Cheap Muskoka Car Insurance Quotes

Ontario drivers save $877* on average when they compare car insurance quotes on RATESDOTCA

Compare Muskoka car insurance quotes from top providers

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Written By Joel Kranc

Contributing writer


Car insurance in Muskoka

According to provincial law, you must have insurance if you own and drive a car. Driving without insurance is a serious offence, resulting in a fine between $5,000 and $50,000 and possibly a license suspension.

The no-fault system applies to all drivers in Muskoka, meaning they would deal with their own insurance companies for claims, no matter who is at fault in an accident.

Drivers in Muskoka must purchase basic insurance, which includes:

  • Third-party liability: Protects you if someone is injured or killed in an accident or their property is damaged. You must be insured for at least $200,000, but buying $1 million in coverage is recommended.
  • Statutory accident benefits: Provides medical benefits if you are injured in an accident, no matter who is at fault.
  • Uninsured driver: Provides coverage if you're in a collision with a driver who doesn't have insurance. It substitutes the third-party liability insurance they lack.

Direct compensation property damage (DCPD) coverage pays for repairs to your car if in a collision, but you're not at fault. In January 2024, the Ontario government made DCPD coverage optional, allowing drivers to remove it from their policies, using an endorsement named OPCF 49, to reduce their premiums. However, most insurance professionals don't recommend cutting DCPD coverage. The cost of DCPD is less than what it would cost you to repair or replace your car out of pocket.

Changes are also coming to the accident benefits portion of standard auto insurance policies. The Ontario government's 2024 budget stated that while medical, rehabilitation and attendant care benefits will still be mandatory, all other benefits will become optional. The government expects it will take until 2026 to implement these changes.

There are several ways drivers in Muskoka can buy insurance:

Insurance brokers: Insurance brokers sell insurance, but they aren’t tied to a specific company. These self-employed professionals can provide you with quotes from various companies—the traditional way of shopping the market. One advantage of using a broker is that they still work in person.They earn commissions from insurance companies, but the law prevents them from favoring one company over another if it’s not in your best interest.

Insurance agents: An insurance agent is an employee of an insurance company. They can only present you with products from the company they work for. The advantage is that agents stay informed about the company’s latest products and discounts. Agents earn commissions, but unlike brokers who need to collaborate with insurance companies to finalize a policy purchase, insurance agents have the authority to complete the sale independently.

Direct writers: A direct writer is a specific type of insurance company. They exclusively sell their own insurance products but operate primarily online, with call centers providing support, so the process of buying a policy from them tends to be more hands-off. Because they have less overhead costs, insurance from a direct writer is often competitively-priced. Similar to an insurance agent, a direct writer is limited to selling products from a single provider. This means they can’t assist you in exploring the entire insurance market.

Rate comparison sites: Comparison websites, like RATESDOTCA, make it easy to compare insurance options. They gather quotes from different brokers and insurance companies, so you can see the range of prices and policies available. If you find a price you like, they’ll connect you with the company offering it. It’s similar to using a hotel or flight comparison website, and there’s no obligation to follow up on a quote

Muskoka car insurance rates and regulations

Ontario’s auto insurance system is private, which means you buy a policy from for-profit companies instead of a government entity. The Financial Services Regulatory Authority of Ontario regulates private companies that sell auto insurance in the province. Part of their mandate is to ensure rates proposed by insurance providers are fair and that any entity selling Muskoka auto insurance is licensed and follows FSRA's regulations. Auto insurance providers must apply to increase or decrease their rates and usually request adjustments due to changes in a particular coverage.

FSRA also licenses agents and businesses selling auto insurance, protect consumers’ rights during insurance purchases, and review complaints against insurers.

FSRA regularly approves rate changes, it's essential to compare quotes and find the lowest rate. In 2023, Ontario drivers who used RATESDOTCA saved an average of $877* on their car insurance.

Recent auto insurance quotes in Muskoka

Recent Auto Insurance Quote from HUNTSVILLE, ONTARIO
Male, Age 56
May 22, 2024
Cheapest Quote
$ 90 / month
$1,085 / year
Average Quote
$ 152 / month
$1,826 / year
$ 62 / month
$741 / year
40.58 %
Recent Auto Insurance Quote from HUNTSVILLE, ONTARIO
Male, Age 56
May 21, 2024
Cheapest Quote
$ 196 / month
$2,353 / year
Average Quote
$ 261 / month
$3,127 / year
$ 65 / month
$774 / year
24.75 %
Recent Auto Insurance Quote from HUNTSVILLE, ONTARIO
Male, Age 33
May 21, 2024
Cheapest Quote
$ 198 / month
$2,375 / year
Average Quote
$ 334 / month
$4,003 / year
$ 136 / month
$1,628 / year
40.67 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

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Mandatory and optional car insurance in Muskoka

