Quote data from MyChoice.ca, April 2025
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 |
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 Code | Average Annual Car Insurance Premium |
|---|---|
| P1H | $1,561 |
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 Rates | Average Savings with MyChoice |
|---|---|---|
| 18-20 | $5,751 | $1,143 |
| 21-24 | $3,286 | $653.21 |
| 25-34 | $2,191 | $435.47 |
| 35-44 | $1,611 | $319.90 |
| 45-54 | $1,321 | $263.14 |
| 55-64 | $1,123 | $222.90 |
| 65+ | $1,280 | $254.89 |
Quote data from MyChoice.ca, April 2025
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 | $1,611 |
| Insurance cancellation due to non-payment | $2,642 |
| Licence suspension for alcohol-related offences | $1,933 |
| One accident | $3,544 |
| Speeding ticket | $2,094 |
Quote data from MyChoice.ca, April 2025
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 $1,561/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.