How Does Car Insurance Work in Vaughan?
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 Vaughan 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 Vaughan referenced above.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability – Accident Benefits – Uninsured Automobile | $1,051 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $1,400 |
| Coverage Total: | $2,451 |
Mandatory Coverages:
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Third-Party Liability | Protects you if you injure someone or damage property while driving, and covers legal costs if you’re sued. | $322 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault. | $732 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage. | $19 |
| Coverage Total: | $1,051 |
*The above coverages are mandatory in Vaughan and will always be included in a standard car insurance quote.
Highly Recommended Coverages:
| Coverage Type | Coverage Details | Average 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. | $602 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $367 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $264 |
| 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. | $31 |
| OPCF 27: Rental Vehicle | Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them. | $32 |
| 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. | $25 |
| 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. | $36 |
| 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: | $1,400 |
*Any of the above highly recommended coverages in Vaughan may be removed from your quote, but we strongly recommend keeping them to have adequate protection.
Most Expensive Postal Codes in Vaughan
The average car insurance rate in Vaughan, is $2,451/year, a rate that is significantly higher compared to Ontario’s provincial average of $1,874/year.
Since Vaughan only has two postal codes, the L6A area has the highest car insurance premium rate in Vaughan.
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| L6A | $2,504 |
Least Expensive Postal Codes in Vaughan
The suburban area of Concord has the lowest auto insurance rates in Vaughan.
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| L4K | $2,399 |
How Vaughan Car Insurance Rates Compare to Nearby Cities
Vaughan has some of the highest car insurance rates in the Greater Toronto Area. Here’s how they stack up compared to nearby cities:
| City | Average Annual Car Insurance Premium |
|---|---|
| Vaughan, ON | $2,451 |
| Richmond Hill, ON | $2,309 |
| Markham, ON | $2,163 |
| Toronto, ON | $2,231 |
| Etobicoke, ON | $2,255 |
| Brampton, ON | $3,341 |
Car Insurance Cost in Vaughan by Age
Generally, your age will affect the cost of your car insurance in any Canadian city, including Vaughan.
Younger drivers below the age of 25 tend to be charged higher car insurance premiums. They’re considered a higher risk for car insurers because their lack of experience on the road makes them more likely to get into accidents or rack up demerit points.
Your auto insurance premiums will go down after the age of 25 but go up again when you turn 65. This is because senior citizens are considered more likely to die or be injured in a car accident, making them riskier for car insurers to cover.
Here’s a simple table that shows how your age affects the cost of car insurance:
| Age | Average Annual Car Insurance Premium | Average Savings with MyChoice |
|---|---|---|
| 18-20 | $7,034 | $1,399 |
| 21-24 | $3,627 | $722 |
| 25-34 | $2,794 | $556 |
| 35-44 | $2,451 | $488 |
| 45-54 | $2,083 | $414 |
| 55-64 | $1,936 | $385 |
| 65+ | $1,985 | $395 |
Car Insurance Cost in Vaughan by Driving History
Your driving history also affects the cost of car insurance in Vaughan.
Generally, drivers who have many tickets, violations, or demerit points on their records are considered “high-risk” drivers by car insurers. Because a high-risk driver is seen as more likely to get into accidents or commit violations, their premiums tend to be higher. But if you have a clean driving record, you can get the lowest car insurance rates.
Demerit points and violations stay on your Ontario driving record for only two years, but car insurers might search back as far as 10 years into your driving history. This means even old tickets or offences can increase the cost of your car insurance.
Here’s a quick look at how your driving history affects the cost of your car insurance in Vaughan:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $2,451 |
| Insurance cancellation due to non-payment | $3,407 |
| Licence suspension for alcohol-related offences | $2,574 |
| One at-fault accident | $4,804 |
| Minor speeding ticket | $2,966 |
Car Insurance Cost in Vaughan by Vehicle Model
Below is a breakdown of the estimated insurance costs for various car models in Vaughan. This should give you an idea of what you can expect to pay for car insurance based on the vehicle model you drive.
| Car Model | Average Annual Car Insurance Premium |
|---|---|
| Volvo | $2,453 |
| Nissan | $2,483 |
| Ford | $2,243 |
| Mercedes | $2,285 |
| Hyundai | $2,472 |
| Subaru | $2,500 |
| Audi | $3,047 |
| Tesla | $2,407 |
| Land Rover | $2,222 |
| MINI | $2,083 |
The Best Car Insurance Brokerages in Vaughan
A car insurance brokerage offers invaluable assistance by comparing offers between different Vaughan car insurers and answering your questions.
