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Things to Know Before Getting Georgina Car Insurance
If you’re looking to get car insurance in Georgina, Ontario, there are a few things you should know.
- Mandatory Coverage: In Ontario, all drivers are required to have mandatory auto insurance coverage, which includes third-party liability coverage, accident benefits coverage, direct compensation property damage coverage, and uninsured automobile coverage.
- Additional Coverage: In addition to the mandatory coverage, you may want to consider additional coverage such as collision coverage, comprehensive coverage, and optional coverage for things like rental cars, roadside assistance, and increased liability limits.
- Discounts: There are several discounts available for car insurance in Georgina, including discounts for good driving, multiple cars, bundling home and auto insurance, and being a member of certain organizations.
- Premiums: Your car insurance premiums will depend on a number of factors, including your age, driving experience, type of car, and driving record. It’s important to shop around and compare rates from different insurance companies to ensure you’re getting the best deal.
- Insurance Companies: There are several insurance companies that offer car insurance in Georgina, including Allstate, Aviva, Desjardins, Intact, and State Farm. It’s important to research each company and compare their rates and coverage options before choosing a policy.
- Winter Driving: Georgina experiences harsh winter weather, so it’s important to ensure your car is equipped with winter tires and to drive cautiously in icy and snowy conditions. Some insurance companies offer discounts for drivers who use winter tires.
- Claims Process: If you’re involved in a car accident, it’s important to know how to file a claim with your insurance company. Be sure to keep detailed records of the accident, including photos, witness statements, and police reports, and report the accident to your insurance company as soon as possible.
What is the Average Car Insurance Cost in Georgina?
The average annual car insurance premium in Georgina, is $1,213.
The estimated monthly car insurance costs range for different driver profiles in Georgina (note that these are estimated monthly costs and may vary depending on the insurance company and other factors):
| Driver Profile | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| G1 Driver | $111 – $314 | $139 – $394 | $158 – $448 |
| G2 Driver | $81 – $229 | $102 – $289 | $116 – $328 |
| G | $67 – $190 | $84 – $238 | $96 – $272 |
| Teenage Driver | $272 – $768 | $341 – $965 | $388 – $1,099 |
| Young Driver | $153 – $433 | $192 – $544 | $219 – $619 |
| High-risk Driver | $334 – $944 | $418 – $1,184 | $476 – $1,347 |
| Occasional Driver | $61 – $173 | $77 – $218 | $88 – $250 |
| Pleasure | $59 – $167 | $74 – $210 | $84 – $238 |
| Commuting | $88 – $249 | $110 – $312 | $125 – $354 |
| Good driver | $53 – $150 | $66 – $186 | $75 – $212 |
| Bad driver | $220 – $621 | $275 – $778 | $313 – $886 |
| New Driver | $203 – $574 | $254 – $720 | $290 – $822 |
| Secondary Driver | $56 – $158 | $70 – $199 | $80 – $226 |
| 17 Years Old | $239 – $676 | $299 – $846 | $341 – $967 |
| Seniors | $50 – $142 | $63 – $178 | $72 – $205 |
| Over 55 Years Old | $48 – $136 | $61 – $173 | $70 – $198 |
| Students | $138 – $390 | $173 – $491 | $197 – $558 |
| International Driver | $218 – $617 | $273 – $773 | $311 – $881 |
| Newcomers | $245 – $693 | $306 – $867 | $349 – $988 |
| Men Driver | $70 – $198 | $88 – $249 | $100 – $284 |
| Women Driver | $61 – $173 | $77 – $218 | $88 – $250 |
| Married Couples | $47 – $133 | $59 – $167 | $68 – $193 |
| Usage-Based | $82 – $232 | $103 – $292 | $117 – $332 |
| Uber/Lyft | $219 – $618 | $274 – $776 | $312 – $884 |
| Personal use | $67 – $189 | $85 – $240 | $97 – $275 |
| Business use | $88 – $249 | $110 – $312 | $125 – $354 |
| Commercial use | $345 – $975 | $432 – $1,223 | $492 – $1,392 |
The estimated monthly car insurance costs range for different types of cars in Georgina:
| Type of Car | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| Sedan | $50 – $142 | $63 – $178 | $72 – $205 |
