See car insurance rates in Ajax, Ontario.

Part of a series on car insurance rates in Ontario.

Fast facts about auto insurance in Ajax

Average annual car insurance rate

Regular drivers in the city

Collisions per year (approximately)


Collision rate for the city

Average age

Average household income


Unemployment rate


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 18% 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 18% 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 occurences. You can find safe housing on 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
  • Woodbridge: $3,603
  • Richmond Hill: $3,579
  • Mississauga: $3,474
  • Markham: $3,389
  • Hamilton: $3,201
  • Ajax: $3,053
  • York: $2,999
  • Toronto: $2,983
  • Barrie: $2,924
  • London: $2,765
  • Oakville: $2,720
  • Kitchener: $2,705
  • Windsor: $2,536
  • Burlington: $2,476
  • Gloucester: $2,256
  • Ottawa: $2,195

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.

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”
  •, “Durham’s worst intersections”
  •, “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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