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Oshawa Car Insurance

Multiple Car Insurance Quotes + a Real Person To Help You Along The Way

Oshawa auto insurance: compare quotes 

Located just 60 km east of Toronto, Oshawa is generally considered the eastern boundary of the GTA and of Ontario’s densely populated Golden Horseshoe region. According to the 2016 census, Oshawa is home to 159,458 residents, making it the most populous city in the Regional Municipality of Durham. Once heralded the ‘Automotive Capital of Canada’, Oshawa’s economy is no longer as closely tied to automotive manufacturing, now relying heavily on life sciences, health technology, research, and post-secondary education. While no longer the automotive producer it once was, Oshawa is still surrounded by vehicles, with highways 401, 407, 412, 2, and 3 all within close proximity to the city. If you live in Oshawa, there’s a reasonable chance you own a car — and if you own a car, you need to protect it. Let Surex help you find the best auto insurance coverage at the most competitive price. 

Comparing rates from Canada's leading Auto Insurance Providers
Wawanesa Insurance
Pembridge Insurance
Intact Insurance
Jevco Insurance
Customize your coverage
Accident Forgiveness
This allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same company.
Car Rental Coverage
You can have your car insurance coverage extend to protect you while driving a rental vehicle up to a certain limit.
Collision Coverage
Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run or with an uninsured driver.
Comprehensive Coverage
Subject to a deductible typically covers fire, hail, theft, collision with an animal, vandalism and falling objects among others.
Depreciation Coverage
In the event of a "Total Loss" this coverage will protect you from depreciation. You’ll be entitled to the original price you paid/current sale price.
Family protection
Protects you or a family member if injured or killed in an accident caused by an uninsured/under-insured motorist.
Third Party Liability Coverage
When deemed legally responsible, provides coverage for injuries or damage caused by you to third parties and their property.
Windshield Coverage
Windows are included in comprehensive, however, you have the option to remove this coverage in order to lower your premium. *AB it is not included

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At Surex, our three-step process will ensure that you end up with the best car insurance available in Oshawa. Here’s how it works:

  1. Personalized insurance quotes: Surex will capture some of your basic information — either by phone or online — and then shop the market for you. In under 10 minutes, you’ll have up to 10 personalized insurance offers to choose from.

  2. Customize your offers. Once you receive the initial quote, you can edit your information and compare quotes to find the best overall value.

  3. Purchase and manage 24/7. Once you’ve selected a quote & reviewed the policy with your dedicated assistant, you can electronically sign documents to receive an instant proof of insurance. If you’d rather speak with with someone we will connect you with a Dedicated Insurance Assistant to walk you through all the options and answer any questions you might have. Once finished, your documents will arrive in the mail and you can manage your policy 24/7 with our ‘My Surex’ login feature.

  • Mind the students. Oshawa is home to three major post-secondary institutions: Durham College, Trent University Durham, and the University of Ontario Institute of Technology. That means students are all over Oshawa’s roads — as new drivers, cyclists, and pedestrians. To avoid any on-road incidents, drive cautiously and defensively, especially in the city’s downtown and around the busy campuses. 

  • Know the one-ways. In order to calm traffic in residential neighbourhoods and ease rush hour congestion throughout the city, Oshawa has a high volume of one-way streets. Some of Oshawa’s one-way streets are notoriously confusing to navigate, especially for drivers unfamiliar with the city. Be sure you’re comfortable with your route before getting behind the wheel in Oshawa, and always program your GPS navigation device prior to putting your vehicle in drive.

  • Be highway savvy. There’s no two ways about it: Oshawa is a city dominated by highways. So whether you’re taking Highway 401, Highway 407, or Highway 412, make sure you merge quickly but carefully, stay updated on inclimate weather, avoid distractions (put your phone away!), and follow the rules of the road. 

  • Get ready for winter. Situated on the north shore of Lake Ontario, Oshawa sees harsh winter weather and cold fronts rolling in off the lake. To stay safe on Oshaway’s icy and snowy winter roads, install four approved winter tires, keep a well-stocked emergency kit in your vehicle, carry a snow scraper, keep your tires at the recommended pressure, and drive with extra caution. 

