Car Insurance in Midland at a Glance
| Average annual premium: | $1,669 |
| YoY city rate change: | +2.5% |
| Average monthly premium: | $139 |
| Midland premium vs. Ontario average: | -21.7% less expensive |
| Maximum savings with MyChoice: | $952 |
How Does Car Insurance Work in Midland?
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 Midland 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 Midland referenced above.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability – Accident Benefits – Uninsured Automobile | $745 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $924 |
| Coverage Total: | $1,669 |
Quote data from MyChoice.ca, May 2026
*Starting July 1st, 2026, Ontario is splitting Accident Benefits into mandatory and optional components. Income replacement, caregiver benefits, and death benefits are no longer automatically included. Your policy will auto-renew with your current coverage, but if you’re buying a new policy after July 1, you’ll need to actively choose these add-ons.
Mandatory Coverages:
The coverages below are mandatory in Midland and will always be included in a standard car insurance quote.
| 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 | $233 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault | $499 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage | $13 |
| Coverage Total: | $745 |
Quote data from MyChoice.ca, May 2026
Highly Recommended Coverages:
Any of the highly recommended coverages listed below for Midland may be removed from your quote. However, we strongly recommend keeping them to ensure adequate protection.
| 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. | $410 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $249 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $181 |
| 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. | $21 |
| OPCF 27: Rental Vehicle | Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them. | $22 |
| 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 Depreciation | Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off. | $1 |
| Coverage Total: | $924 |
Quote data from MyChoice.ca, May 2026
How Midland Car Insurance Rates Compare to Nearby Cities
Midland’s car insurance rates sit below the Ontario average. See how they stack up against some nearby cities:
| City | Average Annual Car Insurance Premium | Difference from Midland Premium |
|---|---|---|
| Midland, ON | $1,669 | – |
| Orillia, ON | $1,727 | +3.5% |
| Barrie, ON | $2,118 | +26.9% |
| Collingwood, ON | $1,842 | +10.4% |
| Innisfil, ON | $2,295 | +37.5% |
| Huntsville, ON | $1,700 | +1.9% |
Quote data from MyChoice.ca, May 2026
Car Insurance Cost in Midland by Age
Age is a major driving factor in whether you can expect higher insurance premiums. Generally, the idea is that older drivers have more experience and are thus more likely to be responsible and capable of avoiding accidents.
Drivers under the age of 25 can expect higher insurance premiums, while those in their 50s and 60s can expect the lowest insurance rates. However, once you reach a certain age, your premium rates start to rise again – usually when you reach the age of 65 or become a senior citizen.
Based on studies, 75-year-old male drivers pay 21% more for auto insurance than 55-year-old male drivers. This is because as people get older, they go through physical changes that can affect their driving ability, such as changes in vision, attention, fitness, and reaction time.
Take a look at how much car insurance costs can vary by age in Midland:
| Age | Average Annual Car Insurance Premium | Annual Savings with MyChoice |
|---|---|---|
| 18–20 | $4,790 | $952 |
| 21-24 | $2,470 | $491 |
| 25–34 | $1,903 | $378 |
| 35-44 | $1,669 | $332 |
| 45-54 | $1,419 | $282 |
| 55-64 | $1,319 | $262 |
| 65+ | $1,352 | $269 |
Quote data from MyChoice.ca, May 2026
Car Insurance Cost in Midland by Driving History
Take a look below at how car insurance quotes vary by violation in Midland:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,669 |
| Insurance cancellation due to non-payment | $2,320 |
| Licence suspension for alcohol-related offences | $1,752 |
| One at-fault accident | $3,271 |
| Minor speeding ticket | $2,019 |
Quote data from MyChoice.ca, May 2026
All estimated rates are based on a 35-year-old female driving a 2024 Honda Civic four-door.
