See car insurance rates in Whitby, Ontario.

Part of a series on car insurance rates in Ontario.

Fast facts about auto insurance in Whitby

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 Whitby, Ontario

Whitby sits between Ajax and Oshawa, claiming its own piece of lakeshore real estate. While the city limits do technically stretch as far north as Glen Major, most of the city’s residents live south of the 407.

The city has a good reputation overall when it comes to risk and road exposure, which is a pretty big deal.

Here’s why: most other cities in the GTA have slightly higher car insurance rates on average because of the commuting distance to Toronto, where most of the workforce travels. 

Despite the daily slog to Toronto, Whitby’s average insurance rate still manages to stay $100-$200 lower per year compared to some neighbouring cities. Found out why below.

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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 Whitby

Myth: Whitby is just a bedroom community.

This one has truth to it. Approximately 74% of Whitby’s workforce commutes outside the city on a daily basis, so it is most definitely a community of commuters. That still leaves about one quarter of the workforce able to work within the city, so it’s not impossible to find a job close by.

Myth: Whitby’s suffers from bad traffic, just like every other GTA city.

Whitby’s traffic congestion manages to stay at a minimum, thankfully. You’ll still find plenty of congestion around Brock Street and the GO station, but the rest of the community doesn’t experience the same level of traffic most days.

Myth: It’s hard to get between Whitby and downtown Toronto.

If you have a car or live near the GO station, then you shouldn’t have much trouble. However, it’s a lot more difficult to get back to Whitby from Toronto after a social outing running late into the evening. Inter-city transport doesn’t always run after peak times, so you may need to rely on a car for social visits.

Myth: The entire city shuts down in the evening.

Only on Sundays! In all seriousness, however, many stores do tend to close at 9:00 pm on weekdays. That’s not an issue for most people on their way back from Toronto, but getting stuck in traffic after staying late could put you in a pickle.

How Whitby’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 Whitby

Commit to your car over public transportation.

Whitby’s public transportation system is limited, which means that you’ll need a car to get everywhere in the town. Since the majority of Whitby’s adult residents commute outside of the city for work on a daily basis, this probably won’t be an issue for you other than dealing with rush hour traffic all the time.

Considering moving to Whitby? Weigh the insurance savings against property taxes.

Whitby has pretty high property taxes for a bedroom community, and that can catch a lot of people off-guard—especially new home owners.

Make sure you weigh that cost against everything else, like your car insurance rates and your annual fuel costs.

Avoid Whitby’s worst intersections.

Every city has them, and a town made up of suburban sprawl and and Toronto commuters is certainly no exception. Avoid these intersections to reduce the odds of being in a collision:

  • Centre Street South and Dunlop Street West
  • Taunton Road and Brock Street
  • Consumers Drive and Paisley Court

Avoid living in areas with higher crime rates.

Whitby has a good reputation overall, but every city has criminal elements that can affect both your home and car insurance rates. If you look at Whitby’s community crime map, you’ll see higher crime rates south of Dundas Street between Highway 45, Hickory Street South, and Ontario Street East/West. Try shooting for neighbourhoods to the north-east or north-west of the intersection of Brock and Dundas to give your insurance rates an edge.

Sources for fast facts about Whitby:

  • Statistics Canada, Whitby 2016 Census Profile
  • Ministry of Transportation, 2016 Road Safety Report
  • DurhamRegion.com, “Dangerous intersection in downtown Whitby”
  • DurhamRegion.com, “Region ranks Durham’s most dangerous intersections”
  • Durham Regional Police, Community Crime Map

Source for average insurance rates by city:

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