Cost of owning a car in Oshawa, per month
On a $75,000 income in Oshawa, the most car this calculator will back is about $14,222, which comes to $937 a month all-in at 9.64% APR over 60 months (7.29% to 11.99% for your credit). Insurance is the reason that number is what it is: the published average in Oshawa is $2,116 a year, the 10th dearest of the 25 Ontario cities we hold a sourced figure for.
Average insurance, a year
$2,116
published city average, 2026-06-22
Regular gasoline
$1.70 a litre
Ontario average, not a local one, 2026-08-29
Vehicle price this supports
$14,222
on a $75,000 income, before tax
Figures dated 2026-06-22 and 2026-08-29
| City | Insurance a year | All-in a month | Against Oshawa |
|---|---|---|---|
| Oshawa | $2,116 | $1,313 | this page |
| Toronto | $2,483 | $1,344 | $31 more a month |
| Markham | $2,364 | $1,334 | $21 more a month |
| Peterborough | $1,739 | $1,282 | $31 less a month |
Why is car insurance so expensive in Oshawa?
Because Ontario prices a policy on where the car sleeps as much as on who drives it. The published average in Oshawa is $2,116 a year, the 10th dearest of the 25 cities we hold a sourced figure for, and the gap to Kingston is about $32 a month on the same car and the same driving record. Claims frequency, repair costs and theft rates in a postal code all feed that, which is why two people an hour apart with identical records pay differently. Age and claims history move it again from there, and only an insurer can quote you: what this page holds is a published average across all drivers, not a price for you.
People also ask
How much is car insurance in Oshawa?
The published average is $2,116 a year, which makes Oshawa the 10th dearest of the 25 Ontario cities we hold a sourced figure for. It is an average across all drivers, not a quote: your own age, record and postal code move it a long way in both directions.
How much tax will I pay on a used car in Oshawa?
Oshawa is in Ontario, so a private sale carries 13% retail sales tax on the purchase price or the Canadian Red Book wholesale value, whichever is greater. On a $14,222 vehicle that is $1,849. From a dealer you pay the same 13% as HST on the advertised all-in price instead.
What income do you need to run a $30,000 car in Oshawa?
About $105,000 a year, before tax and on one income rather than a household's. That is the engine's all-in cost for a $30,000 vehicle in Oshawa, twelve months of it, held to 15% of before-tax income, which is the top of the band we call manageable. The share is measured on gross because that is what the band is set on; the money comes out of take-home. Carry more debt than the example and the figure climbs.
Your Oshawa verdict
- Income, before tax
- $75,000 a year
- Age
- 25 to 34
- Credit
- Good
This scenario
15.0% of income
A vehicle up to $14,222 keeps all-in driving costs at 15.0% of before-tax income in Oshawa, every dollar of it out of take-home.
Sources
- Published average annual premium · dated 2026-06-22
- Ontario regular gasoline price · dated 2026-08-29
A published city average is a book of quotes rather than a market measurement, which is why every one of these figures is held at low confidence and shown as the band it is. The full list is on the assumptions page.