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Car insurance Ajax, ON

Part of a series on car insurance rates in Ontario.

Car Insurance Ajax FAQ

What type of car insurance does aha insurance offer in Ajax?

At aha insurance, we provide a wide range of car insurance options in Ajax, specifically tailored to meet the distinct needs of drivers in the area. Whether you’re a new driver looking for basic coverage or an experienced motorist seeking comprehensive protection, our selection of policies is designed to cater to your individual needs. Our commitment to delivering personalized and cost-effective solutions ensures that residents of Ajax can find the right car insurance coverage to safeguard themselves and their vehicles while confidently navigating the roads.

Mandatory coverage

In Ajax, same as in all of Ontario, car insurance regulations mandate the following compulsory coverage:

Third-party liability coverage

Third-party liability coverage is a fundamental component of Ajax car insurance that is mandated by the province’s law. This coverage provides financial protection if you are held responsible for an accident that results in injury or property damage to others. It covers the costs for the damages and injuries suffered by others up to the minimum coverage limit required by law, but it does not include coverage for your own injuries or property damage. Third-party liability coverage is essential to ensure you are adequately protected on the roads and meet the legal requirements for driving in Ajax.

Accident Benefits Coverage

For Ajax drivers, accident benefits coverage is a crucial element of their car insurance. It provides support to individuals injured in a car accident. This coverage includes various benefits, such as medical expenses, rehabilitation costs, income replacement, and other related expenses resulting from an accident. With accident benefits coverage, residents of Ajax can receive the necessary financial assistance and resources to aid in their recovery and cover the costs associated with their injuries. This coverage ensures that those impacted by car accidents in Ajax have the necessary support to rebuild their lives following an unfortunate incident on the road.

Direct Compensation-Property Damage (DC-PD) Coverage

DC-PD coverage applies when your vehicle sustains damage in an accident caused by another party. With DC-PD coverage, you have the advantage of receiving compensation directly from your insurance provider, eliminating the need to pursue a claim against the at-fault driver. This streamlined process offers convenience and efficiency, making it easier to repair or replace your vehicle without unnecessary delays. Having DC-PD coverage in Ajax provides you with adequate protection, instilling confidence as you drive, knowing that your vehicle is safeguarded in the event of an accident caused by someone else.

Uninsured Motorist Coverage

Uninsured motorist coverage provides protection for Ajax drivers in the event of an accident with an uninsured, underinsured, or hit-and-run driver. This coverage ensures you are safeguarded when the responsible driver lacks sufficient insurance to cover your injuries or damages. In such scenarios, uninsured motorist coverage steps in to compensate for your losses, including medical expenses, vehicle repairs, and related costs. Having this coverage in Ajax gives you the assurance of driving confidently, knowing you are financially protected if you come across an uninsured or underinsured driver on the road.

Optional coverage

Moreover, there are various optional coverage options available for car insurance, such as:

Specified Perils Coverage

In Ajax, you have the option to include specified perils coverage in your car insurance policy. This type of coverage provides targeted protection against specific risks explicitly listed in the policy, such as fire, theft, hail, lightning, and other specified incidents. While it covers damages resulting from the hazards specifically mentioned, it may not extend to damages caused by other perils. Specified perils coverage is a suitable choice for individuals who want insurance protection against particular risks relevant to their location and circumstances in Ajax.

Comprehensive coverage

This optional component of Ajax car insurance protects your vehicle against non-collision incidents, such as theft, vandalism, weather-related damage, and other specified perils. With comprehensive coverage, you can drive with confidence, knowing that your vehicle is safeguarded from a wide range of risks, and it offers financial assistance in case of unexpected events. 

Collision coverage

This elective car insurance option provides financial protection for your vehicle in the event of a collision, regardless of fault. With collision coverage, you can receive compensation for the repair or replacement of your car up to its current market value after deducting the chosen deductible amount. This type of coverage is especially beneficial for high-value vehicles or those with active car loans. Nevertheless, if you own an older vehicle with a lower market value, it is important to weigh the cost of collision coverage against its benefits.

All-Perils Coverage

All-perils coverage is a comprehensive and inclusive form of car insurance that combines both collision and comprehensive coverage. By opting for all perils coverage, Ajax drivers are protected against a wide range of risks, including collisions, theft, fire, vandalism, and various other perils, unless specifically excluded in the policy. This coverage offers extensive protection for your vehicle, providing you with added peace of mind on the roads. 

