See car insurance rates in Pickering, Ontario.

See car insurance rates in Pickering, Ontario.

Fast facts about auto insurance in Pickering

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 Pickering, Ontario

Pickering is a classing GTA bedroom community that checks all the boxes for young professionals and established families. It’s far enough outside of Toronto to provide more affordable housing, but it doesn’t sit at the edge of the GTA’s limits.

Crime rates are reasonably low, and the average age of its residents just spills over 40, speaking to plenty of driving experience. It’s a good place to call home.

Low crime rates, great driving records, and safe vehicles go a long way toward lower auto insurance rates, but road exposure also counts for a lot—and that’s where Pickering sees its average auto rate slide into the upper-middle end of the spectrum.

Commuting for hours per day increases your risk of a collision substantially, especially during rush hour (and who isn’t commuting during rush hour?).

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 Pickering

Myth: If you move to Pickering then you can expect to work in Toronto.

With 33.46% of Pickering’s entire population commuting outside of the city itself for work on a daily basis, it’s very likely that you’ll end up working in Toronto if you live in Pickering. This one is definitely true.

Myth: Improvements to the 401 will improve the commute into Toronto.

Don’t bet on it any time soon. While the provincial government does have plans to improve the stretch of Highway 401 between Scarborough and Pickering, it won’t be completed until 2023 at the earliest. It also won’t reduce your annual commuting distance driven, so your car insurance rate won’t improve from this, either.

Myth: If you just leave earlier for work then you can skip the 401’s congestion.

Data from Statistics Canada shows that 27.28% of Pickering’s work force already leaves for work between 7:00 am and 7:59 am, which is more popular than any other departure time. Leave any earlier and you could find the office doors locked.

Myth: GO Transit stations are too crowded for you to use them.

You might just be in luck! GO Stations have parking spots reserved for car pool vehicles (with free permits), and Durham Region owns various parking lots specifically for car poolers, too. The region has also created dedicaed parking lots for car pool vehicles in various spots, so you don’t necessarily need to live right by the GO station to make it work.

How Pickering’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
  • Pickering: $3,246
  • 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 insurance and driving in Pickering

Live near the Pickering GO Station.

You can reduce your auto premiums significantly by reducing your annual commuting distance. That reduces your exposure to risk on the road, which is why should lower your rates (relative to every other factor on your car insurance policy.

In this case, taking the GO train into Toronto instead of driving on the 401 or Kingston Road will go a long way.

Avoid Pickering’s most dangerous intersections.

There are two intersections in Pickering that are simply more dangerous than the rest:

  • Pickering Parkway and Brock Road
  • Whites Road and Whites Road

Avoiding these two places will reduce your odds of a collision, helping to keep your driving record claims-free for as long as possible.

Carpool and use HOV lanes if you can’t take the GO train.

Driving instead of lounging on a train is the reality for most of us on our morning commute. More road exposure is a major factor in calculating an auto premium, making that more expensive for a city of long-distance commuters.

However, you can reduce your road exposure by carpooling with a friend or coworker, alternating days as the driver.

Just 3 measly minutes to your marvelous rate.

Racking up the likes, baby!

Best insurance by far.


Christina L.

I highly recommend this insurance company and if all their employees are like Andrea, their customer service is excellent!!


Kathleen G.

I am so happy to find company like this to insure my first car... Amazingly quick customers service and great prices. 100% suggest them!!!


Petra B.

Excellent service and cheapest price I have ever got.


Ratheesh T.

Excellent!… progressive!… no more pen, and paper… ALL ONLINE!!


Van J.

Great service, patient and informative representatives, full marks.


Viraj M.

Easy and can be done at your own convenience, anytime. Response to my questions was great. Best way to get insurance.


Mark R.

I completed my car insurance quote in just a few minutes - and then I could buy it right then and there. No talking to a broker. No fuss. No muss. Pretty cool really.


Gavin M.

Had a great experience calling aha for the first time and will definitely be recommending it to all of my friends.


Alexander A.

I 100% recommend aha. Hands down one of the best companies i've trusted.


Aditya P.

Great deal, cheapest insurance i got. Highly recommend. Thank you.


Christine L.

Great service, quick easy and affordable too. The associates who helped me were both very nice and polite too. Really enjoyed my experience thank you!


Alaina H.

Had the smoothest insurance experience ever, it was quick, easy, and I had my insurance set up in minutes.


Nicole M.

Affordable and easy car insurance with great customer service. Would recommend to anyone.


Tausif F.

Sources for facts about Pickering:

  • Statistics Canada, Pickering 2016 Census Profile
  • Ministry of Transportation, 2016 Road Safety Report
  • DurhamRegion.com, “Durham’s top 10 most dangerous intersections”
  • Ontario.ca, “Ontario is Improving Highway 401 in Scarborough and Pickering”
  • CBC News, “Life in the HOV lane: video shows driver pass by 800 vehicles from Toronto to Oakville”
  • GO Transit, “Carpool Parking”
  • Durham.ca, “Carpooling”

Source for average insurance rates by city:

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

Just 3 measly minutes to your marvelous rate.

Racking up the likes, baby!

Best insurance by far.


Christina L.

I highly recommend this insurance company and if all their employees are like Andrea, their customer service is excellent!!


Kathleen G.

I am so happy to find company like this to insure my first car... Amazingly quick customers service and great prices. 100% suggest them!!!


Petra B.

Excellent service and cheapest price I have ever got.


Ratheesh T.

Excellent!… progressive!… no more pen, and paper… ALL ONLINE!!


Van J.

Great service, patient and informative representatives, full marks.


Viraj M.

Easy and can be done at your own convenience, anytime. Response to my questions was great. Best way to get insurance.


Mark R.

I completed my car insurance quote in just a few minutes - and then I could buy it right then and there. No talking to a broker. No fuss. No muss. Pretty cool really.


Gavin M.

Had a great experience calling aha for the first time and will definitely be recommending it to all of my friends.


Alexander A.

I 100% recommend aha. Hands down one of the best companies i've trusted.


Aditya P.

Great deal, cheapest insurance i got. Highly recommend. Thank you.


Christine L.

Great service, quick easy and affordable too. The associates who helped me were both very nice and polite too. Really enjoyed my experience thank you!


Alaina H.

Had the smoothest insurance experience ever, it was quick, easy, and I had my insurance set up in minutes.


Nicole M.

Affordable and easy car insurance with great customer service. Would recommend to anyone.


Tausif F.

Sources for facts about Pickering:

  • Statistics Canada, Pickering 2016 Census Profile
  • Ministry of Transportation, 2016 Road Safety Report
  • DurhamRegion.com, “Durham’s top 10 most dangerous intersections”
  • Ontario.ca, “Ontario is Improving Highway 401 in Scarborough and Pickering”
  • CBC News, “Life in the HOV lane: video shows driver pass by 800 vehicles from Toronto to Oakville”
  • GO Transit, “Carpool Parking”
  • Durham.ca, “Carpooling”

Source for average insurance rates by city:

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

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