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Newmarket Car Insurance
Learn more about car insurance in Newmarket, Ontario.
Fast facts
Everything You Need to Know About Auto Insurance in Newmarket
84,224
people live in Newmarket
66%
of residents drive in a car
40 yrs old
is the median age of drivers
17.38 km
is the avg daily commute
$1,582
is the avg annual premium
$131
is the avg monthly premium

Coverages
In Ontario, auto insurance is mandatory and all drivers are required to carry a minimum level of coverage. The mandatory coverage includes:
Third-Party Liability Coverage
This coverage is mandatory and provides protection if you injure someone or damage their property in a car accident. The minimum required limit is $200,000, but most drivers opt for higher limits.
Accident Benefits Coverage
Also mandatory, this coverage provides benefits for medical expenses, rehabilitation, and income replacement in case you or your passengers are injured in an accident, regardless of fault.
Uninsured Automobile Coverage
This coverage protects you if you're involved in an accident with an uninsured or unidentified (hit-and-run) driver. It ensures you can still receive compensation for injuries and damages.
Direct Compensation
This coverage is mandatory for damage to your vehicle and covers the cost of repairs or replacement if your car is damaged in an accident for which you are not at fault.
Optional Coverages
In addition to the mandatory coverages, drivers in Ontario have the option to purchase various additional coverages to enhance their auto insurance policy. These optional coverages can provide added protection and peace of mind.
Collision Coverage
This coverage pays for the repair or replacement of your vehicle if it's damaged in a collision, regardless of fault.
Comprehensive Coverage
Comprehensive coverage protects your vehicle against non-collision-related damage, such as theft, vandalism, fire, or falling objects.
Accident Forgiveness
With accident forgiveness, your insurance premium won't increase after your first at-fault accident. It helps you maintain your good driver discount.
Collision Coverage
Covers damage to your vehicle if you’re involved in an accident with an object or are at-fault
Comprehensive Coverage
Covers damage to your vehicle from incidents such as hail, wind, water theft or vandalism
Accident Forgiveness
Provides one ‘free’ at-fault accident with no rate increase (granted you remain at the same company)
Depreciation Coverage
Protects your vehicle from depreciation when deemed a “total loss”
Depreciation Coverage
This coverage ensures that in case of a total loss of a new vehicle (typically within a specified time frame, e.g., two years), you will receive the full purchase price without factoring in depreciation.
Emergency Roadside
This service provides assistance in case of a breakdown, flat tire, dead battery, or other roadside emergencies. It can include services like towing, jump-starts, and fuel delivery.
Rental Car Coverage
Also known as Loss of Use Coverage, it helps cover the cost of renting a replacement vehicle if your car is in the shop for repairs after an accident.
Emergency Roadside
Covers the expenses related to towing a vehicle after an accident
Rental Car Coverage
Extends your insurance coverage to a rental vehicle, up to a maximum limit
Auto Insurance in Newmarket, Ontario
When it comes to Newmarket car insurance, finding the right policy can be a time-consuming process, but it’s essential for every driver. Whether you’re commuting, running errands, or taking a trip out of town, having the proper auto insurance coverage ensures you and your vehicle are protected.
At Duliban Insurance Brokers, we aim to simplify this process and help you find the most suitable insurance that fits both your needs and budget.
Why Do You Need Auto Insurance in Newmarket?
Newmarket, Ontario, is a growing town with an increasing number of drivers on the road. Whether you’re driving through its busy streets or heading toward Toronto, you must have the appropriate insurance coverage to protect yourself and others.
In Ontario, auto insurance is legally required for all drivers, and failing to have it can result in hefty fines, the suspension of your driver’s license, or even vehicle impoundment.