  • Pick your car carefully. People tend to overlook the impact that vehicle make and model have on insurance premiums. Unlike age, gender, and location, your vehicle is one determining factor that you can control, so think about insurance when selecting your next car. There’s a good chance that a safety-focused sedan will attract lower-risk drivers than a flashy sports car (and is likely cheaper to repair or replace), and will therefore fetch lower rates, but the only way to be sure is by getting a free quote and speaking with a Personal Insurance Assistant. 

  • Shop around. With car insurance, you should always compare your options! Every driver’s needs are unique, and every insurance provider offers different rates, different coverages, and different discounts, so shopping around is the best way to find exactly what you need. And remember, rates can change — as can your personal situation — so a good rule of thumb is to get an updated quote each year before renewal. This gives you enough time to switch insurance companies without incurring cancellation penalties for not seeing your 12-month policy through to the end. 

  • Keep a clean record. One of the best ways to signal to your insurance company that you’re a low-risk customer is by keeping a clean driving record. By following the rules of the road, avoiding at-fault incidents, and minimizing the number of minor claims you make, you should begin to see your premiums drop in your mid-twenties, and then again in your sixties. Also, ask your Dedicated Insurance Assistant if you qualify for any discounts, such as Accident-Free or Claims-Free. 

  • Raise your deductibles. Requesting to raise the amount you pay in the event of a claim is an easy way to lower your car annual insurance premium. However, keep in mind that you should be in a position to comfortably afford the higher deductible should you ever need to make a claim. It’s an effective strategy for lowering your annual rates, but perhaps not advisable to all drivers. 

Best parks in Oshawa
  1. Lakefront West Park
  2. North Oshawa Park
  3. The Oshawa Valley Botanical Gardens
Best Shopping Sights in Oshawa
  1. Tip Top
  2. Oshawa Centre
  3. SmartCentres Oshawa
Best Sights and Landmarks Oshawa
  1. Oshawa Museum
  2. Canadian Automotive Museum
  3. Ontario Regiment Museum

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Questions to ask your Dedicated Insurance Assistant:

Finding affordable car insurance in Oshawa — or anywhere in the GTA — can be challenging. Because insurance companies offer different rates, drivers should spend some time comparing their options online before selecting a policy. Rate comparison sites like Surex allow drivers to quickly and easily compare rates from among many of Canada’s leading insurance providers. Once drivers have found a rate they’re happy with, they can then connect with a Dedicated Insurance Assistant and enquire about what discounts they qualify for. Comparing rates online and asking about discounts are effective ways to find cheap car insurance in Oshawa. 

Because car insurance rates are determined by factors that will change for each driver — e.g. age, sex, vehicle make and model, driving history, neighbourhood, occupation, etc. — it’s impossible to pinpoint what it costs to insure a car in Oshawa. What is clear is that drivers in Oshawa tend to pay higher-than-average rates for car insurance, so shopping around to find the lowest rates is especially important. And don’t forget to ask your Dedicated Insurance Assistant if you qualify for any discounts.

Yes. Before you drive a car off the lot, you need to prove to the dealership that your new vehicle is adequately insured. Changing the vehicle on your policy — or adding a vehicle to your policy — isn’t complicated, but be sure to give your insurance company as much advance notice as possible. That way, you’ll be ready to go when you close the deal and have the keys in hand. As for the rest of the paperwork, the dealership will help you sort everything out (ie. ownership, licence plates, finances, etc).

Auto insurance premiums are based on a range of factors, some of which pertain to the vehicle make and model, others look to the situation of the driver. Because of this, it’s difficult to say exactly which cars are the cheapest to insure, as so much is riding on the driver being insurance. However, certain cars tend to be deemed safer and lower-risk in the eyes of insurers. Based on data from, the five cheapest new cars to insure in 2019 in Ontario are: (1) 2019 Toyota Prius, (2) 2019 Chevrolet Cruze, (3) 2019 KIA Sedona, (4) 2019 Nissan Versa, (5) 2018 Ford Focus. 

No. This is one of the many myths circulating about auto insurance. The reality is that car colour is not a factor in determining rates, so you can choose the colour of your dreams and rest easy knowing that it won’t have an impact on your premium. While not all of the determining factors are in your control (e.g. age and gender), remember to influence what you can to get low rates: shop around, ask about discounts, never miss a payment, avoid making minor claims, and keep a clean driving record.