Richmond Hill Car Insurance

Cheap Car Insurance Rates in Richmond Hill Tailored to you

Are you looking for a great Richmond Hill car insurance rate?  Out of all the provinces within Canada, Ontario ranks the highest when it comes to auto insurance rates. As Richmond Hill is a part of the Greater Toronto Area, there are a lot of people who work or go to school in Toronto and need to drive to the city every single workday. Since the highways and city streets are always congested, the chances of an accident occurring are much higher than driving on rural roads.

If you live and drive in Richmond Hill, It’s the law to have car insurance. These auto insurance policies must include third-party liability, uninsured car coverage, direct compensation property damage, and statutory accident benefits. If you are in the market for auto insurance, here is why you should trust isure insurance to find the best rate for your needs.


isure hires only the best and most reputable Richmond Hill auto insurance brokers to get you the best quotes. Experience the isure insurance broker advantage:

We are Fully Licensed

We are registered under the Registered Insurance Brokers of Ontario (RIBO) to ensure your safety and that you are in good hands.

Gain Unbiased Advice

We guarantee honest, unbiased advice about the insurance quotes we obtain for you and all details that accompany it. We will always search and locate the coverage that is best suited to your needs.

Access to the Best Insurance Providers

We have access to all of the best, well-respected insurance providers in all of Canada for you!

Your Needs are our Top Priority

We are real insurance brokers helping real, amazing Richmond Hill citizens. Each of our clients are assigned to a dedicated insurance broker that advocates for their needs when dealing with insurance providers. We handle all claims, quotes, inquiries, updates and more.

We Work, You Save

You can save hundreds of dollars on insurance when you work with our Richmond Hill insurance brokers. You can discuss your insurance needs with us and we’ll find the perfect coverage options and rates.

We Have Coverage For All Your Insurance Needs

Our insurance brokers get Richmond Hill residents quotes for home, commercial, auto, life, travel, and more.


If you live in Richmond Hill, there are several reasons why you need to contact an isure insurance broker. Here are some of the many advantages you will see when you work with us:

Allows you to save more money: Insurance brokers are the top solution if you want to lower your insurance rate and save money. Our Richmond Hill insurance brokers have access to several insurance providers, premiums, and coverage types. They will help you find the most affordable car insurance rates based on your information.

Our licenced insurance professionals always provide valuable information: Navigating insurance can be extremely difficult if you have little experience. Hiring a licensed, knowledgeable and experienced insurance broker can provide you with all the essential guides to make the right insurance decisions.

Quotes that are easy to follow: If you try to find the best auto insurance quote by yourself, you will need to contact several insurers, which will take a lot of time out of your already busy schedule. When you hire an isure Richmond Hill insurance broker, they handle all of these details, including obtaining and comparing quotes from different insurers for you!


When it comes to auto insurance in Richmond Hill, you are in the driver’s seat with isure insurance riding along with you! Our professional insurance brokers provide the most affordable auto insurance rates you will find in Richmond Hill. Our promise to you is to provide knowledgeable and transparent insurance expertise every time you call us or when you get a quote online. We shop for the best auto insurance rates available for you to ensure you obtain insurance you can count on. As Ontario’s leading car insurance broker, our auto insurance rates in Richmond Hill can provide you with high-quality coverage, convenience, and personalized service that exceeds your expectations.

About Richmond Hill Car Insurance

Is it possible to lower the cost of your car insurance in Richmond Hill?

Anti-theft Devices: Any tools or equipment that prevents theft or vandalism to your vehicle can lower your insurance premium.

Winter Tires: The winters in Richmond Hill can be relentless, especially when you need to drive to school or work in the snow every day! Not only is it vital for your safety to have winter tires installed during the snowy months, but you are often eligible for discounts on insurance premiums when your car has winter tires.

What are the factors that affect auto insurance in Richmond Hill?

Your Age: Drivers with more experience on the road often pay much lower auto insurance premiums than newer and younger drivers.