The importance of auto insurance in Newmarket:v
- Legal Requirement: You cannot legally drive in Ontario without proper car insurance.
- Financial Protection: Car insurance provides financial coverage in the event of an accident, whether you’re at fault or not.
- Liability Coverage: It covers you if you’re responsible for injuring someone or damaging their property.
- Peace of Mind: The right insurance allows you to drive with confidence, knowing you’re protected in case the unexpected happens.
What Does Newmarket Car Insurance Cover?
Third-Party Liability
Statutory Accident Benefits
Direct Compensation – Property Damage (DCPD)
Uninsured Motorist Protection
Collision Coverage
Comprehensive Coverage
What Affects the Cost of Auto Insurance in Newmarket?
Driving Record
Type of Vehicle
Location
Driving Experience
Usage
Coverage Level
How to Save on Newmarket Car Insurance?
- Bundle Insurance Policies: If you purchase multiple policies, such as home and auto insurance, from the same provider, you can often get a significant discount. At Duliban Insurance Brokers, we help our clients bundle policies to maximize savings.
- Compare Quotes: One of the best ways to find affordable car insurance is by comparing quotes from different providers. We can assist you by shopping around and comparing various policies to find the best deal for your needs.
- Maintain a Clean Driving Record: Safe drivers are rewarded with lower premiums. Avoid traffic violations, speeding tickets, and at-fault accidents to keep your insurance costs down.
- Increase Your Deductible: Choosing a higher deductible will lower your monthly premium. It’s crucial to ensure that you can afford the deductible in case you need to file a claim.
- Take Advantage of Discounts: Many insurers offer discounts for various reasons, such as having anti-theft devices, taking defensive driving courses, or being a loyal customer. Be sure to ask your broker which discounts you qualify for.
- Limit Coverage on Older Vehicles: If your vehicle is older and not worth much, you might consider dropping collision or comprehensive coverage to save money. However, make sure you’re comfortable with the level of protection you’ll have.
Why Work with a Car Insurance Broker in Newmarket?
When it comes to finding the best car insurance broker in Newmarket, working with Duliban Insurance Brokers gives you access to expert advice, personalized service, and a range of insurance providers. As independent brokers, we are not tied to any one company, meaning we work for you, not the insurance companies.
Benefits of using Duliban Insurance Brokers:
- Access to Multiple Providers: We work with a wide variety of insurance companies, allowing us to compare quotes and policies from different insurers. This gives you access to a broader range of options than if you were to approach a single insurance company directly. By comparing rates and coverage from multiple providers, we help you find the most competitive and comprehensive policy available.
- Expert Knowledge: Our team of experienced brokers understands the complexities of the insurance market. Whether you need help understanding the fine print in a policy or determining the coverage that’s best for your vehicle and personal situation, we can offer the advice and support you need. Our in-depth knowledge helps you avoid common pitfalls and ensures you get the coverage that meets your specific requirements.
- Tailored Recommendations: At Duliban Insurance Brokers, we believe that one size doesn’t fit all when it comes to auto insurance. We take the time to assess your unique circumstances, such as your driving habits, vehicle type, and budget. This personalized approach allows us to provide recommendations that offer the right level of protection for your needs, whether you’re looking for basic coverage or comprehensive protection.
- Claims Support: Filing an insurance claim can be a stressful and confusing process, especially in the aftermath of an accident. Our team is here to help you navigate the claims process from start to finish. We guide you through the paperwork, communicate with the insurance company on your behalf, and ensure that your claim is processed as smoothly and efficiently as possible. You can trust us to advocate for you and make sure you get the compensation you deserve.
