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Milton Car Insurance

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Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$106.58May 21, 2024, 07:11 AMAuto69FemaleL2R6P9
$46.95May 21, 2024, 10:07 AMHome44FemaleL6Y0E8
$24.71May 21, 2024, 12:42 AMTenant25FemaleK8N3P9

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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on May 15, 2024

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

Updated May 15, 2024

Visit author page

3 minute read

Article Contents

Quick Facts About Auto Insurance in Milton

  • Milton car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Milton for a driver with comprehensive/collision coverage and a clean record is around $1,586.
  • Comparing Milton auto insurance quotes with MyChoice can save you up to $1,126 annually

The Best Car Insurance Brokerages in Milton

Auto insurance brokers help you find the best policy by comparing insurers and answering your questions. You can use an insurance broker in Milton to help you in your search for the best policy, contact them if you want to learn more:

BrokerageAddressPhone Number
Billyard Insurance Group – Milton75 Main St E Suite 16, Milton
ON L9T 1N4, Canada
+19052031117
RBC Insurance65 Ontario St S Unit F6, Milton
ON L9T 2T2, Canada
+19058753144
Sterling Insurance Brokers Limited345 Steeles Ave E Suite 301, Milton
ON L9T 3G6, Canada
+19058640057

Most Expensive Postal Codes in Milton

The average annual car insurance rate in Milton is $1,586, around $100 less than Ontario’s annual average of $1,673.

Postal CodeAverage Annual Car Insurance Premium
L9E$1,599

Least Expensive Postal Codes in Milton

Meanwhile, Milton’s L9T area has the lowest average premiums in the city.

Postal CodeAverage Annual Car Insurance Premium
L9T$1,536

Car Insurance Cost in Milton by Age

Age influences your auto insurance premiums because it’s closely related to your accident risk. Younger people get higher rates because they’re usually inexperienced drivers, while older people pay more because they’re more likely to get seriously harmed in an accident.

Here’s a look at how age influences your car insurance premiums:

AgeAverage Annual RatesAverage Savings with MyChoice
18-20$5,662$1,126
21-24$3,235$644
25-34$2,157$429
35-44$1,586$315
45-54$1,301$259
55-64$1,105$220
65+$1,260$251

Car Insurance Cost in Milton by Driving History

Here’s how different traffic offences affect your car insurance rates:

Insurers use your driving history to predict future accident risk. You may get higher rates if you have a history of driving violations. Conversely, you’re likely to get lower rates if you have a clean driving record.

Ontario regulations state that traffic violations and demerits “reset” after two years, but insurance companies may check your driving record for the past 10 years when assessing driving risk.

Here’s how traffic offences can affect your insurance premiums:

Driving ViolationAverage Annual Car Insurance Premium
Clean driving record$1,586
Insurance cancellation due to non-payment$2,601
Licence suspension for alcohol-related offences$1,903
One accident$3,489
Speeding ticket$2,062

Driving in Milton

Milton is the fastest-growing municipality in Canada, with a 56.5% increase in population between 2006 to 2011. 2021 census data recorded 132,979 people living in Milton, but the number is expected to nearly double to 228,000 by 2031. With its fast-growing population, driving in Milton may be more crowded down the line. 

Here are some key facts about driving in Milton today:

  • Major highways in Milton: 401
  • Public transit options: Milton Transit (bus), GO Transit (intercity bus and train)
  • Ridesharing services: Uber, Lyft
  • Parking space providers: The Town of Milton, private lots
  • Top tourist attractions: Hilton Falls Conservation Area, Rattlesnake Point Conservation Area, Crawford Lake Conservation Area, Springridge Farm, Mill Pond, Stonehaven Farm Market
  • Busy intersections: Trafalgar Road and Derry Road
  • Airports: N/A

Main Mode of Commuting in Milton

Most commuters in Milton prefer travelling by car. However, public transit is reasonably popular, with its users making up 3.7% of the city’s commuters. Here’s a closer look at how people commute in Milton:

Main mode of commutingCountsRates
Total – 25% Sample Size39,235100.0
Car, truck or van35,79091.2%
Car, truck or van – as a driver33,03584.2%
Car, truck or van – as a passenger2,7607.0%
Public transit1,4653.7%
Walked9102.3%
Bicycle1200.3%
Other method9552.4%

Commuting Duration in Milton

With its status as a fast-growing town, commute times in Milton can vary. There’s almost an even split between short, medium, and long commute times. A quarter of the town’s commuters spend under 15 minutes getting to work, but there’s another quarter of Milton’s commuters that spend 45 minutes to over an hour commuting. Check the table for a detailed look at the commuting duration in Milton:

Commuting durationCountsRates
Total – 25% Sample Size39,235100.0
Less than 15 minutes9,33523.8%
15 to 29 minutes10,26026.2%
30 to 44 minutes10,84027.6%
45 to 59 minutes4,35011.1%
60 minutes and over4,45511.4%

Driving Conditions in Milton

Snow and rain affect your auto insurance premiums because they impact your driving risk. Here’s a look at driving conditions in Milton:

  • Average daily commute time: 70 minutes round trip
  • Average annual rainfall: 39.79 mm
  • Average annual snowfall: 37.25 mm
  • Rainy days per year: 73 days
  • Rainiest months in Milton: January, December
  • Driest month in Milton: July
  • Snow days per year: 12 days
  • Snowfall months in Milton: November – April

Traffic in Milton

Milton is a fast-growing town, so traffic may get heavier as the years pass. Here’s a look at the current traffic conditions in Milton:

  • Population: 132,979 people live within Milton’s town limits.
  • City area: Milton’s town area spans 363,22 km2.
  • Time spent in traffic annually: The average Milton resident spends 70 minutes in traffic daily, totalling roughly 426 hours per year.
  • Busiest highways: Highway 401, the busiest highway in North America, separates Milton’s north and south sides. This highway sees over 500,000 vehicles pass through daily.

The Most Common Questions About Car Insurance in Milton

How much does Milton car insurance cost?

Car insurance in Milton costs $1,586/year on average.

Is car insurance cheaper in Milton than in Toronto?

Car insurance in Milton is around $450 cheaper than in Toronto.

What information do you need for an auto insurance quote in Milton?

You need to provide basic personal details and car information like its make, model, and production year to get a basic auto insurance quote in Milton. You can get even more accurate rates by providing extra information like your driving record and past traffic violations.

Is car insurance cheaper in Milton than in Brampton?

Yes, car insurance in Milton can be anywhere up to $1,000 cheaper than Brampton, which has some of the highest rates in the country.

How can you get cheaper car insurance in Milton?

Compare car insurance rates in Milton with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.

Sources

1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, Milton, Car Insurance Quotes Collected, 2024.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, Milton, Car Insurance Quotes Collected, 2024.

3. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, Milton, Car Insurance Quotes Collected, 2024.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, Milton, Car Insurance Quotes Collected, 2024.

5. City of Milton Website, Driving & Transit Information. Data Collected, 2024.

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

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

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

9. 511 Ontario Traveller Information, Ontario, Milton.

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