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Affordable Car Insurance in Milton from $120/month

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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderCity
$70.56Jul 03, 2025, 01:22 AMAuto55MaleLondon
$57.88Jul 03, 2025, 04:10 PMHome69FemaleBrantford
$18.77Jul 03, 2025, 11:09 PMTenant31FemaleOttawa
$31.95Jul 03, 2025, 07:18 AMLife27MaleLondon
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Updated on July 2, 2025

5 minute read

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 $1,824.
  • Comparing Milton auto insurance quotes with MyChoice can save you up to $1,041 annually

How Does Car Insurance Work in Milton?

Car insurance is mandatory in Ontario, but it’s important to understand the factors that influence your insurance premium and the types of coverage you should consider.

Below is a breakdown of what’s included in your car insurance package in Milton when you get a quote with MyChoice, categorized by mandatory and highly recommended coverages. Together, the mandatory and recommended coverage premiums reflect the average car insurance cost in Milton referenced above.

Coverage TypeWhat’s IncludedAverage Annual
Car Insurance Premium
Mandatory– Third-Party Liability
– Accident Benefits
– Uninsured Automobile
$814
Highly
Recommended
– Direct Compensation:
Property Damage
– Collision
– Comprehensive
– OPCF 20
– OPCF 27
– OPCF 44R
– OPCF 39
– OPCF 43
$1,010
Coverage Total:$1,824

Mandatory Coverages:

Coverage TypeCoverage DetailsAverage Annual
Car Insurance Premium
Third-Party LiabilityProtects you if you injure someone
or damage property while driving,
and covers legal costs if you’re sued.
$255
Accident BenefitsCovers medical costs, income
replacement, and more for you and
others injured in an accident,
regardless of fault.
$545
Uninsured AutomobileProtects you if you’re hit by an
uninsured or an unidentified driver
and suffer injuries or vehicle damage.
$14
Coverage Total:$814

*The above coverages are mandatory in Milton and will always be included in a standard car insurance quote.

Highly Recommended Coverages:

Coverage TypeCoverage DetailsAverage Annual
Car Insurance Premium
Direct Compensation:
Property Damage
Covers damage to your own vehicle
if you’re not at fault in an accident
with another insured driver in Ontario.
$448
CollisionCovers your vehicle if you hit another
car or object and you’re found at fault.
$273
ComprehensiveCovers damage to your vehicle from
non-collision events like theft, vandalism,
fire, or weather.
$196
OPCF 20:
Loss of Use
Pays for rental or other transportation
if your car is out of service after an
at-fault accident or comprehensive claim.
$23
OPCF 27:
Rental Vehicle
Extends your coverage to rented or
borrowed vehicles, protecting you if
damage occurs while you drive them.
$24
OPCF 44R:
Family Protection
Covers you and your family if you’re
hit by an uninsured, underinsured, or
hit-and-run driver and their coverage
isn’t enough.
$18
OPCF 39:
Accident Forgiveness
Prevents your insurance premiums from
increasing after your first at-fault
accident, as long as you stay with
the same insurer.
$26
OPCF 43:
Waiver of Depreciacion
Ensures you get the full purchase price
back—not a depreciated value—if your
new vehicle is written off.
$2
Coverage Total:$1,010

*Any of the above highly recommended coverages in Milton may be removed from your quote, but we strongly recommend keeping them to have adequate protection.

Most Expensive Postal Codes in Milton

The average annual car insurance rate in Milton is $1,824, around $50 less than Ontario’s annual average of $1,874.

Postal CodeAverage Annual
Car Insurance Premium
L9E$1,860

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$1,787

How Milton Car Insurance Rates Compare to Nearby Cities

Milton’s car insurance rates are higher than those of many smaller surrounding communities but below GTA city averages. You can see how they compare to some of the neighbouring cities in the table below.

CityAverage Annual
Car Insurance Premium
Milton, ON$1,824
Mississauga, ON$2,258
Oakville, ON$1,809
Burlington, ON$1,704
Hamilton, ON$1,735
Guelph, ON$1,729

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
Car Insurance Premium
Average Savings
with MyChoice
18–20$5,235$1,041
21–24$2,700$537
25–34$2,079$414
35–44$1,824$363
45–54$1,550$308
55–64$1,441$287
65+$1,477$294

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$1,824
Insurance cancellation
due to non-payment
$2,535
Licence suspension for
alcohol-related offences
$1,915
One at-fault accident$3,575
Minor speeding ticket$2,207

Car Insurance Cost in Milton by Vehicle Model

Below is a breakdown of the estimated insurance costs for various car models in Milton. This should give you an idea of what you can expect to pay for car insurance based on the vehicle model you drive.

Car ModelAverage Annual
Car Insurance Premium
Honda$1,674
Tesla$1,791
Toyota$1,920
Hyundai$1,840
BMW$2,123
Audi$2,268
Mazda$1,701
Volkswagen$1,678
Mercedes$1,807
Nissan$1,848

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

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 $1,824/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.

Methodology

Sample Size

We analyzed over 50,000 auto insurance quotes across Canada.

Profiles

Average rates were calculated using a standard profile and incident profiles. All personal details pertaining to the quotes and policies have been kept confidential.

Standard Profile

Single driver, one car, currently insured, and a pristine driving record. Our base profile is a 35-year-old individual (both male and female) with a spotless driving record.

Incident Profiles

We examined how rates change by evaluating profiles with a clean record (standard), one at-fault accident, a single speeding ticket, license suspension for alcohol related offenses and insurance cancellation due to non-payment.

Vehicle Details

These individuals own a 2018 Honda Civic, commute five days a week, and cover a distance of 15,000 kilometres annually.

Vehicle Models

Costs were also analyzed for different vehicles: Mazda CX-5, Ford Escape, Toyota Corolla, Honda Accord, Chevrolet Equinox, and the base 2018 Honda Civic.

Age and Homeownership

Profiles from age 18-65 (standard: 35 years) were considered. Depending on age, individuals might rent or own their homes. Age-related regulations may vary across provinces.

Team

MyChoice data science, MyChoice research.

Sources

1. Mychoice.ca Internal Data, How Car Insurance Works, Ontario, Milton, Car Insurance Quotes Collected, 2025.

2. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, Milton, Car Insurance Quotes Collected, 2025.

3. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, Milton, Car Insurance Quotes Collected, 2025.

4. Mychoice.ca Internal Data, Car Insurance Rates in Nearby Cities, Ontario, Milton, Car Insurance Quotes Collected, 2025.

5. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, Milton, Car Insurance Quotes Collected, 2025.

6. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, Milton, Car Insurance Quotes Collected, 2025.

7. Mychoice.ca Internal Data, Rate Cost By Vehicle Model, Ontario, Milton, Car Insurance Quotes Collected, 2025.

8. City of Milton Website, Driving & Transit Information. Data Collected in 2025.

9. Statistics Canada, 2021, Census of Population, Ontario, Milton, Main Mode of Commuting. Data Collected in 2025.

10. Statistics Canada, 2021, Census of Population, Ontario, Milton, Commuting Duration. Data Collected in 2025.

11. Weather Network Canada, Historical Averages, Ontario, Milton. Data Collected in 2025.

12. 511 Ontario Traveller Information, Ontario, Milton. Data Collected in 2025.

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