Car insurance Bowmanville, ON.

Part of a series on car insurance rates in Ontario.

Fast facts about auto insurance in Bowmanville

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 Bowmanville, Ontario

Bowmanville is an up-and-coming town in South-Eastern Ontario, just East of Courtice and Oshawa and north of Port Darlington on Lake Huron.

Technically, Bowmanville is a part of the Greater Toronto Area, within the Clarington municipality in the Durham Region. It doesn’t feel like it, though, and its growth in recent years is proof of that. Affordable housing attracts a lot of people who want a change of scenery from Toronto and the associated commuting.

With that said, 29.2% of Bowmanville’s population does commute outside of the town for work on a daily basis. This means that, like many other people living in close proximity to Toronto, the population takes on a larger share of exposure to risk because of all the time they spend on the road.

Bowmanville also has a young population, with the average age hovering just under 37. That can definitely contribute to higher rates on average, though luckily that’s balanced out with a low collision rate.

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 Bowmanville

Myth: Bowmanville has a lot of suburban sprawl.

Bowmanville isn’t really big enough to have significant suburban sprawl, with a population not much more than 40,000 people.

That didn’t stop a punk rock band from mocking the town’s 3-way stop in one of its newer EPs.

Myth: You can’t get around Bowmanville without a car.

That may be the case today, but not for the future of the town. Bowmanville is getting a GO Train stop planned for 2024, and the city is planning to connect its transportation hub with Courtice, bringing residents that much closer to Oshawa. This means that some people will be able to commute to other towns and municipalities for work even if they don’t have cars.

Myth: Bowmanville is just a bedroom community for Oshawa.

A lot of people certainly commute outside of Bowmanville for work, but the town has some economic pillars of its own, including the Bowmanville Foundry, the Darlington nuclear station, and an office for the RCMP. Toyota’s new facility is going to be ready to open in April 2020, too.

Myth: The Clarington incinerator facility is bad for your health and insurance.

The incredibly high emission levels out of the Clarington incinerator facility has raised concerns about it entering the food supply chain since 2016, possibly affecting health and related insurance. Mirka Januskiewicz, Directer of Waste Management in the Durham Region, has said “there was no impact to human health.”

How Bowmanville’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

Quick tips on insurance and driving in Bowmanville

Highways tend to attract collisions. Avoid them if you can.

Bowmanville has had access to the 401 since the 1950s, but anyone who’s driven on that highway knows just how difficult that stretch of pavement can become.

If you’re part of the 29.2% of the population that works outside the town, then try taking back roads to avoid congested areas.

This will reduce your chance of meeting the same kind of high-volume traffic that creates conditions for collisions. Even fender benders affect your rates, after all.

Avoid Bowmanville’s 3 worst intersections.

Bad intersections are bad news for your chances of avoiding collisions, plain and simple. Skirt around the town’s 3 most notorious intersections whenever possible:

  • Highway 2 and Highway 57 (voted worst in all Durham)
  • Liberty and Baseline
  • Highway 2 and Scugog

Bowmanville’s population is growing, but that won’t affect home insurance.

Don’t worry about how housing prices affect your home insurance rates. That’s usually based on the cost to repair or rebuild a home instead of being tied to the market price for the property, so you can buy a home in this growing area without worrying about having to pay higher rates later. P.S.: bundle your home and auto insurance to save on both!

Sources for fast facts about Bowmanville:

  • Statistics Canada, Bowmanville 2016 Census Profile
  • Ministry of Transportation, 2016 Road Safety Report
  • Statistics Canada, Clarington municipality 2016 Census Profile
  • DurhamRegion.com, “Bowmanville’s ‘3 Way Stop’ mocked in new punk rock song”
  • DurhamRegion.com, “Engines ready to rev this spring at Toyota’s new Bowmanville facility”
  • Clarington.net, “Official Plan: Municipality of Clarington, 2018”
  • Tip Top Auto.com, “3 Worst Intersections in Bowmanville”
  • MoneySense.ca, “Where to buy real estate in 2019: Durham Region, Ont.”

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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