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Huntsville Car Insurance

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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$84.22Jul 24, 2024, 04:44 PMAuto63FemaleM1J2C8
$43.53Jul 24, 2024, 06:04 PMHome47MaleL7P1Y9
$29.37Jul 24, 2024, 09:54 AMTenant41MaleN8W5N7

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

Updated on May 16, 2024

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

Updated May 16, 2024

Visit author page

3 minute read

Article Contents

Quick Facts About Auto Insurance in Huntsville

  • Huntsville car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Huntsville for a driver with comprehensive/collision coverage and a clean record is around $1,561.
  • Comparing Huntsville auto insurance quotes with MyChoice can save you up to $1,004 annually.

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:

BrokerageAddressPhone number
Hutcheson Reynolds & Caswell Insurance Brokers27 Main St E, Huntsville
ON P1H 2C6, Canada
CCV Insurance & Financial – Huntsville75 Main St W #1, Huntsville
ON P1H 1W9, Canada
Hutcheson Reynolds & Caswell Insurance Brokers27 Main St E, Huntsville
ON P1H 2C6, Canada

Auto Insurance by Postal Code in Huntsville

On average, car insurance in Huntsville costs $1,561/year. Compared to other towns in Ontario, Huntsville’s rates are somewhat above the regional average of $1,673. 

P1H is the most expensive (and only) postal code to purchase car insurance in Huntsville.

Postal CodeAverage Annual Car Insurance Premium

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:

AgeAverage Annual RatesAverage Savings with MyChoice

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 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

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 commutingCountsRates
Total – 25% Sample Size7,615100.0
Car, truck or van7,09093.1%
Car, truck or van – as a driver6,51085.5%
Car, truck or van – as a passenger5807.6%
Public transit300.4%
Other method1201.6%

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 durationCountsRates
Total – 25% Sample Size7,615100.0
Less than 15 minutes3,19034.9%
15 to 29 minutes2,49032.7%
30 to 44 minutes1,09014.3%
45 to 59 minutes3604.7%
60 minutes and over4856.4%

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 $1,561/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.


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, Huntsville, Car Insurance Quotes Collected, 2024.

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

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

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

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

6. Statistics Canada, 2021, Census of Population, Ontario, Huntsville, Commuting Duration. Data Published March 29, 2023.

7. Weather Network Canada, Historical Averages, Ontario, Huntsville.

8. 511 Ontario Traveller Information, Ontario, Huntsville.

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