How Does Car Insurance Work in Huntsville?
Car insurance is mandatory in Ontario, but it’s important to understand the factors that influence your insurance premium and the types of coverage you should consider.
Below is a breakdown of what’s included in your car insurance package in Huntsville when you get a quote with MyChoice, categorized by mandatory and highly recommended coverages. Together, the mandatory and recommended coverage premiums reflect the average car insurance cost in Huntsville referenced above.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability – Accident Benefits – Uninsured Automobile | $725 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $900 |
| Coverage Total: | $1,624 |
Mandatory Coverages
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Third-Party Liability | Protects you if you injure someone or damage property while driving, and covers legal costs if you’re sued | $227 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault | $485 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage | $13 |
| Coverage Total: | $725 |
*The above coverages are mandatory in Huntsville and will always be included in a standard car insurance quote.
Highly Recommended Coverages
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Direct Compensation: Property Damage | Covers damage to your own vehicle if you’re not at fault in an accident with another insured driver in Ontario. | $399 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $243 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $175 |
| OPCF 20: Loss of Use | Pays for rental or other transportation if your car is out of service after an at-fault accident or comprehensive claim. | $20 |
| OPCF 27: Rental Vehicle | Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them. | $21 |
| OPCF 44R: Family Protection | Covers you and your family if you’re hit by an uninsured, underinsured, or hit-and-run driver and their coverage isn’t enough. | $16 |
| OPCF 39: Accident Forgiveness | Prevents your insurance premiums from increasing after your first at-fault accident, as long as you stay with the same insurer. | $24 |
| OPCF 43: Waiver of Depreciacion | Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off. | $2 |
| Coverage Total: | $900 |
*Any of the above highly recommended coverages in Huntsville may be removed from your quote, but we strongly recommend keeping them to have adequate protection.
How Huntsville Car Insurance Rates Compare to Nearby Cities
Huntsville’s car insurance rates are some of the highest in the region. You can see how they compare to some of the neighbouring cities in the table below.
| City | Average Annual Car Insurance Premium |
|---|---|
| Huntsville, ON | $1,624 |
| North Bay, ON | $1,672 |
| Sudbury, ON | $1,698 |
| Orillia, ON | $1,672 |
| Barrie, ON | $1,915 |
| Timmins, ON | $1,607 |
Car Insurance Cost in Huntsville by Age
One factor that can affect your car insurance rates is age.
Young drivers tend to receive higher insurance premiums because they lack experience on the road. You can keep your rates low as a student driver by enrolling in a defensive driving class, applying for student discounts, or enlisting as a secondary driver on a parent’s existing policy.
Rates tend to decrease for drivers between 25 and 35, though they increase again for senior drivers, as they are more likely to get critically injured in an accident.
Take a closer look below at how age can affect your car insurance rates:
| Age | Average Annual Car Insurance Premium | Average Savings with MyChoice |
|---|---|---|
| 18-20 | $4,661 | $927 |
| 21-24 | $2,404 | $478 |
| 25-34 | $1,851 | $368 |
| 35-44 | $1,624 | $323 |
| 45-54 | $1,380 | $275 |
| 55-64 | $1,283 | $255 |
| 65+ | $1,315 | $262 |
Car Insurance Cost in Huntsville by Driving History
Insurance providers prefer low-risk drivers with clean records. However, you can still get reasonable rates with a bad driving record.
Generally, traffic tickets stay on your record for two to three years, after which insurance companies can no longer penalize you for them. That said, some insurers may consider your record as far back as 10 years.
Various driving violations affect your rates differently. Take a look below:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,624 |
| Insurance cancellation due to non-payment | $2,257 |
| Licence suspension for alcohol-related offences | $1,705 |
| One at-fault accident | $3,183 |
| Minor speeding ticket | $1,965 |
Car Insurance Cost in Huntsville by Vehicle Model
Below is a breakdown of the estimated insurance costs for various car models in Huntsville. This should give you an idea of what you can expect to pay for car insurance based on the vehicle model you drive.
| Car Model | Average Annual Car Insurance Premium |
|---|---|
| Honda | $1,490 |
| Toyota | $1,710 |
| Tesla | $1,595 |
| Hyundai | $1,638 |
| Audi | $2,019 |
| BMW | $1,890 |
| Mazda | $1,514 |
| Mercedes | $1,609 |
| Subaru | $1,409 |
| Volkswagen | $1,494 |
The Best Car Insurance Brokerages in Huntsville
If you don’t have the time to compare quotes yourself, you can enlist the help of a dependable car insurance brokerage to do it for you.
