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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

4 minute read

Article Contents

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 $1,715.
  • Comparing Oshawa auto insurance quotes with MyChoice can save you up to $1,218 annually.

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

Most Expensive Postal Codes in Oshawa

The average rate for auto insurance in Oshawa is $1,715, higher than the Ontario provincial average of $1,673. 

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$1,753
L1H$1,749

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$1,686
L1K$1,685
L1L$1,675

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 RatesAverage Savings with MyChoice
18-20$6,123$1,218
21-24$3,499$696
25-34$2,332$464
35-44$1,715$341
45-54$1,406$280
55-64$1,195$238
65+$1,363$271

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$1,715
Insurance cancellation due to non-payment$2,813
Licence suspension for alcohol-related offences$2,055
One accident$3,780
Speeding ticket$2,233

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 $1,715 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 $1,715, while in Toronto, it is $2,139.

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.

Sources

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

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

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

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

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

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

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

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

9. 511 Ontario Traveller Information, Ontario, Oshawa.

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