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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on May 16, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated May 16, 2024

Visit author page

6 minute read

Article Contents

Quick Facts About Auto Insurance in Vaughan

  • Vaughan car insurance is MORE expensive than the Ontario average.
  • The average annual car insurance cost in Vaughan for a driver with comprehensive/collision coverage and a clean record is around $2,447.
  • Comparing Vaughan auto insurance quotes with MyChoice can save you up to $1,738 annually.

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:

BrokerageAddressPhone number
Allstate Insurance: Vaughan Agency3120 Rutherford Rd
Concord, ON L4K 0B1, Canada
+12892175206
All-Risks Insurance Brokers Limited127 Corstate Ave #2
Vaughan, ON L4K 4Y2, Canada
+14167549871
ELM Insurance Brokers Inc.400 Applewood Crescent Suite 300
Concord, ON L4K 0C3, Canada
+19057386077

Most Expensive Postal Codes in Vaughan

The average car insurance rate in Vaughan, is $2,447/year, a rate that is significantly higher compared to Ontario’s provincial average of $1,673/year. 

Since Vaughan only has two postal codes, the L6A area has the highest car insurance premium rate in Vaughan.

Postal CodeAverage Annual Car Insurance Premium
L6A$2,508

Least Expensive Postal Codes in Vaughan

The suburban area of Concord has the lowest auto insurance rates in Vaughan.

Postal CodeAverage Annual Car Insurance Premium
L4K$2,403

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:

AgeAverage Annual RatesAverage Savings with MyChoice
18-20$8,736$1,738
21-24$4,992$993
25-34$3,228$662
35-44$2,447$487
45-54$2,007$399
55-64$1,706$339
65+$1,944$387

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 ViolationAverage Annual Car Insurance Premium
Clean driving record$2,447
Insurance cancellation due to non-payment$4,013
Licence suspension for alcohol-related offences$2,936
One accident$5,383
Speeding ticket$3,181

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 commutingCountsRates
Total – 25% sample data100,805100.0
Car, truck or van89,47588.8%
Car, truck or van – as a driver82,34081.7%
Car, truck or van – as a passenger7,1257.1%
Public transit6,5656.5%
Walked2,0452.0%
Bicycle2750.3%
Other method2,4452.4%

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 durationCountsRates
Total – 25% sample data100,805100.0
Less than 15 minutes20,32520.2%
15 to 29 minutes35,34035.1%
30 to 44 minutes26,77026.6%
45 to 59 minutes9,5909.5%
60 minutes and over8,7808.7%

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:

Age, Gender, and Marital Status

Your personal demographics influence auto insurance premiums in Vaughan because different people have varying accident risks. 

Younger people tend to get higher premiums because insurance companies see them as more accident-prone than older people. Generally, your car insurance rates start decreasing when you hit 25 years old as long as you keep a safe driving record. However, insurance premiums increase again for people aged 65 and older because they’re more likely to be injured or killed in traffic accidents.

Women often get lower insurance rates because they’re seen as more careful drivers and don’t take as many risks as men.

Marital status also determines your rates because most insurance companies see married people as more financially stable and less-risky drivers. Married couples also tend to bundle home and auto insurance, saving more on premiums.

Location

People who live in urban areas often see higher insurance premiums because they’re more prone to car accidents and theft. 

Car Make and Model

Expensive cars are more costly to repair or replace, so insurance premiums are usually higher than more common vehicles. You can install security features like anti-theft devices if you have an expensive car and want to save on insurance premiums.

Driving History

People who drive safely are rewarded with lower premiums because they’re usually less likely to get into a traffic accident. Conversely, people who have gotten into multiple accidents get higher premiums because they’re more likely to be involved in another accident down the line.

Driving Activity

Logic dictates that people who drive frequently are more likely to get in an accident. Therefore, kilometres driven is one of the determining factors that set your Vaughan auto insurance rates.

Insurance Coverage Chosen

Your coverage options influence your insurance rates because taking more coverage gives you more protection. Naturally, the more coverage you choose, the higher your rates.

Policy Discounts

Getting discounts can lower your auto insurance rates and make them more affordable. You can typically get discounts by bundling home and auto insurance or asking for a group discount for your workplace or organization.

The Most Common Questions About Car Insurance in Vaughan

How much does Vaughan car insurance cost?

The average cost of Vaughan car insurance is $2,447/year.

Is car insurance cheaper in Vaughan than in Toronto?

No, car insurance is cheaper in Toronto rather than in Vaughan. The average car insurance rate in Vaughan is $2447/year, while car insurance in Toronto costs $2,139/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.

Sources

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

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

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

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

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

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

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

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

9. 511 Ontario Traveller Information, Ontario, Vaughan.

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