- Regular Policy Updates: As life evolves, so do your insurance needs. We conduct regular reviews of your insurance policy to ensure it still meets your needs as circumstances evolve. Whether you’ve moved, purchased a new vehicle, or had a change in driving habits, we proactively adjust your policy to keep you adequately covered while avoiding unnecessary costs. This ensures that you always have the right coverage at the best possible price.
- Discount Optimization: Many drivers are unaware of the discounts they might qualify for, such as safe driver discounts, bundling options, or vehicle safety features. We make sure you’re taking advantage of all the discounts available to you. We work closely with insurance providers to identify every possible way to reduce your premium without sacrificing coverage quality.
- Transparency and Clarity: Insurance policies can be complex and filled with industry jargon that’s hard to understand. At Duliban Insurance Brokers, we take pride in providing transparency and clarity in everything we do. We explain your coverage options in plain language, ensuring you fully understand your policy, the associated costs, and any exclusions that may apply. We aim to equip you with the knowledge to make confident choices.
- Time Savings: Shopping for car insurance on your own can be a time-consuming process, requiring you to get quotes from multiple companies, compare policies, and read through complex terms. We do all the legwork for you, saving you time and effort. We streamline the process by comparing quotes and negotiating on your behalf, providing you with a curated list of the best options available, so you can make a quick and informed decision.
- Local Expertise: As a broker with strong local ties, we understand the unique factors that influence auto insurance rates in Newmarket and surrounding areas. Our knowledge of local roads, traffic patterns, and claims trends allows us to offer more accurate advice that reflects your specific risk profile. We use this local insight to help you get the right coverage at a competitive price, tailored to the realities of driving in Newmarket.
- Long-Term Relationship Building: At Duliban Insurance Brokers, we value the relationships we build with our clients. We are committed to being there for you throughout the entire insurance journey—not just at the time of purchase. Whether you have questions about your policy, need assistance with a claim, or are looking to adjust your coverage, our brokers are always available to help. We aim to be your trusted advisor for all your insurance needs, both now and in the future.
- Risk Management Advice: Beyond offering insurance policies, we also provide risk management advice to help you minimize the likelihood of needing to file a claim. Whether it’s recommending safer driving practices, advising on anti-theft measures for your vehicle, or suggesting additional coverage options for greater protection, we work with you to reduce risk and keep your premiums low.
- Flexible Communication and Support: We understand that your time is valuable, which is why we offer flexible communication options to suit your preferences. Whether you prefer to communicate via phone, email, or in person, our brokers are always available to answer your questions and provide timely assistance. We prioritize customer service and ensure you receive quick, clear, and effective responses every time.
Contact Us Today
Having the right auto insurance in Newmarket is essential for every driver. It provides the financial protection you need in case of accidents, theft, or damage to your vehicle.
At Duliban Insurance Brokers, we are committed to helping you find the most suitable coverage that meets your needs while staying within your budget. By comparing quotes, offering expert advice, and providing personalized service, we make the process of finding car insurance simple and stress-free.
If you’re looking for a reliable car insurance broker in Newmarket, contact Duliban Insurance Brokers today. Let us help you find the best policy for your specific situation and ensure that you’re fully protected on the road.
Frequently Asked Questions About Auto Insurance in Newmarket
insurance premiums
City by City Average Auto Insurance Premiums

