WHAT YOU NEED TO KNOW ABOUT CAR INSURANCE IN BURLINGTONWe have compiled some of the most relevant information about Burlington car insurance numbers from top sources to help further assist you in understanding how your auto insurance premiums are determined.


People Live in Burlington


Of Burlington residents drive a car


Median age of drivers in Burlington

32.12 km

Average daily commute in Burlington


Average annual premium in Burlington

$114.50 month

Average monthly premium in Burlington

Living and Driving in Burlington, Ontario

Burlington, Ontario, is a great place to live, work, drive, and play. The city’s strategic location on the northwestern shore of Lake Ontario helped it develop into one of Canada’s fastest-growing and most prosperous municipalities. If you plan to move or travel to Burlington, it is essential to check your Auto Insurance beforehand.

The city is also home to the Royal Botanical Gardens on the Niagara Escarpment, a UNESCO World Biosphere Reserve. Various outdoor recreational opportunities make Burlington an ideal place for active living with miles of hiking trails, beaches, golf courses, and parks.

Burlington is ideally situated near major highways (QEW, 407), GO Train stations (Aldershot), and Toronto. But Burlington also has many winding roads. The largest is the Niagara Escarpment, which slices through the city from northwest to southeast and serves as the backbone of the city’s street layout.

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What Does My Auto Insurance Policy in Burlington Cover?

Auto insurance is designed to protect you in several ways. The primary reason you should buy auto insurance is it protects you against liability when you are involved in an auto accident where you are responsible for someone else’s injuries or property damage.


Direct Compensation-Property Damage (DC-PD) is coverage that protects you and your vehicle. It covers your auto and its contents as well as the loss of use of your auto, and the payment will come directly from your insurance provider. DC-PD only applies if the accident occurs in Ontario and there was more than one vehicle involved. Also, at least one of the other vehicles must be insured by a company that is licensed in Ontario or has a special agreement with FSCO to provide insurance coverage.


Collision coverage is optional and covers your car. It is a valuable coverage to have if an accident does not qualify for DC-PD and you want to ensure you can get your car fixed.

Statutory accident benefits coverage pays for your medical bills if you are injured in an auto accident regardless of who caused the accident, and it pays for income loss as well.


There is always a concern that another driver will not have auto insurance. Therefore, auto insurance in Ontario includes uninsured automobile coverage to provide coverage if you or your passengers are killed or injured by an uninsured motorist or hit-and-run driver.


These are the basic auto insurance coverages in Ontario, and you can add extra coverages by endorsement or increasing certain limits.

City by City Average Auto Insurance PremiumsHow does Burlington compare to other cities in Ontario.

Ontario $1,505
St. Catharines $1,327
Niagara Falls $1,327
Welland $1,327
Waterloo $1,351
Pelham/Fonthill $1,327
Grimsby $1,368
Dunnville $1,394
Oshawa $1,833
Burlington $1,374
Ajax $2,104
Toronto $1,953
Brampton $1,976
Guelph $1,391
Milton $1,498

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Things To Do in Burlington, Ontario

Some of Burlington residents’ favorite places include:

  • Royal Botanical Gardens
  • Burlington Waterfront Trail
  • Mount Nemo Conservation Area
  • Spencer Smith Park
  • Art Gallery of Burlington
  • Beachway Park
  • Mapleview Shopping Centre
  • GO Transit
  • LaSalle Park

In addition, residents enjoy themed festivals, cultural events, farmers’ markets, spas, golf courses, walking tours, and countless trails to experience the wilderness.

Burlington, Ontario Roads, and Neighborhoods

Burlington, Ontario, is now better connected to Toronto than it has ever been, thanks to the Queen Elizabeth Way and GO Transit buses and trains. The city’s three busiest roads are:

  • Harvester Road
  • Queen Elizabeth Way
  • Walker’s Line

It is a marvelous city for families wishing to relocate outside of the metropolis and young professionals ready to drive into Toronto.

But where is the ideal place to live in Burlington? That depends on what you are looking for.

Burlington offers it all: trendy condominiums, Lake Ontario shoreline views, family-friendly neighborhoods, and easy access to the highway.


Palmer is an established suburb in the heart of Burlington, north of the QEW. The neighborhood’s trademark thoroughfare is Palmer Drive, winding its way through the heart of the community.

Palmer’s cityscape includes gradually sloping hills and mature trees on curving streets lined with sidewalks and a mix of residences neatly spaced apart on large lots.

This popular family neighborhood has three schools. Burlington Heights Plaza on Guelph Road is a busy shopping location for this community’s inhabitants.


If you enjoy golf, Millcroft is the place to be. The Millcroft golf course spreads out in all directions around this community.

Whether you play golf or not, many Millcroft residents appreciate the stunning vistas of this 18-hole, award-winning course that spans 5735 yards.

MIllcroft is the only neighborhood in the GTA where street signs warn cars to look for golfers crossing the street.

Residents have quick access to the QEW expressway, connecting them to Hamilton to the west and Oakville and Toronto to the east.

Downtown Burlington

Downtown Burlington is well known for its spectacular waterfront, including the Brant Street Pier, Discovery Landing, Spencer Smith Park, and the Dofasco waterjet and playground.

With a performing arts center, an art gallery, a wonderful mix of stores and restaurants, and a central park teeming with recreational activities, this neighborhood is bright and active.

Burlington City Hall is located here. Downtown Burlington is now enjoying a development boom, with several new riverfront condominium complexes recently completed or under construction.

Rural Burlington

Shaping rural Burlington is the Niagara Escarpment, a vast geological structure created from the aftermath of the last ice age that saw the retreat of large glaciers 11,700 years ago. As a UNESCO World Heritage site, the breathtaking Niagara Escarpment serves as a background for Burlington’s primarily rural north end.

Rural Burlington’s two urban centers are the hamlets of Kilbride and Lowville. The rest of Rural Burlington comprises farmland, wildlife sanctuaries, and golf courses.

Get Affordable Burlington Auto Insurance

Many drivers do not know they are overpaying for vehicle insurance until they compare the costs to other insurance companies.

The FSCO advises Ontario drivers to shop around for the best and cheapest insurance rates by comparing quotes from several insurance companies.

All drivers in Burlington, Ontario, must carry Auto Insurance that meets the mandatory minimum requirements.

Duliban Insurance makes it easy for you to get a Burlington Auto Insurance quote within minutes.

We invite you to Contact Us about Burlington Car Insurance using your communication method of choice.

If your car is older and you do not have a loan on it, you might consider dropping the collision coverage. Just be aware that you may not have coverage for damage to your car depending on the circumstances of an accident.


Finally, shop around for auto insurance on occasion. Auto insurers are always looking for ways to lower their premiums. You might find that another insurance company offers a better rate than the one you are currently getting.

Data Sources


Google Rating: 4.7Some awesome words from our Duliban Client Family

Chase Creemer
Chase Creemer
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Graham Cobb
Very helpful and friendly service

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