How Does Car Insurance Work in Innisfil?
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 Innisfil 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 Innisfil referenced above.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability – Accident Benefits – Uninsured Automobile | $988 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $1,228 |
| Coverage Total: | $2,216 |
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 | $309 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault | $662 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage | $17 |
| Coverage Total: | $988 |
*The above coverages are mandatory in Innisfil 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. | $544 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $332 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $239 |
| 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. | $28 |
| OPCF 27: Rental Vehicle | Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them. | $29 |
| 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. | $22 |
| 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. | $32 |
| 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: | $1,228 |
*Any of the above highly recommended coverages in Innisfil may be removed from your quote, but we strongly recommend keeping them to have adequate protection.
How Innisfil Car Insurance Rates Compare to Nearby Cities
Innisfil’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 |
|---|---|
| Innisfil, ON | $2,216 |
| Barrie, ON | $1,915 |
| Newmarket, ON | $2,066 |
| Bradford, ON | $1,871 |
| Aurora, ON | $2,023 |
| Richmond Hill, ON | $2,309 |
Car Insurance Cost in Innisfil by Age
As in any other Canadian city or town, your age will affect the cost of your car insurance.
Generally, drivers who are 65 years old or older have higher car insurance premiums. This is because senior citizens are considered more likely to be injured or killed if they get into a car accident, posing a higher risk that costs more for car insurers to cover.
However, being younger doesn’t mean your car insurance is cheaper. In fact, drivers younger than 25 also generally get charged higher auto insurance premiums. Younger drivers are seen as less experienced by auto insurers, making them more likely to commit traffic violations, earn demerits, and get into accidents.
Find out more about how your age affects the cost of car insurance in Innisfil through our table below:
| Age | Average Annual Car Insurance Premium | Average Savings with MyChoice |
|---|---|---|
| 18-20 | $6,360 | $1,265 |
| 21-24 | $3,280 | $652 |
| 25-34 | $2,526 | $502 |
| 35-44 | $2,216 | $441 |
| 45-54 | $1,884 | $375 |
| 55-64 | $1,751 | $348 |
| 65+ | $1,795 | $357 |
Car Insurance Cost in Innisfil by Driving History
Your driving history can also make your car insurance premiums go up or down.
Generally, drivers with a clean record enjoy the lowest car insurance premiums, as they’re deemed less risky to insure. But if you have a lot of speeding tickets, traffic violations, or accidents on your record, auto insurers in Innisfil may consider you a “high-risk” driver.
High-risk or careless drivers have higher car insurance premiums. The more violations you have on your record, the more expensive your car insurance will be. While demerits and violations only stay on your Ontario driving record for two years, note that insurers might check your driving history as far back as 10 years. This means even old tickets or violations can increase the cost of your car insurance in Innisfil.
Here’s a quick look at how different driving violations can affect your car insurance quotes in Innisfil, according to our research:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $2,216 |
| Insurance cancellation due to non-payment | $3,080 |
| Licence suspension for alcohol-related offences | $2,327 |
| One at-fault accident | $4,343 |
| Minor speeding ticket | $2,681 |
Car Insurance Cost in Innisfil by Vehicle Model
Below is a breakdown of the estimated insurance costs for various car models in Innisfil. 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 |
|---|---|
| Mazda | $2,066 |
| Honda | $2,033 |
| Toyota | $2,333 |
| Hyundai | $2,235 |
| Audi | $2,755 |
| BMW | $2,579 |
| Tesla | $2,176 |
| Mercedes | $2,195 |
| Subaru | $1,923 |
| Volkswagen | $2,039 |
The Best Car Insurance Brokerages in Innisfil
An auto insurance brokerage can help you narrow down your car insurance options by comparing offers between different companies and answering your questions.
