Car insurance Milton, ON
Part of a series on car insurance rates in Ontario.
Car Insurance Milton FAQs
Is car insurance cheaper in Milton?
Car insurance rates in Milton, Ontario, can vary depending on various factors, such as your driving history, vehicle type, and coverage levels you choose. It is also worth noting that Ontario has some of the highest car insurance rates in Canada. This is due in part to the mandatory coverage requirements in the province, as well as factors such as high population density and the prevalence of auto insurance fraud.
Also, areas with higher rates of accidents or theft may result in higher insurance premiums, as insurers may view drivers in those areas as being at higher risk for claims. Additionally, areas with higher population densities may also result in higher insurance rates, as there may be more cars on the road and a higher likelihood of accidents.
That being said, Milton does have lower insurance rates when compared to other nearby areas like Oakville, Brampton and Mississauga, but higher rates than other areas like St. Catharines, Woodstock and Kingston.
What is the average car insurance cost in Milton?
According to our data, the average cost of car insurance in Milton, Ontario, is $2,680. However, that price can vary depending on a variety of factors, such as:
- Insurance coverage levels: The amount of coverage you choose can also affect your insurance rates. Drivers who choose higher levels of coverage or lower deductibles may face higher premiums.
- Driving record: Your driving history can significantly impact your insurance rates. Drivers with a history of accidents or traffic violations are considered a higher risk and may face higher premiums.
- Vehicle type: Your vehicle can also affect your insurance rates. High-performance or high-risk vehicles typically cost more to insure than safer, more reliable vehicles.
- Location: Where you live can also impact your insurance rates. Areas with higher rates of accidents, thefts, or vandalism may result in higher premiums.
- Age and gender: Younger drivers and male drivers are statistically more likely to be involved in accidents, so they may face higher insurance rates.
It’s important to note that these factors can vary depending on the insurance company and your specific policy. This is why it’s always a good idea to shop around and compare quotes from multiple insurance providers in Milton to find the best rates and coverage options for your needs. Here at aha insurance, we can do that for you, saving you both time and money!
How can I save on car insurance in Milton?
There are several ways to save on car insurance in Milton, Ontario. Here are a few tips:
- Shop around: Get quotes from multiple insurance providers to compare rates and coverage options.
- Increase your deductibles: Increasing your deductibles can lower your premiums, but be sure to choose a deductible you can afford to pay if you have to file a claim.
- Bundle policies: Consider bundling your car insurance with other policies, such as home or life insurance, to get a discount.
- Maintain a clean driving record: Safe driving can help you avoid accidents and traffic violations that can increase your insurance rates.
- Take a driver training course: As a new driver, completing a driver training course can help demonstrate to insurers that you are a safe and responsible driver and may result in lower rates.
- Choose a safe and reliable vehicle: Vehicles with strong safety ratings and anti-theft devices may be eligible for lower insurance rates.
- Ask about discounts: Ask your insurance provider about any available discounts, such as discounts for good driving, loyalty discounts, or discounts for bundling policies.
Remember, the best way to save on car insurance is to compare quotes and coverage options from multiple providers and choose a policy that provides the coverage you need at a price you can afford. Learn more about how you can save on car insurance.
How will adding a new G1 or G2 driver to my insurance affect my insurance rate in Milton?
Adding a new driver to your car insurance policy in Milton, Ontario, will increase your insurance rates, but only for a G2 driver. Adding a G1 driver will not affect your premiums. This is because a G1 driver is required to have a licensed G driver accompanying them while driving. Therefore, only after acquiring a G2 license, where the new driver can drive your vehicle on their own, must they be added to your insurance policy.
New drivers are considered to be high risk due to their lack of driving experience and a higher likelihood of being involved in accidents. As such, you will receive a premium increase once you add a G2 licenced driver. However, the exact amount that your rates will increase will depend on a variety of factors, including the age and driving record of the new driver, the type of vehicle being insured, and the level of coverage you have chosen.