What are the main things affecting my auto insurance premiums in Ajax?

There are many factors influencing auto insurance premiums in Ajax. They vary for every driver, and each one is taken into account by insurance companies when assessing risk and determining rates. One crucial factor is your driving history, encompassing past accidents, tickets, or traffic violations. Having a clean driving record with no at-fault accidents or traffic infractions often results in lower insurance rates due to the reduced perceived risk of future claims. 

 

Additionally, your age and driving experience are significant determinants of premiums. Younger and less experienced drivers typically face higher insurance costs due to their perceived higher risk, while older and more seasoned drivers tend to enjoy lower rates. Moreover, the type of vehicle you own plays a role in determining premiums, with high-performance or luxury cars generally incurring higher insurance costs compared to more affordable vehicles. 

 

Lastly, the location of your residence in Ajax can impact your insurance rates. Areas with higher crime rates or accident frequencies often result in higher premiums. This also includes how often and far you drive, such as a long commute to and from work, as more time on the road means more exposure to potential risks, making you statistically more likely to be in accidents, leading to higher insurance rates.

How do I know I have the most complete car insurance?

With numerous coverage options and add-ons available, you may wonder how to determine if your policy offers the level of protection you need. After all, having comprehensive car insurance coverage is crucial to ensuring that you are adequately protected on the roads. To ensure you have the most complete car insurance coverage in Ajax, consider the following factors:

  • Make sure your policy includes comprehensive coverage, which protects your vehicle against non-collision incidents such as theft, vandalism, and weather-related damage.
  • Ensure that your policy includes collision coverage, which provides financial protection for your vehicle in the event of a collision, regardless of fault.
  • If desired, consider adding specified perils coverage, which protects against specific risks explicitly listed in your policy, such as fire, theft, and certain other perils.
  • Or, if comprehensive protection is a priority, consider all perils coverage, which combines collision and comprehensive coverage, offering a more inclusive level of protection.
  • Verify that you have adequate liability coverage, which is mandatory and provides protection if you are at fault in an accident and responsible for causing injury or property damage to others. Ontario’s minimum coverage requirement is $200,000, but it’s highly recommended you have at least $2,000,000.
  • Review optional add-ons that suit your needs, such as rental car coverage, roadside assistance, and increased accident benefits coverage.
  • Assess the limits and deductibles on your policy to ensure they align with your comfort level and financial situation.
  • Finally, if unsure about your coverage, consult with an insurance broker to discuss your specific needs and explore any potential gaps in your coverage.
What is the average cost of car insurance in Ajax?

According to our data, the average cost of car insurance in Ajax is approximately $3,053 per year, which translates to just shy of $254.50 per month. However, it is essential to recognize that this figure represents an average, and individual rates can vary based on various factors, such as the driver’s age, driving history, vehicle type, and selected coverage levels. To obtain a more accurate estimation of car insurance expenses in Ajax, it is advisable to work with an insurance broker.

How does mileage impact my auto insurance rate?

In Ajax, Ontario, mileage can have a significant impact on your auto insurance rate. Insurance companies consider the number of miles you drive annually as an important factor in assessing risk and determining premiums. Generally, the more miles you drive, the higher the risk of being involved in accidents, which can lead to higher insurance premiums.

If you have a long daily commute or frequently drive long distances, you may be considered a higher-risk driver by insurance companies. This is because the more time you spend on the road, the greater the likelihood of encountering hazardous situations. Consequently, higher mileage can result in increased insurance rates to account for the elevated risk.

On the other hand, some insurance providers may offer discounts to drivers with lower annual mileage. If you drive less frequently and have a lower risk of accidents, you may be eligible for reduced premiums. In such cases, insurers may offer usage-based insurance programs that provide personalized discounts based on your actual driving behaviour.

To improve your auto insurance rate, it is crucial to provide accurate information about your mileage when getting a quote. Moreover, keeping a clean driving record and considering usage-based insurance alternatives, especially if you drive fewer miles and have safe driving habits, can assist you in finding more cost-effective car insurance rates in Ajax.