Insurance type  Mandatory coverage Optional/Additional coverage
Third-Party Liability $200,000 minimum. Provides coverage in the event of a lawsuit resulting from an accident where you are at fault. Coverage can be increased to $500,000, $1 million, or $2 million, with up to $2 million limit.
Uninsured Automobile Insurance Provides up to $200,000 in coverage if you are injured or killed by an uninsured driver, or if your vehicle is damaged as a result of a hit-and-run by an unidentified, uninsured motorist. Family Protection Coverage is an optional coverage that includes additional coverage of up to $1 million in the case of a hit-and-run by an uninsured motorist.
Statutory Accident Benefits Provides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren’t covered by OHIP. Coverage limits can be increased.
Collision Coverage (Also Upset Coverage) Optional Covers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property.
Comprehensive Coverage Optional Covers damages caused by named perils identified under the Specified Perils coverage, as well as losses from other perils like falling or flying objects, theft, fire, hail, windstorms, missiles, and vandalism.
Specified Perils Coverage Optional Covers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and also other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc.
Direct Compensation-Property Damage (DC-PD) Optional DCPD is a standard coverage, but drivers in Ontario can opt to remove it. It covers damage to your car, or loss of use of your vehicle, if someone else is at fault. It must  have involved another insured vehicle. Removing DCPD coverage disqualifies you from these benefits and you cannot sue for vehicle damage, either. 
All-Perils Coverage Optional Combines collision/upset and comprehensive coverage. Also provides additional protection if a household member or an employee steals your vehicle.
OPCF 20: Coverage for Transportation Replacement Optional Covers the cost of your transportation replacement and rental car insurance if you were to get into a car accident or if your vehicle is stolen.
OPCF 27: Liability for Damage to Non-Owned Automobile(s) Optional Covers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000.
OPCF 39: Accident Waiver/Forgiveness Optional Protect your premium from rising when you have your first at-fault accident.
OPCF 43: Waiver of Depreciation Optional Protects you by removing your insurer's right to deduct depreciation from the value of your vehicle when settling a claim. This coverage is for new vehicles with fewer than 5,000 kilometres.
OPCF 44R: Family Protection Coverage Optional Protects you if you or a family member is injured, regardless of whether you or your family members are in the car when the accident occurs
OPCF 49: Agreement Not to Recover for Loss or Damage from an Automobile Collision Optional Removes DCPD coverage from your insurance policy. 

How much does car insurance cost in Muskoka on average?

In 2023, the average price for car insurance in Muskoka drivers was $1,379, according to the RATESDOTCA Insuramap. That is on the lower end of the scale for Ontario drivers. The average premium in the province is $1,744, which is 26.4% higher than Muskoka’s average.

The overall Muskoka premium represents the average premiums of three central municipalities that comprise the Muskoka region: Bracebridge, Huntsville and Gravenhurst.

Muskoka is considered prime cottage country, a vacation destination for big city people looking to get away to the lakes and cooler air of the country. Its small population, relative to GTA cities, translates to less congestion and fewer thefts and accidents, factors that significantly contribute to its lower insurance rates.

Which companies offer car insurance quotes in Muskoka?

Company name Company type Phone number Address
CCV Insurance & Financial Insurance broker 705-789-4165 75 Main St. W #1. Huntsville. ON, P1H 1W9
InsuranceHotline.com Quotes comparison 1-855-821-7312 225 King St W, Suite 1000, Toronto, ON, M5V 3M2
LowestRates.ca Quotes comparison 1-855-487-6911 401-1910 Yonge St, Toronto, ON M4S 3B2
McLean & Dickey Insurance Insurance broker 705-325-4461 4 King St., Orillia, ON L3V 1R1
Muskoka Insurance Brokers Insurance broker 705-687-6606 320 Muskoka Rd N, Gravenhurst ON P1P 1G4, Canada
RATESDOTCA Quotes comparison 1-844-726-0907 225 King St W, Suite 1000, Toronto, ON, M5V 3M2
Ron Johnston Insurance Insurance agency 705-325-6200 448 West Street N, Orillia, ON L3V 5E8
Scoop Insurance Insurance broker 1-866-456-6620 22-300 Lincoln St, Welland, ON L3B 4N4
Stan Darling Insurance Insurance broker 705-687-7233 131 Bay St, Gravenhurst, ON P1P 1X2
Westland Insurance Insurance broker 705-789-0101 27 Main St E, Huntsville, ON P1H 2C6

Factors that affect your Muskoka car insurance premium

  • Your driving habits and history: Muskoka auto insurance companies will charge you based on risk. If you are known to have many collisions or accidents, your rates will likely be higher. Your habits matter as well. A casual driver will usually have lower rates than an everyday commuter. Why? The more you are on the road, the higher your risk of getting into an accident. Take public transit now and again to reduce driving time. 
  • Your vehicle: The type of car you drive can significantly influence your auto insurance rates. A more expensive or newer car that is popular among thieves may lead to a higher rate. However, opting for a vehicle with anti-theft devices or other safety features can help reduce your rates, potentially saving you money in the long run. 
  • Where you live: If your neighbourhood has a history of having an elevated number of claims annually, your insurance provider will view that as a potential risk factor and charge accordingly.  
  • Your age and gender: Muskoka auto insurance companies consider age and gender when setting rates. Younger drivers, especially males, are often viewed as the highest risk due to their lack of driving experience. Your rates will decrease as you age and gain more experience behind the wheel. However, maintaining a safe driving record is crucial for this to happen.

