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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Choose your policy

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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

2024/11/18

Shopper in ORILLIA, ON
Vehicle: GMC ACADIA SLT V6 4DR AWD 2007
GORE	$1,047
Wawanesa	$1,053
Intact	$1,142
Travelers	$1,323
Savings from the top 4 cheapest quotes	$276

2024/11/16

Shopper in ORILLIA, ON
Vehicle: FORD BRONCO BIG BEND 4DR 4WD 2023
Intact	$1,905
Travelers	$2,245
CAA Connect	$2,384
Aviva Journey	$2,424
Savings from the top 4 cheapest quotes	$519

5 star reviews for car insurance in Orillia

Rated 4.7 out of 5 stars in 1448 Google reviews

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steve jonkhans

2024-09-26

i used thinkinsure to navigate a complicated car insurance situation after my prior broker could not find me the insurance i required. Denise Snyder Phillips was my agent and she was extremely helpful, efficient and responsive. Highly recommend thinkinsure for your insurance needs and ask for Denise!

Carrie Crump

2024-09-24

Young man is super amazing and caring . Top top notch service !!! Very kind gentleman

DJ G

2024-09-24

I was shopping around for some new auto insurance rates as my current policy was ending soon and was looking for cheaper premiums. I called ThinkInsure, and Todd helped me with the process start to finish. Communication with him after my initial phone call was flawless through email, often replying right away during business hours. He was easy to ask questions and provided multiple quotes to me when I needed to make some changes. I ended up getting better coverage for a much lower premium compared to my current provider with ThinkInsure. Thanks Todd for the seamless experience and helping me get setup!

Philip Witteveen

2024-09-23

Denise is fantastic! She is so kind and patient and works hard to listen and provide you with the best insurance available to you. Denise also continues to look for the cheapest options for you that provides you with the top notch coverage. I would highly suggest connecting with Denise if you're looking for great insurance, good prices, and to work with someone that actually cares. 5 star plus!

Cassandra Brookes

2024-09-20

I had been in the market for new insurance for a while, not getting many great quotes and then I come to find Todd Allen through ThinkInsure and have only great things to say about my experience. Knowledgeable, honest, responsive and made insuring my vehicle a breeze. Within 4 emails back and forth, signing e documents and a final email to confirm I was set up and ready to go. Could not recommend his services enough! Thanks Todd !!

Ginny Sweet

2024-09-19

I was in a difficult situation trying to renew my insurance after my last company stopped providing insurance. Bailey made the whole process quick and easy. I had paperwork signed and documents to me within a few hours of our initial conversation. I am forever grateful

Durai samy Easwarakumar

2024-09-18

Todd Allen such a nice auto insurance advisor Doing a excellent service 👍buy the costumer’s satisfaction to get an cheaper code in the current market 😀

Jenniffer

2024-09-17

great service, sohel rahman was incredible helping us get the insurance we needed, thank you!

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.

2024-11-20

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