 

Fast facts about auto insurance in Ajax

Average annual car insurance rate

Regular drivers in the city

Collisions per year (approximately)

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Collision rate for the city

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Understanding car insurance in Ajax, Ontario

Ajax is a quintessential suburban township. It sits in between Pickering, Whitby, and Lake Ontario. It’s also defined by highway access, framed squarely by the 401 running east-west and the 412 running north-south parallel to the eastern edge of the city. It’s a town that operates on personal vehicles instead of public transportation, for the most part. Scores of people take the 401 to and from Toronto to get to work every day, creating quite a bit of congestion and increasing the odds of a collision.

Saving money while living in Ajax can be a challenge because you need a car to get around town. You’ll probably need a vehicle just to get groceries even if you take the train into downtown Toronto for work every day.

While you can’t write off car ownership entirely, you can reduce your rates by living in select areas with low crime rates and access to the GO station.

Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 15% on car insurance when you bundle them.

Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 15% on car insurance when you bundle them.

Busting myths about driving and insurance in Ajax

Myth: Ajax’s public transit isn’t reliable.

Like other suburban communities bordering Toronto, Ajax relies heavily on cars and the 401 to allow commuters to ride to and from downtown. That means most people travel around town by car, and fewer people pay to support public transit in the borough. In early 2019, however, Mayor Shaun Collier spent two weeks riding the DRT to understand how to better improve it for everyone. Expect changes in the next few years!

Myth: The south end of Ajax is more dangerous than the north end.

False. Some of Ajax’s nicest neighbourhoods are in the south end, especially in proximity to the waterfront. In fact, The Durham Police’s crime map indicates the neighbourhood with the highest number of reported crimes is just north of the 401, around the intersection of Harwood Avenue and Kingston Road. After that, the neighbourhoods just on the southern side of the 401 have the next-highest number of occurrences. You can find safe housing all over the south end of Ajax.

Myth: Ajax is too remote from Toronto.

If you don’t have a car or only take the 401 during rush hour, then you’d be forgiven for thinking that. In fact, Ajax has several other main roads that connect it with the surrounding GTA. Taunton Road and Old Kingston Road serve as the town’s main arteries outside of the 401. There are also discussions about the possibility of creating an airport between Ajax and Pickering, which could connect Ajax to the rest of the world.

Myth: Ajax is just a small town, but the jobs are all in Toronto.

Not for long! Ajax is one of the fastest-growing communities in Ontario. In fact, it grew by more than a full third between 2005 and 2015, and it’s set to reach a population of 140,000 by 2031. Ajax is a mid-sized city right now, but it’s booming in business and in growth. The young families moving here now are forming a thriving economy that’s going to last for years to come, building its own commercial ecosystem outside of downtown Toronto.

How Ajax’s rates compare to other cities in Ontario

  • North York: $4,261
  • Etobicoke: $4,199
  • Brampton: $4,071
  • Scarborough: $3,825
  • East York: $3,605
  • Woodbridge: $3,603
  • Richmond Hill: $3,579
  • Mississauga: $3,473
  • Markham: $3,389
  • Niagara Falls: $3,321
  • Bowmanville: $3,308
  • Peterborough: $3,259
  • Pickering: $ 3,245
  • Newmarket: $ 3,216
  • Hamilton: $3,201
  • Brantford: $ 3,158
  • Maple: $3,150
  • Whitby: $3,087
  • Ajax: $3,053
  • York: $2,999
  • Toronto: $2,983
  • Barrie: $2,924
  • Thornhill: $2,871
  • Waterloo: $2,867
  • Caledon: $2,780
  • London: $2,765
  • Fort Erie: $2,720
  • Oakville: $2,720
  • Sault Ste Marie: $ 2,713
  • Kitchener: $2,705
  • Milton: $2,680
  • St Catharines: $ 2,550
  • Windsor: $2,536
  • Woodstock: $2,513
  • Innisfil: $2,505
  • Burlington: $2,476
  • Kingston: $ 2,360
  • Cambridge: $2,297
  • Oshawa: $2,295
  • Guelph: $2,268
  • Gloucester: $2,256
  • Stoney Creek: $2,222
  • Nepean: $2,196
  • Ottawa: $2,195
  • Sudbury: $2,005
  • Kanata: $2,002
  • Thunder Bay: $1,973
  • Wasaga Beach: $1,958

Say hi to Wendy, insurance broker extraordinaire!

aha insurance’s brokers are trained and licensed professionals who are always up for a game of “pin the discount on the policy.” In short: they’re awesome—and we’re particularly proud of this one right here!

