Compare Oshawa car insurance quotes & save today

Oshawa, the “City that Motivates Canada,” is about 60 km east of Toronto, right off of Highway 401. With around 160,000 residents and a lack of strong public transit, driving is a necessity. And as a major hub for car manufacturing, Oshawa’s pride in driving is clear. Given the reliance on cars, having the right car insurance is also crucial. To get the best car insurance rates in Oshawa, be sure to compare quotes from multiple providers – this ensures you get the best value and coverage within the automotive hub.

Auto insurance in Ontario is a requirement. Private companies issue coverage, but the system is overlooked by the Financial Services Regulatory Authority of Ontario (FSRAO). This ensures rate increases are substantiated – simply put, an insurer can't raise rates without prior approval from the regulatory body. Rate increases also need to be backed by financial records.

Oshawa (along with the rest of Ontario) also operates under a no-fault insurance system. This doesn't mean you'll never be deemed at fault after an accident. Instead, it means that you'll generally be making claims under your own insurer, regardless of fault. 

To learn everything there is to know about auto insurance in the city, be sure to read on. When you're ready, you can also compare personalized car insurance quotes to find your best rate. We can connect you with a licensed broker who will guide you seamlessly through the process of securing your Oshawa car insurance policy. 

To further customize your car insurance, you can also add Ontario Policy Change Forms (OPCFs) to your policy. While the selection of endorsements may differ depending on the provider you choose, here are some popular options for Oshawa drivers.

In Oshawa, the average cost of car insurance is about $1,870 per year or just over $155 per month. Keep in mind, however, that rates are calculated based on your individual profile – to find the exact cost you'll be paying, be sure to compare personalized car insurance quotes with us. Below are three sample quotes our Oshawa users received from us (last updated in May 2024).

It pays to shop the market for cheap Oshawa car insurance. This is because different insurers offer different rates based on a list of personalized factors. Here, we cover a few main ones, so you can better understand how insurers come up with your quote.

While insurers are the ones that quote you, there are many steps you can take to make sure you're getting the cheapest Oshawa car insurance on the market. Here, we cover ten different tips to help lower your premium.