Quote data from MyChoice.ca, March 2025
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:
| Brokerage | Address | Phone Number |
|---|---|---|
| Billyard Insurance Group – Milton | 75 Main St E Suite 16, Milton ON L9T 1N4, Canada | +19052031117 |
| RBC Insurance | 65 Ontario St S Unit F6, Milton ON L9T 2T2, Canada | +19058753144 |
| Sterling Insurance Brokers Limited | 345 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 $1,630, around $103 less than Ontario’s annual average of $1,720.
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| L9E | $1,644 |
Quote data from MyChoice.ca, March 2025
Least Expensive Postal Codes in Milton
Meanwhile, Milton’s L9T area has the lowest average premiums in the city.
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| L9T | $1,579 |
Quote data from MyChoice.ca, March 2025
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:
| Age | Average Annual Rates | Average Savings with MyChoice |
|---|---|---|
| 18-20 | $5,820 | $1,157 |
| 21-24 | $3,325 | $662 |
| 25-34 | $2,217 | $441 |
| 35-44 | $1,630 | $324 |
| 45-54 | $1,337 | $266 |
| 55-64 | $1,136 | $226 |
| 65+ | $1,295 | $258 |
Quote data from MyChoice.ca, March 2025
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 Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,630 |
| Insurance cancellation due to non-payment | $2,673 |
| Licence suspension for alcohol-related offences | $1,956 |
| One accident | $3,586 |
| Speeding ticket | $2,119 |
Quote data from MyChoice.ca, March 2025
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 commuting | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 39,235 | 100.0 |
| Car, truck or van | 35,790 | 91.2% |
| Car, truck or van – as a driver | 33,035 | 84.2% |
| Car, truck or van – as a passenger | 2,760 | 7.0% |
| Public transit | 1,465 | 3.7% |
| Walked | 910 | 2.3% |
| Bicycle | 120 | 0.3% |
| Other method | 955 | 2.4% |
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 duration | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 39,235 | 100.0 |
| Less than 15 minutes | 9,335 | 23.8% |
| 15 to 29 minutes | 10,260 | 26.2% |
| 30 to 44 minutes | 10,840 | 27.6% |
| 45 to 59 minutes | 4,350 | 11.1% |
| 60 minutes and over | 4,455 | 11.4% |
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.