Scarborough drivers deal with some of Toronto’s busiest roads, including Highway 401 and major routes such as Markham Road, Kennedy Road and Kingston Road. Vehicle theft is another concern in parts of Scarborough, which makes the car you drive and how it is protected especially important when comparing insurance.
This page shows what Scarborough drivers are paying for car insurance, how premiums change by postal code, age, driving record and vehicle, and where most of the cost of a policy goes. To prepare all the premium numbers mentioned below, our team reviewed more than 750 Scarbotough auto insurance quotes collected through MyChoice since January 2026.
Quick Guide to Scarborough Car Insurance Costs
Based on our internal data, Scarborough’s median annual auto insurance quote is $2,920, or $243 a month. That is 24.5% above the Ontario median.
| Median annual premium | $2,920 |
| Median monthly premium | $243 |
| Scarborough premium vs. Ontario Median | 24.5% more expensive |
| Cheapest Postal Code | M1G ($2,742) |
| Most Expensive Postal Code | M1L ($3,203) |
Scarborough Car Insurance Rates by Postal Code Area
There is a meaningful difference between Scarborough postal areas. The median car insurance premium ranges from $2,742 in M1G to $3,203 in M1L, a gap of $461 per year, or about 17%.
| Postal Code | Median Annual Car Insurance Premium |
|---|---|
| M1L | $3,203 |
| M1H | $3,136 |
| M1B | $3,092 |
| M1R | $2,961 |
| M1M | $2,946 |
| M1V | $2,926 |
| M1W | $2,923 |
| M1E | $2,891 |
| M1S | $2,885 |
| M1T | $2,847 |
| M1C | $2,835 |
| M1P | $2,829 |
| M1J | $2,800 |
| M1K | $2,777 |
| M1G | $2,742 |
Accident Rates by Postal Code in Scarborough
Not all parts of Scarborough have the same accident risk, and your postal code is one of the main factors insurers use to set your premium. The map below shows the percentage of drivers who have been in an accident across Scarborough’s postal codes, based on over 50,000 quotes analyzed by MyChoice.
Source: MyChoice Quote Database
On average, 9.4% of Scarborough drivers have an accident on their record, but that varies by area, from as low as 6.8% in some areas to 13.5% in others.
Areas with the highest accident rates:
- M1X — Upper Rouge: 13.5% of drivers have an accident on record
- M1H — Cedarbrae: 11.9%
- M1E — Guildwood / West Hill: 10.4%
- M1S — Agincourt: 10.3%
- M1W — Steeles West / L’Amoreaux: 10.0%
Areas with the lowest accident rates:
- M1T — Tam O’Shanter / Sullivan: 6.8%
- M1R — Wexford / Maryvale: 7.0%
- M1J — Scarborough Village: 7.2%
- M1C — Rouge Hill / Highland Creek: 7.6%
- M1M — Cliffside / Cliffcrest: 8.7%
Drivers in Upper Rouge (M1X) are 2x more likely to have an accident on their record than drivers in Tam O’Shanter (M1T) — a gap that directly translates to hundreds of dollars in premium difference.
Highway Traffic and Busy Arterials in Scarborough
Scarborough drivers deal with Highway 401 congestion, busy multi-lane arterials, transit activity, pedestrians, and frequent construction. Stop-and-go traffic increases rear-end risk, while late lane changes create conflict at intersections and ramps. Maintaining a larger gap and planning turns or exits early can reduce everyday collision exposure.
Vehicle theft is also worth noting. M1V, M1B, and M1P are among the higher-theft postal areas in Scarborough. If you drive a commonly stolen vehicle, ask insurers whether an approved tracker or immobilizer changes the premium before choosing a policy.
Read More: How Auto Insurance Fraud Raises Costs Across the GTA
Car Insurance Costs Around Scarborough
Scarborough’s median car insurance premium is fairly close to other higher-cost GTA markets. Vaughan is only 2% more expensive, Oshawa is 3.3% cheaper, and Markham and Etobicoke are about 4% to 5% higher.
| City | Median Annual Car Insurance Premium | Difference from Scarborough Premium |
|---|---|---|
| Scarborough, ON | $2,920 | — |
| Toronto, ON | $2,456 | -15.9% |
| Markham, ON | $3,046 | +4.3% |
| Oshawa, ON | $2,823 | -3.3% |
| Etobicoke, ON | $3,055 | +4.6% |
| Vaughan, ON | $2,977 | +2.0% |
Breaking Down a Scarborough Auto Insurance Premium
About 46% of Scarborough’s car insurance premium goes toward vehicle damage protection, while roughly 41% goes toward legally required coverage. Optional Accident Benefits account for another 12%, with endorsements making up less than 1%.