Type of Vehicle: The year, make and model of your vehicle will be used by auto insurance companies when they calculate the premium.

How You Use The Vehicle: The way you drive your vehicle, how often and your driving habits can all play a role in your insurance rate.

Your Postal Code: The more populated, urban areas in Richmond Hill often have a higher claim rate than rural parts. Urban residents can likely expect to pay a higher premium based on their postal code.

Your Vehicle: Aside from the make, model, and year of your vehicle, frequency of theft and safety rating. Certain types of vehicles tend to be a higher risk, as they are shown to be involved in more accidents than others.

Your Age And Sex: It generally follows that older people have had more years of opportunity to learn proper driving habits. Men under 25 are also statistically more prone to crashes than women of the same age, and generally receive higher premiums, but generally evens out after turning 25 years old.

Distance Travelled: The more you’re on the road, the more likely you are to get in an accident. Those who drive more will pay more than those who commute less often.

Your Driving History: If you have had a lot of traffic tickets or major accidents in your time, auto insurance will be much more expensive for you when compared to others with a clean driving record.

What are the neighbourhoods in Richmond Hill?

Even though Richmond Hill is a smaller area of land compared to other GTA cities, it boasts 17 different neighbourhoods! Because auto insurance is based on where you live, you could end up paying more than somebody else living in Richmond Hill. 

Richmond Hill is a grid city that is located south of Aurora, north of Highway 7, west of Stouffville, and east of Bathurst Street. Here is the full list of neighbourhoods in Richmond Hill: 

  • Richvale South 
  • Richvale North 
  • Mill Pond 
  • Westbrook 
  • Jefferson 
  • Oak Ridges – Lake Wilcox 
  • Langstaff 
  • Observatory 
  • Harding 
  • Crosby 
  • Devonsleigh 
  • Rural Richmond Hill 
  • Doncrest 
  • The Bayview Hill 
  • Rouge Woods 
  • North Leslie 
  • West Gormley 

Which Richmond Hill postal code has the highest average premium?

The northernmost region of Richmond Hill is home to a number of the city’s beautiful landscapes and city ponds. It is also home to the highest insurance rates in Richmond HillThe L4E region in Richmond Hill – which includes Oak RidgesLake Wilcox, West Gormley and Rural Richmond Hill – has insurance rates higher than the city’s average cost of insurance, which is upwards of $1,700. 

Which Richmond Hill postal code has the lowest average premium?

L4C has some of the lowest insurance rates in Richmond Hill. It is located on the west side of the city and is home to the city’s GO Station, library, hospital and Hillcrest mall. The region pays less than other areas around the city for their insurance rates but most still pay above the provincial average. 

What impacts your car insurance premiums in Richmond Hill?

Many things can impact your car insurance premiumFor example, the younger you are, the higher your insurance premium will be. The same thing applies if you have less road experience and are deemed more likely to make a claim. Other factors that lead your insurance company to believe you are more likely to make a claim will also increase your insurance premium. This includes driving more, driving for work, having a history of claims, or having a bad driving record. 

How can you lower your auto insurance in Richmond Hill?

You can lower your insurance premium by making some small adjustments to your driving habits. For example, if you drive to work every day, try carpooling three times a week. This way, you can reduce the amount you drive and let your insurance company know you don’t drive as much. Bundling your insurance can also save you big time! If you have a car and a home, make sure they are both on the same policy so you can enjoy the shared benefits. When you use a broker like isure, you will have the opportunity to shop over 25 different insurance providers in order to get the lowest rate! 

Richmond Hill Collision Reporting and Claims Process

Not all car accidents can be avoided, and not all are your fault, either. It does not make getting into a car accident any less stressful. isure has seen a lot of accidents, and unfortunately, there is not much that can decrease the stress of being in a car accident. What does help is knowing what to do if you ever get into one. 