| Convertible | $102 – $288 | $128 – $362 | $146 – $413 |
| Hatchback | $54 – $153 | $68 – $192 | $78 – $221 |
| Wagon | $55 – $155 | $69 – $195 | $79 – $223 |
| Coupe | $77 – $217 | $96 – $272 | $109 – $309 |
| SUV | $72 – $203 | $90 – $255 | $103 – $292 |
| Truck | $59 – $167 | $74 – $210 | $84 – $238 |
| Minivans | $66 – $187 | $83 – $235 | $94 – $267 |
| Van | $75 – $212 | $94 – $266 | $107 – $304 |
| Electric Car | $81 – $228 | $102 – $288 | $116 – $329 |
| Hybrid Car | $66 – $187 | $83 – $235 | $94 – $267 |
| Multi Car | $54 – $153 | $68 – $192 | $78 – $221 |
| Exotic Car | $204 – $577 | $255 – $722 | $291 – $824 |
| Luxury Car | $109 – $308 | $137 – $388 | $156 – $441 |
| Classic Car | $86 – $243 | $108 – $306 | $123 – $348 |
| Vintage car | $99 – $280 | $124 – $352 | $141 – $400 |
| Sports Car | $119 – $336 | $149 – $422 | $170 – $482 |
| Leased cars | $63 – $177 | $79 – $223 | $90 – $256 |
| 2 Door | $72 – $203 | $90 – $255 | $103 – $292 |
The estimated monthly car insurance costs range in Georgina for a driver profile of age 35, married, based on the driving history would be as follows:
| Driving History | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| 1 one at-fault accident | $112 – $316 | $140 – $395 | $160 – $454 |
| 2 one at-fault accident | $183 – $516 | $229 – $648 | $261 – $739 |
| 1 non-fault accident | $50 – $142 | $63 – $178 | $72 – $205 |
| DUI conviction | $305 – $861 | $382 – $1,079 | $435 – $1,231 |
| 1 Speeding Ticket | $54 – $153 | $68 – $192 | $78 – $221 |
| 2 Speeding Tickets | $84 – $237 | $106 – $299 | $121 – $343 |
How Does Georgina’s Average Car Insurance Cost Compare to Other Cities?
Here are some examples of how Georgina’s average car insurance cost compares to other cities in the province:
- Toronto: Toronto is one of the most expensive cities for car insurance in Ontario, with an average annual premium of around $2,370 in 2020, according to the Insurance Bureau of Canada.
- Ottawa: The average annual car insurance premium in Ottawa was around $1,263 in 2020, making it somewhat more affordable than Georgina.
- Hamilton: Hamilton’s average car insurance cost was around $1,478 in 2020, which is slightly higher than Georgina’s average.
- Barrie: Barrie’s average annual car insurance premium was around $1,483 in 2020, which is comparable to the cost of car insurance in Georgina.
- Kingston: The average annual car insurance premium in Kingston was around $1,179 in 2020, making it one of the more affordable cities for car insurance in Ontario.
Which Cars Have the Cheapest Car Insurance in Georgina?
Here are some examples of cars that may have lower car insurance rates in Georgina, along with the average annual rate:
- Honda Civic – $1,236: The Honda Civic is a popular car in Canada, and its reliability and safety features make it a good choice for those looking for affordable car insurance.
- Toyota Corolla – $1,270: The Toyota Corolla is another popular car in Canada, and its low cost of ownership and fuel efficiency make it a popular choice for those seeking affordable car insurance rates.
- Mazda3 – $1,298: The Mazda3 is a stylish and sporty car that is known for its reliability and fuel efficiency, making it a good choice for those looking for affordable car insurance.
- Hyundai Elantra – $1,226: The Hyundai Elantra is a practical and reliable car that is known for its low cost of ownership, making it a good choice for those seeking affordable car insurance rates.
- Ford Escape – $1,268: The Ford Escape is a popular SUV that is known for its safety features and versatility, and its relatively affordable car insurance rates make it a good choice for families and those with more cargo needs.
How to Get the Cheapest Car Insurance in Georgina?
If you’re looking to get the cheapest car insurance in Georgina, there are several things you can do:
- Shop around: One of the most effective ways to get the cheapest car insurance in Georgina is to shop around and compare quotes from multiple insurance providers. This will give you a better sense of the rates and coverage options available to you, and help you find the best deal.
