Unlock Savings on Car Insurance in Oshawa
Affordable coverage for drivers across Durham Region
Looking for car insurance in Oshawa that doesn’t feel complicated? You’re in the right place. At Onlia, we keep things simple—with coverage that’s easy to understand, quick to set up, and built for how you actually drive.
Whether you’re heading down the 401, commuting across Durham Region, or running errands around Oshawa Centre, we’ve got you covered with flexible protection and everyday savings.
How much does car insurance in Oshawa cost?
The average cost of car insurance in Oshawa, Ontario in 2026 is about $2,116-$2,559 per year or $176-$213 per month.
How does the cost of car insurance in Oshawa compare to the Ontario average?
Oshawa is considered a moderately priced city for car insurance—especially compared to cities with higher accident rates like Toronto and Brampton. The average cost of auto insurance in Oshawa is slightly lower than the GTA average of approximately $3,072 per year.
Get Affordable Auto Insurance in Oshawa
Auto insurance is mandatory in Oshawa and across Ontario, but that doesn’t mean you have to pay more than necessary. Rates can vary based on your location, driving habits, and coverage choices—so finding the right provider matters.
Drivers in Oshawa still benefit from comparing options and taking advantage of discounts.
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How to get the most affordable car insurance in Oshawa
Looking to lower your monthly premium? Here are proven ways Oshawa drivers can save:
Choose the Right Vehicle
Insurance companies use the CLEAR (Canadian Loss Experience Automobile Rating) system to estimate risk and repair costs. Vehicles with lower ratings typically cost less to insure.
Adjust Your Coverage
You can reduce your premium by:
Increasing your deductible
Removing optional add-ons
Customizing coverage based on your driving habits
Just be sure you still have enough protection when you need it.
Bundle Your Policies
Combining your car and home insurance can lead to significant savings—often 10–30%.
Take Advantage of Discounts
You may qualify for discounts such as:
Winter tire installation
Claims-free driving
Multi-vehicle policies
Safe driving history
Ready to Get Covered?
At Onlia, we make car insurance in Oshawa refreshingly simple:
Get a quote fast
Customize your policy
Save with smart discounts
Manage everything online
Get your Oshawa car insurance quote today
Save on car & home insurance
Bundle your car and home insurance policies with Onlia to save 20% on car and up to 30% on home coverage.
Mandatory Car Insurance in Oshawa
In order for you to drive in Ontario, you need the minimum coverage, which includes:
Third-party Liability: Protects you when you’re responsible for an auto accident in which someone else is injured, killed, or has their property damaged. Learn more about Third-party Liability coverage.
Medical, rehabilitation and attendant care benefits: Cover medical expenses, therapy, and personal care assistance for injuries from an accident including doctor visits, physiotherapy, and help with daily activities like bathing and dressing.
Uninsured Automobile: If you're in a collision where the other driver is at-fault but doesn't have insurance, your insurance provider will cover the damage to your vehicle. Learn more about Uninsured Automobile coverage.
Along with all the mandatory coverage you need to legally drive in Ontario, you can round out your policy with extra protection.
Extra coverages can include:
Family Protection: If you or a family member is hurt in a collision caused by a driver who is underinsured, we'll cover the difference up to your coverage limit.
Increased Third Party Liability: Minimize risk by boosting your liability coverage limit from $1 million to $2 million.
Enhanced Rental Automobile Package: Our enhanced get-around guarantee gives you more options when it comes to rental cars if your vehicle is damaged in an accident.
Optional Accident Benefits Coverages: Standard Accident Benefits provide compensation if you, your passengers, or pedestrians are injured, as the result of an incident. You can increase this protection by adding more coverage.
Automobile Purchase/Leased Price Guarantee: In the event of an accident that damages your vehicle beyond repair, if you bought or leased your car new, we’ll pay to replace it with a new one that’s a similar make and model.
Permission to Carry Paying Passengers: This allows you to accept compensation for giving colleagues a ride to and from your workplace.
What Impacts Your Oshawa Insurance Rate?
Car insurance in Oshawa is based on several factors, including:
Your driving history
Your age and experience
Your car and how often you drive
Your Oshawa postal code; even within the same city, insurance rates can vary
Your coverage choices
The good news? Many of these are things you can influence over time.
What affects your car insurance premium
Type of vehicle
Age, gender and years of driving experience
Typical distance driven each year
Driving history and previous at-fault collisions
Postal code
The coverage options you choose
The deductible you choose
Number of drivers on the policy
What doesn’t affect your insurance premium
Your credit history, including past bankruptcies
Your employment status
How long you’ve been at your current address
Whether you lease or own your car
Accidents where you were not at fault
Periods where you did not have car insurance (depending on your province)
The colour of your car — we don’t even ask
Choosing the right insurance for Oshawa driving
When selecting car insurance for driving in Oshawa, consider the following:
Adequate coverage: ensure the policy provides sufficient coverage for your needs, including liability, collision, and comprehensive coverage.
