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 |
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 Code | Average 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:
| Age | Average Annual Rates | Average 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 Violation | Average 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.