1. Call 911 for medical emergencies

Injuries from car crashes can be extremely serious. Dealing with an injury requires medical attention and should be your first priority following an accident. Call 911 if anyone involved in the accident is hurt or believed to be hurt. 


2. Take pictures

If there are no injuries or injuries have been dealt with, you can proceed to take pictures of the following:

  • Damages 

Take pictures of everything following a crash. Take pictures of damages to both vehicles, as well as any affiliated debris. If the damage extends to the inside of the car, take images of that as well. Note the make, model, and year of the cars involved. 

  • License 

When it comes to contact and personal information, taking a picture of someone’s license and obtaining their phone number may be all you need to do. On a license, the full name, address, and license number are all present and easily photographable. Grabbing a contact number or email can also be obtained easily. 

  • Insurance 

Third, exchange insurance information. This is essential to filing a claim, so be sure you collect the policy number and the provider to properly fill out a claim. Once again, this can easily be done with a photo to speed up the process and make your way to the next step. 

  • Conditions 

Make a note of the weather, time, and location of the accident. It can also be helpful to take account of road conditions, especially if you believe that they had an impact on the accident. 

3. Determine if you need to report the collision

Reporting a collision has to be done within 24 hours of the accident if it is expected that the damages will exceed $2,000 combined between the two vehicles.  

4. Reporting the collision

Reporting to a collision centre should be fairly simple, especially if you have all the information from above. Getting there might be a little bit more complex. You absolutely cannot drive a totaled vehicle to the collision centre. Instead, call a tow truck for your car and a friend or taxi to get yourself there. It is not advised to ever drive your vehicle following an accident without it being checked out professionally by a mechanic.  

The Richmond Hill collision centre is located at: 10720 Yonge St., Richmond Hill 

Call 1-866-876-5423 to be assigned a report number, which will simplify the reporting process 

Officers are available to take your report at the CRC from 8 a.m. to 8 p.m., seven days a week. 

What does your insurance cover? 

Everyone is required to have insurance, but not everyone’s insurance policy is the same. Insurance is designed to cover the repair costs of your vehicle, though certain insurance policies have other features. These features include deductibles and some may even cover tow and taxi costs, as well as regular repairs costs. 

How To Get A Richmond Hill Car Insurance Quote?

isure works with a suite of quality insurers, to find the lowest Richmond Hill car insurance cost for the best insurance plan that suits your needs. We work by the isure pledge to ensure that you are always taken care of, and that we work with your best interests in mind. Our dedicated insurance consultants in Richmond Hill will find you the best choice, and will only recommend moving you to another insurer if it works for you.

Finding the right insurance doesn’t have to be difficult. See how the isure difference can help you keep your driving peace of mind.

Factors Affecting Your Richmond Hill Auto Insurance Quote

There are many factors that go into the price of a Richmond Hill auto insurance policy. Your quote can fluctuate depending on if you require high-risk insurance, or you can have a lower quote if you practice safe driving or if you bundle your policy, for example. Go-telematics is also an option for great drivers as it tracks how you drive (speed, braking, cornering, etc.) to determine your rate.


We understand that there are a lot of options when it comes to auto insurance in Richmond Hill. Sometimes getting a quote from a company can feel like an obligation, rather than what it’s supposed to be: information to help you make an informed decision. This is one of the greatest reasons to use an insurance broker, as they have a suite of trusted insurers they work with to find you the best rate for your auto insurance. Their advice is independent of the companies they represent, and are professionally regulated by the Registered Insurance Brokers of Ontario (RIBO).

When selecting your broker, isure stands out for a reason. Have a look at the chart below to see what makes isure a broker of choice.

We stand by our isure pledge to ensure you receive the care you deserve, because we know you’re not just another number in the system. We work with a large suite of approved insurance providers to give you the best opportunity at finding your lowest quote with a brand you can trust.

When you choose isure, you are choosing the broker that puts you first. See why more people place their trust in isure every day and talk with one of our dedicated insurance professionals today.