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As the northernmost community in York Region, Georgina technically belongs to the Greater Toronto Area, but the pace of life east of Cook’s Bay and south of Lake Simcoe couldn’t get more different than the fast pace of life in the city. Less than 50,000 people call the area home. Access to the big city, however, remains simple and convenient. Highway 404 reaches its northern end just south of the township’s southern border. A few kilometers east, Highway 48 — Markham Road south of the township — provides a north/south route that swings east in Sutton, close to the south shore of Lake Simcoe.

While technically a town, Georgina operates as a township, a regional municipality of villages. Keswick, on the shores of Cook’s Bay, hosts the town’s main civic government offices. A 35-year-old male driver living in central Keswick pays just over $1,200 annually for car insurance. This rate is based on a clean driving record and no insurance claims on an 8-year-old 4 door sedan. This rate sits about the middle of the pack for Ontario drivers, though it’s higher than average rates outside the GTA.

How Much Does Car Insurance Cost in Georgina

The average cost of car insurance in Georgina is  $1,411.

Quote DateAverage Georgina Auto Insurance Cost*

*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 Georgina 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 Georgina

In Ontario, car insurance is based on a combination of factors. The precise balance of these factors changes from insurer to insurer. While the government heavily regulates the industry, individual companies remain free to set procedures and prices, as long as these are approved by the Financial Services Commission of Ontario. One of the factors, outside of a driver’s means to control, is the location of their home. Statistical information on accidents and claims in geographical areas contributes to the pool of underwriting data used by insurance companies. Each postal code in the province has its own risk probability. Therefore, the safest driver living in an area with high claims and many accidents will pay more than they would live in other areas with lower statistics. The FSCO permits this pricing variance under auto insurance legislation.

A driver’s personal claims history and driving record are far more influential on insurance premiums. While it may seem that there’s little a driver can do about these after they occur, attention to safe driving habits and commitment to defensive driving over time usually combines with other factors to lower policy costs and reduce the effects of earlier incidents.

Statutory Auto Insurance in Ontario

As with all provinces in Canada, car insurance is mandatory for all vehicles on the road. Each car owner and the car driver are responsible for purchasing or verifying that a vehicle has current insurance coverage. Even the driver who borrows a car for a quick trip to the store may be fined for driving a car without insurance. Since fines can reach $50,000, a quick check with the owner, as well as for a current pink slip in the vehicle, is prudent.

The mandatory auto insurance policy provides modest protection only. Most motorists prefer to purchase coverage beyond that required by legislation. For example, the government requires third-party liability coverage in the amount of $200,000 as part of the basic plan. Settlements for serious accidents can easily exceed this amount. A driver with minimum coverage remains responsible for settlements beyond the insurer’s portion. Since this could lead to significant financial hardship, liability upgrades to $1 million or $2 million are popular.

A new upgrade is proving practical in the wake of changes to accident benefits coverage in 2016. In certain cases, an insurer’s responsibility for payments after an accident is cut in half, from a maximum of $2 million to $1 million for after-accident healthcare. While in many cases this coverage remains adequate, there are incidents reported in the media indicating exceptions arise. Topping up accident benefits to previous levels now requires an additional purchase.

Driving in Georgina

  • Highway 48 extends from Highway 401 in the south to Highway 12 in Cannington east of Georgina.
  • Highway 404 connects to the Don Valley Parkway at the 401 and continues north until ending at Woodbine Avenue, County Road 8, just south of Ravenshoe Road.
  • County Road 12 continues south as Leslie Street, into the heart of the GTA, as do Woodbine, Warden, and McCowan.
  • Given the distance from Toronto itself, Georgina is largely free of significant congestion, though commuters experience heavy GTA volumes south of the town.
  • Summer vacation traffic may create tie-ups through the region, particularly on Fridays and Sundays. July 1, August Civic Holiday, and Labour Day may also experience heavy volumes.

Road Information for Georgina

road traffic report

  • The Ministry of Transportation for Ontario provides information for travelers through a series of web pages and interactive maps. Information for Georgina may be found on both the York Region and Simcoe traffic reports.
  • The Georgina municipal government maintains a website that includes disruptions and closures in the region, including roadwork and other construction.
  • Short and long-term weather reports for the area are provided by The Weather Network, both online and through local cable broadcasts.

Driving Facts for Georgina

  • The original development of Highway 404, to Davis Drive in Newmarket, finished in 1989. Extensions and refinements continued for another 15 km north to its current terminus. Future plans call for extending the highway around the east side of Lake Simcoe to Beaverton.
  • The 404 is one of several 400 series highways with high occupancy vehicle (HOV) lanes. Users of these lanes require a minimum number of occupants or run the risk of fines. While this number is usually two — the driver and one passenger — this may change as it did during the Pan Am Games, when minimum occupancy was three, including the driver.
  • Highway 48 covers most of the route of the old Scarborough and Markham Plank Road. Both north and south sections of the highway are transferred to municipal control. The provincially operated section extends from Highway 12 in Beaverton to Major Mackenzie Drive in Markham.

Georgina residents can use the car insurance calculator here at Ratelab to locate affordable coverage. The process is easy. Simply enter your home postal code in the space provided below and enter basic information about your car insurance needs. Ratelab shops your case with dozens of industry partners to find the best match at the best price.

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