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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderCity
$111.71Jul 16, 2025, 02:28 PMAuto62FemaleSudbury
$60.44Jul 16, 2025, 06:44 PMHome57FemaleSault Ste. Marie
$29.06Jul 16, 2025, 09:54 AMTenant41FemaleBelleville
$39.93Jul 16, 2025, 07:45 PMLife44MaleNiagara Falls
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Updated on July 2, 2025

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Quick Facts About Auto Insurance in Oshawa

  • Oshawa car insurance is MORE expensive than the Ontario average.
  • The average annual car insurance cost in Oshawa for a driver with comprehensive/collision coverage and a clean record is around $1,974.
  • Comparing Oshawa auto insurance quotes with MyChoice can save you up to $1,127 annually.

How Does Car Insurance Work in Oshawa?

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 Oshawa 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 Oshawa referenced above.

Coverage TypeWhat’s IncludedAverage Annual
Car Insurance Premium
Mandatory– Third-Party Liability
– Accident Benefits
– Uninsured Automobile
$881
Highly
Recommended
– Direct Compensation:
Property Damage
– Collision
– Comprehensive
– OPCF 20
– OPCF 27
– OPCF 44R
– OPCF 39
– OPCF 43
$1,093
Coverage Total:$1,974

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.
$276
Accident BenefitsCovers medical costs, income
replacement, and more for you and
others injured in an accident,
regardless of fault.
$590
Uninsured AutomobileProtects you if you’re hit by an
uninsured or an unidentified driver
and suffer injuries or vehicle damage.
$15
Coverage Total:$881

*The above coverages are mandatory in Oshawa 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.
$485
CollisionCovers your vehicle if you hit another
car or object and you’re found at fault.
$296
ComprehensiveCovers damage to your vehicle from
non-collision events like theft, vandalism,
fire, or weather.
$213
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.
$25
OPCF 27:
Rental Vehicle
Extends your coverage to rented or
borrowed vehicles, protecting you if
damage occurs while you drive them.
$26
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.
$20
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.
$29
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:$1,096

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

Most Expensive Postal Codes in Oshawa

The average rate for auto insurance in Oshawa is $1,974, higher than the Ontario provincial average of $1,874. 

The postal codes with the highest rates are L1J and L1H, which include the neighbourhoods of Lakeview, McLaughlin, Northglenn, Stevenson, Vanier, Central Oshawa, Donevan, Eastdale, Farewell, O’Neill, and Taunton.

Postal CodeAverage Annual
Car Insurance Premium
L1J$2,019
L1H$2,005

Least Expensive Postal Codes in Oshawa

The postal codes with the cheapest auto insurance rates in Oshawa are L1G, L1K, and L1L. These encompass Oshawa Central, Oshawa East, and Oshawa North, respectively. 

Postal codeAverage Annual
Car Insurance Premium
L1G$1,929
L1K$1,945
L1L$1,951

How Oshawa Car Insurance Rates Compare to Nearby Cities

Oshawa’s car insurance rates are competitive within its region. You can see how they compare to some of the neighbouring cities in the table below.

CityAverage Annual
Car Insurance Premium
Oshawa, ON$1,974
Toronto, ON$2,231
Scarborough, ON$2,881
Markham, ON$2,163
Richmond Hill, ON$2,309
Newmarket, ON$2,066

Car Insurance Cost in Oshawa by Age

Due to their inexperience and limited driving history, younger drivers are often charged more for insurance. If you’re a young or new driver and you want to lower your rates, consider taking up a driving course or adding yourself as a secondary driver on your parents’ policy first. 

Likewise, people over the age of 65 can also expect higher rates, as seniors are at an increased risk of sustaining serious injuries in an accident.

Learn how age affects insurance premiums in Oshawa below:

AgeAverage Annual
Car Insurance Premium
Average Savings
with MyChoice
18-20$5,665$1,127
21-24$2,922$581
25-34$2,250$448
35-44$1,974$393
45-54$1,678$334
55-64$1,559$310
65+$1,599$318

Car Insurance Cost in Oshawa by Driving History

Your driving history is another key contributing factor to your insurance rates. People with more traffic violations on their records may be labelled high-risk drivers and are charged more for auto insurance. 

In Ontario, drivers are rated on a 15-point system, where points are added to your driving record when you violate driving laws. When you reach a certain amount of points, you’re classified as high-risk. 

Take a look at how driving offences can affect your insurance premiums in Oshawa:

Driving ViolationAverage Annual
Car Insurance Premium
Clean driving record$1,974
Insurance cancellation
due to non-payment
$2,744
Licence suspension for
alcohol-related offences
$2,073
One at-fault accident$3,869
Minor speeding ticket$2,389

Car Insurance Cost in Oshawa by Vehicle Model

Below is a breakdown of the estimated insurance costs for various car models in Oshawa. 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$1,811
Tesla$1,939
BMW$2,298
Hyundai$1,991
Infiniti$1,928
Volkswagen$1,816
Subaru$2,035
Audi$2,454
Mazda$1,841
Porsche$2,000

The Best Car Insurance Brokerages in Oshawa

Auto insurance brokerages bridge the gap between drivers and insurance companies, making the search for the best premiums much easier. 

