icon

Find Cheap Car Insurance in Orangeville

Compare and save an average of $772* on Ontario car insurance with RATESDOTCA.

Compare Orangeville car insurance quotes from top providers

CAA
Aviva
Onlia_new.png
Pembridge_new.png
Economical
TheDominion_new.png
Icon - Human
Written by Katie Rook

Car insurance in Orangeville

Orangeville is home to more than 30,000 residents, including many who commute regularly throughout the GTA.

The area offers many of the amenities that city-dwellers rely on as well as easy access to more rural areas and to a range of outdoor activities. The region, north of Peel, is especially popular with winter sports enthusiasts – skiers and snowboarders – who pass through on their way to the Collingwood area, further north.

Though car insurance is mandatory throughout Canada, adequate coverage is an especially good idea for drivers in Orangeville. Afterall, many of them are spending a lot of time on the road and, as a result, may be more likely to be in a collision and file a car insurance claim.

The minimum mandatory coverage in Ontario includes Accident benefits, Direct Compensation Property Damage, Third party liability and Uninsured vehicle.

For drivers in Orangeville who would prefer more protection, a range of optional coverage as well as select endorsements are also easily available.

Here, we outline in greater detail the range of car insurance coverage available to drivers in Orangeville.

Mandatory coverage

  • Accident benefits/bodily injury: Protects the insured against the cost of medical care for injuries from a collision as well as providing wage replacement, homecare and funeral costs.
  • Direct Compensation Property Damage (DCPD): Protects an insured, who is not at fault for a collision, against the cost of damage to a vehicle, its contents and/or a rental car.
    DCPD allows the insured to be quickly paid by their own carrier rather than after a long legal battle following a collision.

    This coverage requires that the insured is Ontario-based and that the collision have taken place in Ontario.
  • Third party liability: Protects an insured at-fault driver in the invent of a lawsuit if a third party is injured or killed in a collision. Also covers property, vehicle damage as well as medical costs resulting from a collision.

    While Ontario drivers are required to have at least $200,000 in TPL coverage, we recommend that they purchase coverage of at least $1 million. Legal and medical costs add up quickly following a collision and if you’re without adequate TPL coverage, you’ll have to pay the difference.
  • Uninsured motorist: Protects the insured financially in the event of injury or death following a collision with an uninsured or unidentified driver.

Optional coverage

Drivers not satisfied with the protection that mandatory coverage offers can add coverage to their policy, including:

  • All perils: Covers many perils. Broadly, has similarities to Collision and Comprehensive coverage.
  • Collision: Covers car replacement, or repair costs, if insured’s car is damaged in a collision and they’re at fault. Also covers single vehicle collisions and hit and run accidents.
  • Comprehensive: Covers damage by debris, earthquake, explosions, hail, theft, vandalism and weather events.
  • Specified perils: Covers damage from a short list of perils that are specifically named in insured’s policy, such as, attempted theft, damage in transport, earthquake, explosions, fire, lightning, riots or windstorms.

Ontario endorsements

An endorsement is a way of describing a car insurance policy amendment that broadens, restricts or alters its terms. When you add an endorsement, you’re broadening the amount of protection available in the event of an insured peril such as a collision.

Some popular car insurance endorsements include:

  • OPCF 20 – Loss of use: Provides coverage for the cost of a replacement vehicle following a collision that renders your vehicle no longer available to drive. This endorsement comes with All perils, Comprehensive or Specified perils coverage.
  • OPCF 27 – Damage to non-owned vehicle: Coverage that extends the protection you already have in your car insurance policy to a vehicle that you don’t own. If your policy has ‘a 27’ you don’t need to purchase a Loss Damage Waiver when you rent a car.
  • OPCF 35 – Emergency roadside: If your car breaks down and you need help, this endorsement will protect you against the cost of any labour required. This includes covering the cost of a tow, battery, gas or tire replacement and/or the cost of a locksmith.
  • OPCF 44R – Family protection: If there’s a gap between your liability protection for you and those listed on your policy and that of a third party who’s found at fault during a collision, this endorsement covers the difference.
  • OPCF 43 – Depreciation waiver: If you’re in a collision and your car is so badly damaged that it’s written off, this coverage will allow you to be paid out for its full value. This endorsement tends to appeal most to drivers who have a new car. It’s not necessarily worth the additional cost if you’re driving an older vehicle.

Though it’s ideal to be protected to the greatest extent possible, more coverage usually means a higher premium. It’s worth considering what coverage you need and what you can do without.

Since car insurance rates are subject to change, following approval from the Financial Services Regulatory Authority of Ontario, it’s always worth making sure that you’ve done what you can to manage your coverage costs.

Comparison shopping is a good first step to ensuring you’re getting the best coverage at the lowest rate.

