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Orangeville Car Insurance

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Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$84.22Jul 24, 2024, 04:44 PMAuto63FemaleM1J2C8
$43.53Jul 24, 2024, 06:04 PMHome47MaleL7P1Y9
$29.37Jul 24, 2024, 09:54 AMTenant41MaleN8W5N7

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

Updated on May 15, 2024

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

Updated May 15, 2024

Visit author page

3 minute read

Article Contents

Quick Facts About Auto Insurance in Orangeville

  • Orangeville car insurance is MORE expensive than the Ontario average.
  • The average annual car insurance cost in Orangeville for a driver with comprehensive/collision coverage and a clean record is around $1,754.
  • Comparing Orangeville auto insurance quotes with MyChoice can save you up to $1,245 annually

The Best Car Insurance Brokerages in Orangeville

With the vast array of insurance companies and products available, securing coverage that best suits your needs can be time-consuming. A savvy insurance broker with expertise in navigating these complexities can make all the difference.

Here are some of the best insurance brokerages in Orangeville. Feel free to reach out to one for any questions you have and assistance you need: 

BrokerageAddressPhone number
Absolute Insurance Brokers71 5th Ave, Orangeville
ON L9W 1G3, Canada
+15199412266
Orangeville Insurance Services Limited11 Mill St, Orangeville
ON L9W 2M2, Canada
+15199411500
Pirie & Burgess Insurance Brokers Inc81 Broadway, Orangeville
ON L9W 1K1, Canada
+15199416769

Auto Insurance by Postal Code in Orangeville

The average rate for auto insurance in Orangeville, ON is $1,754, quite a bit more expensive than the provincial rate in Ontario, which is $1,673. 

L9W is the most expensive postal code in Orangeville.

Postal CodeAverage Annual Car Insurance Premium
L9W$1,754

Car Insurance Cost in Orangeville by Age

Under 25 and looking to hit the road? You might want to buckle up for higher auto insurance premiums. Less experienced drivers can often make more mistakes on the roads. As such, insurance providers tend to put a steeper price tag on coverage for young drivers. 

Insurance rates drop once you hit 25 but rise again around the age of 65. This is likely because seniors face greater risks when it comes to serious traffic accidents.

Take a look at how car insurance rates vary by age in Orangeville: 

AgeAverage Annual RatesAverage Savings with MyChoice
18-20$6,262$1,245
21-24$3,578$712
25-34$2,385$474
35-44$1,754$349
45-54$1,438$286
55-64$1,223$243
65+$1,394$277

Car Insurance Cost in Orangeville by Driving History

A clean driving record is often the key to favourable car insurance premiums, but if you have a few notches on your record, an auto insurer may consider you a high-risk driver. 

Unfortunately, while traffic citations and demerit points only stay on your record for two years in Ontario, auto insurers can take these into account for up to 10 years. 

Here’s a brief overview of how driving history affects auto insurance rates in Orangeville, ON:

Driving ViolationAverage Annual Car Insurance Premium
Clean driving record$1,754
Insurance cancellation due to non-payment$2,877
Licence suspension for alcohol-related offences$2,105
One accident$3,859
Speeding ticket$2,280

Driving in Orangeville

The small town of Orangeville is home to roughly 30,000 people, many of whom commute to the Greater Toronto Area daily. Orangeville is about an hour’s drive from Toronto. But while many residents head out to the big city for work, hundreds of people from surrounding areas come into town to enjoy the range of arts, culture, and outdoor activities that Orangeville has to offer. 

Learn more about driving and commuting in Orangeville below:

  • Major highways: Highway 10, Highway 9
  • Public transit options: Orangeville Transit (bus)
  • Ridesharing services: Uber
  • Parking space providers: The Town of Orangeville, private lots
  • Top tourist attractions: Downtown Broadway, Opera House, Art Walk of Tree Sculptures, Island Lake Conservation Area, Museum of Dufferin, Mono Cliffs Provincial Park, the Orangeville Farmers Market, Kay Cee Gardens, Dragonfly Park
  • Busy intersections: Trafalgar Road and Derry Road, Broadway and First Street
  • Airports: Toronto Pearson International Airport