Ten tips for getting the cheapest car insurance quotes in Muskoka

  • Compare insurance rates: Using sites like RATESDOTCA to compare insurance rates will get you the cheapest insurance quotes in Muskoka from the top providers in the area. It takes minutes and is free to use.
  • Drive safely and maintain a clean record: Auto insurance providers in Muskoka use risk as a measurement to assess premiums. The better your driving record and driving habits, the less of a risk you are to the provider. As a result, rates will come down (or stay low).
  • Drive a good car: A safe car offers more safety features like driver assist, anti-theft devices, and snow tires in winter, for example. These can help reduce vehicle theft and the impact of an accident. However, these cars can also be more expensive to repair, which might eat up some of the savings.
  • Bundle your insurance policies: Bundling policies can help reduce rates. Your provider is inclined to reward your loyalty and business.
  • Be selective about your coverage: Work with an insurance professional to ensure you have the right coverage to suit your needs. That may look like increasing your coverage in some areas (increasing third-party liability) and dropping other coverages (collision and comprehensive insurance if you have an old car).

  • Have a consistent driving history: A reliable driver with a solid driving record shows your insurance provider that you are less of a risk to insure. Over time, it also helps establish a driving record that can save you on insurance costs.
  • Try a usage-based insurance program: A usage-based plan can help save you money. For this type of insurance to work, you’ll need to either download a mobile app or attach a device to your car that will then monitor how you drive. The app takes note of your speed, acceleration, braking, and time of day, among other things. The results will determine how ‘good’ of a driver you are and dictate your premium accordingly.
  • Pay annually: Paying a lump sum each year makes you appear less risky to insure and reduces the administrative costs for insurance.
  • Ask about discounts: Many groups, such as alumni groups, seniors, or members of unions, can apply for auto insurance discounts. Talk to your provider to see what’s available to you.
  • Use winter tires: Many Muskoka auto insurance providers will offer discounts to drivers who use winter tires. It can help reduce accidents and keep insurance risks down.

Frequently asked questions about car insurance in Muskoka

Have questions about car insurance in Muskoka? We’re here to help.

Which company has the cheapest car insurance in Muskoka?

Each driver has different circumstances that influence their Muskoka car insurance rate. That’s why it’s difficult to say which company has the cheapest rates. However, by comparison shopping on sites like RATESDOTCA and assessing the top providers in your area, you can find your best rate quickly and efficiently and at no cost to you.

Is car insurance expensive in Muskoka?

Compared to other drivers in Ontario, car insurance in Muskoka is relatively inexpensive. The average driver in Ontario pays $1,744 per year, and the average Muskoka driver pays $1,379 – a difference of more than 26%.

Can I bundle cottage insurance with my car insurance?

Yes, you can bundle your cottage insurance. If it's your private vacation home, most insurance companies will allow you to bundle your cottage insurance with your other policies, which can help you save money.

How much does it cost to insure a motorhome in Muskoka?

A motorhome is both a vehicle and a temporary lodging and neither a standard auto nor a vacation property insurance policy will cover it. They need specialized coverage from recreational vehicle insurance.

The cost of RV insurance will vary based on the size and type of motorhome and how you use it. It will cost more to insure an RV if you live in one full-time. On the other hand, insuring it for seasonal use might only cost a few hundred dollars per year. Below are the different classes of RVs and the approximate insurance costs for each, according to GoRVing.ca:

  • Class A motorhomes: The largest and most expensive RVs, often acting more like a home than a vehicle. Between $1,000 to $5,000 dollars annually to insure.
  • Class B motorhomes: Also known as camper vans, they are smaller and more vehicle-like. Between $500 to $1,000 per year to insure.
  • Class C motorhomes: Moderate in size, with amenities similar to Class A motorhomes. Towable trailers, fifth wheels, truck campers, and teardrops fall into this category. Between $800 to $3,000 per year to insure.

*Shoppers in Ontario who obtained an auto insurance quote on RATESDOTCA from January to December 2023 saved an average amount of $877. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by RATESDOTCA.

Joel Kranc ,

Joel Kranc is a freelance writer and content provider who has worked with RATESDOTCA since 2019. He holds an MA in political science from the University of Toronto and a film certificate from New York University.

He has been published in and worked for such companies as CNN, Rogers Media, Institutional Investor Magazine, The Globe and Mail, Infrastructure Investor, BenefitsPRO Magazine, Global Finance Magazine, With Intelligence, the CPP Investment Board, Hospitals of Ontario Pension Plan, and many more financial services and industry publications.

He is the author of "Retirement Planning in 8 Easy Steps," which, when released in 2015, was No. 11 on the Publisher's Weekly US Bestseller List for Business and Finance, beating out Mark Cuban's "How to Win at the Sport of Business."

  • Master's of Political Science, University of Toronto
Featured in
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