Orillia Car Insurance: Compare Lowest Quotes Online

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Get the best Orillia auto insurance

Finding the right car insurance policy is essential for the residents of Orillia. Orillia is set along Lake Simcoe north of Barrie. People rely primarily on driving to get around and use Highway 11 to get in and out of town. So, having an insurance policy you can rely on is a must.

Our insurance brokers in Orillia will help you compare car insurance quotes from the best insurers. Get started online, or call us for an excellent policy matching your driving needs. We can help you with all your Orillia insurance requirements.

Top things to know about Orillia car insurance

Orillia auto insurance is more expensive than the province average (by about $200 per year).
The average cost of car insurance in Orillia is $1,978 per year.
Car insurance is mandatory, but there are lots of ways to lower your rates and save when you use an insurance broker in Orillia.

How to compare car insurance quotes in Orillia

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1) Start your quote

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2) Tell us about your driving and vehicle

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3) Compare your quotes

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What do you need to know about how auto insurance works in Orillia?

Auto insurance in Orillia works the same as Ontario car insurance. The same rules apply. Here’s a summary of what you need to know:

Insurance is legally required for all drivers
The Financial Services Regulatory Authority of Ontario (FSRAO) regulates insurance
You require a minimum of $200,000 in third-party liability coverage. Most drivers carry more coverage.
Policies are purchased from a private insurance company through an insurance broker.
No-fault insurance applies - you deal with your insurer for all claims
Premiums are assessed and set based on your risk profile

Fines start at $5,000 if you drive without insurance. They can reach $50,000 if you are a repeat offender.

Is car insurance required in Orillia?

Insurance is mandatory. All drivers must carry a minimum amount of coverage. Basic policies include:

Policies include $200,000 in third-party liability coverage. However, most drivers increase coverage to $1 or $2 million. You have medical attention and care coverage if you are injured in a collision. All policies included protection from uninsured drivers and hit-and-run incidents. DCPD is no longer mandatory, but it will be included in your policy unless you opt-out using OPCF 49. You can personalize your policy and enhance your plan limits with optional coverage and endorsements.

What optional car insurance coverage can I get in Orillia?

You have options - lots of them. There are many ways you can personalize your insurance policy. Here are the four main types of extra coverage people add to their Orillia car insurance policy:

Collision insurance: This covers vehicle damage from collisions and objects, such as a fallen tree branch or street signs.
Comprehensive insurance: You have protection from non-driving events. For example, someone keys your car or vandalizes it.
All perils insurance: This combines comprehensive and collision coverage.
Specified perils insurance: You have coverage only for the perils listed in your policy.

Insurance endorsement also allows you to alter your coverage. You can increase limits and add and remove particular coverage. Speak to our brokers about your customization options.

Recent Orillia car insurance quotes

2024/08/24

Shopper in ORILLIA, ON
Vehicle: JEEP WRANGLER UNLIMITED RUBICON 4DR 4WD 2017
Wawanesa	$782
Intact	$846
CAA Connect	$859
Pembridge	$877
Savings from the top 4 cheapest quotes	$95

2024/08/22

Shopper in ORILLIA, ON
Vehicle: NISSAN MAXIMA 3.5 SV 4DR 2012
Wawanesa	$1,226
CAA Connect	$1,452
GORE	$1,479
Intact	$1,491
Savings from the top 4 cheapest quotes	$265

5 star reviews for car insurance in Orillia

Rated 4.7 out of 5 stars in 1428 Google reviews

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Kathleen Matthews

2024-08-13

Denise Phillips was extremely helpful and found us the best insurance option for our situation. She was responsive, knowledgeable, and very friendly! Thank you!!

valerie armstrong

2024-08-08

Denise was absolutely splendid i was having a rough day, she was able to help calm me down and she listened! She found me a better quote then i could ask for!! Denise was amazing!! Ask for her when you call! She’ll go above and beyound for you. So happy and thankful i came across you Denise, your honestly god sent, and a wonderful person. Thank you so much!! :)

Bluemoon

2024-08-08

I was coming to tail end of my auto insurance renewal and wanted to shop around due to the dramatic price hike. I was glad to give ThinkInsure a call and quickly reached Denise Snider Phillips who was amazing and friendly to deal with! I recommend Denise for your insurance needs. She’s a real expert in her field and made my insurance search and renewal a quick and smooth process! Thank you Denise for your amazing service!

Sara Pérez Álvarez

2024-08-08

Pooyan Saeidi has been our Insurance Broker for years taking care about our rental condo insurance and he makes always an amazing job! Nice person and great service! He always reminds you the renewal before it expires looking for the best price and services for you. We highly recommend him and ThinkInsure!!

