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Innisfil Car Insurance

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Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$98.31Apr 21, 2024, 05:10 AMAuto67FemaleL6T4B6
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$26.41Apr 21, 2024, 04:01 PMTenant41MaleL7A5B5

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

Updated on March 20, 2024

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

Updated March 20, 2024

Visit author page

12 minute read

Article Contents

How Can You Get Cheap Car Insurance in Innisfil?

You can get cheap Innisfil car insurance by finding the best deals. Here are several tips to help you do so:

Compare Rates Between Insurers

Innisfil has a highly competitive auto insurance market, so insurers are constantly vying for your business. When insurers try to give you the best deals, it’s you who wins. Compare rates and shop around to see which insurance provider fits your auto protection needs affordably.

Take Bundled Policies

One of the best ways to save money while shopping is to buy a package deal, and insurance is no different. If you bundle home and auto insurance from the same company, you’re much more likely to get lower rates.

Ask For A Higher Deductible

You must pay a deductible on insurance claims before your carrier covers the remaining expenses. A higher deductible means paying extra if something happens to your car, but it also means you’ll get lower insurance premiums.

Request Group Discounts

Many insurance companies deal in group discounts for companies and other organizations. If you’re shopping for auto insurance in Innisfil for work, ask your agent about group deals and discounts.

Pay Annual Premiums

Paying annual insurance premiums might look expensive initially, but it’s generally cheaper than paying them monthly. Ask your insurers about half-year premiums if you can’t afford annual premiums.

Drive Safely

Motor vehicle offences and accidents stay on your record for years. Unfortunately, any driving violation on your record will considerably increase your insurance rates. However, this also means you’ll get lower auto insurance rates if you have no offences on record.

Consider Taking Usage-Based Insurance

Usage-based insurance (UBI) or pay-as-you-go insurance tracks your driving behaviour to determine how much you must pay for insurance. Taking UBI lets you save up to 30% on your annual premiums, so it’s a good option if you consider yourself a safe driver.

Take Driving Courses

Accredited driving lessons make you a safer driver and let you earn discounts on auto insurance in Innisfil.

Choose the Coverage You Need

Naturally, more insurance protection leads to higher rates. While some auto insurance coverage is mandatory, you have optional insurance coverage like at-fault accident and theft protection. Review your policy and skip unnecessary optional coverage to save on insurance premiums.

Buy Affordable Cars

Cars that are expensive and hard to replace tend to get hit with higher premiums. If possible, buy affordable and reliable cars that are more common and easy to repair or replace if you want lower insurance rates.

Quick Facts About Auto Insurance in Innisfil

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

Who Provides Car Insurance Quotes in Innisfil?

Insurance brokers, agents, aggregators, and direct writers provide car insurance quotes in Innisfil. Here’s an overview of these four insurance quote providers:

Insurance Brokers

Insurance brokers are independent professionals who help you shop for the best rates by comparing deals from multiple insurers. Because they have a bird’s-eye view of the current Innisfil insurance landscape, they can show you which companies offer the best insurance deals and answer any questions you may have.

Brokers take a commission from insurance companies, which could increase your rates. You might spend more money than if you had found an insurer yourself.

Direct Writers

Like insurance agents, direct writers only sell insurance products from one company. Direct writers are typically found online and are cheaper because they don’t have physical offices.

Insurance Agents

Insurance agents work for a certain insurer, so they can only offer their employer’s insurance products. However, they know their insurer like the back of their hands and might even give you discounts that brokers don’t have access to.

Additionally, insurance agents can close insurance sales independently, meaning you can purchase insurance from them right then and there. 

Insurance Aggregators

An insurance aggregator website like MyChoice compiles rates from various insurance brokers, companies, and direct writers in one place. You can browse aggregator websites to find the best deals from the top insurance companies and get quotes instantly.

Better yet, insurance aggregators are accessible online and entirely free for customers, so you can look up insurance rates without spending a single penny or leaving the house.

How Does Car Insurance Work in Innisfil?

Car insurance in Innisfil works by providing financial coverage in case something bad happens to you or your car, depending on the protection you choose. Auto insurance in Innisfil is mandatory by local laws, which means you need car insurance to avoid fines or driver’s licence suspensions.

Worse still, if you get convicted of driving without insurance, you’ll get higher premiums from carriers. This makes driving again prohibitively expensive or even nearly impossible after being caught driving without insurance. That’s why getting auto insurance is essential before buying a car or driving in Innisfil.

Here’s a breakdown of the key elements of your auto insurance policy:

The mandatory car insurance requirement for Innisfil drivers are:

Third-Party Liability (TPL) Coverage 

This insurance component provides financial compensation if you cause an accident that results in car damage or somebody getting hurt or killed. Per Financial Services Commission of Ontario (FSCO) regulations, you need at least $200,000 in TPL coverage.

