How Can You Get Cheap Car Insurance in Burlington ?
You can get cheap Burlington car insurance by finding the best deals. Here are several tips to help you do so:
How Does Car Insurance Work in Burlington?
Car insurance in Burlington works by providing financial coverage in case something bad happens to you or your car, depending on the protection you choose. Auto insurance in Burlington 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 Burlington.
Here’s a breakdown of the key elements of your auto insurance policy:
How Your Car Insurance Quotes Are Calculated in Burlington
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 Burlington car insurance quotes:
Most Expensive Postal Codes in Burlington
Burlington’s annual average car insurance premium is $1,432, roughly $50 more than Ontario’s annual average of $1,385. However, drivers in the L7L area, which includes Northeast Burlington, pay the highest auto insurance premiums in the city.
Here’s a detailed look:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| L7L | $1,441 |
| L7M | $1,436 |
| L7N | $1,433 |
Least Expensive Postal Codes in Burlington
Meanwhile, the L7R region, which includes Southeast Burlington, has the lowest auto insurance premiums in the city.
Check the details below:
| Postal Code | Average annual car insurance premium |
|---|---|
| L7R | $1,422 |
| L7S | $1,427 |
| L7T | $1,429 |
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 Group | Average annual insurance cost | Average savings with MyChoice |
|---|---|---|
| 18-20 | $5,112 | $1,017 |
| 21-24 | $2,921 | $581 |
| 25-34 | $1,948 | $387 |
| 35-44 | $1,432 | $285 |
| 45-54 | $1,174 | $234 |
| 55-64 | $998 | $199 |
| 65+ | $1,138 | $226 |
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 rate |
|---|---|
| Clean driving record | $1,432 |
| Insurance cancellation due to non-payment | $2,348 |
| Licence suspension for alcohol-related offences | $1,716 |
| One accident | $3,156 |
| Speeding ticket | $1,864 |
Other Factors That Affect Car Insurance Prices in Burlington
We’ve covered several factors that influence car insurance rates in Burlington. Aside from those, several extra factors play a part in determining your Burlington auto insurance premiums:
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.
Who Provides Car Insurance Quotes in Burlington?
Insurance brokers, agents, aggregators, and direct writers provide car insurance quotes in Burlington. Here’s an overview of these four insurance quote providers:
The Most Common Questions About Car Insurance in Burlington
How much is car insurance in Burlington?
The average car insurance rate in Burlington is $1,432 annually or roughly $119 monthly.
What are the best car insurance companies in Burlington?
The best car insurance company in Burlington heavily depends on your protection needs and budget. Compare insurers with MyChoice and see which insurance company is the best for you.
Who has the cheapest auto insurance in Burlington?
The cheapest auto insurance provider generally depends on your protection needs, risk profile, and budget.
Is car insurance cheaper in Burlington than Hamilton?
At $1,432/year, Burlington’s average annual car insurance is roughly $13 more expensive than Hamilton’s $1419/year.
Is car insurance cheaper in Burlington than Oakville?
Burlington’s average annual car insurance rate is $1,432, just $1 cheaper than Oakville’s $1,433 average annual rate.
Which cars get the lowest car insurance premiums in Burlington?
MyChoice research shows that Fiats have the lowest car insurance premiums in Burlington at $126/month.
Why should you compare car insurance rates in Burlington?
You should compare car insurance rates in Burlington to see whether your first choice provides you with the best-valued deal and find the best offer among all your insurer options.
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.