How Does Car Insurance Work in Midland?
Car insurance is mandatory in Ontario, but it’s important to understand the factors that influence your insurance premium and the types of coverage you should consider.
Below is a breakdown of what’s included in your car insurance package in Midland when you get a quote with MyChoice, categorized by mandatory and highly recommended coverages. Together, the mandatory and recommended coverage premiums reflect the average car insurance cost in Midland referenced above.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability – Accident Benefits – Uninsured Automobile | $726 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $902 |
| Coverage Total: | $1,628 |
Mandatory Coverages
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Third-Party Liability | Protects you if you injure someone or damage property while driving, and covers legal costs if you’re sued | $227 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault | $486 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage | $13 |
| Coverage Total: | $726 |
*The above coverages are mandatory in Midland and will always be included in a standard car insurance quote.
Highly Recommended Coverages
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Direct Compensation: Property Damage | Covers damage to your own vehicle if you’re not at fault in an accident with another insured driver in Ontario. | $400 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $244 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $175 |
| OPCF 20: Loss of Use | Pays for rental or other transportation if your car is out of service after an at-fault accident or comprehensive claim. | $20 |
| OPCF 27: Rental Vehicle | Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them. | $21 |
| OPCF 44R: Family Protection | Covers you and your family if you’re hit by an uninsured, underinsured, or hit-and-run driver and their coverage isn’t enough. | $16 |
| OPCF 39: Accident Forgiveness | Prevents your insurance premiums from increasing after your first at-fault accident, as long as you stay with the same insurer. | $24 |
| OPCF 43: Waiver of Depreciacion | Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off. | $2 |
| Coverage Total: | $902 |
*Any of the above highly recommended coverages in Midland may be removed from your quote, but we strongly recommend keeping them to have adequate protection.
How Midland Car Insurance Rates Compare to Nearby Cities
Midland’s car insurance rates sit below the Ontario average. See how they stack up against some nearby cities:
| City | Average Annual Car Insurance Premium |
|---|---|
| Midland, ON | $1,628 |
| Orillia, ON | $1,672 |
| Barrie, ON | $1,915 |
| Collingwood, ON | $1,778 |
| Bradford, ON | $1,871 |
| Newmarket, ON | $2,066 |
Car Insurance Cost in Midland by Age
Age is a major driving factor in whether you can expect higher insurance premiums. Generally, the idea is that older drivers have more experience and are thus more likely to be responsible and capable of avoiding accidents.
Drivers under the age of 25 can expect higher insurance premiums, while those in their 50s and 60s can expect the lowest insurance rates. However, once you reach a certain age, your premium rates start to rise again – usually when you reach the age of 65 or become a senior citizen.
Based on studies, 75-year-old male drivers pay 21% more for auto insurance than 55-year-old male drivers. This is because as people get older, they go through physical changes that can affect their driving ability, such as changes in vision, attention, fitness, and reaction time.
Take a look at how much car insurance costs can vary by age in Midland:
| Age | Average Annual Car Insurance Premium | Average Savings with MyChoice |
|---|---|---|
| 18–20 | $4,672 | $929 |
| 21–24 | $2,409 | $479 |
| 25–34 | $1,856 | $369 |
| 35–44 | $1,628 | $324 |
| 45–54 | $1,384 | $275 |
| 55–64 | $1,286 | $256 |
| 65+ | $1,319 | $262 |
Car Insurance Cost in Midland by Driving History
Take a look below at how car insurance quotes vary by violation in Midland:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,628 |
| Insurance cancellation due to non-payment | $2,263 |
| Licence suspension for alcohol-related offences | $1,709 |
| One at-fault accident | $3,191 |
| Minor speeding ticket | $1,970 |
All estimated rates are based on a 35-year-old female driving a 2018 Honda Civic four-door.
Your driving record plays a major role in determining the cost of your insurance premiums. Insurance companies will usually request the following:
- Demerit point total
- Any convictions, suspensions, and reinstatements under the Highway Traffic Act and Criminal Code of Canada
- Records of collisions
- Any driver’s license replacements/renewals
A clean driving record will help you get lower premiums, while a record laden with violations will get you tagged as a high-risk driver and cause insurance companies to charge you more.
In Ontario, driving violations remain on your record for two years, but they can affect your premium rates for far longer.
