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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

Curious about how your premiums are determined? There are a series of factors which determine the available rates for auto insurance in Newmarket, based on both geographical location and personal driving history. Here’s what you can expect…

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

Car insurance in Ontario

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

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

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 - Duliban Insurance

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

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

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

Comprehensive coverage protects your vehicle against non-collision-related damage, such as theft, vandalism, fire, or falling objects.

Accident forgiveness

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

Collision Coverage

Covers damage to your vehicle if you’re involved in an accident with an object or are at-fault

Comprehensive coverage

Comprehensive Coverage

Covers damage to your vehicle from incidents such as hail, wind, water theft or vandalism

Accident forgiveness

Accident Forgiveness

Provides one ‘free’ at-fault accident with no rate increase (granted you remain at the same company)

Depreciation coverage

Depreciation Coverage

Protects your vehicle from depreciation when deemed a “total loss”

Depreciation coverage

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

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

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

Emergency Roadside

Covers the expenses related to towing a vehicle after an accident

Rental car coverage

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?

When purchasing Newmarket car insurance, it’s important to understand the different coverage options available. Ontario’s insurance system requires certain coverages to be included in every policy, while others are optional but highly recommended depending on your specific needs.

Third-Party Liability

Third-party liability coverage is mandatory in Ontario and protects you if you cause injury or property damage to another person. This coverage helps pay for legal costs and compensation if you are sued following an accident.

Statutory Accident Benefits

This coverage is also mandatory and provides benefits if you or your passengers are injured in an accident, regardless of who is at fault. It covers medical treatments, rehabilitation, lost wages, and more.

Direct Compensation – Property Damage (DCPD)

DCPD coverage allows you to be compensated for damage to your vehicle and its contents if another driver is at fault. It simplifies the claims process by letting you deal directly with your own insurer.

Uninsured Motorist Protection

If you are in an accident caused by an uninsured driver or a hit-and-run, uninsured motorist protection ensures that you and your passengers are covered for injuries and damages.

Collision Coverage

Collision coverage is optional but recommended. It pays for the repair or replacement of your vehicle if it’s damaged in a collision with another vehicle or object.

Comprehensive Coverage

Comprehensive insurance covers non-collision-related incidents such as theft, vandalism, fire, or damage caused by natural disasters. This is an optional coverage but is useful if you want full protection.

What Affects the Cost of Auto Insurance in Newmarket?

The cost of auto insurance in Newmarket varies depending on several factors. Understanding what influences your premiums can help you make informed decisions when choosing the right policy for your needs.

Driving Record

One of the biggest factors affecting your insurance premium is your driving record. If you have a history of speeding tickets, accidents, or other infractions, your rates will be higher. Conversely, a clean driving record often results in discounts.

Type of Vehicle

The car you drive also plays a role in determining your insurance rate. More expensive cars, or vehicles that are costly to repair, tend to have higher premiums. Insurance providers also take your vehicle’s safety features into account.

Location

Where you live in Newmarket can influence the cost of your car insurance. Certain areas may have higher risks of theft or accidents, leading to higher premiums. Urban areas tend to have higher insurance costs than rural ones.

Driving Experience

New and young drivers typically pay higher insurance premiums because they have less experience on the road. In contrast, older, more experienced drivers often benefit from lower rates.

Usage

How often and how far you drive your vehicle affects your premium. The more you drive, the greater the risk of being involved in an accident, which can lead to higher insurance rates.

Coverage Level

The more coverage you select, the higher your premium will become. However, opting for higher coverage may be worth the cost if it ensures better financial protection.

How to Save on Newmarket Car Insurance?

Auto insurance is a necessary expense, but there are several ways to reduce your premiums without sacrificing coverage. Here are some strategies 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

How can I get affordable auto insurance in Newmarket?
To get affordable auto insurance, compare quotes from different providers, bundle policies, and maintain a clean driving record. We at Duliban Insurance Brokers can help you find the best deal by comparing multiple options for you.
Is auto insurance mandatory in Newmarket?
Yes, auto insurance is mandatory for all drivers in Newmarket and across Ontario. You must have at least third-party liability coverage to legally drive.
What type of coverage is best for my vehicle?
The best type of coverage depends on your vehicle, driving habits, and personal preferences. We recommend talking to one of our brokers for tailored advice on what coverage options suit your needs.
Can I switch my car insurance provider at any time?
Yes, you can switch car insurance providers at any time, although there may be cancellation fees depending on your current policy. Contact us for assistance with switching providers.
What are the key factors that have the biggest impact on my car insurance premium?
Several factors impact your car insurance premium, including your driving record, age, location, vehicle type, and the coverage level you choose. Additional factors like your credit score, how much you drive, and whether your vehicle has anti-theft features can also influence your premium.

insurance premiums

City by City Average Auto Insurance Premiums

How does some of Niagara’s cities compare to others in Ontario.
Ontario $1,505
London $1,745
Ajax $2,104
Etobicoke $1,684
Newmarket $1,582
Toronto $1,953
Niagara Falls $1,327
Hamilton $1,664
Brampton $1,976
Mississauga $1,996
Cambridge $1,378
Guelph $1,391
Waterloo $1,351
Burlington $1,374
Milton $1,498
Waterloo car insurance

how to save money

Top 5 Ways to Save Money on Your Insurance Premium

Shop Around for Quotes

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

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

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

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

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.