You can contact some of the best brokerages in Huntsville, which include the following:
| Brokerage | Address | Phone number |
|---|---|---|
| Hutcheson Reynolds & Caswell Insurance Brokers | 27 Main St E, Huntsville ON P1H 2C6, Canada | +17057890101 |
| CCV Insurance & Financial – Huntsville | 75 Main St W #1, Huntsville ON P1H 1W9, Canada | +17057894165 |
| Hutcheson Reynolds & Caswell Insurance Brokers | 27 Main St E, Huntsville ON P1H 2C6, Canada | +17057890101 |
Driving in Huntsville
Known for its riverside pubs, restaurants, and breweries, Huntsville, Ontario, is a quaint town that draws a reasonable number of tourists year-round. This historic town hosts unique cultural events, such as music festivals and art gatherings.
While you can find your way around the area by bus, most people drive. Here are a few key facts you should know about driving in Huntsville:
- Major highways: Highway 11, Highway 60
- Public transit options: Huntsville Transit (bus)
- Ridesharing services: Uber, Lyft
- Parking space providers: Town of Huntsville, private lots
- Top tourist attractions: Arrowhead Provincial Park, Lions Lookout, Sugarbush Maple Hill Farm, Downtown Huntsville, Muskoka Heritage Place, Hidden Valley Highlands Ski Area
- Busy intersections: Old Madison Pike and Research Park Boulevard, Jordan Lane and University Drive, Jordan Lane and I-565
- Airports: Muskoka Airport
Main Mode of Commuting in Huntsville
Huntsville is a very small town, so most people use their personal vehicles to commute. Even then, out of the roughly 20,000 residents, only 7,000 people commute by car. Pedestrian commuters are also fairly common in Huntsville, making up 4.6% of the total commuters. Here’s a detailed look at the main modes of commuting in Huntsville:
| Main mode of commuting | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 7,615 | 100.0 |
| Car, truck or van | 7,090 | 93.1% |
| Car, truck or van – as a driver | 6,510 | 85.5% |
| Car, truck or van – as a passenger | 580 | 7.6% |
| Public transit | 30 | 0.4% |
| Walked | 350 | 4.6% |
| Bicycle | 30 | 0.4% |
| Other method | 120 | 1.6% |
Commuting Duration in Huntsville
Traffic is mostly sparse in Huntsville, so you won’t experience lengthy commutes most of the time. About two-thirds of the town spend under half an hour commuting. Here’s a closer look at the commuting times in Huntsville:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 7,615 | 100.0 |
| Less than 15 minutes | 3,190 | 34.9% |
| 15 to 29 minutes | 2,490 | 32.7% |
| 30 to 44 minutes | 1,090 | 14.3% |
| 45 to 59 minutes | 360 | 4.7% |
| 60 minutes and over | 485 | 6.4% |
Driving Conditions in Huntsville
Huntsville’s climate is cold and temperate, with generally comfortable summers and bitingly cold winters. Even during its driest month, Huntsville gets a generous amount of rain.
Keep these weather facts in mind when driving in Huntsville:
- Average daily commute time: 38 minutes round trip
- Average annual rainfall: 1033 mm
- Average annual snowfall: 45 mm
- Rainy days per year: 155 days
- Rainiest month in Huntsville: January
- Driest months in Huntsville: March
- Snow days per year: 179 days
- Snowfall months in Huntsville: October – April
Traffic in Huntsville
Huntsville is a small town that doesn’t experience too much congestion on the road. However, you will get your fair share of traffic depending on the season.
Here’s what you can expect when driving in Huntsville:
- Population: Roughly 19,816 people reside in Huntsville.
- City area: The Huntsville city limits span 68.72 km2.
- Busiest highways: The busiest highways in Huntsville are Highway 11 and Highway 60.
The Most Common Questions About Car Insurance in Huntsville
How much does Huntsville car insurance cost?
Huntsville car insurance costs roughly $1,624/year.
How can you get cheaper car insurance in Huntsville?
Compare car insurance rates in Huntsville with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.