Car insurance Caledon, ON

Part of a series on car insurance rates in Ontario.

Fast facts about auto insurance in Caledon

Average annual car insurance rate

Regular drivers in the city

Collisions per year (approximately)


Collision rate for the city

Average age

Average household income


Unemployment rate


Understanding car insurance in Caledon, Ontario

Caledon is one of the safest places to live in Ontario, if not all of Canada. Framed by Highway 9 to the north, Erin to the west, and Brampton to the south, it sits comfortably outside the usual hustle and bustle of the Greater Toronto Area.

This does wonders for the town’s average car insurance rate, since about 59.4% of the work force doesn’t have to commute all that far. Most people don’t have to commute more than 45 minutes, which helps to reduce the average driver’s exposure to risk on the road (moderately lowering insurance rates).

Residents sometimes worry that their rates will be high because they’ve heard about high rates in Brampton, yet the town actually has a very manageable average rate. The town also has a significant self-employed demographic, which is an opportunity for people to work from home and reduce their exposure to road risk even further.

The absence of a major 400-series highway also helps to keep congestion, fender benders, and collisions under control. The collision rate for daily drivers is already pretty high, making it a helpful bonus for everyone’s cr insurance rates.

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Want even cheaper insurance? Save up to 50% on home and up to 18% on car insurance when you bundle them.

Busting myths about driving and insurance in Caledon

Myth: You’ll need to commute long distances to work from Caledon.

This isn’t necessarily true for the majority of the town’s workforce—and that could be good for your car insurance rates. Only 40.6% of Caledon’s workforce has to commute outside the municipality (region). That leaves 59.4% to close by or inside the town itself. The shorter your annual commuting distance, the lower yoru car insurance rates are likely to be.

Myth: Caledon’s proximity to Brampton raises car insurance rates.

Actually, we’ve found that this just a pure myth, and you can see it in the average rates by city. Caledon’s average car insurance rate sits approximately $1,200 lower per year than Brampton’s rate. It’s still up to insurers themselves to do the actuarial science, underwriting, and to set the rates, but this is what the averages tell us.

Myth: Caledon is the best place to live in Canada.

While Caledon ranked quite high in previous city rankings hosted by MoneySense.ca, the website added 200 communities that knocked Caledon down into the 40s (that and rising house prices). It’s still a great place to live, and it’s incredibly safe. The town had a crime severity index of only 27.05 in the 2016 census. Even Ottawa scored 51.3, for comparison.

Myth: Caledon is isolated from the GTA without a 400-series highway.

Caledon isn’t isolated, as evidenced by the 40.6% of workers who leave the town and region every day. It’s connected through Highway 9, 10, and 24. You can commute to Vaughan, Richmond Hill, North York, Brampton, York, and (if you’re feeling ambitious) even Guelph.  The lack of 400 highways in the immediate area does help minimize fender benders, though.

How Caledon’s rates compare to other cities in Ontario

  • North York: $4,261
  • Etobicoke: $4,199
  • Brampton: $4,071
  • Scarborough: $3,825
  • East York: $3,605
  • Woodbridge: $3,603
  • Richmond Hill: $3,579
  • Mississauga: $3,473
  • Markham: $3,389
  • Niagara Falls: $3,321
  • Bowmanville: $3,308
  • Peterborough: $3,259
  • Pickering: $ 3,245
  • Newmarket: $ 3,216
  • Hamilton: $3,201
  • Brantford: $ 3,158
  • Maple: $3,150
  • Whitby: $3,087
  • Ajax: $3,053
  • York: $2,999
  • Toronto: $2,983
  • Barrie: $2,924
  • Thornhill: $2,871
  • Waterloo: $2,867
  • Caledon: $2,780
  • London: $2,765
  • Fort Erie: $2,720
  • Oakville: $2,720
  • Sault Ste Marie: $ 2,713
  • Kitchener: $2,705
  • Milton: $2,680
  • St Catharines: $ 2,550
  • Windsor: $2,536
  • Woodstock: $2,513
  • Innisfil: $2,505
  • Burlington: $2,476
  • Kingston: $ 2,360
  • Cambridge: $2,297
  • Oshawa: $2,295
  • Guelph: $2,268
  • Gloucester: $2,256
  • Stoney Creek: $2,222
  • Nepean: $2,196
  • Ottawa: $2,195
  • Sudbury: $2,005
  • Kanata: $2,002
  • Thunder Bay: $1,973
  • Wasaga Beach: $1,958

Quick tips on driving and insurance in Caledon

Commuting will raise your car insurance premiums, but not by too much.

Caledon sits on the edge of the GTA but manages to keep a lower average car insurance rate than most other cities in the Golden Horseshoe. Part of the reason for that is the fact that around 40.6% of the workforce commutes outside of the municipality, while 59.2% either work inside the town or commute within the municipality.

Try cycling if you work inside of Caledon itself.

About 23% of Caledon’s workforce actually works inside of the town, yet only 0.1% of the workforce rides a bicycle to work, according to Statistics Canada. Riding a bicycle for the summer, autumn, and part of the spring could eliminate a subtantial amount of annual kilometres driven, bringing down your car insurance rate in the process.

Leave for work earlier or later to avoid rush-hour fender benders and collisions.

7:00-8:00 AM is the busiest time to commute to work if you live in Caledon, with 27.5% of the workforce using that time slot to depart. If you leave a bit before that or 8:00 AM (if possible), then you can drive with traffic that’s about 30% lighter. The vast majority of commuters only drive 30-44 minutes to work, so it’s possible this could work for you.

Self-employed? Work from home as much as possible and update your policy.

14.5% of Caledon’s workforce is self-employed. Part of that group represents tradespeople that need to drive to and from work sites, but it also includes consultants, executives, and freelancers who can work from home on a regular basis. If that’s you, be sure to recalculate how many kilomtres you drive to work every year and update it your policy. It could lower your car insurance rate.

Sources for fast facts about Caledon:

  • Statistics Canada, Caledon 2016 Census Profile
  • Ministry of Transportation, 2016 Road Safety Report
  • Statistics Canada, Crime Severity Index, 2016 Census
  • Statistics Canada, Crime Severity Index for Caledon, 2014-2018
  • MoneySense.ca, “Canada’s Best Places to Live in 2018: Full Ranking”

Source for average insurance rates by city:

  • Survey of 2,800 auto insurance policy holders in Ontario

Google Rating: 4.8

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