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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$106.58May 21, 2024, 07:11 AMAuto69FemaleL2R6P9
$46.95May 21, 2024, 10:07 AMHome44FemaleL6Y0E8
$24.71May 21, 2024, 12:42 AMTenant25FemaleK8N3P9

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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 Midland

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

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:

BrokerageAddressPhone number
McDougall Insurance &
Financial – Midland
472 Hugel Ave,
Midland, ON L4R 1V6, Canada
+17055276465
BrokerLink354 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

Auto Insurance by Postal Code in Midland

On average, car insurance in Midland costs $1,561, making it lower than Ontario’s provincial average and there is only one postal code in the town, L4R.

Postal CodeAverage Annual Car Insurance Premium
L4R$1,561

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:

AgeAverage Annual RatesAverage Savings with MyChoice
18-20$5,573$1,108
21-24$3,184$633
25-34$2,123$422
35-44$1,561$310
45-54$1,280$255
55-64$1,088$216
65+$1,240$247

Car Insurance Cost in Midland by Driving History

Take a look below at how car insurance quotes vary by violation in Midland:

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

All estimated rates are based on a 35-year-old female driving a 2018 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. 

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: 12
  • 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

Main Mode of Commuting in Midland

Midland is a small town, which means commute times are usually short. Here’s a detailed look at the commuter data in Midland:

  • Average commute distance: The average Midland resident travels x km to their workplace or school. 
  • Commute duration: Most (58.7%) Midland residents take under 15 minutes to get to work. The second-largest portion (16.5%) of Midland residents take between 15 to 29 minutes to get to work.
  • Main mode of commuting: With an 87.7% share, personal vehicles like cars and trucks are the most popular commuting method in Midland. Walking is the second-most popular commuting method with a 7.9% share, perhaps due to the town’s small size.

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: 88 mm
  • Average annual snowfall: 105 mm
  • Rainy days per year: 122
  • Rainiest month in Midland: June and October
  • Driest months in Midland: February
  • Snow days per year: 122
  • 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 runs between the eastern end of the Greater Toronto Area and Highway 93 passes through Midland.

Commonly Asked Questions About Car Insurance in Midland

How much does Midland car insurance cost?

Midland car insurance costs $1,561/year.

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.

How can you get cheaper car insurance in Midland?

Compare car insurance rates in Midland with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.

Sources

1. Mychoice.ca Internal Data, Auto Insurance by Postal Code, Ontario, Midland, Car Insurance Quotes Collected, 2024.

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

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

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

5. Statistics Canada, 2021, Census of Population, Ontario, Midland, Main Mode of Commuting. Data Published March 29, 2024.

6. Weather Network Canada, Historical Averages, Ontario, Midland.

7. 511 Ontario Traveller Information, Ontario, Midland.

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