Car Insurance Cost in Midland by Vehicle Model
Below is a breakdown of the estimated insurance costs for various car models in Midland. This should give you an idea of what you can expect to pay for car insurance based on the vehicle model you drive.
| Car Model | Average Annual Car Insurance Premium |
|---|---|
| Volkswagen | $1,498 |
| Honda | $1,494 |
| Subaru | $1,679 |
| Toyota | $1,714 |
| BMW | $1,895 |
| Hyundai | $1,642 |
| Audi | $2,024 |
| Mazda | $1,518 |
| Mercedes | $1,613 |
| Honda | $1,494 |
| Nissan | $1,650 |
The Best Car Insurance Brokerages in Midland
Car insurance brokers help you choose the right auto insurance policy by answering your questions and comparing policy offers.
Here are several brokers in Midland that you can contact for extra assistance when seeking car insurance:
| Brokerage | Address | Phone number |
|---|---|---|
| McDougall Insurance & Financial – Midland | 472 Hugel Ave, Midland, ON L4R 1V6, Canada | +17055276465 |
| BrokerLink | 354 King St, Midland, ON L4R 3M8, Canada | +17055265414 |
| Todd Lalonde Desjardins Insurance Agent | 547 Bay St, Midland, ON L4R 1L4, Canada | +17055268333 |
| Swick Bauman & Associates Insurance Brokers Ltd | 341 King St, Midland, ON L4R 3M7, Canada | +17055265414 |
Driving in Midland
Midland is a little town, which means traffic might not be as bad as other places in Ontario. Nevertheless, it’s a good idea to learn more about the town if you’re planning to drive there. Here are some key facts about driving in Midland you should know:
- Major highways in Midland: 12
- Public transit options: Simcoe County LINX (bus)
- Ridesharing services: Uber, SuperShuttle
- Parking space providers: The Town of Midland, private lots
- Top tourist attractions: Sainte-Marie Among the Hurons, Wye Marsh Wildlife Centre, Martyrs’ Shrine
- Busy intersections: County Road 93 and Yonge Street, County Road 93 and Vindin Street, First Street and Bay Street
- Airports: Midland/Huronia Airport
Main Mode of Commuting in Midland
Midland is a small town, which means commute times are usually short. Here’s a detailed look at the commuter data in Midland:
- Average commute distance: The average Midland resident travels x km to their workplace or school.
- Commute duration: Most (58.7%) Midland residents take under 15 minutes to get to work. The second-largest portion (16.5%) of Midland residents take between 15 to 29 minutes to get to work.
- Main mode of commuting: With an 87.7% share, personal vehicles like cars and trucks are the most popular commuting method in Midland. Walking is the second-most popular commuting method with a 7.9% share, perhaps due to the town’s small size.
Driving Conditions in Midland
Various weather and driving conditions like snow and rain can affect your auto insurance premiums. Here’s an overview of driving conditions in Midland:
- Average annual rainfall: 88 mm
- Average annual snowfall: 105 mm
- Rainy days per year: 122
- Rainiest month in Midland: June and October
- Driest months in Midland: February
- Snow days per year: 122
- Snowfall months in Midland: October-April
Traffic in Midland
Midland is well-known as the economic centre of the Huronia/Wendat region, and boasts a large hospital as well as an airport. It’s also a popular tourist destination, with over 8,000 cottages and resorts.
Here’s a quick look at the key traffic statistics in Midland:
- Population: 16,864 people live within Midland’s city limits.
- City area: Midland’s city area spans 35.34 km2.
- Busiest highways: Highway 12 runs between the eastern end of the Greater Toronto Area and Highway 93 passes through Midland.
Commonly Asked Questions About Car Insurance in Midland
How much does Midland car insurance cost?
Midland car insurance costs $1,561/year.
Why should you compare car insurance rates in Midland?
You should compare car insurance rates in Midland because different insurers provide different coverage at different prices. Comparing rates help you choose which policy has the best value.
What information do you need for an auto insurance quote in Midland?
You need to provide basic personal details and vehicle information like production year, make, and model to get a basic auto insurance quote. You can get more accurate quotes by disclosing extra information, like your driving record and past traffic violations.
How can you get cheaper car insurance in Midland?
Compare car insurance rates in Midland with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.