Car insurance Milton, ON

Part of a series on car insurance rates in Ontario.

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


Unemployment rate


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 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 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

Google Rating: 4.8

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