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Car Insurance in Scarborough

Every year, thousands of Scarborough residents use to save money on car insurance.

Our service is free, the process is fast, and since March 2018, we have saved drivers in Scarborough an average of $871 on their annual premiums.*

Are you looking for cheap car insurance in Scarborough? Then use to compare quotes from Canada’s top insurance providers and start saving today.

A brief overview of Scarborough

Has any place in Canada been through as much change in its short history as Scarborough, Ontario? Once known as Glasgow, the area was renamed Scarborough in 1793, became an official township in 1850, joined Metropolitan Toronto in 1953, was recognized as independent city in 1983, and then following amalgamation in 1998, became part of the new city of Toronto.

Despite this rapid change, or perhaps because of it, Scarborough has retained a unique identity, and locals are fiercely proud of their “hometown.” You will likely know some of them: Mike Myers, John Candy, Jim Carey, The Barenaked Ladies, Kardinal Offishall and The Weeknd have all called this eclectic place home at one time or another.

Bordering Steeles Avenue and Markham to the north, Rouge River and Pickering to the East, Victoria Park Avenue to the West and Lake Ontario to the south, Scarborough has as contrasting a landscape as you can find in such a relatively small area. Depending on which part of Scarborough you visit, you could see farmsteads and fields, natural woodlands, a modern cityscape with tower blocks, bars and restaurants, or a picturesque waterfront, noted for its white cliffs and multi-million dollar homes.

Scarborough, Ontario aerial view

Scarborough is not just unique because of its varied landscape. The demographics of this area are startlingly diverse: according to the latest census, 60 percent of residents were born outside of Canada and they come from over 50 different countries. This multitude of cultures and spoken languages makes for a vibrant and dynamic area, belying the nickname “Scarberia” – used to denote Scarborough’s location in the very east end of Toronto.

Due to this diversity, it is hardly surprising that something as variable as car insurance can fluctuate wildly across Scarborough. Check out's insuramap to see the average car insurance premium for your neighbourhood. Make sure you are getting the best possible price on Scarborough car insurance by completing our quick form and comparing rates from Canada’s top insurance providers.

Once you are covered, you can hop in the car and enjoy a visit to the Toronto Zoo, Rouge Park or the Scarborough Bluffs, to name just a few of Scarborough’s unique attractions.

Driving in Scarborough

In recent years, the area has been caught in the middle of a fierce debate over the proposed construction of a new subway line to Scarborough Town Centre.

In the meantime, locals rely on a complex network of buses, trains and a light metro line. These routes are operated by a combination of the TTC, GO Transit and York Region Transit.

Owing to this complicated setup, and perhaps influenced by its rich automotive history, Scarborough residents drive considerably more than their downtown Toronto counterparts.

Did you know, Scarborough was once home to a large GM Assembly plant, and is today the location of Toyota Canada’s HQ?

According to the latest census data (2016), 147,215 residents of Scarborough drive to work. This number doesn’t include passengers, meaning there are 147,215 individual vehicles on the road every single working day. At peak travel times, this equates to 784.3 moving vehicles per square kilometre!

2016 Census Data for Scarborough (includes all six Federal Electoral Districts)

631,884 residents

266,350 commuters

147,215 commuters drive to work (not including passengers)

102,530 residents spend more than 45 minutes commuting to work

All data found on Statistics Canada Website: 2016 Census Program

Boasting an extensive grid system of interconnecting arterial roads and a sizeable chunk of the 401 highway, Scarborough is reasonably well equipped to handle a large volume of motorists, but these roads are busy. In fact, the stretch of 401 Highway that passes through Toronto, including Scarborough, is the busiest roadway in North America!

With so many cars on the road, the risk of being involved in collision increases dramatically. Insurance companies recognize this threat and hike up premiums accordingly. For this reason, it is important for Scarborough drivers to compare car insurance quotes regularly.

In 2018, Ontario drivers who used to find the cheapest car insurance saved an average of $600.** In Scarborough, this savings was even higher, coming in at $871 per year.* Don’t wait, compare quotes and start saving today!

Auto Insurance Rates from Real Drivers

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How does find cheaper insurance in Scarborough?

Here at, we work with more Canadian car insurance providers than anyone else. We compare quotes from over 50 providers (this represents 96 percent of the Canadian car insurance market).

Spend a few minutes filling out our simple quoter form, and our database of providers will help find you the best available rate.

Our dedicated team will then connect you to the insurer through a priority phone line. We are committed to saving you time and money through this proven approach.

Are the quotes accurate? Is there a fee?

