Orillia Car Insurance: Compare Lowest Quotes Online

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

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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

2024/12/17

Shopper in ORILLIA, ON
Vehicle: GMC ACADIA SLT V6 4DR AWD 2008
GORE	$1,054
Wawanesa	$1,082
SGI Canada	$1,233
CAA Connect	$1,256
Savings from the top 4 cheapest quotes	$202

2024/12/16

Shopper in ORILLIA, ON
Vehicle: GMC ACADIA SLT V6 4DR AWD 2008
CAA My Pace	$913
GORE	$1,046
Wawanesa	$1,067
SGI Canada	$1,182
Savings from the top 4 cheapest quotes	$269

5 star reviews for car insurance in Orillia

Rated 4.7 out of 5 stars in 1463 Google reviews

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Kevin St Clair

2024-11-28

Betsy was a genuine pleasure to deal with considering the circumstances. Thanks again for all your help

Anthony Gomez

2024-11-27

Today, I want to take a moment to recognize Monica Chan, an exceptional insurance broker who has consistently gone above and beyond in her service to me. Monica's dedication to punctuality and consideration has been truly remarkable. She has always been prompt in responding to my inquiries and has never hesitated to offer her expertise and guidance. With Monica as my broker, I have never once felt worried about anything going wrong. Her proactive approach and attention to detail have provided me with peace of mind, knowing that my insurance needs are well-taken care of. Throughout our interactions, Monica has been incredibly helpful, patiently explaining complex insurance concepts and ensuring that I fully understand my coverage options. I wholeheartedly recommend Monica Chan to anyone seeking an insurance broker who genuinely cares about their clients' best interests. Her commitment to excellence and her willingness to go the extra mile make her an invaluable asset in the insurance industry.

Phyllis Baker

2024-11-20

Absolutely amazing service the broker Todd worked on my quote fast I recommend this company to anyone very professional I’m so glad I called them .. Thank you for your great work

Charles Cameron

2024-11-15

Betsy Bannon has been nothing short of amazing at helping us through the complex process of acquiring business insurance. She quickly understood our needs and expertly guided us to the right solution. From start to finish, she made us feel like her most important client which gave us the confidence that we were in great hands. We highly recommend Betsy!

Jermaine M

2024-11-05

I had a great experience with Patrick Vuong. He went above and beyond to help me update last minute changes to my policy in order to qualify for a government grant. Staying back late and coming in early the next day to help finishes the changes. Very kind and professional!

Mark Gaffney

2024-11-05

Betsy Bannon is a professional extremely friendly and knowledgeable and made my experience wonderful! Highly recommend her for any insurance needs. Mark Gaffney

fabian ward

2024-11-04

Great service! Prompt and very helpful! Thanks to Todd allan for really helping me out!

Stephen Mcfadden

2024-11-01

Great experience working with Sohel Rahman, appreciate his honest and can-do attitude. Highly recommend!

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

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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