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There’s so much development in the Golden Horseshoe region of Ontario that a move toward regional municipalities started in the 1970s. Faster growing cities annexed surrounding lands aggressively. To preserve room for development themselves, smaller communities aggregated into their own regional governments as a hedge against urban cannibalism. Such is the story behind Caledon, a town established in Peel Region in 1974.

Caledon’s largest population center in Bolton. None of the other communities are very substantial. While Caledon is officially a lower-tier town, it’s largely an agricultural region. The only major residential area serving as a bedroom community for the Greater Toronto Area is north of Bolton, built around Queen St. and bordered by Albion Vaughan Road to the east. A smaller urban area, Caledon East, houses the town hall as well as the area detachment of the Ontario Provincial Police.

How Much Does Car Insurance Cost in Caledon

The average cost of car insurance in Caledon is $1,421.

Quote DateAverage Auto Insurance Cost in Caledon *

*Methodology: We used a sample profile for a male driver aged 30 years with his own vehicle having mandatory coverage. He drives a Honda Civic 2012 car with an average mileage of 5000 – 8000 km per year to commute to work. He has a clean driving record history of 5 years with no accidents or collisions.

We surveyed the car insurance prices in the city of Caledon for the purpose of illustrating the range in quotes based on driving record, location, and other criteria. To get a customized quote, enter your postal code above.

Affordable Car Insurance in Caledon

Traffic congestion, as well as car insurance fraud, are the prime factors driving up auto insurance premiums in the GTA suburbs to the south and southeast. These are just part of the influences on insurance prices, though. Other factors include a motorist’s driving record and insurance claims history, the car year, make, model, and even age and gender.

Choices for insurance coverage also affect the cost, with more coverage and features driving up the policy price. As well as this, the Ontario government requires a minimum level of insurance. All vehicles on the road must carry at least this level or else the driver could face major fines.

Mandatory Auto Insurance in Ontario

Statutory personal car insurance has four components:

  • Third-Party Liability
  • Accident Benefits
  • Direct Compensation Property Damage
  • Uninsured/Unidentified Driver Coverage

Third-party liability coverage protects a driver when they are at fault in an accident. Ontario’s insurance system retains the rights for injured parties to sue for damages, even though auto insurance is partly no fault. The province requires $200,000 in liability protection. This is, however, frequently inadequate when a serious accident occurs. Many motorists choose to carry a minimum of $1 million in liability coverage to guard against a major settlement.

Accident benefits are in the news in 2016. To battle high insurance costs, the provincial government reexamined its car insurance legislation. Changes took effect in June 2016 that re-classified injury definitions for statutory accident benefits coverage. As well as this, some combinations of benefits changed, lowering the total amounts insurers paid in some situations. Many drivers now purchase additional accident benefits coverage because of this.

Direct Compensation Property Damage is part of the no-fault coverage components. In certain cases, a driver’s own insurance company pays for repairs and loss, regardless of which driver is found at fault resulting from an incident. As an aid, insurance fault determination matches every accident to a predetermined scenario defined in auto insurance legislation.

Uninsured/unidentified driver coverage protects against collisions with drivers illegally operating without insurance as well as hit and run accident situations.

Keeping Car Insurance Costs Down

Caledon drivers have some alternatives to accepting a single premium offering. Ontario’s car insurance system remains competitive, with private companies offering insurance to consumers. Every auto insurance underwriter creates its own method for premium calculation. These procedures require approval by the Financial Services Commission of Ontario, but they are otherwise at the discretion of each insurer. For the consumer, this means no two companies charge the same price for similar policies. While often premiums may be similar, there can be instances that potentially save drivers hundreds of dollars. Comparison shopping pays big dividends in some cases.

Driving in Caledon Ontario

  • Highway 50 and Highway 10 provide the main north-south routes through Caledon. Though considered north-south routes, each has a different compass orientation. Highway 10 runs more to the northwest since it is surveyed based on Mississauga’s Lake Ontario frontage. Highway 50 runs closer to north-south as a transition between Mississauga and Toronto grid orientation. At the southeast of Bolton, 50 turns to parallel Highway 10.
  • Regional Roads 7 and 8, Airport Road as well as, The Gore Road serve as north-south corridors.
  • Mayfield Road, King Street, and Old Church Road run east and west.
  • Highway 10 connects to Highway 410 south of town. The 410 provides access to the 407ETR, 401, and 403 highways.
  • Highway 50 approaches Highway 427 at its southern terminus, near the intersection of the 427 and 407ETR.
  • Regional Road 7 provides direct access to Pearson International Airport.

Road Information for Caledon

Caledon road

  • The Weather Network provides short, medium, and long-range weather forecasts for Caledon and the area.
  • The Town of Caledon maintains information on roads as well as road closures for municipally operated roads.
  • The Ministry of Transportation for Ontario includes road condition information for Caledon in its Peel Region traffic report.
  • Some Caledon residents may find the DriveTest facility at the Zehrs Plaza, 50 Fourth Avenue in Orangeville convenient.

Driving Facts for Caledon

  • Highway 10 developed along the route of the Toronto-Sydenham stagecoach route. Today, Owen Sound represents its northern terminus. In the south, Highway 10 continues as Hurontario Street through Mississauga to Lakeshore Road.
  • In 1937, Highway 10 became the first interchange on The Middle Road, the precursor to today’s Queen Elizabeth Way.
  • Highway 10 is four lanes or wider from its southern terminus to Shelbourne.
  • Number 10 also hosts the Caledon Magnetic Hill illusion, near Escarpment Side Road, southeast of Orangeville.
  • King Street through Bolton, also known as Highway 9, becomes King Road east of Albion Vaughan Road and connects to Highway 400 at the King Road interchange.
  • Highway 50 veers north above Highway 9, continuing to its terminus at Highway 89, west of Alliston, the largest community in New Tecumseh.

Caledon drivers use the car insurance calculator at Ratelab to aid comparison shopping for auto insurance. With over 50 insurance industry partners, Ratelab pinpoints the lowest prices for premiums on policies that best match the consumer’s needs. Try it yourself. Start with your home postal code entered in the box below.

List of Car Insurance Brokers, Agents, and Companies in Caledon

NameStreetCityRegionPostal CodePhone
All-Risks Insurance Brokers Limited2-55 Healey RdCaledonONL7E 5A2289-966-2500
Carberry Thomas Insurance15882 Airport RdCaledon EastONL7C 1K69055842709


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