See car insurance rates in Burlington, Ontario.

Part of a series on car insurance rates in Ontario.

Fast facts about auto insurance in Burlington

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 Burlington, Ontario

Burlington is one of the safest places to live in all of Canada, contrary to popular opinions about its south-west end. Its low crime rates lend an overall discount to the average car insurance rate in the city, although that will still vary depending on where you live, specifically.

The Skyway bridge connects Burlington to Hamilton, while the 403 and Lakeshore Road connect it to Oakville, Mississauga, and Etobicoke. Milton and Cambridge are also within a reasonable commuting distance, making it a great place to build a career and raise a family.


Burlington also has a relatively low collision rate for having such a heavy commuter presence, at just under 3% of its drivers who drive every work day. Combined with low crime rates, this creates a solid pricing advantage for the city’s residents over many other regions in the Greater Toronto Area.

Burlington’s traffic is quite heavy. That raises everyone’s amount of road exposure, in turn adding a high-risk element to commuters’ car insurance premiums. Thankfully, the city’s average rates are still quite good in despite the higher risks.

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 Burlington

Myth: Warwick isn’t safe to live.

Warwick Drive got a bad reputation a while back, but locals will tell you that it’s actually a normal neighbourhood these days. Halton is one of the safest regions in Canada (and has claimed the #1 spot recently), but it’s also worth mentioning that the Warwick Drive area may be getting a redesign soon anyway.

Myth: Burlington is just a commuter hub for the rest of the GTA.

There’s a solid economy and job market in Burlington driven by industries like finance, retail, and insurance. The city has also made efforts to foster startups at the Halton Hive, as well as technology companies through Haltech and TechPlace.

Myth: Being on the lake means warmer weather all year.

Living on the lakeshore can mean hotter and drier summers, but that doesn’t necessarily mean winters will be warmer. The Great Lakes affect regional weather, true—but most often by adding precipitation. Be ready for more snow, Burlington!

Myth: Burlington is more dangerous than other GTA cities.

Patently false. The Halton Regional Police’s crime mapping tool shows a much, much lower frequency of reported crimes than other parts of Ontario, and Burlington was ranked as the third-best place to live in Canada by MoneySense in 2015. 

How Burlington’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 for driving and insurance in Burlington

Find the lowest crime rates north of the 403 highway.

According to the Halton Police Force’s own crime mapping tool, a lot less crime tends to happen around the Nelson and Orchard areas compared to neighbourhoods immediately south of the QEW. Aldershot is also a nice area with a low crime rate.

The point here is that living in low-crime (and low-claim) areas has a positive effect on your insurance premiums, both for home and auto policies.

Avoid Burlington’s worst intersections, if possible.

Avoiding collisions means avoiding claims—and that means avoiding higher car insurance premiums! Stay away from these intersections, as identified by the Halton Regional Police:

  1. Fairview Street and Guelph Line
  2. Brant Street and Fairview Street
  3. Brant Street and North Service Road
  4. Appleby Line and Upper Middle Road
  5. Appleby Line and Dundas Street

Working in Mississauga, Oakville, or Toronto? Take the Aldershot GO Train.

Aldershot runs right through Burlington to take you eastward for your 9-5 commute. It’s not as fast as a car in good days, but the 403 gets more and more congested every year. You’re going to save yourself time and lower your road exposure, which would contribute toward lowering your car insurance premiums (all else being equal).

Traffic congestion is particularly bad, so plan accordingly!

Most people who live in Burlington want to be there, but it comes with the caveat that traffic can get really, really bad. Locals know it as inner-city traffic congestion, but commuters taking the 403 can expect regular slowdowns as well. Both the city and the highway accommodate tens of thousands of people per day at minimum.

Sources for fast facts about Burlington:

  • Ministry of Transportation, 2016 Road Safety Report
  • Statistics Canada, Burlington 2016 Census Profile
  • CrimeReports, Halton Regional Police Service
  •, “Are Major Changes in Store for This Burlington Neighbourhood?”
  •, “5 Burlington Intersections With the Most Crashes in 2017”
  • MoneySense, “Canada’s Best Places to Live 2015”
  • Burlington Economic Development Corporation, “Start-up”
  • CBC News, “Great Lakes are rapidly warming, likely to trigger more flooding and extreme weather”

Source for average insurance rates by city:

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

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