One way to help offset the cost of adding a new driver to your policy is to ensure that they complete a driver training course, as this can demonstrate to insurers that they are a safe and responsible driver. Additionally, you may be eligible for discounts or other cost-saving measures, such as bundling policies or increasing your deductibles.
Don’t hesitate to reach out to aha insurance to speak with one of our licenced insurance brokers directly to help you better understand how adding a new driver to your policy will affect your rates and explore options for keeping your insurance costs manageable!
How much is it to insure a car in Milton?
The best way to determine how much it will cost to insure your car in Milton is to get quotes from multiple insurance providers, as there is no one set price. Be sure to compare the same coverage levels and deductibles to ensure an accurate comparison. Additionally, ask your provider or broker about any discounts or special programs that may be available to you, such as discounts for safe driving or bundling your insurance policies.
You can also take steps to lower your car insurance rates in Milton or any other city in Ontario. Maintaining a clean driving record, choosing a safe and reliable vehicle and bundling your insurance policies are all strategies that can help lower your insurance rates over time.
What are the three types of car insurance in Milton?
In Milton, Ontario, there are actually several types of car insurance coverage options available. Nevertheless, the three main types are:
Third-Party Liability Coverage
This is mandatory car insurance coverage in Ontario that covers you if you’re responsible for injuring someone or damaging their property while driving your vehicle. This is part of a standard car insurance policy, which also includes accident benefits coverage, which provides coverage for medical expenses and income replacement if you’re injured in an accident, and uninsured motorist coverage, which provides coverage if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages. It also includes direct compensation – property damage (DC-PD) coverage, which covers property damage to your vehicle in an accident for which you are not at fault.
Collision Coverage
This type of optional car insurance coverage protects you against financial loss in the event of an at-fault accident that damages your vehicle. This coverage can help pay for the repair or replacement of your vehicle up to the actual cash value of the vehicle at the time of the accident. Collision coverage is typically subject to a deductible, which you must pay out of pocket before the insurance coverage kicks in. Suppose you have a newer or more valuable vehicle. In that case, collision coverage can be a good option to help protect your investment and ensure you have the financial means to repair or replace your vehicle if it’s damaged in an accident.
Comprehensive Coverage
This is also optional car insurance coverage that protects against damage to your vehicle that is not caused by a collision, such as theft, vandalism, or weather-related damage. This coverage can help pay for the repair or replacement of your vehicle up to the actual cash value at the time of the incident. Like collision coverage, comprehensive coverage is typically subject to a deductible, which is the amount you must pay out of pocket before the insurance coverage kicks in. Comprehensive coverage can be a good option for drivers who want extra vehicle protection beyond what is required by law, particularly for those living in areas with a higher risk of theft or weather-related damage.
Learn more about Ontario’s three types of insurance coverage and how much coverage you should have for each.
Who regulates car insurance rates in Milton?
In Milton, Ontario, car insurance rates are regulated by the Financial Services Regulatory Authority of Ontario (FSRA). The FSRA is a government agency responsible for regulating insurance and other financial services in Ontario.
Under Ontario law, insurance providers must file their rates with the FSRA for approval before they can be implemented. The FSRA reviews these rates to ensure that they are fair and reasonable and that they comply with all applicable laws and regulations.
If you are concerned about the rates you are being charged for car insurance in Milton, contact the FSRA for assistance. They can provide information about your consumer rights and investigate complaints or issues related to insurance rates or policies.
Fast facts about auto insurance in Milton
Average annual car insurance rate
Regular drivers in the city
Collisions per year (approximately)
%
Collision rate for the city
Average age
Average household income
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Unemployment rate
Population
Understanding car insurance in Milton, Ontario
South of Brampton and west of Mississauga, Milton has become Canada’s fastest-growing city in short order. That has a lot to do with Milton’s proximity those cities, as about three-quarters of the city’s workforce commutes outside of the city for work.