Statutory Accident Benefits Coverage

This insurance component pays for your medical bills, rehabilitation, and possible funeral expenses if you get hurt or killed in a car accident, regardless of who’s at fault. Accident benefits coverage also offers income replacement worth 70% of your gross income, capped at $400 per week.

Uninsured Automobile Insurance 

Uninsured automobile insurance covers your medical bills and funeral expenses if you’re struck by uninsured vehicles or hit-and-run drivers. Additionally, it compensates for vehicular damage caused by uninsured drivers.

Direct Compensation – Property Damage (DC-PD) Insurance

DC-PD insurance compensates you for the damage other drivers cause in an accident. However, DC-PD only kicks in if the other person is at fault, they’re also insured, and the accident takes place in Innisfil. 

Once you meet the minimum car insurance coverage requirements, you can legally drive in Innisfil. However, it pays to have extra protection beyond the basics in case you get in an accident.

Since minimum car insurance only goes so far, we’ve got some extra Innisfil car insurance recommendations for you:

Extra TPL Coverage

The mandatory $200,000 insurance minimum can be too small, so many drivers choose to get coverage up to $2 million if they cause property damage or hurt somebody in an accident.

Additional Statutory Accident Benefits

Many people get additional coverage for medical bills and funeral expenses in their statutory accident coverage. You can also get extra income replacement protection if 70% income capped at $400 a week seems too limited.

More Comprehensive Property Damage Protection

DC-PD coverage has very specific coverage terms like the other driver also needs to be insured, and the accident must occur in Innisfil. To cover their bases, many people purchase extra insurance that still protects them even when the other driver is uninsured, and the accident happens in other provinces.

In addition to mandatory insurance coverage outlined by the FSCO, you can take optional insurance coverage like:

Specified Perils Protection

Specified perils insurance coverage protects you from loss or damage due to a specific cause. The most common perils insured are:

Many insurers also offer comprehensive auto insurance in Innisfil if you want protection from all these perils.

Accident Forgiveness

Insurers usually raise your premiums if you’re at fault for causing an accident. If you’ve been a safe driver for several years, you can take extra accident forgiveness coverage so you won’t get higher premiums if you cause an accident. Note that accident forgiveness only works on your first accident, and subsequent violations will still raise your rates.

Limited Depreciation Waiver

If you take a limited waiver of depreciation, you can receive your car’s purchase price as compensation if it’s been stolen or deemed a total loss after an accident. 

How Your Car Insurance Quotes Are Calculated in Innisfil

Your car insurance rates are calculated based on how risky you are to insure. Naturally, drivers more likely to get into accidents will have higher premiums than those less likely to be in an accident.

Here are seven factors that influence your Innisfil car insurance quotes:

Age, Gender, and Marital Status

Your personal demographics influence auto insurance premiums in Innisfil because different people have varying accident risks. 

Younger people tend to get higher premiums because insurance companies see them as more accident-prone than older people. Generally, your car insurance rates start decreasing when you hit 25 years old as long as you keep a safe driving record. However, insurance premiums increase again for people aged 65 and older because they’re more likely to be injured or killed in traffic accidents.

Women often get lower insurance rates because they’re seen as more careful drivers and don’t take as many risks as men.

Marital status also determines your rates because most insurance companies see married people as more financially stable and less-risky drivers. Married couples also tend to bundle home and auto insurance, saving more on premiums.


People who live in urban areas often see higher insurance premiums because they’re more prone to car accidents and theft. 

Car Make and Model

Expensive cars are more costly to repair or replace, so insurance premiums are usually higher than more common vehicles. You can install security features like anti-theft devices if you have an expensive car and want to save on insurance premiums.

Driving History

People who drive safely are rewarded with lower premiums because they’re usually less likely to get into a traffic accident. Conversely, people who have gotten into multiple accidents get higher premiums because they’re more likely to be involved in another accident down the line.

Driving Activity

Logic dictates that people who drive frequently are more likely to get in an accident. Therefore, kilometres driven is one of the determining factors that set your Innisfil auto insurance rates.

Insurance Coverage Chosen

Your coverage options influence your insurance rates because taking more coverage gives you more protection. Naturally, the more coverage you choose, the higher your rates.

Policy Discounts

Getting discounts can lower your auto insurance rates and make them more affordable. You can typically get discounts by bundling home and auto insurance or asking for a group discount for your workplace or organization.

