Car insurance Richmond Hill, ON

Part of a series on car insurance rates in Ontario.

Fast facts about auto insurance in Richmond Hill

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 Richmond Hill, Ontario

Richmond Hill sits north of downtown Toronto as a major commuter hub for the rest of the GTA. A safe place to live, work, and raise a family, it’s quite appealing for people who need more than a downtown apartment.

Contrary to popular belief, Richmond Hill’s drivers do not cause an inordinate number of accidents in the city. The collision rate among regular drivers only sits at 2.58%, which is much lower than some other cities in Ontario.

Despite that reasonable collision rate, auto insurance rates in the area do fall on the higher end of the spectrum for a few key reasons.

Richmond Hill’s drivers get caught in the same snare as every other borough in the GTA, which is the amount of risk they’re exposed to on the road. 77.7% of the city’s workforce commutes to other cities on a daily basis. Since total distance travelled per year has a direct impact on auto insurance rates (through exposure to risk), you can bet this drives up the average rate.

It’s also important to note that Richmond Hill’s collisions also result in the highest number of injuries and fatallities throughout the entire York Region. Medical treatment and rehabilitation costs much more than repairing a car, so this likely drives up rates for the area as well.

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 Richmond Hill

Myth: Richmond Hill is so safe it’s kind of boring.

Not quite true, but kind of! Richmond Hill was ranked as one of the top 6 places to live in Canada in 2014. Those rankings fluctuate every year, but but it’s clearly a great place to raise kids and build a career. People in their 20s might not like the night life or the distances to more urban hubs, but it’s a middle aged paradise.

Myth: Richmond Hill is full of bad drivers.

Not true. While everyone thinks that people in their cities are bad drivers, Richmond Hill’s moderate collision rate of 2.58% shows that its drivers really don’t cause more accidents than most other cities in Ontario.

Myth: Everybody in Richmond Hill works in Toronto.

Actually, just 46.9% of Richmond Hill’s workforce commutes outside of York Region on a regular work day, but that’s still a lot. Another 30.6% of the workforce commutes to another city within York Region for work. While that’s more than 75% of the workforce commuting outside the city, not all of those people are headed for Toronto.

Myth: Public transit is awful and leaves the city cut off from Toronto.

In April 2019, the Ontario Government revealed plans to extend Toronto’s subway system with a stop at Richmond Hill Centre (for 2027). Other than that, use of public transit has only increased from 13.2% to 15.2% between 2006 and 2016.

How Richmond Hill’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 Richmond Hill

Hitch a ride with the TTC if you live in the south end.

Toronto Transit reaches the southern tip of Richmond Hill, which can be a huge bonus if you’re living in that end of town. Taking the bus—or even driving to the subway stop in Vaughan—can drastically reduce your car insurance rates by cutting down on your total distance driven. Carpooling to the subway is a fantastic way to save on insurance and fuel all at once.

Carpool for your commute to cut down your road exposure.

Commutes in the GTA are only getting longer as additional congestion slows down everybody on highways (a study found we travel around 30 km/h in the morning and 20km/h in the evening). Carpooling will cut down your total commuting distance per year if you alternate with a travel partner, reducing your overall car insurance rates. The HOV lanes could save you some time as well!

Main roads experience higher crime rates than neighbourhoods.

Crime rates and claims rates (often related to crime and damages) have a direct impact on your car insurance because it increases the likelihood of you filing a claim in some way, shape, or form.

According to the York Region Police crime map,crimes in Richmond Hill tend to occur along or near main roads. Help reduce your rates by living in a neighbourhood away from main arterial roads. This also helps with your home insurance rates, so it’s totally worth reviewing where in the city you could get a better rate between discounts on both policies.

Watch out for red light cameras!

Technically, red light camera tickets don’t result in demerit points because the camera can only confirm your license plate, not your face or driver’s license. They still cost money though, so watch out at these intersections:

  • Bathurst and King Road
  • Bayview Avenue and Crosby Avenue
  • Elgin Mills Road and Enford Road
  • Highway 7 and Red Maple Road
  • Stouffville Road and Bayview Avenue
  • Yonge Street and Jefferson Avenue

Sources for facts about Richmond Hill:

  • Ministry of Transportation, 2016 Road Safety Report
  • Statistics Canada, Richmond Hill 2016 Census Profile
  • YorkRegion.com, “Richmond Hill in top 6 places to live in Canada”
  • RichmondHill.ca, “2016 Census Profile on the Town of Richmond Hill
    Release #6: Education, Labour, Journey to work, Mobility and
    migration, and Language of work”
  • The Star, “Richmond Hill driven to solve commuter culture crisis”
  • YorkRegion.com, “Afternoon rush hour times worsen in York Region: study”
  • CBC News, “Doug Ford commits $11.2B for 4 major Toronto-area transit projects”
  • York.ca, “Red Light Cameras”

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.