For Scarborough drivers, vehicle coverage deserves close attention, particularly if the car has a high theft history. Raising a deductible may save money, but dropping comprehensive coverage on a theft-prone vehicle can leave you exposed to a much larger loss.
| Part of the policy | What is included | Median Annual Car Insurance Premium |
|---|---|---|
| Legally required coverage | Third-Party Liability; mandatory medical, rehabilitation and attendant care; Uninsured Automobile | $1,207.63 |
| Vehicle damage protection | DCPD; Collision; Comprehensive | $1,346.16 |
| Optional Accident Benefits | Selected optional benefits shown below | $356.59 |
| Optional endorsements | OPCF 44R – Family Protection | $9.62 |
| Coverage Total: | $2,920 |
Ontario’s July 1, 2026 auto insurance reforms made many Accident Benefits optional. Before removing any of these benefits to lower your premium, make sure you understand what protection you would be giving up.
Scarborough Auto Insurance Rates by Age Group
Drivers aged 18–20 have a median car insurance premium of $5,470, compared with $2,920 for drivers aged 35–44.
The cost drops to $3,859 for ages 21–24 and $3,265 for ages 25–34. If you are buying a first car in Scarborough, get the insurance quote before committing to the purchase. Choosing a model that is expensive to insure can make an already high young-driver premium much worse.
| Age | Median Annual Car Insurance Premium |
|---|---|
| 18-20 | $5,470 |
| 21-24 | $3,859 |
| 25-34 | $3,265 |
| 35-44 | $2,920 |
| 45-54 | $2,768 |
| 55-64 | $2,920 |
| 65+ | $2,460 |
Car Insurance in Scarborough: Clean Record vs. Violations
A minor speeding ticket raises Scarborough’s median car insurance premium from $2,920 to $4,438, an increase of about 52%. One at-fault accident pushes it to $5,329, or about 83% above the clean-record premium.
For a Scarborough driver already paying an above-average premium, keeping a clean record can save far more than most individual discounts.
| Driving record | Median Annual Car Insurance Premium |
|---|---|
| Clean | $2,920 |
| Minor speeding ticket | $4,438 |
| One at-fault accident | $5,329 |
| Insurance cancellation (non-payment) | $3,669 |
| Licence suspension | $5,970 |
| Impaired driving conviction | $14,577 |
| Stunt driving conviction | $4,503 |
Comparing Vehicle Premiums in Scarborough
Based on the actual table you provided, the clearest comparison is between the two Honda Civics.
The 2008 Civic LX-SR Coupe has the lowest median car insurance premium at $1,691, while the 2017 Civic EX is $2,552. The purchase prices are almost identical, yet the insurance premiums differ by more than $860.
| Make | Model | Model year | Vehicle price | Median premium |
|---|---|---|---|---|
| Bmw | 328Xi 4Dr Awd | 2007 | $46,216 | $3,271 |
| Honda | Accord Touring 2.0 4Dr | 2020 | $42,200 | $3,748 |
| Honda | Civic Ex 4Dr | 2017 | $24,980 | $2,552 |
| Honda | Civic Lx-Sr 2Dr Coupe | 2008 | $24,147 | $1,691 |
| Nissan | Kicks Sv 4Dr 2Wd | 2021 | $24,042 | $2,568 |
Read More: How Car Theft Influences Insurance Rates in Scarborough
How Do I Find a Good Car Insurance Company or Broker in Scarborough?
In Scarborough, start with your exact postal code and vehicle, because both can significantly affect your premium. Our data shows premiums ranging from $2,742 in M1G to $3,203 in M1L, and areas such as M1V, M1B and M1P also have higher vehicle-theft activity.
When speaking with a broker, ask them to quote several insurers using the same coverage and deductibles. Then ask two specific questions:
- Which insurers are offering the best rates for my postal code?
- Is my vehicle getting a theft-related surcharge?
If you drive a commonly stolen model, also ask whether an approved tracker or immobilizer would lower the premium.
A good broker should be able to explain why one quote is cheaper, not just hand you the lowest number. It is also worth checking a few direct or online quotes yourself, since brokers do not represent every insurer.