Say hello to Liam!
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Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hello to Cliff!
aha insurance

Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hello to Kishan!
aha insurance

Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hello to Sandy!
aha insurance

Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hello to Mayanne!
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Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hello to Kenzie!
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Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hello to Willarie!
aha insurance

Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hi to Lynne, insurance broker superstar!

aha insurance’s brokers are trained and licensed professionals who are always up for a game of “pin the discount on the policy.” In short: they’re awesome—and we’re particularly proud of this one right here!

Photo of Lynne

Say hello to Judy!
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Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hi to Bev, insurance broker extraordinaire!

aha insurance’s brokers are trained and licensed professionals who are always up for a game of “pin the discount on the policy.” In short: they’re awesome—and we’re particularly proud of this one right here!

Say hello to Mayanne!
aha insurance

Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hi to Chrystal, insurance broker superstar!

aha insurance’s brokers are trained and licensed professionals who are always up for a game of “pin the discount on the policy.” In short: they’re awesome—and we’re particularly proud of this one right here!

Say hello to Jason!
aha insurance

Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hello to Willarie!
aha insurance

Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Photo of Willarie

Say hello to Sri!
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Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hi to Victor, insurance broker extraordinaire!

aha insurance’s brokers are trained and licensed professionals who are always up for a game of “pin the discount on the policy.” In short: they’re awesome—and we’re particularly proud of this one right here!

Say hello to Greg!
aha insurance

Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hello to Cliff!
aha insurance

Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Photo of Cliff

Say hi to Chrystal, insurance broker extraordinaire!

aha insurance’s brokers are trained and licensed professionals who are always up for a game of “pin the discount on the policy.” In short: they’re awesome—and we’re particularly proud of this one right here!

Say hello to Kishan.

Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hi to Bridget, insurance broker extraordinaire!

aha insurance’s brokers are trained and licensed professionals who are always up for a game of “pin the discount on the policy.” In short: they’re awesome—and we’re particularly proud of this one right here!

Say hi to Danielle, insurance broker superstar!

aha insurance’s brokers are trained and licensed professionals who are always up for a game of “pin the discount on the policy.” In short: they’re awesome—and we’re particularly proud of this one right here!

Say hello to Sandy!
aha insurance

Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hi to Lynne, insurance broker of the minute!

aha insurance’s brokers are trained and licensed professionals who are always up for a game of “pin the discount on the policy.” In short: they’re awesome—and we’re particularly proud of this one right here!

Say hi to Srimanti, insurance broker superstar!

aha insurance’s brokers are trained and licensed professionals who are always up for a game of “pin the discount on the policy.” In short: they’re awesome—and we’re particularly proud of this one right here!

Say hello to Christine!
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Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hello to Hanseon!
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Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hello to Kenzie!
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Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Say hello to Windrick!
aha insurance

Behind every broker is a tech wiz or two, marketing mavens, culture champions, and financial aficionados. This is one of them, and aha insurance is even more awesome because of it.

Quick tips on insurance and driving in Ajax

Live near GO Train stations if you’re working in downtown Toronto.

The route from Ajax to downtown Toronto is about 50 minutes, so if you can get to the GO station within 15 minutes then you’ll have a very reasonable commute to work. Riding the GO train does cost money, but it could also seriously reduce your car insurance rates. Your premiums are tied to your road exposure (how far you drive every day or week), so taking that down to a few errands every 7 days does wonders for your wallet!

Avoid Ajax’s worst intersection at Kingston and Salem.

The intersection at Salem Road South and Kingston Road East is one of the most dangerous intersections in Ajax and the entire Durham Region, with up to 87 collisions in 2011. Kingston Road in particular contributes to a large number of collisions throughout the Durham region, so drive extra carefully while using it to avoid collisions or fender benders—they’ll raise your rates if you’re not careful!

Homes in the north end have low crime rates, but the GO station is in the south end.

Test out various addresses before committing to a new home in Ajax, especially if you’re commuting into downtown Toronto. The lower crime rates in the north end’s newer developments will likely have a positive impact on your car insurance rates. However the savings on fuel and lower road exposure from taking the GO train might outweigh that if you need to live close to the highway.

If you’re working locally, then try for a home in the north end or the waterfront.