how to save money
Top 5 Ways to Save Money on Your Insurance Premium

Shop Around for Quotes
Don't settle for the first insurance quote you receive. Get quotes from multiple insurance providers and compare them to find the best rate. Prices can vary significantly between companies.

Increase Your Deductible
By choosing a higher deductible (the amount you pay out of pocket before your insurance coverage kicks in), you can lower your premium. Just be sure you can comfortably cover the deductible if you need to make a claim.

Maintain a Clean Driving Record:
Safe driving is one of the most effective ways to keep your insurance costs down. Avoid accidents and traffic violations, as a good driving record can qualify you for discounts.

Bundle Your Policies
Consider bundling your auto insurance with other insurance policies like home or renters insurance under the same provider. Many insurers offer discounts for bundling multiple policies.

Take Advantage of Discounts
Ask your broker about available discounts with your insurance provider. These can include safe driver discounts, good student discounts (for young drivers with good grades), discounts for safety features in your vehicle, and loyalty discounts for long-term customers.
Our Reviews
What you say matters to us
⭐️⭐️⭐️⭐️⭐️
Excellent experience working with Alex Shortridge for my condo and mortgage insurance. I was under a very tight deadline before closing on a new condo, and Alex truly went above and beyond.
She took the time to understand my family’s needs and secured home insurance coverage that was more comprehensive and better tailored than what several of the larger insurance companies were offering. She also worked directly with our mortgage lawyer to ensure all documentation was in place before the weekend ahead of our Monday closing.
Not only did she find additional discounts, but the policy actually came in less expensive than the big-name insurers while offering stronger, more customized protection.
I highly recommend Alex Shortridge if you’re looking for a knowledgeable, responsive, and efficient insurance broker for condo or home insurance, especially when you’re working under tight timelines.
I had finally found the right vehicle but not the right rate, Amy helped me secure that. She was professional, responsive, and helped me secure a really good rate. She made the whole process simple and assured that she would do her best to help out. Excellent service. I’d definitely recommend Duliban and Amy to anyone looking for a reliable insurance broker to get the best rate and insurance for your needs. Thanks again!
Best
Robert
She made everything feel easy and straightforward. You can tell she genuinely cares about doing things properly and making sure her clients feel comfortable and informed.
Professional, responsive, and incredibly reliable. I would absolutely recommend Hailey-Jane to anyone looking for top level service.
I had an amazing experience with June. She is very knowledgeable and very professional to work with. She answered all of our questions and addressed all of our concerns.
I would highly recommend to go with Duliban Insurance.
Highly recommend June and Duliban Insurance.
John & Carol C.
Moreover, June should be an insurance-for-dummies instructor. I learned more in three days from her clear, cogent explanations than I had ever understood in my 36 years of being insured.
She shared her expert knowledge of a baffling industry to help me navigate within it not just now, but in the future as well. For example, she is the first to ever explain that if I have an at-fault collision with an insurer who offered first-incident forgiveness, but then I leave that insurer for another (within x number of years), the forgiveness doesn't carry over to the new insurer - and boy howdy, the new insurer does NOT care how minor the collision or how many decades of perfect record preceded that one at-fault. This and other invaluable information she taught me will help steer my insurance decisions forever more. Thank you June!
KEN
Amy Brown great service
Upon reaching out to Bryana Brunette, the entire quote process was remarkably straightforward. I conveniently booked an appointment online at a time that was convenient for me within her availability. Bryana Brunette ensured that the entire process was as simple as I have ever experienced, even after numerous years of seeking insurance coverage.
I wholeheartedly recommend this broker company, as I am confident that many of their brokers possess the same level of thoroughness as Bryana Brunette. However, I must emphasize my exceptional admiration for Bryana Brunette’s exceptional timeliness, efficiency, thoroughness, and respect.
highly recommended!
Happy client!
Great experience. A++
They gave me best quote and the customer service is ultra high level.
The most impressive is Amy Brown not only she is truly professional but also a very good person.
Thx you so much for the effort team.
Call her and she will get you the best deal.
Jim Pietz
With this in mind, I apologize Alex Shortridge for the wait
she was genuinely one of the most patient people I have ever had the pleasure of working with, I had many confusing questions that she answered and reworded her answers to help me better
And throughout the process of me trying to find a car, she made the process of getting quotes super simple and easy
All around the experience I had with this human being was excellent
Frankly, that word doesn’t carry enough power to explain how happy I am with her work
As you can tell, I am happy with the service
Thank you for making this process less confusing for me Alex!!
Thanks Jhonny!
I’ve dealt with many brokers in the past, but Alex stands out by far. She’s knowledgeable, incredibly friendly, and made the entire process feel easy and stress-free. If you're looking for someone who’s honest, efficient, and truly cares—Alex is the one to call. Highly recommend!
Thank you.
They have been growing a lot and it is well deserved, will continue to work with them into the foreseeable future
Thanks to your efforts, I now have coverage that not only fits my needs but is also affordable. I genuinely appreciate your dedication and support—you're truly a pleasure to work with!
Really great experience all the way from contact to signing. Would highly recommend.
-Mackenzie

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