Your driving record plays a major role in determining the cost of your insurance premiums. Insurance companies will usually request the following:
- Demerit point total
- Any convictions, suspensions, and reinstatements under the Highway Traffic Act and Criminal Code of Canada
- Records of collisions
- Any driver’s license replacements/renewals
A clean driving record will help you get lower premiums, while a record laden with violations will get you tagged as a high-risk driver and cause insurance companies to charge you more.
In Ontario, driving violations remain on your record for two years, but they can affect your premium rates for far longer.
Car Insurance Cost in Midland by Vehicle Model
Below is a breakdown of the estimated insurance costs for various car models in Midland. 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 Civic | $1,775 |
| Toyota Corolla | $1,638 |
| Toyota RAV4 | $1,825 |
| Honda CR-V | $1,935 |
| Hyundai Elantra | $1,855 |
| Tesla Model 3/Y | $1,964 |
| Mazda CX-5 | $1,761 |
| Nissan Rogue | $1,594 |
| Ford F-150 | $1,676 |
| Subaru Forester | $1,456 |
| Toyota Camry | $1,580 |
| Chevrolet Equinox | $1,444 |
| Hyundai Tucson | $1,755 |
| Honda Accord | $1,855 |
| RAM 1500 | $1,983 |
Quote data from MyChoice.ca, May 2026
The Best Car Insurance Brokerages in Midland
Car insurance brokers help you choose the right auto insurance policy by answering your questions and comparing policy offers.
Here are several brokers in Midland that you can contact for extra assistance when seeking car insurance:
| Brokerage | Address | Phone number |
|---|---|---|
| McDougall Insurance & Financial – Midland | 472 Hugel Ave, Midland, ON L4R 1V6, Canada | +17055276465 |
| BrokerLink | 354 King St, Midland, ON L4R 3M8, Canada | +17055265414 |
| Todd Lalonde Desjardins Insurance Agent | 547 Bay St, Midland, ON L4R 1L4, Canada | +17055268333 |
| Swick Bauman & Associates Insurance Brokers Ltd | 341 King St, Midland, ON L4R 3M7, Canada | +17055265414 |
Driving in Midland
Midland is a little town, which means traffic might not be as bad as other places in Ontario. Nevertheless, it’s a good idea to learn more about the town if you’re planning to drive there. Here are some key facts about driving in Midland you should know:
- Major highways in Midland: Highway 12, Highway 93
- Public transit options: Simcoe County LINX (bus)
- Ridesharing services: Uber, SuperShuttle
- Parking space providers: The Town of Midland, private lots
- Top tourist attractions: Sainte-Marie Among the Hurons, Wye Marsh Wildlife Centre, Martyrs’ Shrine
- Busy intersections: County Road 93 and Yonge Street, County Road 93 and Vindin Street, First Street and Bay Street
- Airports: Midland/Huronia Airport
Driving Conditions in Midland
Various weather and driving conditions like snow and rain can affect your auto insurance premiums. Here’s an overview of driving conditions in Midland:
- Average annual rainfall: 795 mm
- Average annual snowfall: 222 cm
- Rainy days per year: 110 days
- Rainiest month in Midland: June and October
- Driest months in Midland: February
- Snow days per year: 65 days
- Snowfall months in Midland: October-April
Traffic in Midland
Midland is well-known as the economic centre of the Huronia/Wendat region, and boasts a large hospital as well as an airport. It’s also a popular tourist destination, with over 8,000 cottages and resorts.
Here’s a quick look at the key traffic statistics in Midland:
- Population: 16,864 people live within Midland’s city limits.
- City area: Midland’s city area spans 35.34 km2.
- Busiest highways: Highway 12, Highway 93
Commonly Asked Questions About Car Insurance in Midland
Why should you compare car insurance rates in Midland?
You should compare car insurance rates in Midland because different insurers provide different coverage at different prices. Comparing rates help you choose which policy has the best value.
What information do you need for an auto insurance quote in Midland?
You need to provide basic personal details and vehicle information like production year, make, and model to get a basic auto insurance quote. You can get more accurate quotes by disclosing extra information, like your driving record and past traffic violations.