A lot of people work in Toronto, so access to the GO Station is critical for them. The Durham Region Police Force’s crime mapping tool indicates that crime is also highest around the 401 (where the station is), and that doesn’t help our insurance rates. If you work locally then take advantage of homes northward, toward Taunton Road. Communities right on the waterfront also have fewer incidents.

Ajax Insurance FAQs

What determines your auto insurance premium?

Your city and postal code are just one piece of the larger picture of information that insurers use to determine your auto insurance premium. Learn more about how where you live affects your insurance rates here

That said, many other factors also influence how much you pay for insurance:

  • What you drive: for example, the model and age of a vehicle are used by insurers to determine the cost of repairing or replacing your car. Insurance providers can also use collision statistics associated with your vehicle model to determine your premium. 
  • Your age, gender, and experience behind the wheel: drivers over 25 with a G license and a safe driving history typically pay the most affordable premiums. 
  • Your driving record: You’ll always pay less for insurance if you have no at-fault accidents or driving violations such as speeding or distracted driving convictions.
  • Any secondary and occasional drivers on your policy also affect how much you pay for your coverage. 
  • Driving habits, including your daily commute and how many kilometres you drive annually, also help determine your premium. 
  • How much coverage you choose: Additional policy endorsements like comprehensive coverage will provide your vehicle with more protection but increase the price of your policy. It’s best to speak with a broker to determine the best balance between insurance protection and policy price for your family. 
  • Lower deductibles will also cost you more money upfront but will be worth it if you can’t afford to pay a high deductible if you need to make a claim. Learn more about the impact of deductibles on your rates.

In addition, different companies will charge you different amounts for the same coverage. So, we recommend getting quotes from insurance brokerages like aha to find out if you can save more on the coverage you need

How much does Ajax auto insurance cost?

While Ajax residents did see a modest reduction in their auto insurance rates of 1.7% from 2020, Ajax had the second-highest average Ontario insurance rate in 2021. Vaughn had the highest average premiums at $2,179, with Ajax paying a slightly lower annual rate of $2,104. 

These averages a quite a bit higher than the overall 2021 Ontario average of $1,555, but they don’t necessarily reflect what an individual Ajax resident will pay. The best way to find out how much auto insurance will cost you is to get a free online quote from an insurance brokerage like aha. 

How to get cheap auto insurance rates in Ajax?

With high average insurance rates in Ajax, it’s wise to be on the lookout for ways you can make your auto insurance premium more affordable. 

If you work in Toronto, consider avoiding long commutes on the 401 and taking advantage of the Ajax GO station. 

In addition to your neighbourhood and how often and far you commute, there are many other ways to lower your car insurance rates. Here are a few highlights: 

  • Drive safe and consider adding accident forgiveness to your policy to protect your rates after an at-fault accident. 
  • Look for vehicles with top safety ratings that aren’t common targets for theft in Canada. 
  • Avoid customizing your vehicle with expensive features and parts that don’t provide the advantage of increased safety, like a more powerful engine.
  • Don’t forget to take advantage of winter tire discounts!
  • Learn how state-of-the-art safety features can help you save on insurance.
  • If you have new drivers on your policy, an accredited driver’s ed course can make insuring them more affordable.
  • Take advantage of discounts when you bundle multiple vehicles or purchase home insurance with the same company. 
  • Consider increasing the limit of your liability insurance coverage. This advice sounds counterintuitive, but paying a little more for coverage upfront will help you save if you had to pay compensation for an injured third party after an at-fault accident. 

 

The best way to ensure you’re saving on quality insurance is to speak with a broker to help you find the discounts you deserve and the best rates from a licensed insurance company. 

Sources for facts about Ajax:

  • Statistics Canada, 2016 Profile, Ajax
  • Ministry of Transportation, 2016 Road Safety Report
  • Global News, “Ajax mayor rides bus for Durham Region Transit project”
  • DurhamRegion.com, “Durham’s worst intersections”
  • DurhamRegion.com, “Ajax supports a Pickering airport, provided the facts support one”
  • Federation of Canadian Municipalities, “Case study: Population boom doesn’t stop Ajax from reducing GHGs”

Source for average insurance rates by city:

  • Survey of 2,800 auto insurance policy holders in Ontario

Google Rating: 4.8

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