Recent auto insurance quotes in Ontario

Shopper from ETOBICOKE, ONTARIO
2008 HONDA CIVIC LX 4DR October 02, 2022
$ 2,652
Per year
Cheapest Rate
$ 4,873
Per year
Average Rate
$ 2,221
or
46 %
in savings
Shopper from ETOBICOKE, ONTARIO
2010 HONDA FIT LX 5DR October 02, 2022
$ 579
Per year
Cheapest Rate
$ 1,438
Per year
Average Rate
$ 859
or
60 %
in savings

How to get Orangeville car insurance on RATESDOTCA

Car_Icon.png

1. Tell us about your vehicle

Answer a few basic questions about your driving & car insurance history.

Quote Icon.png

2. Compare your quotes

See quotes from 50+ insurance companies side by side.

Click Here_Icon.png

3. Choose the right coverage

Find the right protection for your vehicle.

Complete Application_Icon.png

4. Secure your rate

Connect with the provider and secure your rate.

What people say about our quotes

Rating stars

Based on 5,066 reviews

 Trustpilot logo

How much does car insurance cost in Orangeville?

The average 2021 car insurance premium for a driver in Orangeville was $1,766, according to RATESDOTCA’s Auto Insuramap tool.

That’s about 14% greater than the provincial average for the same year: $1,555.

While average annual premiums in some Ontario cities decreased, drivers in Orangeville were subject to an increase in 2021, up about 14% from the average 2020 premium of $1,547.

The increase could have to do with the volume of drivers on the road in the region as well as the practical reality that Orangeville is a commuter town – a small city where residents rely on their cars frequently to get around.

Here’s how Orangeville’s 2021 average car insurance premium compared to other cities within the Greater Toronto Area.

How do Orangeville car insurance rates compare to those in other Ontario cities?

Location Average Premium 2021 % difference from Orangeville average
Orangeville $1,766
Vaughan $2,179 23%
Ajax $2,104 19%
Richmond Hill $2,025 15%
Brampton $1,976 12%
Mississauga $1,971 12%
Pickering $1,959 11%
Toronto $1,953 11%
Oshawa $1,833 4%
Ontario $1,555 -12%

Which companies offer car insurance quotes in Orangeville?

Companies Company Type Phone Address

Billyard Insurance Group - Orangeville

Insurance broker

(519) 943-1919

15 Brenda Blvd. Unit 101, Orangeville, ON L9W 3Y5

Co-operators - Roy Chopp Insurance & Financial Services Inc

Direct writer/Insurance agent

(519) 941-5178

235 Broadway, Orangeville, ON L9W 1K4

E.C. Marshall Insurance

Insurance broker

(519) 941-2000

2 Fead St., Orangeville, ON L9W 1A7

Insurance Hotline

Quotes comparison

1 (855) 821-7312

360 Adelaide St. W. Suite 100, Toronto, ON M5V 1R7

LowestRates.ca

Quotes Comparison

1 (855) 487-6911

1910 Yonge St. Suite 401, Toronto, ON M4S 3B2

Orangeville Insurance Services Limited

Insurance broker

(519) 941-1500

11 Mill St., Orangeville, ON L9W 2M2

RATESDOTCA

Quotes comparison

1 (844) 726-0907

360 Adelaide St. W. Suite 100, Toronto, ON M5V 1R7

Scoop Insurance

Insurance brokers

1 (866) 456-6620

300 Lincoln St. Unit 22, Welland, ON L3B 4N4

What factors affect your Orangeville car insurance premium?

  • Claims history: Insurance providers are always trying to gauge how likely a driver is to make a claim. When you have no history of filing a claim, you’re considered at low risk of doing so in the future. As a result, you’re likely to receive a lower car insurance rate. If you’ve made one or more claims in the past, expect your premium to be higher.
  • Driver profile: Drivers with no history of tickets or infractions are likely to receive lower rates. If you’ve ever been convicted of a serious speeding offence or dangerous driving, expect your premiums to be higher for several years.
  • Location: If you live and drive in a region with many drivers on the road, or a high rate of car thefts, expect to pay more. While car insurance rates went down in many parts of the province during the Covid pandemic because so few cars were on the road, they’re expected to increase again as more and more drivers return to their previous commuting habits.
  • Vehicle type: If you drive an expensive vehicle that would be costly to repair or replace, expect to pay more for car insurance coverage. On the other hand, if you have an older car that has safety features such as airbags and safety alarms, you may enjoy lower premiums because an insurance provider would deem it less expensive to repair or replace.

