premiums in the city.
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| L7R | $1,640 |
| L7S | $1,653 |
| L7T | $1,678 |
How Burlington Car Insurance Rates Compare to Nearby Cities
Burlington’s car insurance rates are some of the highest in the region. You can see how they compare to some of the neighbouring cities in the table below.
| City | Average Annual Car Insurance Premium |
|---|---|
| Burlington, ON | $1,704 |
| Oakville, ON | $1,809 |
| Hamilton, ON | $1,735 |
| Milton, ON | $1,824 |
| Mississauga, ON | $2,258 |
| Guelph, ON | $1,729 |
Car Insurance Cost in Burlington by Age
Car insurance rates in Canada, and by extension Burlington, fluctuate based on your age and driving experience.
Teens generally pay more because they don’t have enough road experience, but their rates will lower with age. When you hit 65, car insurance premiums will rise again because senior citizens have a higher risk of getting hurt in car accidents.
Here’s a look at how age influences car insurance costs in Burlington:
| Age | Average Annual Car Insurance Premium | Average Savings with MyChoice |
|---|---|---|
| 18-20 | $4,890 | $973 |
| 21-24 | $2,522 | $502 |
| 25-34 | $1,943 | $386 |
| 35-44 | $1,704 | $339 |
| 45-54 | $1,448 | $288 |
| 55-64 | $1,346 | $268 |
| 65+ | $1,380 | $275 |
Car Insurance Cost in Burlington by Driving History
Your driving history impacts auto insurance premiums in Burlington because insurers use it to determine your rates. Safe drivers get lower premiums, while high-risk drivers get higher rates. Traffic violations and demerit points in Ontario stay on your driving record for two years, but insurers can examine your driving record as far as 10 years back.
Here’s a look at how different violations impact your car insurance rates:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,704 |
| Insurance cancellation due to non-payment | $2,369 |
| Licence suspension for alcohol-related offences | $1,789 |
| One at-fault accident | $3,340 |
| Minor speeding ticket | $2,062 |
Car Insurance Cost in Burlington by Vehicle Model
Below is a breakdown of the estimated insurance costs for various car models in Burlington. This should give you an idea of what you can expect to pay for car insurance based on the vehicle model you drive.
| Car Model | Average Annual Car Insurance Premium |
|---|---|
| Volkswagen | $1,568 |
| Honda | $1,564 |
| Mercedes | $1,688 |
| Toyota | $1,794 |
| Tesla | $1,674 |
| Hyundai | $1,719 |
| Audi | $2,118 |
| BMW | $1,983 |
| Mazda | $1,589 |
| Subaru | $1,479 |
The Best Car Insurance Brokerages in Burlington
Car insurance brokers help you find the best auto insurance deals with their expertise. They can compare deals from multiple insurers and answer your questions so you can make informed decisions.
Check the table below for a list of Burlington auto insurance brokerages to visit:
| Brokerage | Address | Phone Number |
|---|---|---|
| Westland Insurance | 35 Main St N Suite 21, Waterdown ON L0R 2H0, Canada | +19056907677 |
| New Street Insurance Broker | 830 Harrington Ct #1b, Burlington ON L7N 3N4, Canada | +16476893711 |
| All-Risks Insurance Brokers Limited | 3332 Mainway, Burlington ON L7M 1A7, Canada | +19056322100 |
| Youngs Insurance Brokers Burlington | 444 Plains Rd E, Burlington ON L7T 2E1, Canada | +19053356925 |
Driving in Burlington
Located along Lake Ontario, Burlington is popular with visitors and would-be residents alike for its natural beauty and great infrastructure. Moreover, its proximity to Toronto and the United States border ensures it has a growing economy.
Here are some key facts about Burlington you should know:
- Major highways in Burlington: Queen Elizabeth Way, 403, 407
- Public transit options: Burlington Transit (bus)
- Ridesharing services: Uber, Lyft
- Parking space providers: The City of Burlington, private lots
- Top tourist attractions: The Royal Botanical Gardens, Burlington Waterfront Trail, Spencer Smith Park, Mount Nemo Conservation Area, Mapleview Shopping Centre
- Busy intersections: Dundas and Upper Middle, Harvester and Fairview, Fairview and North Service
- Airports: Burlington Executive Airport
Main Mode of Commuting in Burlington
Most of Burlington’s 56,000 commuters travel by car, truck, or van to work. Out of the nearly 50,000 car commuters, 45,000 drive while just a little over 4,000 ride as passengers. Public transit users and pedestrian commuters are neck-to-neck for second place with 2,415 and 2,145 commuters, respectively. Check the table below to learn more about how people commute in Burlington.
| Main mode of commuting | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 56,180 | 100.0 |
| Car, truck or van | 49,885 | 88.8% |
| Car, truck or van – as a driver | 45,675 | 81.3% |
| Car, truck or van – as a passenger | 4,215 | 7.5% |
| Public transit | 2,415 | 4.3% |
| Walked | 2,145 | 3.8% |
| Bicycle | 395 | 0.7% |
| Other method | 1,330 | 2.4% |
Commuting Duration in Burlington
One-third of Burlington’s commuters take less than 15 minutes to get to work, while another third spends 15 to 29 minutes on the road. The final third of Burlington’s commuters take over 30 minutes to complete their commute. Here’s a closer look at the commuting duration in Burlington:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 56,180 | 100.0 |
| Less than 15 minutes | 18,265 | 32.5% |
| 15 to 29 minutes | 19,215 | 34.2% |
| 30 to 44 minutes | 10,040 | 17.9% |
| 45 to 59 minutes | 4,455 | 7.9% |
| 60 minutes and over | 4,205 | 7.5% |
Driving Conditions in Burlington
Driving conditions like rain and snow may influence insurance premiums because they affect the overall accident risk. Here’s a look at Burlington’s driving conditions:
- Average daily commute time: 56 minutes round trip
- Average annual rainfall: 901 mm
- Average annual snowfall: 39 mm
- Rainy days per year: 44
- Rainiest month in Burlington: April
- Driest month in Burlington: September
- Snow days per year: 58
- Snowfall months in Burlington: January – May, November – December
Traffic in Burlington
With over 180,000 residents, Burlington is a small city compared to Toronto’s 2.7 million. Traffic in Burlington won’t be as heavy as in Toronto, but it’s still a good idea to learn about traffic in the city to regulate your accident risk.
Here’s a quick look at the key traffic statistics in Burlington:
- Population: 183,314 people live within Burlington’s city limits.
- City area: Burlington’s city area spans 185.66 km2.
- Average commute distance: The average Burlington resident travels x km to their workplace or school.
- Time spent in traffic annually: Most Burlington residents spend 56 minutes in traffic daily, totalling roughly 340 hours per year.
- Busiest highways: The Queen Elizabeth Way is one of the main transportation corridors for Burlington, moving an average of 200,000 vehicles per day.
The Most Common Questions About Car Insurance in Burlington
How much is car insurance in Burlington?
The average car insurance rate in Burlington is $1,704 annually.
Who has the cheapest auto insurance in Burlington?
The cheapest auto insurance provider generally depends on your protection needs, risk profile, and budget.
What information do you need for an auto insurance quote in Burlington?
You need to provide basic information (including your personal details, car make, model, and production year), to get an auto insurance quote in Burlington. Your auto insurance quote may be more accurate if you provide additional details like your driving history.
How can you get cheaper auto insurance in Burlington?
Compare car insurance rates in Burlington with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.