To find your quotes, we ask the same questions as the insurance companies. This means that as long as the information you provide is accurate, the quotes you see will be accurate. The prices we show are the same prices you would receive if you contacted the insurance companies directly.

We don’t charge any fees. Using to compare car insurance quotes is 100 percent free.

How much is insurance in Scarborough?

Scarborough is one of the most diverse places in the world and the car insurance quotes offered to its residents reflect this. Insurance rates from driver to driver can differ by thousands of dollars a year

The estimated premium for drivers in Toronto, including Scarborough, is $1,948, but there is no way to know how much your car insurance will cost until you compare quotes using

Spend 10 minutes filling out our form and make an informed decision on the best policy for you.

You may be surprised at how much you can save. In the last 12 months, residents of Scarborough have saved an average of $871 per year by using*

How does Scarborough car insurance compare to rest of Ontario and Canada? 

Ontario and B.C. are the two most expensive provinces for auto insurance (average annual premium):

British Columbia $1,680 

Ontario $1,445

Source: Insurance Bureau of Canada, report released in July 2018, prices in CAD

And GTA cities are the most expensive for car insurance in Ontario.

This means that the average premium in Toronto, including Scarborough, is higher than the average for Ontario and Canada.

However, car insurance in Toronto is comparatively cheaper than in neighbouring cities. Residents of Brampton, Vaughan, Mississauga and Richmond Hill all pay more according to our annual roundup of the most expensive cities for car insurance in Ontario.

Cities in Ontario with expensive car insurance

While average car insurance premiums may be higher in Scarborough than in other parts of Ontario, if you are a good driver with a clean record you have a great chance of bucking this trend.

Use to compare prices and see if you can get a cheap quote for Scarborough car insurance.

What will my insurance cover?

The laws governing car insurance are set at a provincial level, so car insurance in Scarborough follows the same rules as the rest of Ontario. 

Specifically, there are four mandatory components which all car insurance policies must contain:

  • Third-party liability covers costs if you are sued for a collision in which somebody gets hurt or property is damaged.
  • Direct Compensation Property Damage (DCPD) covers damage to your vehicle when someone else is at fault for the collision.
  • Statutory Accident Benefits pay for income replacement, medical treatment and even funeral costs if you are hurt or killed in an auto accident.
  • Uninsured Automobile Coverage ensures you are protected against costs when you are involved in a collision with another driver, who is at fault but uninsured.

These are just the mandatory components of Ontario car insurance; there are many additional optional coverages available, should you wish to increase your protection.

How can I save money on Scarborough car insurance?

The easiest way to find cheap car insurance is to use to compare rates. We can find you the best deal on car insurance and it only takes 10 minutes!

Here are some extra money-saving tips:

  • Do you have multiple drivers and cars in your household? Combine them onto the same insurance policy and you could save up to 20 percent.
  • Consider bundling your home and auto insurance together and purchasing them from the same insurer. Not only will it be easier for you to manage, you could save up to 15 percent.
  • While Scarborough has relatively mild climate compared to the rest of Ontario, insurers reward Scarborough drivers who use winter tires with savings of five percent.
  • As seen by the census data, residents of Scarborough drive a lot. Insurance companies use commute times and annual mileage to calculate car insurance premium. While driving to work may seem more convenient, if you can switch to public transport, walking or cycling, you’ll pay less in auto insurance. 

The most popular cars in Scarborough

These statistics come from the thousands of Scarborough motorists who have completed quotes on (data collected from March 2018 until March 2019):

Top 10 Automotive Brands in Scarborough

  1. Honda
  2. Toyota
  3. Hyundai
  4. Nissan
  5. Mazda
  6. Ford
  7. Chevrolet
  8. Dodge
  9. Volkswagen
  10. BMW

Top 5 Vehicles in Scarborough

  1. Honda Civic
  2. Hyundai Elantra
  3. Toyota Corolla
  4. Mazda 3
  5. Toyota Rav 4

See how this list compares to the best selling cars in Canada. Makes It Easy to Save on Car Insurance

Simply spend a few minutes completing our online quoter form, and you could be rewarded with hundreds, even thousands of dollars in annual savings!

You can trust to find you the most competitive rate. Compare quotes now.

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*Difference between the cheapest available rate and the second cheapest available rate shown on, for all quotes given to residents of Scarborough from March 2018 until March 2019.

**69% of customers in Ontario who participated in the survey said helped them identify an average savings amount of $600 (Jan – Nov 2018) on their car insurance. The cited amount represents the average difference between the best quote obtained at and the current premium amount of participants in the survey. The savings amount varies by individual and does not constitute a guarantee; in each individual case, the difference may be smaller or greater than the savings amount cited.