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Scarborough Car Insurance Quotes

Find Scarborough’s cheapest car insurance by comparing quotes from Canada’s leading insurance companies.

Scarborough auto insurance: compare quotes 

Located between Toronto and Pickering — immediately south of Markham — Scarborough is technically an amalgamated part of Toronto, although it has its own community council and administration. With a 2016 population of 632,098, Scarborough is a heavily populated part of the GTA, with large numbers of students and immigrants moving to the district from all corners of the world. Many major companies have chosen Scarborough to set up their headquarters, including Bell Media, Toyota Canada, President’s Choice Financial, Telus, and Aviva. The province’s busiest highway, Highway 401, passes through Scarborough, and a number of other major routes (Highway 407, Highway 404, Kingston Road) surround the area. Like with much of the GTA, Scarborough drivers face high auto insurance premiums, so it’s important that they shop around to find rates they can afford. With Surex, they can do just that.

Comparing rates from Canada's leading Auto Insurance Providers
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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

Latest Scarborough News

At Surex, our three-step process will ensure that you end up with the best car insurance available in Scarborough. 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.

  • Watch for new drivers. Scarborough is known for attracting high numbers of immigrants and students, which means the area has a lot of new drivers learning the rules of the road. Watch out for driver’s education vehicles and be especially careful when driving near educational campuses in Scarborough.

  • Winterize your ride. Scarborough has long-lasting and bitingly cold winters. Before  facing the wintery GTA roads, make sure you install four approved winter tires, pack a well-stocked emergency kit, use winter-rated washer fluid, have a fully-charged cell phone, keep your gas tank at least half full, know exactly where you’re headed, and drive with a high degree of caution. 

  • Avoid the 401. Highway 401, which cuts through Scarborough, is prone to congestion and can be especially dangerous in rain, sleet, hail, and other driving conditions. If you only need to get across town, consider an alternative east-west artery, such as Ellesmere Avenue, Lawrence Avenue, or Kingston Road. 

  • Pay attention. Distracted driving has become a major source of accidents and traffic blockage in Ontario. In an effort to crack down on distracted driving — especially caused by smartphone use while operating a vehicle — Toronto police are imposing fines of $1,000 and three demerit points for a first-time distracted driving offence. Safe driving requires your full attention, so put the phone away until you arrive at your destination. 

  • Lower your kilometres. Putting fewer kilometres on your vehicle each year can result in a lower annual premium. So even if it’s just one day per week, try to leave your car at home and instead walk, cycle, carpool, or use public transportation to get to work. 

  • Don’t miss payments. This may seem obvious, but many Ontario drivers miss payments, resulting in their insurance companies viewing them as high-risk, and therefore increasing the likelihood of a rate increase. Do whatever you need to do to never miss a payment, including setting calendar reminders, automating your payments through your online banking, setting up automatic monthly withdrawals, or paying all at once instead of in monthly installments. 

  • Compare your options. Shop around! Instead of automatically re-upping with your current insurance provider, take a few minutes each year (prior to your renewal date) and visit a rate comparison site like Surex to get a free auto quote. Provider’s rates can change, as can your situation, so it’s critical that you compare your options instead of blinding renewing with the same company — just be sure to do it prior to renewal, so if you decide to switch, you can do so without incurring a cancellation penalty.  

  • Bundling can save. If you have more than one insurance policy, ask about bundling them with the same provider — for example, you could bundle your home insurance and auto insurance. Bundling your policies not only streamlines your finances, it can save you up to 10% on your home (or condo or renter’s) insurance, and up to 15% on your car insurance. 

Best parks in Scarborough
  1. Friends of Guild Park & Gardens
  2. Cathedral Bluffs Park
  3. Scarborough Bluffs
Best Shopping Sites in Scarborough
  1. SmarCentres Scarborough
  2. Skycity Shopping Centre
  3. Kennedy Commons
Best Sights and Landmarks Scarborough
  1. Cedar Ridge Creative Centre
  2. Scarborough Museum
  3. Toronto Zoo

I liked very much the service I received. I got an excellent rate for my condo insurance policy. The process was fast and easy, my broker Karen Jean-Gilles answered all my questions. 

Sandra C. — Scarborough, ON

Annie was very nice an very helpful this is the first time someone took the time to actually explain things to me so I understood I want to say thanks more brokers should be like her!

Richard L. — Scarborough, ON

Unbelievable service, the term above and beyond doesn’t even come close to the service I have received, I had so many issues this morning and tonight I am having a bbq. Thank you Nikita!

Ryan M. — Scarborough, ON

The staff is great to deal with, the service is VERY fast and efficient. Fantastic all around.

Scott S. — Scarborough, ON

Kathy Dang is the best! She stayed up till 11pm to help me out. Always easy to get in touch with! Thank you, Kathy!!!

Nataliya R. — Scarborough, ON
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Questions to ask your Dedicated Insurance Assistant:

There are many ways to save on auto insurance, including shopping around online to find the most competitive rates, reviewing your policy annually, lowering the number of kilometres you put on your vehicle each year, bundling multiple insurance policies with the same company, installing approved winter tires during the winter months, enquiring about discounts you qualify for, paying your annual premium all at once, raising your deductibles, signing up for telematics, and purchasing a vehicle that insurers typically view as ‘low-risk’ (and therefore is cheaper to insure).

Because the factors that determine premiums vary for each driver — location, age, gender, driving history, vehicle type, vehicle usage, coverage type — it’s difficult to arrive at an average cost of auto insurance. However, most Ontario drivers can expect to pay around $1,500 annually, with $1,000 representing the low end of the range, and $2,000+ being the high end of the range. To get a better idea of what you should expect to pay, get a free car insurance quote on Surex. 

There are many ways you can lower your car insurance premium, including taking a safe driving course, shopping around for a lower rate every year, bundling policies with the same provider, asking about available discounts, using winter tires, and installing anti-theft technology in your vehicle. But if you pay attention to the tried and true methods — be a safe driver and never miss a payment — your rates will surely fall over time. 

All Ontario insurance policies must have $200,000 worth of basic Third Party Liability Coverage, meaning that you’ll be protected against costs related to damages you cause to third parties. The Financial Services Commission of Ontario (FSCO) also requires Ontario drivers to have Direct Compensation & Property Damage Coverage, Uninsured Automobile Coverage, and Statutory Accident Benefits Coverage. Beyond these mandatory coverages, there are optional coverages you can add to your policy, including Collision and Comprehensive, which will protect your vehicle against a range of non-collision related perils and damages, such as hail damage, vandalism, and theft. 

Sometimes even very safe drivers make mistakes. If you’re involved in an accident — either single-vehicle or multi-vehicle — your insurance company will use the Government of Ontario’s Fault Determination Rules to determine if you are ‘at fault’. If you are considered to be completely or partially at fault, there’s a strong likelihood that your premium will go up at your next renewal (although it’s hard to say exactly how much it will increase by). The rise in premiums could stay with you for years, resulting in a significant overall increase in your insurance costs. If you have Accident Forgiveness coverage — and it’s your first at-fault accident (ie. you had a clean driving record prior to the accident) —  your insurance premiums may not go up.