Cheap Orangeville Car Insurance Quotes
Ontario drivers save $716* on average by comparing quotes on InsuranceHotline.com
Jump straight to:
- How Orangeville auto insurance works
- How to get the cheapest Orangeville car insurance quote
- Orangeville mandatory and optional auto insurance coverages
- How much does Orangeville car insurance cost?
- Compare Orangeville car insurance premiums against other Ontario cities
- Factors that determine your Orangeville car insurance rate
- How to get the cheapest car insurance in Orangeville
- Frequently asked questions about Orangeville car insurance
How Orangeville auto insurance works
Orangeville follows Ontario’s auto insurance rules, which say that:
- It’s illegal to drive a car without having insurance on it.
- A policy must include third-party liability, accident benefits, and uninsured automobile insurance.
- Each driver deals with their respective insurance company to settle an accident claim, regardless of who’s at fault (Ontario has a no-fault car insurance system).
Auto insurance is privately run in Ontario, meaning you must purchase a policy from a privately owned company, not a government corporation. There are three ways to buy insurance in Ontario:
- From a broker, who technically doesn’t sell insurance, but rather negotiates a contract from an insurance provider on your behalf.
- An agent, who represents an insurance provider.
- Or directly from a digital-first insurance provider (also known as direct writers).
Changes to Ontario's auto insurance in 2024
Ontario is currently in the process of reforming how auto insurance works in the province. The goal of this is to reduce the amount of coverage drivers are forced to take out, and in turn, lower their premiums.
Some of the proposed changes include:
- Option to remove the caregiver benefit, housekeeping and home maintenance expenses benefit, income replacement benefit, and death and funeral benefits (benefits for medical, rehabilitation, and attendant care will remain mandatory, however).
- Making auto insurance companies the first payer for medical and rehabilitation benefits (at the moment, a person's private medical insurance is the first payer). This change is meant to streamline the claims process and lead to earlier resolution.
- Option to remove direct compensation for property damage (DCPD) coverage (in effect since January 2024).
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| Cheapest Rate | $3,177 |
| Average Rate | $8,540 |
| Savings: $5,363 (63%) | |
| Cheapest Rate | $2,019 |
| Average Rate | $4,718 |
| Savings: $2,699 (57%) | |
| Cheapest Rate | $3,191 |
| Average Rate | $5,496 |
| Savings: $2,305 (42%) | |
Orangeville mandatory and optional auto insurance coverages
| 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. |
| Direct Compensation-Property Damage (DC-PD) | Optional | DCPD is included in all standard insurance policies, but Ontario drivers can apply to remove it. DCPD pays to repair or replace your car if you're in a collision where the other driver is at fault. You lose this coverage by removing DCPD, as well as your ability to sue the other driver for repairs. |
| 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 other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc. |
| 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 16: Suspension of coverage | Optional | This allows you to suspend your insurance coverage for 30 days or more during periods when you aren't using the car. |
| OPCF 43: Waiver of depreciation | Optional | Ensures your insurance company won't factor in depreciation when settling a claim; you will receive the amount you initially paid for the car. |
| OPCF 44R: Family protection coverage | Optional | Ensures your costs are covered if you and your family are involved in an accident with a driver with less liability insurance than you. This endorsement will cover the remainder. |
| OPCF 13C: Limited glass | Optional | For a lower premium, you can limit or exclude any coverage for glass damage that might've been in your policy. |
| OPCF 40: Fire and theft deductible | Optional | Adds a deductible (an amount you must pay before your insurance company chips in funds) for a theft or fire damage claim. |
How much does Orangeville car insurance cost?
The average car insurance premium in Orangeville in 2023 is $1,660, according to the RATESDOTCA Insuramap. Orangeville’s average is 5% lower than the provincial average of $1,744.
Claim frequency within a region majorly impacts car insurance premiums. In Ontario, insurance companies use forward sortation areas (FSA), the first three characters in your postal code, to set boundaries for coverage areas. The fewer claims in an FSA, the lower the average rate and vice versa.
Some individual characteristics determine your rates, including age, gender, car, driving and insurance histories. This means scoring a rate lower than your city’s average is possible. Compare quotes on InsuranceHotline.com to see if a different insurance company can offer you a cheap rate on your car insurance.
Compare Orangeville car insurance premiums against other Ontario cities
| Rank | City | Average 2023 premium |
|---|---|---|
| 1 | Brampton | $2,707 |
| 2 | Toronto | $2,325 |
| 3 | Mississauga | $2,311 |
| 4 | Richmond Hill | $2,188 |
| 5 | Vaughan | $2,158 |
| 10 | Orangeville | $1,660 |
Source: RATESDOTCA Auto Insuramap
Of 68 possible spots, Orangeville ranked 22nd for car insurance premiums in Ontario in 2023.
While not one of the cheapest cities, Orangeville drivers are getting better rates than elsewhere in Peel Region.
To the south of Orangeville are Brampton and Mississauga, where rates are 55% and 33% higher than the provincial average. Compared to Orangeville, the difference is even more pronounced: car insurance in Brampton is 66% more and 39% more in Mississauga.
The populations of Brampton and Mississauga are many times greater than Orangeville's. Places with larger populations have more claims, which leads to higher premiums for everyone within city borders.
Factors that determine your Orangeville car insurance rate
Insurance companies consider many variables to calculate your insurance premium. Here are some of the major ones.