- Choose the right coverage: It’s important to choose the coverage you need, but also avoid paying for coverage you don’t need. For example, if you have an older car that’s paid off, you may not need collision or comprehensive coverage, which can be more expensive. Additionally, consider increasing your deductible to lower your premium.
- Consider discounts: There are several discounts available that can help lower your car insurance rates in Georgina. For example, you may be eligible for discounts for being a safe driver, having multiple vehicles, bundling home and auto insurance, or being a member of certain organizations.
- Maintain a clean driving record: Your driving record has a big impact on your car insurance rates. By driving safely and avoiding accidents and traffic violations, you can qualify for lower rates over time.
- Use winter tires: Georgina experiences harsh winter weather, and using winter tires can help you qualify for discounts on your car insurance rates.
- Ask about group rates: Some insurance companies offer group rates for members of certain organizations, such as alumni associations or professional organizations. It’s worth checking with your insurer to see if you qualify for any group rates.
Georgina Car Insurance Facts
Here are some car insurance facts that are specific to Georgina, Ontario:
- Georgina has a relatively low population density compared to other cities in Ontario. This means that car insurance rates in Georgina may be lower than in more densely populated areas, as there may be fewer accidents and claims.
- Winter driving conditions in Georgina can be challenging, with heavy snowfall and icy roads. As a result, many insurance companies offer discounts for drivers who use winter tires, which can help improve safety on the roads.
- Georgina is home to many rural and suburban areas, which can have lower traffic volumes and fewer accidents than urban areas. This may help keep car insurance rates lower in some parts of Georgina.
- However, Georgina also has several major highways running through the area, including Highway 48 and Highway 404, which can lead to more accidents and claims. As a result, car insurance rates in areas close to these highways may be higher.
- The cost of car insurance in Georgina can vary significantly depending on factors such as your age, driving record, type of vehicle, and the coverage you choose. It’s important to shop around and compare quotes from multiple insurance companies to find the best rate for your needs.
- Some insurance companies offer discounts to drivers who take defensive driving courses or complete other driver training programs. It’s worth checking with your insurer to see if you’re eligible for any discounts based on your driving habits or training.
List of Best Car Insurance Companies in Georgina
Here are some of the best car insurance companies in Georgina, Ontario, along with a brief description of each company, bullet point reviews from various sources, and their star ratings:
- Allstate Insurance Canada: Allstate is a well-known insurance provider that offers a range of car insurance products to Georgina residents. They offer discounts for safe driving, bundling policies, and using winter tires.
- Reviews:
- Good customer service
- Easy to use online portal
- Competitive rates
- Star rating: 4.1/5 (Google)
- Desjardins Insurance: Desjardins is a Canadian insurance provider that offers car insurance coverage to Georgina residents. They offer a range of discounts, including safe driving, bundling policies, and loyalty discounts.
- Reviews:
- Friendly and helpful staff
- Good coverage options
- Easy claims process
- Star rating: 4.6/5 (Google)
- State Farm Insurance: State Farm is a popular car insurance provider in Canada that offers coverage to Georgina residents. They offer a range of discounts, including safe driving, multiple vehicles, and bundling policies.
- Reviews:
- Good customer service
- Competitive rates
- Fast claims processing
- Star rating: 4.0/5 (Google)
- Intact Insurance: Intact is a leading insurance provider in Canada that offers car insurance coverage to Georgina residents. They offer a range of discounts, including safe driving, bundling policies, and loyalty discounts.
- Reviews:
- Good customer service
- Competitive rates
- Fast claims processing
- Star rating: 4.4/5 (Google)
- Aviva Canada: Aviva is a popular car insurance provider in Canada that offers coverage to Georgina residents. They offer a range of discounts, including safe driving, multiple vehicles, and bundling policies.
- Reviews:
- Good customer service
- Competitive rates
- Comprehensive coverage options
- Star rating: 4.0/5 (Google)
List of Best Car Insurance Brokers in Georgina
Here are some of the best independent car insurance brokers in Georgina, Ontario, along with a brief description of each company, bullet point reviews from various sources, and their star ratings:
- Alex Romanovich Insurance Brokers: Alex Romanovich Insurance Brokers is an independent insurance brokerage that specializes in providing car insurance to Georgina residents. They work with a variety of insurance providers to find the best rates and coverage options for their clients.