Main Mode of Commuting in Orangeville

Orangeville is a commuter town thanks to its proximity to the Greater Toronto Area, so most of its residents rely on cars to get to work. Cars top the chart as Orangeville’s most popular commuting method with 91.2%, while public transit comes in at a distant second at 3.7%. Here’s a detailed look at the main modes of commuting in Orangeville:

Main mode of commutingCountsRates
Total – 25% Sample Size39,235100.0
Car, truck or van35,79091.2%
Car, truck or van – as a driver33,03584.2%
Car, truck or van – as a passenger2,7607.0%
Public transit1,4653.7%
Walked9102.3%
Bicycle1200.3%
Other method9552.4%

Commuting Duration in Orangeville

Many people in Orangeville travel to the GTA for work, so commute times can be a little bit higher than towns outside the area. Over a quarter of Orangeville’s commuters spend 30 to 44 minutes getting to work, while another quarter take 15 to 29 minutes. Check the table below for more details on Orangeville’s commute times:

Commuting durationCountsRates
Total – 25% Sample Size39,235100.0
Less than 15 minutes9,33523.8%
15 to 29 minutes10,26026.2%
30 to 44 minutes10,84027.6%
45 to 59 minutes4,35011.1%
60 minutes and over4,45511.4%

Driving Conditions in Orangeville

Orangeville gets an average of 18 days of snowfall during its snowiest month, January. During winter, many roads in Orangeville are closed off due to poor visibility, slick roadways, felled trees, and other hazards. Winter tires are essential. 

Here are some fast facts about driving conditions in Orangeville: 

  • Average daily commute time: 62 minutes round trip
  • Average annual rainfall: 667 mm
  • Average annual snowfall: 845 mm
  • Rainy days per year: 152.4 days
  • Rainiest month in Orangeville: October
  • Driest months in Orangeville: February
  • Snow days per year: 82.2 days
  • Snowfall months in Orangeville: January – May, October – December

Traffic in Orangeville

Orangeville’s proximity to the GTA makes it a commuter town. Most residents are reliant on their cars to commute to and from work. Traffic can build up on weekdays, particularly during rush hour. 

During the winter season, winter sports enthusiasts head up to the area for some skiing and snowboarding too. Expect light tourist traffic on weekends. 

Here are some facts about traffic in Orangeville:

  • Population: 30,167 people live within Orangeville’s city limits.
  • Town area: Orangeville’s city limits span 15.61 km2.
  • Busiest highways: Orangeville’s busiest highways are X.
  • Time spent in traffic annually: The average Orangeville resident spends roughly X minutes in traffic each year.

The Most Common Questions About Car Insurance in Orangeville

How much does Orangeville car insurance cost?

Orangeville car insurance, on average, costs $1,754/year.

Is car insurance cheaper in Orangeville than in Toronto?

Car insurance is cheaper in Orangeville than in Toronto. The average rate for auto insurance in Orangeville is $1,754, while in Toronto it is $2,139.

How can you get cheaper car insurance in Orangeville?

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

Methodology

Sample Size

We analyzed over 50,000 auto insurance quotes across Canada.

Profiles

Average rates were calculated using a standard profile and incident profiles. All personal details pertaining to the quotes and policies have been kept confidential.

Standard Profile

Single driver, one car, currently insured, and a pristine driving record. Our base profile is a 35-year-old individual (both male and female) with a spotless driving record.

Incident Profiles

We examined how rates change by evaluating profiles with a clean record (standard), one at-fault accident, a single speeding ticket, license suspension for alcohol related offenses and insurance cancellation due to non-payment.

Vehicle Details

These individuals own a 2018 Honda Civic, commute five days a week, and cover a distance of 15,000 kilometres annually.

Vehicle Models

Costs were also analyzed for different vehicles: Mazda CX-5, Ford Escape, Toyota Corolla, Honda Accord, Chevrolet Equinox, and the base 2018 Honda Civic.

Age and Homeownership

Profiles from age 18-65 (standard: 35 years) were considered. Depending on age, individuals might rent or own their homes. Age-related regulations may vary across provinces.

Team

MyChoice data science, MyChoice research.

Sources

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

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

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

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

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

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

7. Weather Network Canada, Historical Averages, Ontario, Orangeville.

8. 511 Ontario Traveller Information, Ontario, Orangeville.

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