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Collingwood Car Insurance

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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on May 15, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated May 15, 2024

Visit author page

3 minute read

Article Contents

Quick Facts About Auto Insurance in Collingwood

  • Collingwood car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Collingwood for a driver with comprehensive/collision coverage and a clean driving record is around $1,561.
  • Comparing Collingwood auto insurance quotes with MyChoice can save you up to $1,108 annually.

The Best Car Insurance Brokerages in Collingwood

Car insurance brokers help you choose the right auto insurance policy by answering your questions and comparing policy offers.

Here are several brokers in Collingwood that you can contact for extra assistance when seeking car insurance:

BrokerageAddressPhone number
Insurance Store1 Hume St Suite 105,
Collingwood, ON L9Y 0X3, Canada
CMR Insurance Brokers Ltd192 First St,
Collingwood, ON L9Y 1A7, Canada
Karen Logan-Hartle
Desjardins Insurance Agent
285 Ste Marie St Ste 1,
Collingwood, ON L9Y 3K6, Canada
Co-operators – WD Redick
& Associates Inc
47 Ste Marie St,
Collingwood, ON L9Y 3J9, Canada

Auto Insurance by Postal Code in Collingwood

The average car insurance in Collingwood costs $1,561, making it roughly $100 lower than Ontario’s provincial average and Collingwood only has one postal code, L9Y.

Postal codeAverage Annual Car Insurance Premium

Car Insurance Cost in Collingwood by Age

Age is a major driving factor in whether you can expect higher insurance premiums. Generally, the idea is that older drivers have more experience and are thus more likely to be responsible and capable of avoiding accidents. 

Drivers under the age of 25 can expect higher insurance premiums, while those in their 50s and 60s can expect the lowest insurance rates. However, once you reach a certain age, your premium rates start to rise again – usually when you reach the age of 65 or become a senior citizen

Based on studies, 75-year-old male drivers pay 21% more for auto insurance than 55-year-old male drivers. This is because as people get older, they go through physical changes that can affect their driving ability, such as changes in vision, attention, fitness, and reaction time. 

Take a look at how much car insurance costs can vary by age in Collingwood:

AgeAverage Annual RatesAverage Savings with MyChoice

Car Insurance Cost in Collingwood by Driving History

Take a look below at how car insurance quotes vary by violation in Collingwood:

Driving ViolationAverage Annual Car Insurance Premium
Clean driving record$1,561
Insurance cancellation due to non-payment$2,560
Licence suspension for alcohol-related offences$1,873
One accident$3,434
Speeding ticket$2,029

All estimated rates are based on a 35-year-old female driving a 2018 Honda Civic four-door.

Your driving record plays a major role in determining the cost of your insurance premiums. Insurance companies will usually request the following:

  • Demerit point total
  • Any convictions, suspensions, and reinstatements under the Highway Traffic Act and Criminal Code of Canada
  • Records of collisions
  • Any driver’s license replacements/renewals

A clean driving record will help you get lower premiums, while a record laden with violations will get you tagged as a high-risk driver and cause insurance companies to charge you more.

In Ontario, driving violations remain on your record for two years, but they can affect your premium rates for far longer. 

Driving in Collingwood

If you’re driving in a city or town, it helps to know the key facts about your location. Here are some key facts about driving in Collingwood you should know:

  • Major highways in Collingwood: 26
  • Public transit options: Colltrans (bus)
  • Ridesharing services: Uber, SuperShuttle
  • Parking space providers: The Town of Collingwood, private lots
  • Top tourist attractions: Collingwood Museum, Sunset Point Park, Collingwood Arboretum, St. Mary’s Roman Catholic Church
  • Busy intersections: Fourth and Hurontario, Grey Road 19 and 21, First and Hurontario and Huron
  • Airports: Collingwood Airport

Main Mode of Commuting in Collingwood

Since it’s a small town, commute times in Collingwood are generally short. Here’s a detailed look at the commuter data in Collingwood:

  • Average commute distance: The average Collingwood resident travels x km to their workplace or school. 
  • Commute duration: Over half (54.7%) of Collingwood’s households spend under 15 minutes on their commutes. The second-largest portion (22,7%) of households spend 15 to 29 minutes getting to work.
  • Main mode of commuting: Personal vehicles are the most popular way to travel in Collingwood, with 86.8% of households using them. Interestingly, nearly six times more people prefer to walk to work than take public transit.

Driving Conditions in Collingwood

Various weather and driving conditions like snow and rain can affect your auto insurance premiums. Here’s an overview of driving conditions in Collingwood: 

  • Average annual rainfall: 101 mm
  • Average annual snowfall: 131 mm
  • Rainy days per year: 133
  • Rainiest month in Collingwood: October
  • Driest months in Collingwood: February
  • Snow days per year: 53

Snowfall months in Collingwood: October-May

Traffic in Collingwood

Collingwood is a charming small town known for its heritage and culinary community. Whether you’re in Collingwood as a resident or as a visitor, it helps to understand more about traffic in the town.

Here’s a quick look at the key traffic statistics in Collingwood:

  • Population: 24,811 people live within Collingwood’s city limits.
  • City area: Collingwood’s city area spans 33.15 km2.
  • Busiest highways: Highway 26 that runs between Owen Sound and Barrie passes through Collingwood.

Collingwood Car Insurance FAQs

Is ridesharing insurance available in Collingwood?

Ridesharing insurance for Uber and Lyft drivers is available in Collingwood. Ask your insurer for more details.

How much does Collingwood car insurance cost?

Collingwood car insurance costs $1,561/year.

How can you get cheaper car insurance in Collingwood?

Compare car insurance rates in Collingwood with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.


Sample Size

We analyzed over 50,000 auto insurance quotes across Canada.


Average rates were calculated using a standard profile and incident profiles. All personal details pertaining to the quotes and policies have been kept confidential.

Standard Profile

Single driver, one car, currently insured, and a pristine driving record. Our base profile is a 35-year-old individual (both male and female) with a spotless driving record.

Incident Profiles

We examined how rates change by evaluating profiles with a clean record (standard), one at-fault accident, a single speeding ticket, license suspension for alcohol related offenses and insurance cancellation due to non-payment.

Vehicle Details

These individuals own a 2018 Honda Civic, commute five days a week, and cover a distance of 15,000 kilometres annually.

Vehicle Models

Costs were also analyzed for different vehicles: Mazda CX-5, Ford Escape, Toyota Corolla, Honda Accord, Chevrolet Equinox, and the base 2018 Honda Civic.

Age and Homeownership

Profiles from age 18-65 (standard: 35 years) were considered. Depending on age, individuals might rent or own their homes. Age-related regulations may vary across provinces.


MyChoice data science, MyChoice research.


1. Mychoice.ca Internal Data, Auto Insurance by Postal Code, Ontario, Collingwood, Car Insurance Quotes Collected, 2024.

2. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, Collingwood, Car Insurance Quotes Collected, 2024.

3. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, Collingwood, Car Insurance Quotes Collected, 2024.

4. City of Collingwood Website, Driving & Transit Information. Data Collected, 2024.

5. Statistics Canada, 2021, Census of Population, Ontario, Collingwood, Main Mode of Commuting. Data Published March 29, 2023.

6. Weather Network Canada, Historical Averages, Ontario, Collingwood.

7. 511 Ontario Traveller Information, Ontario, Collingwood.

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