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Kyle Campeau
1 week ago
Deliben insurance made everything so easy. Always available to answer emails and sort out concerns as they arose. Id recommend.
Zoe Lakis
1 week ago
Alex Shortridge was so helpful, kind and quick. She was an absolute pleasure.
Baiana Bekenova
1 week ago
Everything went great! Damian was super professional and timely, he helped and answered any questions I had!
Emma Stanley
1 week ago
I had a great experience here when setting up car insurance on my first car as a student. Damian was extremely helpful through the entire process, ensuring all of our questions were answered. I would definitely recommend this company!
Lyn Cooper
1 week ago
Damian Poznanovic was incredibly helpful, efficient and friendly!
cathy f
1 week ago
I was looking for a new insurance company and contacted Duliban Insurance Brokers and was fortunate to have Lisa Brant get my call. She has been so helpful in getting me new coverage and I appreciate all the effort she has put into helping me. Thank you Lisa and thank you Duliban.
Ian
1 week ago
Great fast reliable service very polite courteous and understanding would deal with her again over and over
Hilary, Thank you for your help with my auto insurance. I appreciate your clear explanations and professionalism. Your guidance made the process easy, and I felt confident with the coverage I chose. I also value how quickly you responded to my questions.
Maryann Mergl
2 weeks ago
June went above and beyond to help me in finding the best car insurance possible for the right price. She helped me find my past experience as a policy holder and driver. When my home policy comes due I will certainly be seeing what she can do for me in order to switch over.
Robby devries
2 weeks ago
Damian was easy to work with and he moves fast. Had everything set up in less then 24 hours. No headaches
Jennifer quirk
2 weeks ago
I really appreciated working with Damien to arrange my home insurance. The process was quick, thorough, and stress-free. Damien was clear, knowledgeable, and efficient, taking the time to explain everything in detail. After experiencing communication issues with my previous broker, it was refreshing to work with someone who made me feel heard, valued, and comfortable throughout the entire process. I highly recommend Damien to anyone looking for excellent service and a smooth insurance experience.
Connor Hoogerdyk
2 weeks ago
Damian was very responsive and easy to deal with. Very happy with my experience would recommend if your renewal is coming up.
Tyler Woodruff
2 weeks ago
Damian Poznanovic provided exceptional assistance, demonstrating extensive knowledge and facilitating a clear understanding of the entire process.
Joel
2 weeks ago
Hilary was fantastic to deal with and offered us great rates/service! Fantastic experience
Richard Elliott
2 weeks ago
Lisa Brant made for a seamless transition of all my insurance business over to Duliban. After 30 years with my previous provider, I expected a painful journey. But instead got the opposite, Lisa made it effortless and pleasant, plus I even saved some money!
Douglas Perras
2 weeks ago
Mallory and the Duliban crew provided excellent service once again.
L Mazz
2 weeks ago
Just moved our home insurance to Duliban and it was an easy transition. Dealt with Hilary Phelps through the whole process. She was very accessible and always returned my emails and phone calls promptly. I would definitely recommend Hilary for your insurance needs.
Krista Fur
2 weeks ago
We were facing a large increase in insurance premiums during time of renewal for our home and auto insurance so we thought we’d shop around. We heard about Damian P at Duliban insurance from a friend and we’re so glad we did! He was able to save us quite a bit of money per month and also educated us about some of our insurance needs for the future! Damian was extremely attentive and professional. We’ll definitely share his name and company with anyone looking for insurance.
deborah
2 weeks ago
I dealt with Hilary Phelps. She is an extremely valuable employee. I found her to be compassionate, caring and easy to talk with. She is highly intelligent and guided us through the whole process and made me feel at ease during my difficult time. I also believe, if possible, she deserves a raise in salary . I do not know what her salary is, but in any event, her assistance was so very much appreciated. Deborah Church
Geeti Malek
3 weeks ago
I had a great experience setting up my auto and tenant policy with Hilary. I highly recommend her and Duliban Insurance!
Ryan Vaisanen
3 weeks ago
Always amazing service. Wouldn’t go to another insurance office. 10/10 recommend
Charles Hunter
3 weeks ago
Very nice and respectful staff excellent service
Hunter G
3 weeks ago
Damian - he’s the guy! When I needed coverage quick, he followed through and got me just what I needed. Thank you Damian and Duliban!
Sylvia G
3 weeks ago
I was referred to Damian Poznanovic by a longtime friend and am very pleased with the service I received. He was professional, knowledgeable, reliable, and extremely responsive throughout the entire process. He was able to secure me more affordable car insurance and took the time to answer all of my questions thoroughly without ever making me feel rushed. From my initial contact to having everything completed the entire process took less than 24 hours. I would highly recommend his services and will be referring him to others. Thanks Damian.
Brandon
3 weeks ago
Very great service, really informative I. An understanding and helpful way. Definitely a person with patience and communication skills. Thank you very much ”Damian Poznanovic” you should be the owner of the company!!!
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