Compare Car Insurance Quotes

In 3 Minutes, Save 32% on Average. Compare Quotes from 50+ Providers for Free!


Oshawa is a Canadian city in southern Ontario. It comes under the regional municipality of Durham. The most prominent industry is related to automotive in this city. Earlier Oshawa was famed as the automotive capital of the country but is also now considered a hub for health sciences and education purposes. As per the 2011 census, the population of Oshawa was estimated at about 149,607. The GO Transit connects the city with Hamilton and Toronto along the corridors of Highway 2 and 401.

We conducted a comparison of car insurance rates by major insurers in Oshawa. The rates of car insurance prices for various neighborhoods in Oshawa had a comparative range. In order to calculate the car insurance rates, we used a sample vehicle and driver profile.

Who Has the Cheapest Car Insurance Quotes in Oshawa

RankAuto Insurance CompanyAnnual Rate*
2Travellers (Dominion Product)$1,953
4Gore Mutual$1,983
5The Co-operators$1,987
6Travellers (Chieftain Product)$2,040
9Wawanesa Insurance$2,510

Most Expensive Auto Insurer in Oshawa


The above comparison chart shows car insurance rates for major insurance companies in Oshawa. Echelon Insurance quoted the highest rate for car insurance at an average annual cost of $3318 based on a sample profile. This insurance company provides coverage to consumers who could not easily get insurance in the regular market due to their high-risk scores. The difference in premiums between their quote and the lowest quote was $1401. This showed a variation in cost by almost 42%. The Economical Insurance had the next highest quote for car insurance at an annual cost of $2889. Their quote came up $429 lower than the quote by Echelon Insurance.

Cheapest Auto Insurer in Oshawa

During the comparison, we noted that Belairdirect Insurance had the lowest quote for car insurance. The average annual cost for a car insurance quote for them was $1917. Following closely, the next lowest quote was at an annual cost of $1953. Travelers (Dominion Product) and Johnson Insurance had the same car insurance rates calculated using the sample profile for car and driver.

Car Insurance in Oshawa Neighborhoods

NeighborhoodsCar Insurance can be as low as*
Rural Oshawa$1,240
North Oshawa$1,256
Central Oshawa$1,256

Most Expensive Areas For Car Insurance in Oshawa

Windfields area in Oshawa had the highest premiums calculated for car insurance. The average annual cost for this area was $1399. As part of the Durham municipality, this region falls under the low-income category. The crime rate per capita is also on the higher side. Around three more areas in Oshawa had the same prices calculated. These areas included Northglen, Pinecrest, and Taunton. The Northern area has much traffic as there is an airport and golf club.

Least Expensive Areas For Car Insurance in Oshawa

Vanier neighborhood in Oshawa had the lowest car insurance quote calculated based on the sample profile. The average annual cost for this area was estimated at $1001. This area is mostly residential and around 46% of the residents prefer to drive rather than use transit. This is a family-oriented community and homes are mostly owned instead of renting.

Transportation And Road Safety In Oshawa


The city of Oshawa has adopted a policy for street naming since 2003 to honor valiant veterans who served in Canada’s peacekeeping efforts in the military. The street naming policy has used around 58 names of veterans and war heroes to name the streets in the City of Oshawa.

Oshawa is part of the Durham region. Hence the transportation network of Oshawa is part of the Region of Durham Safety Improvement Program for better road infrastructure. This program is aimed at improving road safety based on many parameters. These include collision rates at intersections, the severity of collisions, and comparison of different collision sites.

Traffic Signal Management In Oshawa


The Region of Durham is responsible for manning and operating the traffic signals for Oshawa. These signals are very crucial in directing pedestrians and vehicles at crosswalks and busy intersections. The departments that are responsible for maintaining the transportation network of Oshawa is as follows:

  • Works Department: The Works Department is responsible for manning these traffic signals and ensuring their functioning. The 470 signals in this area are managed by the Works department for traffic control purposes. Each year the department adds about 25 new signals to improve safety.
  • Traffic Engineering & Operations Division: This department is responsible for the designs, plans, operations, constructions, and maintenance of signals for traffic control in Durham. They are not responsible for traffic signals in rural provincial Highways 48, 7, 12, and 7A.

Strategic Plan for Durham Region: 2015-2019

The region of Durham has devised a strategic plan spanning over the next 5 years to improve road infrastructure. The city of Oshawa will also come under the scope of this plan. The main focus area of this plan also includes the designing, planning, and construction of regional roadways and bridges in the region. An important achievement of this plan was in Spring 2016 when, a section of the new Highway 407 opened to drivers and reduced traffic congestion in the route between Brock Road, Pickering to Harmony Road, Oshawa.

Busiest Intersections in Oshawa

As per the Region of Durham, there are some intersections in Oshawa that are considered more prone to collisions and really need some improvements for road safety. Then there are other busy intersections in Oshawa that have too many residents complaining about accidents involving motorists and are dangerous.

The following list has the most dangerous and collision-prone intersections of Oshawa.

  • Ritson and Adelaide
  • Townline Road and Olive Avenue
  • Gibbons Street and Rossland Road
  • Bond Street and Oshawa Boulevard
  • Orchardview Boulevard and Sommerville Street
  • Bloor Street and Harmony Road
  • Taunton Road and Harmony Road
  • Bond Street and Ritson Road
  • Ritson Road and King Street
  • Mary Street and Rossland Road
  • Bloor Street and Simcoe Street

Dangerous Intersections With No Traffic Signals

  • Viola Street and Ritson Road
  • Russett Avenue and Simcoe Street
  • Coates Road and Simcoe Street
  • Toronto Street and Ritson Road
  • Conlin Road and Harmony Road
  • Ritson Road and Winchester Road

* Methodology

For the survey, we assumed that the auto insurance premiums are for a 35-year-old man who owns his car Honda Civic model 2012. The credit rating is good and he has basic liability coverage. The annual mileage ranges from 5,000 to 8,000 with no traffic tickets in the last 5 years.

Insurance quotes shown here are examples only. The lowest cost insurance provider depends on numerous factors related to the car, driver, location, and driving conditions. There’s no guarantee that the lowest rate provider in these examples produces the lowest rate for every driver.


About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.