Ellen Hay

2024-08-06

Today, I had an opportunity to speak to Denise Snyder Phillips. i was unhappy with a part of my policy. She was patient and attentive with me. She was also well informed and helped me to understand my policy. I really appreciated her assistance. I wish her well! Ellen Hay

Creative Village

2024-08-01

I've been with Thinkinsure for about a year now, and I have to say that Betsy Bannon is the main reason I'm still a happy customer. As a grassroots non-profit founder and Executive Director, I didn't know much about insurance when I first started. Betsy was incredibly patient with all of my questions and really took the time to listen to my concerns. She's efficient, and detail-oriented, and has created a trusting environment for me to get my insurance needs sorted out. I always go directly to Betsy when I need insurance for my non-profit organization because of the exceptional service she provides. She's the only broker I've worked with at Thinkinsure, and I really value the great experience she consistently delivers!

Adam Thompson

2024-08-01

We worked with Todd A. to get both our home and auto insurance covered. He was awesome, easy to talk to and prompt with all his responses and help. I will definitely go with ThinkInsure next year and hope Todd is still there when the time comes.

Moll

2024-07-31

Received a quote from Betsy. What a fabulous experience! She is so personable and knowledgeable. I would definitely recommend her! Thanks again Besty 😀

How much does car insurance cost in Orillia?

The average cost of car insurance in Orillia is $1,978, based on ThinkInsure customer quote data. Monthly payments are about $165, or $41 weekly. Your premiums may be higher or lower depending on your specific situation. Compare quotes to see how much you’ll pay for insurance in Orillia.

How do Orillia auto insurance premiums compare to other cities?

Orilla drivers have car insurance premiums similar to other cities within close distance. While Orilla is slightly more expensive than others, Barrie car insurance premiums are the most expensive, about $150 more per year. Here’s a comparison of cities in the region:

City	Avg premium
Barrie	$2,150
Orillia	$1,978
Uxbridge	$1,972
Wasaga Beach	$1,958
Midland	$1,720

Orillia car insurance rate changes from 2019-2023

How much you pay for car insurance can change from year to year. Costs can go up or down depending on your driving record, changes in your life, and approved rate changes. Here’s an overview of the premium changes in Orillia:

Year	Average annual premium
2023	$1,978
2022	$1,567
2021	$1,800
2020	$2,046
2019	$1,625
Average rate (2019-23)	$1,803

Orillia car insurance FAQs

How do I get cheap car insurance in Orillia?

Even though insurance rates are on the rise, there are steps you can take to reduce your premiums. Even a little bit adds up to significant savings. Here’s a list of savings tips:

Compare Orillia car insurance quotes annually
Drive an insurance-friendly vehicle
Don’t over-insure - choose a policy that matches your needs
Sign up for usage based insurance (UBI)
Drive safely and stay accident-free
Avoid filing claims unless necessary
Add extra security features to your vehicle
Bundle home and auto insurance and save on both policies

What are the main factors that affect how much I pay for car insurance in Orillia?

Knowing the factors that affect your payments will help you better understand why your rates are what they are. It can help you see what you can do to keep costs down. Here are the main factors affecting your rates:

Demographics (Age, gender, and marital status)
Driving experience
Licence type (G, G2, G1)
Where you live (city, neighbourhood, postal code)
Vehicle type (new or used, SUV, car, pickup)
Vehicle use (commute, business use, kilometres travelled)
Driving record and claims history
Policy type, add-ons, endorsements and plan limits

What are the best car insurance companies in Orillia?

You have options when it comes to insurance. However, there isn’t one top insurance company. The best insurer is the one that can serve your driving needs. The only way to know this is to shop around and compare your options. Our brokers can help you compare insurance quotes from all the best companies.

Save on Orillia car insurance today

Need a policy? Time to renew? Give us a call or compare Orillia car insurance quotes online. It's quick and easy to shop and save with us.

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Sources

* Based on the difference between the average lowest premium and the overall average premium in Orillia for estimates completed from January 1, 2023, to January 31, 2024, for drivers with a clean driving record.

** Estimated prices are based on data entered by drivers with a clean driving record living in Orillia on ThinkInsure.ca from January 1, 2023, to January 31, 2024

Insurance Blog And News

Read our insurance blog to get helpful tips, information and news.

2024-09-06

Save on Orillia Car Insurance

Compare Orillia car insurance quotes and save $662* by choosing the lowest rate.

Compare Orillia car insurance quotes from top providers

Get the best Orillia auto insurance

Top things to know about Orillia car insurance