- Reviews:
- Good customer service
- Competitive rates
- Responsive and helpful staff
- Star rating: 5.0/5 (Google)
- McDougall Insurance & Financial: McDougall Insurance & Financial is an independent insurance brokerage with several locations in Ontario, including Georgina. They work with a variety of insurance providers to offer car insurance coverage to their clients.
- Reviews:
- Friendly and helpful staff
- Competitive rates
- Comprehensive coverage options
- Star rating: 4.6/5 (Google)
- Beck Insurance Brokerage Inc.: Beck Insurance Brokerage Inc. is an independent insurance brokerage that specializes in providing car insurance to Georgina residents. They work with a variety of insurance providers to find the best rates and coverage options for their clients.
- Reviews:
- Good customer service
- Competitive rates
- Responsive and helpful staff
- Star rating: 4.9/5 (Google)
- Pearson Insurance: Pearson Insurance is an independent insurance brokerage that offers a variety of insurance products, including car insurance, to Georgina residents. They work with a variety of insurance providers to find the best rates and coverage options for their clients.
- Reviews:
- Friendly and helpful staff
- Good coverage options
- Competitive rates
- Star rating: 4.8/5 (Google)
- Duliban Insurance Brokers: Duliban Insurance Brokers is an independent insurance brokerage with several locations in Ontario, including Georgina. They work with a variety of insurance providers to offer car insurance coverage to their clients.
- Reviews:
- Good customer service
- Competitive rates
- Responsive and helpful staff
- Star rating: 4.4/5 (Google)
It’s important to note that these are just a few examples of independent car insurance brokers in Georgina, and there may be other providers that offer good rates and coverage options. When choosing a car insurance broker, it’s important to compare quotes and read reviews to find the provider that best meets your needs.
Tips for Drivers in Georgina
Here are some tips for drivers in Georgina, Ontario to help ensure safe and smooth driving:
- Be prepared for winter driving conditions: Georgina experiences harsh winter weather, with heavy snowfall and icy roads. Be sure to equip your vehicle with winter tires, and drive cautiously in snowy and icy conditions.
- Watch for wildlife: Georgina is home to several wildlife species, including deer, moose, and coyotes, which can pose a hazard to drivers. Be especially cautious when driving in rural or wooded areas.
- Plan for heavy traffic during the summer months: Georgina is a popular summer destination, and as a result, the roads can be quite busy during the summer months. Plan for extra time when traveling and be patient on the roads.
- Be aware of speed limits: Georgina has several speed limits in place on its roads and highways, and it’s important to be aware of these and follow them to ensure safe driving.
- Drive defensively: Georgina’s roads can be busy and unpredictable, so it’s important to drive defensively and be aware of other drivers on the road.
- Avoid distracted driving: Distracted driving, including texting or using a phone while driving, can lead to accidents and is illegal in Ontario. Be sure to avoid any distractions while behind the wheel.
- Keep your vehicle maintained: Regular vehicle maintenance, including oil changes and tire rotations, can help ensure safe and smooth driving on Georgina’s roads.
What are the Most Dangerous Intersections in Georgina?
According to the York Regional Police’s annual collision report, here are some of the most dangerous intersections in Georgina based on the number of collisions reported in 2020:
- Highway 48 and Ravenshoe Road: There were a total of 10 collisions reported at this intersection in 2020.
- Highway 48 and Old Homestead Road: There were a total of 8 collisions reported at this intersection in 2020.
- Dalton Road and Baseline Road: There were a total of 7 collisions reported at this intersection in 2020.
- The Queensway South and Baseline Road: There were a total of 6 collisions reported at this intersection in 2020.
- Woodbine Avenue and Baseline Road: There were a total of 5 collisions reported at this intersection in 2020.
Total Reportable Collisions in Georgina
According to the annual collision reports from York Regional Police, here are the total number of reportable collisions in Georgina for the years 2013 to 2021:
- 2013: 639
- 2014: 571
- 2015: 623
- 2016: 671
- 2017: 635
- 2018: 639
- 2019: 589
- 2020: 558
- 2021: Data is not yet available as the year has not ended.
About the Author: Valerie D. Hahn
Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.