- Neighbourhood: Your postal code matters a lot to your car insurance rate. Your premium will be affected if many other customers within your forward sortation area have made claims.
- Type of vehicle: We don't usually consider this before buying a car, but the type of vehicle you own has a significant impact on how much you pay for car insurance. It matters because insurers estimate a portion of your premium on how much replacing or repairing your car would cost.
- Daily commute: According to insurance companies, commuting long distances several times a week for work is a risk factor. Actuarial data shows that regular commuters are more likely to file claims.
- Driving and insurance history: Customers with good driving and insurance histories will get their insurance provider's preferred rate. What does a good history look like? Not having any traffic convictions, an unbroken track record of paying your insurance bill, and not having policy cancellations are markers of a strong track record.
- Existing coverage: Ontario has optional insurance products that you can add to broaden your policy's coverage. Adding these products to your insurance will raise your insurance bill.
- Additional drivers: Adding an occasional or secondary driver will increase your bill. Adding more drivers to a policy increases the chances you will need to make a claim.
- Discount eligibility: Insurance companies offer discounts to their customers. The one that leads to the most significant reduction is the bundling discount. Bundling is when you purchase home and auto insurance coverage from the same company. They usually reward customers with 15% off both policies. Other discounts are available for experienced drivers, installing winter tires, belonging to a professional group, and being an alumnus of a post-secondary institution. Check with an insurance professional about what discounts you qualify for. Your insurance company may offer one that's not listed here.
How to get the cheapest car insurance in Orangeville??
Saving on car insurance is easier than you think. Following these 10 tips will help you get the cheapest Orangeville car insurance rate.
Shop around
InsuranceHotline.com users in Orangeville saved an average of $1,924 * when they compared car insurance.
Bundle all policies
You can save up to 15% (sometimes 20%) on each policy if you buy home and auto coverage from the same insurer. Apart from comparing quotes, it's the best way to shave off hundreds on your insurance bill immediately. Select the bundling option when completing your home or auto quote to unlock these savings when you compare quotes on InsuranceHotline.com.
Insure all vehicles
In addition to bundling home and auto, insuring all the cars in your household (if there are multiple) with the same company will also lead to savings. You could save 10 to 20% when you insure all your vehicles under the same policy.
Increase deductibles
Doubling a deductible from $500 to $1,000 can save you up to 10% on your car insurance premium. Just make sure you have the cash saved up.
Make lump sum payments
Insurance companies may offer you a lower rate if you pay your annual premium upfront instead of breaking it into 12 payments. It saves the insurance companies on overhead.
Change tires seasonally
Driving on winter tires between November and April can save you 5% on your premium. Let your insurer know if you have winter tires.
Compare rates annually
Try comparing auto insurance quotes every year. The best time to do it is when your current insurance provider notifies you that your policy is about to renew. Your current insurance company won't charge you a fee for terminating your policy early if you decide to change companies during the grace period.
Use a telematics device
A telematics device is installed in your car and lets an insurance company monitor your driving habits. Insurance companies have different names for it, like CAA's Connect® or belairdirect's Automerit® program. Exhibiting good driving habits can reduce your insurance bill by 25% at renewal. Standards vary by insurer, but generally, good habits mean driving at the speed limit, braking slowly, and not driving at night. The downside of these programs is that, in Ontario, insurance companies can use the data they collect to justify raising your premium.
Ask about discounts
Be sure to ask about discounts you may qualify for, including alumni and claims-free discounts.
Go to driving school
Graduating from an accredited driving school will help you save on car insurance if you're a new driver.
Car insurance in Orangeville: what you should know
The rate different car insurance companies charge to insure the same car and Orangeville driver can differ by hundreds sometimes thousands of dollars making it essential to find the car insurance company that offers you the cheapest available rate.
Busy people don't have time to call around for multiple quotes getting quotes online makes way more sense. If you're an Orangeville driver, save yourself some time by comparing car insurance quotes from over 50 trusted Canadian insurance providers in the same amount of time it takes to get just one quote.
*Represents the average saved by Ontario shoppers who obtained an auto insurance quote on InsuranceHotline.com and transacted via our contact center between January and December 2022. 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 InsuranceHotline.com.
Frequently asked questions about Orangeville car insurance???
Which companies offer the cheapest car insurance in Orangeville?
The answer will vary by person. Because insurance companies combine risk, they charge you based on how much risk you present to the insurance 'pool.' (By risk, they mean how likely you are to file a claim to the company.) They don't offer flat-rate insurance for that reason.
Each company will assess driver risk slightly differently, so you will see variations between quotes when comparing multiple insurance companies on a rate comparison site.
Why is Orangeville car insurance so expensive?
At $1,660 per year, Orangeville car insurance is about 5% cheaper than the provincial average ($1,744).
The claims frequency within a region impacts car insurance premiums. In Ontario, these regions follow forward sortation areas (FSA), the first three characters in your postal code. The more claims in an FSA, the higher the average rate and vice versa.
There are still ways you can lower your bill, even if premiums are relatively affordable in your area. Check out these 10 tips on getting the cheapest insurance in Orangeville.
Why do Orangeville car insurance rates change?
Private insurers adjust their rates in response to the number and manner of claims they receive. If there have been more collisions in your neighbourhood, you can expect your premiums to increase. In Ontario, rate changes are regulated by an independent body called the Financial Services Regulatory Body (FSRA).
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