50+ Ratings on Google!

Oshawa Car Insurance

3 minutes can save you hundreds. Enter your postal code below and join thousands of Canadians saving on car insurance.

Secure. No Spam. No Fees.

Why You Can Trust MyChoice

MyChoice serves as an independent intermediary between you, financial institutions and licensed professionals without any additional charge to our users. In the interest of transparency, we disclose that we partner with some of the providers we write about – we also list many financial services without any financial gain. MyChoice does not operate a financial institution or brokerage and to ensure accuracy, our content is reviewed by licensed professionals. Our unique position means that we hold no recurring stake in your policy, ensuring our mission to help Canadians make better financial decisions is free of bias or discrimination. 

How to Compare Car Insurance Quotes with MyChoice

Comparing car insurance quotes with MyChoice is as simple as it gets:

Share Your Car Insurance Needs​

Tell us what you want out of your auto insurance.

Shop for the Best Deals​

Compare auto insurance quotes from the best Canadian insurers.

Secure Your Rates​

Pick the best deal and lock your rates on our site.​

Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$106.45Jun 19, 2024, 04:08 PMAuto59FemaleK6J4P2
$43.02Jun 19, 2024, 05:45 AMHome56FemaleK1G0M5
$24.31Jun 19, 2024, 03:31 PMTenant30FemaleM1H2E4

How MyChoice Works



have compared rates and saved money over the last 24 hours
Leah D
Leah D
July 19, 2023
I was able to get a tenant insurance quote and a car insurance quote for my Jeep on the same day, in the same place, super fast and convenient, less than 10 mins! Would use again and would absolutely recommend
Imaan Pirani
Imaan Pirani
July 13, 2023
Got a great quote for my Camry and to my surprise was able to purchase online... They passed all my information to the companies website automatically and it made the process a breeze!” Highly recommend
David Ifejika
David Ifejika
July 13, 2023
I was shopping around for car insurance and a friend suggested that I try MyChoice to help find the least expensive insurance for my partner and I. It was very reliable, straightforward and user friendly. It made finding new car insurance easy!”
Ty Warner
Ty Warner
July 12, 2023
I was able to bundle my home and auto insurance with My Choice. Getting a quote for both was pretty quick, once I had done my auto portion I had the option to easily check my home insurance too so that was ideal!
John Doyle
John Doyle
July 7, 2023
Recently closed on a place in Markham and was able to get a great home insurance quote in minutes with MyChoice. Purchased online through square one right on closing day!
Tim Borgstädt
Tim Borgstädt
July 4, 2023
I don’t always shop around when it comes to my insurance but I’m glad I did this time, My Choice had a good range of options and I was able to chat to a broker once I found a quote that I liked!
Hao Sheng
Hao Sheng
June 30, 2023
I got a great quote from mychoice. Would definitely recommend everyone to start a quote. I got a much cheaper rate from CAA than my TD
Leo Brasil
Leo Brasil
June 19, 2023
Great experience getting an online quote, quick and easy. All things considered, it looks like I'm going to save around $80 a month on my car insurance!
Mark Whiteley
Mark Whiteley
June 19, 2023
I was shopping around for home/auto insurance because my rates seemed to skyrocket on renewal. MyChoice allowed me to easily search for the most competitive rate, and next thing I know I'm saving $400 a year. Strongly recommend it!
Secure. No Spam. No Fees.
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
W B White Insurance Ltd110 King St E
Oshawa, ON L1H 1B6, Canada
Aaxel Insurance Brokers Ltd.
Durham Branch
104-1050 Simcoe St N
Oshawa, ON L1G 4W5, Canada
Petley-Hare Limited
Insurance Brokers
285 Taunton Rd E
Oshawa, ON L1G 3V2, Canada

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

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

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

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%
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.


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.

Congratulations! You made it to the end!

Now, here is the easy part: complete your quote in under 2 minutes
Secure. No Spam. No Fees.

Discover More About

Getting your car impounded is frustrating and even worse if you don’t know what you’re doing. Click through for a guide to releasing your impounded car in Canada.
Misconceptions about insurance make it harder for drivers to find the best deals. Click through to learn the truth about today’s most common car insurance myths.
The 2024 Alberta Auto Insurance Reform promises to make premiums more affordable by setting rate caps for good drivers. Click through to learn more.

Even More Ways To Save