Auto Insurance in Whitby

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Whitby Auto Insurance with Oracle RMS

If you reside in Whitby and own a registered vehicle, it is important to have auto insurance. Driving without car insurance is a very serious offence; you can be fined for a first conviction of a minimum of $5,000.00.

Located in Durham Region, the Town of Whitby is home to 137,288 residents. It is located in Southern Ontario east of Ajax and west of Oshawa. The Town of Whitby is known as a commuter suburb in the eastern part of the Greater Toronto Area since there are only 13,570 residents who work locally. This results in many residents getting on the roads and driving to work, by mostly using Highway 401. Therefore, with many drivers and vehicles on the roads in the Town of Whitby, the more risks there are for all. 

In Whitby, when you purchase Auto Insurance with Oracle RMS, you are insuring your vehicle, all listed drivers, and any loss or damages resulting from a car accident.

By partnering with Oracle RMS, we provide excellent customer service and work hard to get you some of the lowest auto insurance rates in Whitby that best suit your unique needs. We are proud to be partnered with a wide range of insurance companies who can provide a variety of auto insurance quotes for all Whitby residents.

At Oracle RMS, you will work along with one of our licensed brokers to help guide you through the quoting process. They will make sure you understand all the insurance jargon and information up to the last detail of your auto policy before you’ve made the final decision.

Auto insurance will protect and provide coverage for your vehicle(s), all listed drivers and any loss or damages. In Ontario, it is required to include and purchase the following automobile insurance coverage below:

Third Party Liability Coverage:

This section of a car insurance policy will provide coverage to protect the insured if a third-party has been injured or have succumbed to their injuries, or their property is damaged. It will compensate for claims in the event of a lawsuit against the insured up to the limit of their coverage. It will also compensate for the cost of settling a claim.

Uninsured Automobile Coverage:

This coverage will protect the insured and their family, should they be injured or killed by a hit-and-run driver or by an uninsured motorist. It will also provide coverage to the insured’s vehicle caused by an identified uninsured driver.

Direct Compensation – Property Damage (DC-PD) Coverage:

This section of a car insurance policy covers damage to the insured’s vehicle and its contents and for loss of use of their vehicle or its contents in the case of an accident, for which the insured was not responsible for. Since it was another individual who caused damage, the insured will collect direct compensation from their insurer.

Statutory Accident Benefits Coverage

This will provide the insured with benefits if they are injured in an auto accident, regardless of who caused the accident. This includes medical, rehabilitation and attendant care benefits and income replacement benefits.

Whether customers are shopping for car insurance, are informed about their upcoming auto policy renewal or are looking to save money on their current policy, overall, it is important to be informed about auto insurance and how a policy works.

The Right Coverage For You

At The Best Price

Driving Statistics in Whitby

Overall, there are a total of 47,075 drivers in Whitby, which equals 78.41%. 25,020 of those Whitby drivers are male, while the remaining 22,055 of Whitby drivers are female. In addition, there are a total of 3,195 Whitby passengers who are carpooling every day with other drivers.

With that being said, other forms of transportation for Whitby residents are public transit with a total of 7,490 bus commuters, while 1,575 residents choose to walk to their destination, leaving a small total of 175 residents riding their bikes to work. Meanwhile, 530 Barrie residents have found other methods of transportation.

Majority of commuters in the Town of Whitby leave their homes to get to work from 7:00 AM to 7:59 AM, therefore the roads are at their busiest within that time frame. The second busiest time for commuters to leave their homes to head to work is from 6:00 AM to 6:59 AM, which is 18.96%. However, 11,370 commuters would prefer to leave at a later time to work between 8:00 AM to 8:59 AM.

Driving Facts in Whitby


Ontario Highway 407 was opened in Whitby in 2016, which passes between Brooklin and the urban portion of the town.

Ontario Highway 412, is another Ontario toll that connects to the 401 and 407, which was also opened to traffic in 2016.

Brock Street and Highway 401 roughly sees 40,000 vehicles per day on the busiest stretches.

Getting insured is quick and easy!

Auto insurance is what you need, request a free online quote now. Takes less than two minutes!

Words From Our Customers

“I’ve used Oracle RMS for my insurance for years and years. Very knowledgeable and helpful. Chris Masucci gave me honest advice about my insurance options and helped me choose the best coverage for my needs. He is friendly and super responsive if I have any questions. Would recommend!”

Lauren Chee-Hing,
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“I purchased my first car a year and a half ago and called Oracle for an insurance quote. They have excellent customer service – in particular, Chris was very helpful in getting me a great rate. He is extremely prompt at answering any questions I have about my policy and about anything insurance related! I highly recommend this brokerage.”

Andrea Lee,
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