Auto Insurance by Postal Code in Innisfil

The average car insurance rate in Innisfil, ON is $1,561/year, which is cheaper than Ontario’s provincial average of $1,673/year.

The L9S area in Innisfil is the postal code with the most expensive car insurance premium rate in town by default, since it’s the only postal code in the city.

Postal CodeAverage Annual Car Insurance Premium

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:

AgeAverage Annual RatesAverage Savings with MyChoice

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 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

Other Factors That Affect Car Insurance Prices in Innisfil

We’ve covered several factors that influence car insurance rates in Innisfil. Aside from those, several extra factors play a part in determining your Innisfil auto insurance premiums:

Vehicle Model Accident Rates

Some cars are just more accident-prone than others. Even if you have a spotless driving record, owning a car model infamous for having high accident rates will increase your insurance premiums.

Vehicle Age

Naturally, older cars are more expensive to insure because they may not have all the safety features of newer vehicles. If you insist on driving a vintage car everywhere, make sure you can pay the insurance premiums.

Vehicle Repair Costs

The harder it is to repair a car, the more expensive it is to insure. You can expect high insurance premiums on luxury cars and foreign cars that don’t have a large dealership or service centre presence in Canada.

Vehicle Primary Usage and Annual Mileage

You may spend more or less time on the road depending on what you use the car for. Car usage influences insurance rates – generally, the more you use it, the higher your premiums. For instance, insurance premiums on a car you use as an Uber will be higher than on a car you almost exclusively take on weekend cruises.

A good way to measure how much somebody uses a car is by its annual mileage. If your car has low annual mileage, insurers may determine that this car is low-risk and thus grant you more affordable insurance rates.

Local Crime Rates

Living in high-crime areas means your car is at higher risk of being stolen or vandalized. If you live in an area where theft or vandalism often occurs, you may get higher car insurance rates.

Past Insurance Claims

Any auto insurance claims will drive your premiums up, regardless of who’s at fault. If you make many insurance claims, the insurer will see you as a high-risk policyholder and give you higher rates.

Loyalty Bonuses

Many insurance companies reward long-term customers with discounted rates. If you’ve been a policyholder at the same insurance company for several years, ask for a rate reduction or discount when you renew your policy.

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:

BrokerageAddressPhone Number
Innisfil Insurance2109 Wilson St, Innisfil,
ON L9S 0N8, Canada
Odette Novielli Desjardins Insurance Agent7869 Yonge St #1, Innisfil
ON L9S 1K8, Canada
Hambly Insurance Brokers1 King St S, Cookstown
ON L0L 1L0, Canada

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 commutingCountsRates
Total – 25% Sample Size16,050100.0
Car, truck or van15,22094.8%
Car, truck or van – as a driver14,29089.0%
Car, truck or van – as a passenger9255.8%
Public transit1250.8%
Other method3252.0%

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 durationCountsRates
Total – 25% Sample Size16,050100.0
Less than 15 minutes2,75517.2%
15 to 29 minutes4,06025.3%
30 to 44 minutes2,78517.4%
45 to 59 minutes2,35514.7%
60 minutes and over4,09525.5%

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

Is ridesharing insurance available in Innisfil?

Yes, ridesharing insurance is available in Innisfil, ON. If you’re interested in getting this policy, contact your insurer to ask them if they offer ridesharing insurance and what rates they offer.

How much does Innisfil car insurance cost?

Innisfil car insurance costs an average of $1,561/year.

Is car insurance cheaper in Innisfil than in Toronto?

Yes, car insurance is cheaper in Innisfil than in Toronto. Innisfil car insurance costs $1,561/year while Toronto car insurance costs $2,139/year.

Which auto insurance is the best for young drivers in Innisfil?

The best auto insurance for young drivers in Innisfil is an affordable policy that covers your needs and anticipated risks. Younger drivers tend to be charged higher premiums because their inexperience on the road is correlated with a higher risk of getting into accidents or committing violations. This makes them more expensive for auto insurance companies to cover, so they’re charged more for car insurance.

If you’re a young driver in Innisfil looking for car insurance, you can save money by comparing offers between multiple insurers. Get an immediate preliminary quote from MyChoice to see how much car insurance costs in your area.


1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, Innisfil, Car Insurance Quotes Collected, 2023.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, Innisfil, Car Insurance Quotes Collected, 2023.

3. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, Innisfil, Car Insurance Quotes Collected, 2023.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, Innisfil, Car Insurance Quotes Collected, 2023.

5. City of Innisfil Website, Driving & Transit Information. Data Collected, 2023.

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

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

8. Weather Network Canada, Historical Averages, Ontario, Innisfil.

9. 511 Ontario Traveller Information, Ontario, Innisfil.

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