Check out several brokerages you can visit in Oshawa, Ontario below: 

BrokerageAddressPhone number
McDougall Insurance &
Financial – Oshawa
172 King St E Suite #300
Oshawa, ON L1H 1B7, Canada
+19055791317
W B White Insurance Ltd110 King St E
Oshawa, ON L1H 1B6, Canada
+19055766400
Aaxel Insurance Brokers Ltd.
Durham Branch
104-1050 Simcoe St N
Oshawa, ON L1G 4W5, Canada
+12892744807
Petley-Hare Limited
Insurance Brokers
285 Taunton Rd E
Oshawa, ON L1G 3V2, Canada
+19054334200

Driving in Oshawa

Driving and cars, in general, are a big part of Oshawa’s identity, which is nicknamed Canada’s “Motor City”. Home to the Canadian headquarters for General Motors, Oshawa’s economy is driven in large part by auto manufacturing. 

Oshawa is also a commuter town, as many of its residents drive outside of the city for work, particularly in downtown Toronto. In fact, Oshawa has the highest share of residents commuting to the Toronto CMA for work. 

Here are some more fast facts about driving in Oshawa:

  • Major highways: Highway 401, Highway 407, Highway 412, Highway 418 
  • Public transit options: GO Transit (train and bus), Durham Region Transit (bus), TOK Coachline (intercity bus)
  • Ridesharing services: Uber, Lyft
  • Parking space providers: The City of Oshawa
  • Top tourist attractions: Canadian Automotive Museum, Parkwood Estate, Robert McLaughlin Gallery, Ontario Regiment (RCAC) Museum, Oshawa Valley Botanical Garden, McLaughlin Bay Wild Reserve
  • Busy intersections: Stevenson and Gibb, Simcoe and Taunton, Bond and Stevenson, King and Harmony, Ritson and Adelaide
  • Airports: Oshawa Executive Airport

Main Mode of Commuting in Oshawa

Oshawa has a rich car culture, so it stands to reason that 88% of the city’s commuters use cars and other personal vehicles. Aside from the majority, about 6.3% of commuters use public transit, while 3.2% of them walk to work. Check the table below to learn more about the main modes of commuting in Oshawa:

Main mode of commutingCountsRates
Total – 25% sample data56,960100.0
Car, truck or van50,15088.0%
Car, truck or van – as a driver45,37579.7%
Car, truck or van – as a passenger4,7808.4%
Public transit3,5706.3%
Walked1,8153.2%
Bicycle1100.2%
Other method1,3152.3%

Commuting Duration in Oshawa

As a commuter town, Oshawa has relatively high commuting times. Only a quarter of Oshawa’s commuters spend under 15 minutes on the road. Another quarter of them spend over 45 minutes getting to work. Here’s a closer look at the commuting duration in Oshawa: 

Commuting durationCountsRates
Total – 25% sample data56,960100.0
Less than 15 minutes14,95526.3%
15 to 29 minutes17,57530.9%
30 to 44 minutes9,71017.0%
45 to 59 minutes5,99510.5%
60 minutes and over8,71515.3%

Driving Conditions in Oshawa

Oshawa sits on the shoreline of Lake Ontario. Because of this, lake-effect snow storms are common in the city. Snow tires are a must for winter driving. 

Here’s a quick overview of what driving conditions are like in Oshawa:

  • Average daily commute time: 31.8 minutes one way
  • Average annual rainfall: 693 mm
  • Average annual snowfall: 383 mm 
  • Rainy days per year: 158.8 days 
  • Rainiest month in Oshawa: August
  • Driest months in Oshawa: February, November
  • Snow days per year: 51.4 days 
  • Snowfall months in Oshawa: January – April, November – December

Traffic in Oshawa

With so many Oshawa residents commuting in and out daily, heavy rush-hour traffic is a common complaint in the city. Another issue for drivers is the city’s various one-way streets, which include the main downtown thoroughfares of King and Bond street. This can be rather confusing for new drivers. 

Check out this information about traffic in Oshawa:

  • Population: About 175,383 people are living in Oshawa right now.
  • City area: Oshawa’s city limits span 145.68 km2
  • Average commute distance: 21.24 km one way
  • Time spent in traffic annually: 
  • Average number of collisions:

The Most Common Questions About Car Insurance in Oshawa

How much does Oshawa car insurance cost?

On average, Oshawa car insurance costs about $1,974 a year.

Is car insurance cheaper in Oshawa than in Toronto?

Car insurance is cheaper in Oshawa than in Toronto. The average rate of auto insurance in Oshawa is $1,974, while in Toronto, it is $2,231.

Why should you compare car insurance rates in Oshawa?

You should compare auto insurance rates in Oshawa because rates vary from insurer to insurer and they change constantly.

How you can get cheaper car insurance in Oshawa?

Compare car insurance rates in Belleville 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, Oshawa, Car Insurance Quotes Collected, 2025.

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

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

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

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

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

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

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

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

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

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

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

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