Top 7 tips for getting cheap car insurance in Orangeville

Manage your car insurance costs with the following tactics:

  1. Bundling: When an insurance provider holds more of your business, they may be more willing to offer you a discount. By bundling your auto and home insurance policies so that each is held by a single provider, you can reduce your insurance costs considerably without compromising on coverage.
  2. Comparison shop: When you survey available rates every year when your car insurance policy is up for renewal, you’ll be able to secure savings. Lower rates may be available through certain providers. And it’s also possible that your coverage needs will have changed. Comparison shopping is free, takes less than three minutes and could save you hundreds of dollars each year.
  3. Increase your deductible: If you’re able to pay a greater deductible, consider doing so in order to bring down your monthly car insurance premium.
  4. Install winter tires: Ontario drivers who install winter tires are eligible for a discount of 5-15%. The exact amount, however, is up to the individual provider.
  5. Keep a clean driving record: When you’re able to tell an insurance provider that you’re at low risk of making a claim because you have a clean driving record, you’re likely to enjoy lower premiums. Young males with limited driving experience tend to have the most expensive car insurance premiums.
  6. Pay on time: To avoid any difficulty with your coverage always make sure to pay your insurance premium on time and in full. Any interruption to your car insurance coverage can not only lead to a rate increase but can cause all sorts of trouble if you’re in a collision while your payments are in arrears.
  7. Telematics: If you agree to have your driving behaviour tracked by an electronic device installed in your vehicle, you may be able to secure savings on your car insurance.

Frequently asked questions about car insurance in Orangeville

Which company has the cheapest car insurance in Orangeville?

There isn’t a specific car insurance that offers the lowest car insurance to all drivers in Orangeville. Rather, the key to getting cheap coverage is customizing your policy so that you’re only paying for the coverage you need, nothing more. When you’re thoughtful about what type and amount of protection you need, you can manage the overall cost of your policy.

Orangeville drivers will also enjoy a lower car insurance premium if they can reflect a clean driving record and have no history of making insurance claims. You’ll also be able to bring down costs if you’re driving a safer, older vehicle that’s not costly to repair, and, if you’re willing to increase your deductible.

What are the best car insurance companies in Orangeville?

RATEDOTCA offers free, online quotes for 50+ of the most-trusted car insurance providers in Canada. If you’re a driver in Orangeville, you’ll receive free quotes outlining what coverage is available to you, based on your application. Though comparison shopping will help you secure savings, be aware that in 2021 car insurance premiums in Orangeville were more expensive than the provincial average. This is partly because there are so many drivers on the road in that area that insurance providers consider drivers there to be at greater risk of making a claim.

Can I get month-to-month car insurance in Orangeville?

Most insurance providers in Canada, including those writing policies for drivers in Orangeville, provide policies with a one-year term. That said, it’s not impossible to find a provider offering a six-month term. We recommend that you compare what’s available and speak to a broker about how to find the best coverage for you at the lowest rate.

How do I get car insurance as a new driver in Orangeville?

Insurance companies rely, in part, on your driving history to determine your premium. If you’re unable to reflect any driving history, expect to pay more.

When your Orangeville car insurance policy is up for renewal, you can compare rates again – this time reflecting a year-long driver history. If your driving profile is without infractions (and you’ve made no claims) in that year, it’s likely you’ll be able to secure a lower rate.

New drivers may be able to establish a driver profile by being added as a secondary driver to the policies of their parent or guardian.

Is ride sharing insurance available in Orangeville?

If you use your vehicle for commercial purposes such as working for a ride sharing company, you’ll be required to purchase their coverage.

However, that protection is unlikely to extend outside the use of the app. So, you’ll need your own policy as well. Be sure to disclose to your insurance provider how you use your car. If you have not done so and are in a collision while working for a ride share company, your claim may be denied.

*Shoppers in Ontario who obtained a quote on RATESDOTCA and transacted via our contact centre from July to December 2021 saved an average amount of $772. 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.

Latest auto insurance articles

1-in-5 Canadians are driving to work more often, but 74% unaware they must inform their insurance provider
As your weekly commute drives up your kilometre count, your auto insurance provider can’t be the last to know. Failing to report a change in vehicle usage can have serious repercussions on your policy.
Learn More
6 mins read
5 expensive car insurance mistakes
Distracted driving. Failing to report a change in the usage of your vehicle. Lying about where you live. These are just some of the mistakes that can result in a higher insurance premium.
Learn More
5 mins read
What to do if you suspect your mechanic is making fraudulent repair charges
Being overcharged for a repair can increase the cost of your insurance claim and potentially affect your premium when your policy renews. Here are a few ways to alert yourself to the signs of a fraudulent auto body shop.
Learn More
5 mins read

Subscribe to our newsletter

Stay on top of our latest offers, relevant news and tips!

Thanks for joining!

You'll be hearing from us shortly - stay tuned.