See car insurance rates in North York, Ontario.

Part of a series on car insurance rates in Ontario.

Fast facts about auto insurance in North York

Average annual car insurance rate

Regular drivers in the city (approximately)

Collisions per year (approximately)


Collision rate for the city (approximately)

Average age (approximately)

Average household income (approximately)


Unemployment rate (approximately)


Understanding car insurance in North York, Ontario

North York is a quintessential commuting hub, which means that its residents spend a lot of time on the road every weekday. The city is framed by the 400 highway on its western edge, the 404 (Don Valley Parkway) on its eastern edge, and the 401 along most of its southern edge. The 407 runs almost parallel to its northern edge, though further north around Concord and Thornhill.

That makes highway driving a big part of everyday life in North York, even more than Mississauga or Brampton. Time spent on the road matters, especially when you consider that the part of the 401 passing through Toronto is the busiest highway in North America.

Commuting in and out of this city means you’re likely to spend 1-2 hours driving per day—and that’s a lot of road exposure factoring into your car insurance policy.

Even though most of North York’s data is just rolled into Toronto’s profile as a whole, its inherent proximity to highways means that it probably has a higher collision rate than Toronto’s core. While Toronto’s subway line does run from Finch Avenue West south all the way down to Union Station, that’s only one direction (and doesn’t help everyone in the northern or eastern parts of the city who would have to drive to the Finch station anyway.

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 North York

Myth: North York is dangerous for driving.

This one isn’t inherently true, but the city does have few notorious intersections—Jane and Finch in particular. You can also expect to find a higher amount of collisions at intersections connected to on and off ramps around highways simply due to the sheer volume of traffic that passes through the 401, 400, and 404 every day.

Myth: North York is isolated from Toronto without a car.

Also not true. North York has a subway station at Finch that runs all the way south to Union Station (on the yellow line). From the Sheppard-Yonge stop, you can ride east to the Don Mills Stop. From the Bloor-Yonge and Spadina stops, you can ride west to Kipling Station or east to Kennedy Station. It can take a while to transfer between cars, but it’s doable.

Myth: North York isn’t for young adults in their 20s or 30s.

North York is actually home to the respected York University, giving the region a healthy dose. It’s a great to grow your circle of friends, start a career, or even to start a family. You have options to climb the ladder in just about every direction, including Downtown Toronto or any of the many regions surrounding it north of the 401.

Myth: The 401 is the most dangerous highway in the country.

False. It’s definitely the busiest highway in North America, but the 401 is actually one of the safest highways on the continent as well. We just tend to see a higher number of collisions along the highway due to the sheer number of cars traveling along the highway day in and day out. This could raise the perceived risk of a collision for insurance companies’ actuarial calculations.

How North York’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 car insurance and driving in North York

Weigh the cost of parking fees against lower rates.

Parking for an entire day costs $5 at Finch Station (from 5:00 a.m. to 2:00 a.m.). That’s $25 per work week, and $1,250 over the course of a full year (assuming you get 2 weeks of vacation). If you’re on the fence about taking the subway downtown, then talk to your car insurance broker about how much money you’d save by driving to Finch instead. The lower road exposure could end up saving you enough money to make it worth the trade-off for parking and subway passes.

Avoid North York’s worst intersections whenever possible.

Jane and Finch is probably one of the most notorious intersections in the entire GTA, with slowdowns there occurring multiple times per week. It’s also wise to avoid Bathurst and Finch Avenue West, which used to be considered one of the most dangerous intersections in the whole Toronto area. You might need to rely on them if you’re new to the city, but try to learn which back roads you can take to get around them.

Commuters should consider dash cams.

Driving on and around as many highways as the ones that surround North York mean that you’re going to encounter bad drivers, stressed drivers, and distracted drivers on a daily basis.

You can still get into a collision no matter how well you drive, so consider getting a dash cam to keep a record of traffic if or when you ever need it for an insurance claim.

Consider relocating out of the student neighbourhoods.

It’s no secret that younger drivers pay more for insurance, but you may not have known that accidents can raise rates for everybody living in that area. It only takes a handful of collisions to have an effect on the actuarial science that underpins all insurance policies. Ask your broker what your rates would look like if you moved to another neighbourhood.

Sources for fast facts about North York:

  • Toronto.ca
  • Statistics Canada, 2016 Census Profile, Toronto
  • Ministry of Transportation Road Safety Report, 2016
  • Statistics Canada, 2001 Community Census Profile, North York 

Source for average insurance rates by city:

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

Google Rating: 4.8

Hot Dang! Those are some beautiful words from beautiful people.