Here are some top-notch car insurance brokerages in Innisfil. Contact them through their details below to get help with looking for affordable auto insurance:
| Brokerage | Address | Phone Number |
|---|---|---|
| Innisfil Insurance | 2109 Wilson St, Innisfil, ON L9S 0N8, Canada | +16476482537 |
| Odette Novielli Desjardins Insurance Agent | 7869 Yonge St #1, Innisfil ON L9S 1K8, Canada | +17054363276 |
| Hambly Insurance Brokers | 1 King St S, Cookstown ON L0L 1L0, Canada | +17054584709 |
Driving in Innisfil
Innisfil is located near Lake Simcoe’s western shore, just south of Barrie, Ontario. Known for being a rural town, it’s recently grown into a bustling commuter hub and increased its residential development. Many employees going to Toronto workplaces pass through this quiet community, causing longer commutes and more congested roads.
Is Innisfil a good place to drive or commute? Here are some key facts about driving and commuting in this town:
- Major highways in Innisfil: King’s Highway 11, 89, 400
- Public transit options: Innisfil Transit (subsidized partnership with Uber)
- Ridesharing services: Uber, Lyft
- Parking space providers: The Town of Innisfil, private lots
- Top tourist attractions: Innisfil Beach Park, Kempenfelt Bay, Cook’s Bay, Tanger Outlet Cookstown, Innisfil Indy Karting, Georgian Downs, Big Cedar Point Golf and Country Club
- Busy intersections: Lockhart Road and 20th Sideroad, Yonge Street and Innisfil Beach Road, Innisfil Beach Road and Sideroad 10
- Airports: N/A
Main Mode of Commuting in Innisfil
An overwhelming majority of Innisfil’s 16,050 commuters travel by car, truck, van or other personal vehicle. That means there are less than 1,000 people commuting with different methods. Here’s a detailed look at the modes of commuting in Innisfil:
| Main mode of commuting | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 16,050 | 100.0 |
| Car, truck or van | 15,220 | 94.8% |
| Car, truck or van – as a driver | 14,290 | 89.0% |
| Car, truck or van – as a passenger | 925 | 5.8% |
| Public transit | 125 | 0.8% |
| Walked | 345 | 2.1% |
| Bicycle | 35 | 0.2% |
| Other method | 325 | 2.0% |
Commuting Duration in Innisfil
Despite being a relatively small town, Innisfil is a bustling commuter hub with many workers coming through it every day. The impact to Innisfil’s commute times speaks for itself. Around 25% of Innisfil’s commuters spend over an hour on the road getting to work. Here’s a look at the commute times in Innisfil:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 16,050 | 100.0 |
| Less than 15 minutes | 2,755 | 17.2% |
| 15 to 29 minutes | 4,060 | 25.3% |
| 30 to 44 minutes | 2,785 | 17.4% |
| 45 to 59 minutes | 2,355 | 14.7% |
| 60 minutes and over | 4,095 | 25.5% |
Driving Conditions in Innisfil
Driving conditions like rain, average commute time, and snow affect road safety, so they also have a significant impact on the cost of car insurance in a city or town.
Here’s a guide to the average driving conditions in Innisfil:
- Average daily commute time: 62 minutes round trip
- Average annual rainfall: 621 mm
- Average annual snowfall: 553 mm
- Rainy days per year: 145 days
- Rainiest month in Innisfil: September
- Driest month in Innisfil: February
- Snow days per year: 66.4 days
- Snowfall months in Innisfil: January – May, October – December.
Traffic in Innisfil
Innisfil was initially known for being a community that provided seasonal homes for Toronto residents, particularly for its picturesque cottages by Lake Simcoe.
However, the town is now booming with permanent residents, and many seasonal lake houses have now become year-round homes, particularly for families and “empty nesters”. The increase of residents in this sleepy Ontario town has affected traffic conditions in Innisfil.
Here, we break down important traffic information about Innisfil:
- Population: 43,326 people live within Innisfil’s town limits.
- Town area: Innisfil’s town limits span 262.39 km2.
- Time spent in traffic annually: The average Innisfil resident spends 62 minutes in traffic daily, totalling roughly 377 hours per year.
Busiest highway: Innisfil’s busiest highway is Highway 400.
The Most Common Questions About Car Insurance in Innisfil
How much does Innisfil car insurance cost?
Innisfil car insurance costs an average of $2,216/year.
How can you get cheaper car insurance in Innisfil?
Compare car insurance rates in Innisfil with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.