Normally that transates to higher car insurance rates, since spending more time on the road raises your exposure to the risk of a collision or some kind of damage. Unlike most other satellite cities in the GTA, however, Milton’s rates have managed to remain comparatively low.
That could be due to Milton’s young population (barely 34, on average) with fewer children included on policies in general. The city’s collision fatality rate is also pretty low compared to the rest of the Halton Region, which could help when actuaries
Perhaps more than anything, though, Milton resides in Halton, one of the safest regions in Ontario (and Canada). Fewer car thefts, collisions, and claims all around has a positive impact on car insurance rates for everybody in the area.
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 Milton
Myth: Proximity to Toronto raises car insurance rates for Milton.
Not true. Living in Toronto doesn’t affect anyone’s premiums. In fact, Toronto’s average car insurance rates are actually quite reasonable, since so many people walk or take public transit to work. Milton is fortunate that it gets to keep a fairly low car insurance rate despite being a commuter city, though.
Myth: Living in Milton means leaving extra-early every morning.
There’s actually evidence to suggest this is the case for many professionals driving out of Milton each day. According to Statistics Canada, 30.2% of Milton’s entire commuting workforce departs between 7:00 AM – 7:59 AM. That’s more than any other hour of the day by a significant margin.
Myth: Milton isn’t safe to live.
Not true. Any city would see a rise in crime rates by growing so rapidly, but that’s always relative to the population size. That’s why they call it “reported crimes per capita.”
In fact, the region of Halton is one of the safest in the province and the country and has been for nearly a decade.
Myth: Everything costs less in Milton, including real estate.
Milton can definitely attribute its growth t0 an affordable real estate market, but that’s not going to remain the case forever. According to a real estate report from Royal Lepage, Milton’s aggregate home price increased 5% between 2019 and 2020. What we can tell you is that car insurance here can cost less.
How Milton’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 Milton
Expect your commute to raise your car insurance premiums.
Milton is situated right between Toronto, Oakville, Hamilton, Guelph, and Mississauga. It’s no surprise that only 26.6% of the workforce actually works within the city itself.
If you’re one of the 73.4% that commutes outside the city for work, then expect all of that extra road time to raise your rates. More time on the road means more exposure to risk, which affecs the statistical odds of being involved in a collision of some kind.
Negotiate some work-from-home days with your employer to reduce road exposure.
If you do fall under the majority of Miltonians who commute outside the city every day, then try to negotiate a day of working from home every week. This will reduce the amount of time you spend on the road by approximately 20%.
Tell your insurance carrier about the reduced kilometres driven per year. This could help reduce your rates, if everything else stays the same.
Steer clear of Milton’s most dangerous intersections to reduce collisions.
Some intersections just weren’t designed with visibility, left-hand turns, or pedestrian safety in mind—and Milton has its fair share of them. Avoid these places to reduce your chances of a collision:
- Derry Road and Thompson Road South
- Trafalgar Road and Britannia Road
- Steeles Avenue East and Martin Street
Try moving into neighbourhoods with fewer reported crimes.
Milton has grown rapidly in the last decade, becoming a commuter residency of choice. It’s even Canada’s fastest-growing city! With larger populations come a commensurate rise in crime, unfortunately. According to the Halton Police’s community crime map, you’re less likely to deal with that in Timberlea, Bronte Meadows, central Milmott, and south-center Harrison.
Sources for fast facts about Milton:
- Statistics Canada, Milton 2016 Census Profile
- Ministry of Transportation, 2016 Road Safety Report
- In Halton, “5 Milton and Halton Hills Intersections With the Most Crashes in 2017”
- Halton Police Community Crime Mapping Tool
- Inside Halton, “Halton maintains lowest crime severity index in Canada for 13th straight year”
- In Halton, “Here’s how much Oakville and Milton house prices increased in 2019”
Source for average insurance rates by city:
- Survey of 2,800 auto insurance policy holders in Ontario
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