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Scarborough Auto Insurance

A cultural melting pot and hotspot for newcomers to Canada, Scarborough is nestled between Victoria Park Avenue, Steeles Avenue, and the Rouge River, making it one of the most challenging regions to traverse traffic-wise. Frequent storms off Lake Ontario don’t help matters, either. Whether you’re a veteran driver of GTA’s infamous roadways or new to the game, quality insurance is a must-have.

At My Choice, we make finding quality Scarborough auto insurance easy. Just enter your postal code above and fill in our short form. It takes less than three minutes, and you’ll be able to compare quotes from all the best Canadian insurance providers all in one place.

Is Car Insurance Expensive in Scarbourough?

Toronto, in general, has relatively high insurance rates compared to other parts of Canada—it has the fifth highest rates in the country—but Scarborough has even higher premiums than the rest of the city. Toronto’s average is $1,743 per year for full coverage, while parts of Scarborough sit at $2,373.

Drivers in the area typically pay more than 83.6% higher rates than the provincial average, having the second-highest insurance prices in all of Ontario. Brampton is the only area with higher rates.

However, your location is far from the only factor that affects your insurance premiums, and it is possible to find comparatively cheap car insurance in Scarborough. The model and make of your vehicle, your driving history, and age all play significant factors.

Why is Car Insurance so Expensive in Scarborough?

That all comes down to the numbers. Scarborough has more traffic accidents than most areas of Toronto, and more accidents create a higher risk for insurance providers. They pass that risk on to you in the form of higher than average rates.

Scarborough also has higher than average car ownership rates, and more residents opt to travel by car than any other transportation method in the area.

Driving In & Around Scarborough

Scarborough has a lot to do and see from the Toronto Zoo to the Scarborough Museum, Thomson Memorial Park, Scarborough Bluffs, and a plethora of great beaches—Bluffers Beach down Brimley Road is considered one of the best in Toronto, and Rouge Park Beach is excellent as well.

Add all those attractions to the fact that about 65% of the roughly 632,098 residents travel by car, and driving in and around Scarborough can be challenging. A study commissioned by the City of Toronto found that seven of the most dangerous intersections in Toronto are in Scarborough.

Exercise extra caution at Markham Road and Tuxedo Court, Milliken Blvd. and Finch Ave. E., Neilson Rd. and Mclevin Ave., McCowan Road and Alton Towers Circle, Eglinton Avenue East and McCowan Road, Finch Ave. E. and Sandhurst Circle, and Finch Ave. E. and Bridletowne Circle.

You’ll notice there are a few common streets in that list, most notably Finch Ave. E. It is multi-lane with a speed limit of 60 km ph, making pedestrian accidents especially common in the area. People just don’t have enough time to cross. Remember to slow down and be aware of your surroundings.

Why You Might Consider Adding Comprehensive & Collision Coverage

Toronto may have sky-high insurance rates, but that doesn’t mean it’s impossible to find affordable Scarborough car insurance. There are a few things you can do to reduce your rate.

Discounts and Bundling
First, try to bundle your home and auto insurance, and if you have multiple vehicles, insure them all on one policy. Next, opt to pay your premium in one payment rather than monthly. Most insurance providers will give you a discount for doing so.

Speaking of discounts, take advantage of as many as possible. Common options include the safe driver, anti-theft, winter tire, driver’s training course, low mileage, and group affiliation discounts. Some providers also reward clean criminal records or have a graduated licensing system.

Play with Coverage Options
Beyond discounts, you can increase your deductible or lower your coverage levels. Keep in mind that all Canadian drivers are required to carry a minimum of $200,000 in liability coverage. Be careful not to drop too much coverage.

While it is an effective way to reduce your rate, we don’t recommend this approach. Liability insurance isn’t just the minimum insurance required by law—it’s also the bare minimum to cover accident costs.

If you do get in an accident, which is fairly likely in Scarborough no matter how good of a driver you are, you’ll likely find liability will leave you holding quite a few hefty bills. Full coverage may cost more upfront, but it’s often the more cost-effective option in the long run.

Compare Quotes
All that said, the best way to find cheap car insurance in Scarborough is to shop around—and we’re here to help with that! Many of our users save upwards of $1,000 a year—just by shopping around for the best rate.

The Financial Services Commission of Ontario (FSRA) approves rate changes for car insurance on a quarterly basis. While you don’t need to check your car insurance rate every three months, it is best to do so before every renewal, so ideally about once a year.

If you plan to add or drop a vehicle from your policy, it’s also a good idea to re-check insurance rates to ensure that you’re still getting the best possible price.

Find A Cheap Quote for Scarborough Car Insurance Here!

At My Choice, we’re proud to provide the easiest and fastest way to compare car insurance in Scarborough. In three minutes or less, you can have up to 30 quotes from the top insurance providers in Canada at your fingertips.

Even better, our comparison tools come with innovative sorting features, allowing you to organize your quotes based on a wide range of factors, such as deductibles and coverage options. That way, you can find the lowest possible premium without all the hassle.

Give our car insurance comparison tool a try, say goodbye to astronomical premiums, and save big today!

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