When purchasing car insurance in Burlington, it’s important to keep in mind the regular use of the QEW, Highways 403 and 407, the lakeshore traffic and the potential for changing weather in the winter near the Niagara Escarpment.
Here you will be able to compare the city premium in Burlington with that of the rest of Ontario and surrounding communities, learn what affects the rate based on postal code, age and driving history, and learn how your estimated premium breaks down into the various types of coverage. You’ll also find statistics on accidents in the area, along with area brokerages and common questions about buying a policy.
The Burlington rates on this page were gathered from MyChoice quotes in the first half of 2026.
Quick Guide to Burlington Car Insurance Costs
Our data shows that Burlington drivers are quoted a median of $2,307 annually for auto insurance ($192 a month). This is 1.6% lower than the Ontario median.
| Median annual premium | $2,307 |
| Median monthly premium | $192 |
| Burlington premium vs. Ontario Median | 1.6% less expensive |
| Cheapest Postal Code | L7S ($2,185) |
| Most Expensive Postal Code | L7M ($2,448) |
Burlington Car Insurance Rates by Postal Code Area
L7M has Burlington’s highest median premium at $2,448 in this study and L7S has the lowest at $2,185 ($263 difference). The accident-record information later on this page has the opposite order for these two areas. A helpful reminder is that local accident history is only one element of pricing and should not be considered the only reason one postal area is higher priced than another.
| Postal Code | Median Annual Car Insurance Premium |
|---|---|
| L7M | $2,448 |
| L7N | $2,409 |
| L7T | $2,358 |
| L7R | $2,339 |
| L7P | $2,272 |
| L7L | $2,210 |
| L7S | $2,185 |
Accident Rates by Postal Code in Burlington
There is a difference in accident rate across different areas of Burlington, and where you live is one of the primary factors insurers consider when quoting premiums. The following chart displays the percentage of insureds who have had an accident in each of Burlington’s postal codes based on more than 50,000 quotes analyzed by MyChoice.
Source: MyChoice Quote Database
Overall, 14.1% of Burlington drivers have an accident on their record. This percentage varies by area, ranging from 8.4% in some parts of town to 17.4% in other parts of town.
Read More: Burlington’s Place in Ontario’s Driving-Risk Rankings
Areas with the highest accident rates:
- L7S — Maple: 17.4% of drivers have an accident on record
- L7P — Brant Hills / Tyandaga: 17.2%
- L7T — Aldershot: 16.0%
- L7R — Downtown / Plains: 13.6%
- L7N — Roseland / Dynes: 13.5%
Areas with the lowest accident rates:
- L7M — Alton Village / Millcroft: 8.4%
- L7L — Shoreacres / Pinedale: 12.8%
Drivers in Maple (L7S) are 2x+ more likely to have an accident on their record than drivers in Alton Village / Millcroft (L7M), a gap that represents hundreds of dollars in premium difference.
QEW Congestion and Escarpment Weather in Burlington
For Burlington drivers, traffic along the QEW is usually backed up. Interchanges are often crowded, and winter driving is different near the lake than it is on the Escarpment. If there is an incident along the major highway corridor, the congestion moves to the side roads. Plan your alternate routes, leave yourself room to merge and expect the winter roads to be slick, especially on the higher ground.
Read More: See Where Burlington Ranks for Road Rage in Ontario
Car Insurance Costs Around Burlington
Burlington has a $2,307 median in this comparison, which is close to Brantford ($2,339) and Oakville ($2,390), but is $262 more than Hamilton and $1,376 less than Mississauga.
Neighboring city rates differ enough that if you move anywhere in the western GTA or Hamilton region, your benchmark will likely shift. Drivers who relocate should provide their new address and estimated travel time when soliciting quotes.
| City | Median Annual Car Insurance Premium | Difference from Burlington Premium |
|---|---|---|
| Burlington, ON | $2,307 | — |
| Oakville, ON | $2,390 | +3.6% |
| Hamilton, ON | $2,045 | -11.4% |
| Milton, ON | $2,484 | +7.7% |
| Mississauga, ON | $3,683 | +59.6% |
| Brantford, ON | $2,339 | +1.4% |
Breaking Down a Burlington Auto Insurance Premium
Burlington’s vehicle damage protection is the most expensive premium of all at $1,095.53.
Collisions, comprehensive coverage and their deductibles are vital comparison areas because making changes might reduce costs but end up costing the insured more money in the event of damage or loss. The $995.00 assigned for mandatory coverage is not as adjustable, whereas optional coverages and endorsements should be evaluated based on the coverage they offer, not just cost.
| Part of the policy | What is included | Median Annual Car Insurance Premium |
|---|---|---|
| Legally required coverage | Third-Party Liability; mandatory medical, rehabilitation and attendant care; Uninsured Automobile | $995.00 |
| Vehicle damage protection | DCPD; Collision; Comprehensive | $1,095.53 |
| Optional Accident Benefits | Selected optional benefits shown below | $204.65 |
| Optional endorsements | OPCF 44R – Family Protection | $11.83 |
| Coverage Total: | $2,307 |
With Ontario’s July 1, 2026 changes to auto insurance, many Accident Benefits became optional. To learn more about the reform, click here.
Burlington Auto Insurance Rates by Age Group
Young drivers pay significantly more in Burlington. The median rate is $4,455 for drivers ages 18-20, nearly double the $2,307 paid by those 35-44. At ages 25-34, the median rate has already declined to $2,447.
| Age | Median Annual Car Insurance Premium |
|---|---|
| 18-20 | $4,455 |
| 21-24 | $3,132 |
| 25-34 | $2,447 |
| 35-44 | $2,307 |
| 45-54 | $1,982 |
| 55-64 | $1,674 |
| 65+ | $1,641 |
Car Insurance in Burlington: Clean Record vs. Violations
Burlington found that a minor speeding ticket raises the median from $2,307 to $3,150, while a single at-fault accident brings it to $2,820.
Note that the values shown are the median premiums for each driving record category, n
| Driving record | Median Annual Car Insurance Premium |
|---|---|
| Clean | $2,307 |
| Minor speeding ticket | $3,150 |
| One at-fault accident | $2,820 |
| Insurance cancellation (non-payment) | $4,087 |
| Licence suspension | $4,520 |
| Impaired driving conviction | $5,950 |
| Stunt driving conviction | $3,885 |
Are Car Insurance Rates Lower in Burlington Than in the Rest of the GTA?
Correct, Burlington has a lower price point than most other GTA markets in our database. The median premium for this region is $2,307. That’s less than Oakville at $2,390, Milton at $2,484, and Mississauga at $3,683.
But that doesn’t mean all drivers in Burlington will see their insurance bills go down as a matter of course. Your car and record can more than offset the difference between cities, but Burlington gets a bit of a leg-up relative to other places nearby.
