Getting car insurance in Burlington means accounting for regular travel on the QEW, Highways 403 and 407, busy lakeshore activity, and winter conditions that can change near the Niagara Escarpment.
This page helps Burlington drivers compare the city’s premium with Ontario and nearby communities, understand differences by postal area, age, and driving record, and review how the quoted premium is divided among types of coverage. It also brings together local accident information, area brokerages and practical questions about shopping for a policy.
The Burlington rates on this page are based on quotes collected through MyChoice during the first six months of 2026.
Quick Guide to Burlington Car Insurance Costs
Based on our internal data, Burlington’s median annual auto insurance quote is $2,307, or $192 a month. That is 1.6% below 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 in this analysis at $2,448, while L7S has the lowest at $2,185, a difference of $263. The accident-record information later on this page shows the opposite pattern for these two areas. This is a useful reminder that local accident history is only one part of pricing and should not be treated as the sole reason one postal area costs more than another.
| Postal Code | Median Annual Car Insurance Premium |
|---|---|
| L7M | $2,448 |
| L7N | $2,409 |
| L7T | $2,358 |
| L7R | $2,339 |
| L7P | $2,272 |
| K8N | $2,256 |
| L7L | $2,210 |
| L7S | $2,185 |
Accident Rates by Postal Code in Burlington
Not all parts of Burlington have the same accident risk, and your postal code is one of the main factors insurers use to set your premium. The map below shows the percentage of drivers who have been in an accident across Burlington’s postal codes, based on over 50,000 quotes analyzed by MyChoice.
Source: MyChoice Quote Database
On average, 14.1% of Burlington drivers have an accident on their record, but that varies by area, from as low as 8.4% in some areas to 17.4% in others.
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 over 2x more likely to have an accident on their record than drivers in Alton Village / Millcroft (L7M) — a gap that directly translates to hundreds of dollars in premium difference.
QEW Congestion and Escarpment Weather in Burlington
Burlington drivers face recurring QEW congestion, busy interchanges, and weather differences between the lakeshore and the Niagara Escarpment. An incident on a major corridor can quickly shift traffic onto local streets. Planning alternatives, leaving safe merging space, and accounting for winter conditions on higher terrain can reduce stress and collision risk.
Read More: See Where Burlington Ranks for Road Rage in Ontario
Car Insurance Costs Around Burlington
Burlington’s $2,307 median is close to Brantford at $2,339 and Oakville at $2,390, but it is $262 higher than Hamilton and $1,376 lower than Mississauga in this comparison.
The spread across neighbouring cities shows why a move within the western GTA or Hamilton area can change the local benchmark. Drivers who relocate should use their new address and expected commute when requesting 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
Vehicle damage protection is the largest part of this Burlington premium at $1,095.53.
Collision, comprehensive coverage and their deductibles are important comparison points because changing them may lower the price but can leave the driver paying more after damage or loss. The $995.00 assigned to legally required protection is less flexible, while optional benefits and endorsements should be judged by the protection they provide rather than by price alone.
| 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 |
Ontario’s July 1, 2026 auto insurance changes made many Accident Benefits optional. Read more about the reform.
Burlington Auto Insurance Rates by Age Group
Young drivers pay much more in Burlington. The median premium is $4,455 for drivers aged 18–20, almost twice the $2,307 paid by drivers aged 35–44. By ages 25–34, the median has already dropped 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’s data shows that different incidents can affect premiums very differently. A minor speeding ticket raises the median from $2,307 to $3,150, while one at-fault accident brings it to $2,820.
Keep in mind that the figures below are median premiums for each driving-record scenario, 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?
Yes, Burlington is cheaper than many nearby GTA markets in our dataset. Its median premium is $2,307, compared with $2,390 in Oakville, $2,484 in Milton and $3,683 in Mississauga.
However, that does not mean every Burlington driver will automatically pay less for car insurance by default. Your vehicle and driving history can easily outweigh the city-level difference, but Burlington starts from a relatively favourable position compared with several nearby markets.