How Does Car Insurance Work in Orangeville?
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 Orangeville 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 Orangeville referenced above.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability – Accident Benefits – Uninsured Automobile | $824 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $1,025 |
| Coverage Total: | $1,849 |
Mandatory Coverages
| 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 | $258 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault | $552 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage | $14 |
| Coverage Total: | $824 |
*The above coverages are mandatory in Orangeville and will always be included in a standard car insurance quote.
Highly Recommended Coverages
| 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. | $454 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $277 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $199 |
| 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. | $23 |
| OPCF 27: Rental Vehicle | Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them. | $24 |
| 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. | $19 |
| 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. | $27 |
| OPCF 43: Waiver of Depreciacion | Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off. | $2 |
| Coverage Total: | $1,025 |
*Any of the above highly recommended coverages in Orangeville may be removed from your quote, but we strongly recommend keeping them to have adequate protection.
How Orangeville Car Insurance Rates Compare to Nearby Cities
Orangeville’s car insurance rates are some of the highest in the region. You can see how they compare to some of the neighbouring cities in the table below.
| City | Average Annual Car Insurance Premium |
|---|---|
| Orangeville, ON | $1,849 |
| Brampton, ON | $3,341 |
| Milton, ON | $1,824 |
| Guelph, ON | $1,729 |
| Barrie, ON | $1,915 |
| Markham, ON | $1,686 |
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:
| Age | Average Annual Car Insurance Premium | Average Savings with MyChoice |
|---|---|---|
| 18-20 | $5,307 | $1,055 |
| 21-24 | $2,737 | $544 |
| 25-34 | $2,108 | $419 |
| 35-44 | $1,849 | $368 |
| 45-54 | $1,572 | $313 |
| 55-64 | $1,461 | $291 |
| 65+ | $1,498 | $298 |
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 Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,849 |
| Insurance cancellation due to non-payment | $2,570 |
| Licence suspension for alcohol-related offences | $1,941 |
| One at-fault accident | $3,624 |
| Minor speeding ticket | $2,237 |
Car Insurance Cost in Orangeville by Vehicle Model
Below is a breakdown of the estimated insurance costs for various car models in Orangeville. 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 |
|---|---|
| Ford | $1,692 |
| Toyota | $1,947 |
| Tesla | $1,816 |
| Hyundai | $1,865 |
| Audi | $2,299 |
| BMW | $2,152 |
| Mazda | $1,724 |
| Mercedes | $1,832 |
| Subaru | $1,605 |
| Honda | $1,697 |
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:
| Brokerage | Address | Phone number |
|---|---|---|
| Absolute Insurance Brokers | 71 5th Ave, Orangeville ON L9W 1G3, Canada | +15199412266 |
| Orangeville Insurance Services Limited | 11 Mill St, Orangeville ON L9W 2M2, Canada | +15199411500 |
| Pirie & Burgess Insurance Brokers Inc | 81 Broadway, Orangeville ON L9W 1K1, Canada | +15199416769 |
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 commuting | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 39,235 | 100.0 |
| Car, truck or van | 35,790 | 91.2% |
| Car, truck or van – as a driver | 33,035 | 84.2% |
| Car, truck or van – as a passenger | 2,760 | 7.0% |
| Public transit | 1,465 | 3.7% |
| Walked | 910 | 2.3% |
| Bicycle | 120 | 0.3% |
| Other method | 955 | 2.4% |
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 duration | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 39,235 | 100.0 |
| Less than 15 minutes | 9,335 | 23.8% |
| 15 to 29 minutes | 10,260 | 26.2% |
| 30 to 44 minutes | 10,840 | 27.6% |
| 45 to 59 minutes | 4,350 | 11.1% |
| 60 minutes and over | 4,455 | 11.4% |
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 $1,849/year.
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.