Here are several well-known car insurance brokerages in Vaughan. Contact them through their details below if you need help looking for affordable car insurance:
| Brokerage | Address | Phone number |
|---|---|---|
| Allstate Insurance: Vaughan Agency | 3120 Rutherford Rd Concord, ON L4K 0B1, Canada | +12892175206 |
| All-Risks Insurance Brokers Limited | 127 Corstate Ave #2 Vaughan, ON L4K 4Y2, Canada | +14167549871 |
| ELM Insurance Brokers Inc. | 400 Applewood Crescent Suite 300 Concord, ON L4K 0C3, Canada | +19057386077 |
Driving in Vaughan
Vaughan is a thriving city in the regional municipality of York, located near Brampton and Toronto. It has a complex transportation system consisting of public transit, regional roads, and highways. Unfortunately, the car-jammed York regional roads significantly affect what it’s like to drive and commute in Vaughan.
Here are some key facts about driving and commuting in this city:
- Major highways in Vaughan: 400, 427, 7 (York Regional Road)
- Public transit options: York Region Transit (bus), Viva Rapid Transit (bus), Toronto Transit Commission (TTC) Line 1 Yonge–University (subway), GO Transit (rail)
- Ridesharing services: Uber, Lyft, Rutherford and Maple GO Mobility On-Request
- Parking space providers: The City of Vaughan, private lots
- Top tourist attractions: Canada’s Wonderland, Kortright Centre for Conservation, Boyd Conservation Area, McMichael Canadian Art Collection, Reptilia Zoo, Vaughan Mills
- Busy intersections: Highway 7 and Weston Road, Weston Road and Rutherford Road, Highway 7 and Keele Street, Major Mackenzie Drive and Highway 400 offramp
- Airports: N/A
Main Mode of Commuting in Vaughan
Most Vaughan commuters prefer going to work by car, truck, or van. Despite having a robust public transit infrastructure, only 6.5% of them travel with it. Here’s a closer look at how commuters travel in Vaughan:
| Main mode of commuting | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 100,805 | 100.0 |
| Car, truck or van | 89,475 | 88.8% |
| Car, truck or van – as a driver | 82,340 | 81.7% |
| Car, truck or van – as a passenger | 7,125 | 7.1% |
| Public transit | 6,565 | 6.5% |
| Walked | 2,045 | 2.0% |
| Bicycle | 275 | 0.3% |
| Other method | 2,445 | 2.4% |
Commuting Duration in Vaughan
Vaughan is the fifth-largest city in the Greater Toronto Area, so traffic during peak hours is to be expected. Over 35% of commuters in Vaughan take 15 to 29 minutes getting to work. A quarter of them even spend 30 to 44 minutes commuting. Let’s dive deeper and examine this breakdown of the commuting duration in Vaughan:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 100,805 | 100.0 |
| Less than 15 minutes | 20,325 | 20.2% |
| 15 to 29 minutes | 35,340 | 35.1% |
| 30 to 44 minutes | 26,770 | 26.6% |
| 45 to 59 minutes | 9,590 | 9.5% |
| 60 minutes and over | 8,780 | 8.7% |
Driving Conditions in Vaughan
Driving conditions like snow, rainfall, and commute time affect your safety on the road, which is why the city you live in can affect your car insurance premium.
Here’s a short summary of what driving conditions are like in Vaughan, ON.
- Average daily commute time: 64 minutes round trip
- Average annual rainfall: 697 mm
- Average annual snowfall: 102.8 cm
- Rainy days per year: 108.3 days
- Rainiest month in Vaughan: September
- Driest month in Vaughan: January
- Snow days per year: 34.3
- Snowfall months in Vaughan: January – April, October – December
Traffic in Vaughan
Vaughan is the fifth-largest city in the Greater Toronto Area and Canada’s 17th-largest city. Its current size can be attributed to a population boom from 1995-2006, as well as its status as the third-largest employment centre in the Greater Toronto Area.
Manufacturing continues to dominate Vaughan’s economy. Vaughan is also home to over 180 Canadian or regional headquarters for major brands like Adidas and GFL Environmental. The sheer number of employers and opportunities here all affect the traffic conditions in the city.
Here’s a quick overview of the key traffic statistics in Vaughan:
- Population: 323,103 people live within Vaughan’s city limits.
- City area: Vaughan’s city limits span 272.44 km2.
- Average commute distance: The average Vaughan resident travels 13.3 km every day to their school or workplace.
- Time spent in traffic annually: The average Vaughan resident spends 64 minutes in traffic daily, totalling roughly 389 hours per year.
- Busiest highway: Vaughan’s busiest highway is Highway 7 because of the many high-traffic intersections merging into it.
How Your Car Insurance Quotes Are Calculated in Vaughan
Your car insurance rates are calculated based on how risky you are to insure. Naturally, drivers more likely to get into accidents will have higher premiums than those less likely to be in an accident.
Here are seven factors that influence your Vaughan car insurance quotes:
The Most Common Questions About Car Insurance in Vaughan
How much does Vaughan car insurance cost?
The average cost of Vaughan car insurance is $2,451/year.
Is car insurance cheaper in Vaughan than in Toronto?
No, car insurance is cheaper in Toronto than in Vaughan. The average car insurance rate in Vaughan is $2,451/year, while car insurance in Toronto costs $2,231/year.
How can you get cheaper auto insurance in Vaughan?
Compare car insurance rates in Vaughan with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.