Accident forgiveness: look for insurance companies that offer accident forgiveness programs. Onlia works with insurers that offer this coverage to prevent your rates from increasing after your first at-fault accident.
Uninsured/underinsured motorist coverage: due to new changes to Ontario’s mandatory insurance requirements, there's a possibility of encountering uninsured or underinsured drivers. Having this coverage protects you in case of accidents.
Enhanced liability coverage: considering Oshawa’s growing population, higher liability coverage limits can provide extra protection in case of severe accidents.
Discounts and bundling: Onlia’s discounts are applied automatically and they range from small discounts on things like winter tires to bigger discounts when you bundle your car and home insurance.
Local expertise: We’re experts at insuring Ontario drivers, and we understand Oshawa’s unique driving conditions.
What Insurance Discounts are available for Oshawa Drivers?
Since car insurance is mandatory across Ontario, to help you pay the best price for your coverage, we relieve some of the pressure by finding you the best price among our insurance partners.
These discounts are also available for the most affordable car insurance in Oshawa.
Bundle Car & Home
What you can save: Up to 30% off home insurance, up to 20% off car insurance.
How you can save: Insure your home and car with Onlia.
Multi-Car
What you can save: 20% off per car.
How you can save: Insure two or more cars on the same Onlia account.
Retiree
What you can save: 5% off accident benefits coverage.
How you can save: Be retired and maintain a good driving record.
Conviction-Free
What you can save: 25%
How you can save: Have zero convictions over a three-year period.
New Car
What you can save: 10%
How you can save: Insure a car that’s less than three years old.
Winter Tires
What you can save: 2%
How you can save: Have winter tires installed.
Driving Experience
What you can save: 10% off your first year when you graduate to a new licence level.
How you can save: Have your G2 or G licence and a good driving & insurance history.
Renewal Loyalty
What you can save: 5%
How you can save: Be an Onlia customer for 3 or more years.
What Onlia's affordable car insurance includes
Whether you’re a single professional, a parent with a growing family heading into the suburbs, or a post-secondary student, Onlia has coverages to suit everyone.
Everything that’s required to drive in Ontario comes standard in our car insurance policies, plus the options you need to maximize your protection.
*Mandatory coverage
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Covers medical expenses, therapy, and personal care assistance for injuries from an accident including doctor visits, physiotherapy, and help with daily activities like bathing and dressing.
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Covers your legal liability, even if you’re partially at fault for an accident.
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Protects you on multiple fronts, like if you collide with an uninsured driver, or are a victim of a hit-and-run.
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Newly optional in Ontario, but still highly recommended to ensure the best insurance protection, accident benefits provide medical, rehab and funeral costs to you, and people named under your policy in the event of a collision.
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Helps pay to repair your car when you're deemed not at fault in a collision.
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Helps repair or replace your car in the event you collide with another car or object.
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Includes coverage for damage or loss due to fire, theft, vandalism, and more.
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You’ll have access to a rental car while yours is being repaired or replaced.
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If you or a family member is hurt in a collision caused by a driver who is underinsured, we'll cover the difference up to your policy limit.
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Your premium won’t increase over a minor conviction.
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Your premium won’t increase after your first at-fault accident.
What to know when choosing car insurance in Oshawa
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Car insurance quotes are calculated based on a number of factors, including where you live, the type of car you drive, your own driving history, and other drivers in your household. Insurance providers place importance on different variables, which may explain why your prices vary across companies.
Learn more about how your premium is calculated on our blog.
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To drive in Ontario, you must have these minimum coverages:
Third-party Liability: Protects you when you’re responsible for an auto accident in which someone else is injured, killed, or has their property damaged. Learn more about Third Party Liability coverage.
Medical, rehabilitation and attendant care benefits: Ensure everyone has access to essential recovery support.
Direct Compensation – Property Damage (DCPD): Covers damage to your vehicle when you’re in an accident that’s not your fault.
Uninsured Automobile: If you're in a collision where the other driver is at-fault but doesn't have insurance, your insurance provider will cover the damage to your vehicle. Learn more about Uninsured Automobile coverage.
Explore mandatory and optional car insurance coverages on our blog.
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To find affordable car insurance in Oshawa, choose a car with a lower CLEAR number, adjust coverage as needed, or bundle home and auto insurance.
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All other factors being equal, auto insurance is typically more expensive for Toronto residents compared to Oshawa residents. Car insurance in Oshawa is an average of $2,559 per year, whereas the average yearly premium for people who live in Toronto is $2,952.
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Yes! Comprehensive coverage costs around $100 to $300 per year and covers damage to your car not caused by a collision, including theft and fire.
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