How Does Car Insurance Work in Orillia?
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 Orillia 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 Orillia referenced above.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability – Accident Benefits – Uninsured Automobile | $746 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $926 |
| Coverage Total: | $1,672 |
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. | $233 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault. | $500 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage. | $13 |
| Coverage Total: | $746 |
*The above coverages are mandatory in Orillia 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. | $410 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $250 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $180 |
| 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. | $17 |
| 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 Depreciacion | Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off. | $2 |
| Coverage Total: | $926 |
*Any of the above highly recommended coverages in Orillia may be removed from your quote, but we strongly recommend keeping them to have adequate protection.
How Orillia Car Insurance Rates Compare to Nearby Cities
Orillia’s car insurance rates are moderate compared to surrounding areas. Here’s how they compare:
| City | Average Annual Car Insurance Premium |
|---|---|
| Orillia, ON | $1,672 |
| Barrie, ON | $1,915 |
| Midland, ON | $1,628 |
| Collingwood, ON | $1,778 |
| Huntsville, ON | $1,624 |
| Newmarket, ON | $2,066 |
Car Insurance Cost in Orillia 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 Orillia:
| Age | Average Annual Car Insurance Premium | Average Savings with MyChoice |
|---|---|---|
| 18–20 | $4,799 | $954 |
| 21–24 | $2,475 | $492 |
| 25–34 | $1,906 | $379 |
| 35–44 | $1,672 | $333 |
| 45–54 | $1,421 | $283 |
| 55–64 | $1,321 | $263 |
| 65+ | $1,354 | $269 |
Car Insurance Cost in Orillia by Driving History
Take a look below at how car insurance quotes vary by violation in Orillia:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,672 |
| Insurance cancellation due to non-payment | $2,324 |
| Licence suspension for alcohol-related offences | $1,756 |
| One at-fault accident | $3,277 |
| Minor speeding ticket | $2,023 |
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.
Car Insurance Cost in Orillia by Vehicle Model
Below is a breakdown of the estimated insurance costs for various car models in Orillia. 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 |
|---|---|
| Nissan | $1,694 |
| Honda | $1,534 |
| Tesla | $1,642 |
| Toyota | $1,760 |
| Hyundai | $1,686 |
| BMW | $1,946 |
| Audi | $2,079 |
| Infiniti | $1,633 |
| Volkswagen | $1,538 |
| Mercedes | $1,656 |
The Best Car Insurance Brokerages in Orillia
Car insurance brokers help you choose the right auto insurance policy by answering your questions and comparing policy offers.
Here are several brokers in Orillia that you can contact for extra assistance when seeking car insurance:
| Brokerage | Address | Phone number |
|---|---|---|
| Allstate Insurance: Orillia Agency | 10 Peter St N Suite 202, Orillia, ON L3V 4Y7, Canada | +17054181096 |
| McLean & Dickey Insurance | 4 King St, Orillia, ON L3V 1R1, Canada | +17053254461 |
| Ron Johnston Insurance | 448 West Street N, Orillia, ON L3V 5E8, Canada | +17053256200 |
| Murray Hofstetter Desjardins Insurance Agent | 145 West Street N, Orillia, ON L3V 5C4, Canada | +17053263294 |
Driving in Orillia
When you move or travel to a town, it’s important to know more about driving in the area to reduce your risk of getting into an accident. Here are some key facts about driving in Orillia you should know:
- Major highways in Orillia: 11
- Public transit options: Orillia Transit & Simcoe County LINX (bus)
- Ridesharing services: Uber, SuperShuttle
- Parking space providers: The Town of Orillia, private lots
- Top tourist attractions: The OPP Museum, Couchiching Beach Park, Stephen Leacock Museum
- Busy intersections: Westmount Drive South and Rose Avenue, West Street North and Fittons Road
- Airports: Orillia-Ramara Airport
Main Mode of Commuting in Orillia
Knowing more about the commuting statistics in a city or town helps you get to work on time. Here’s a detailed look at the commuter data in Orillia:
- Average commute distance: The average Orillia resident travels x km to their workplace or school.
- Commute duration: Slightly over half (51.6%) of Orillia’s households spend under 15 minutes on their commutes. The second-largest portion (20.3%) of households spend between 15 to 29 minutes on theirs. Therefore, commutes in Orillia are generally quite short.
- Main mode of commuting: Cars, trucks, and vans are the most popular modes of commuting in the town, with 86.9% of households using them. The second-largest portion of households, at 6.7%, simply walked to their workplaces.
Driving Conditions in Orillia
Various weather and driving conditions like snow and rain can affect your auto insurance premiums. Here’s an overview of driving conditions in Orillia:
- Average annual rainfall: 88 mm
- Average annual snowfall: 105 mm
- Rainy days per year: 122
- Rainiest month in Orillia: June
- Driest months in Orillia: February
- Snow days per year: 122
- Snowfall months in Orillia: October-April
Traffic in Orillia
Orillia is a waterfront town that often gets a lot of tourist activity. Therefore, traffic may fluctuate at certain times of the year.
Here’s a quick look at the key traffic statistics in Orillia:
- Population: 33,411 people live within Orillia’s city limits.
- City area: Orillia’s city area spans 28.53 km2.
- Busiest highways: Highway 11, which connects Highway 400 to the Ontario-Minnesota border, goes through Orillia.
Most Common Questions About Car Insurance in Orillia
Is ridesharing insurance available in Orillia?
Ridesharing insurance for Uber and Lyft drivers is available in Orillia. Ask your insurer for more details.
Why should you compare car insurance rates in Orillia?
You should compare car insurance rates in Orillia 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 Orillia?
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 auto insurance in Orillia?
Compare car insurance rates in Orillia with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.