Car insurance Innisfil, ON

Part of a series on car insurance rates in Ontario.

Fast facts about auto insurance in Innisfil

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 Innisfil, Ontario

Sitting just south of Barrie on the shore of Lake Simcoe, Innisfil has grown substantially in the last few years. It’s now a growing hub for commuters driving into Toronto for work as well as a quiet town to get away from the hustle and bustle of city life.

Thankfully, Innisfil keeps a low average car insurance rate compared to the rest of Ontario.

Chances are good that you enjoy some of the same advantages, but price is relative to your coverage and your commuting method. Working from home for 1-2 days per week can have a positive impact on your auto rates because it reduces the amount of risk you’re exposed to on the road every year. Simiarly, commuting via train could cut down your vehicle use to “recreational” instead of “for work.”

This is everything you need to know about car insurance and driving in Innisfil.

Get your bundle on & save!

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

Get your bundle on & save!

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 Innisfil

Myth: Innisfil’s roads aren’t kept in great shape, especially in winter.

Innisfil isn’t known for poor roads, but it certainly faces the challenge of maintaining a lot of side roads with a commuter population that drives outside of the downtown core. Severe winters have hit Innisfil’s road maintenance pretty hard in the last 6-7 years, stretching the town’s budget beyond normal.

Myth: Innisfil is safer than Barrie.

This one is true! Innisfil and Bradford (as part of South Simcoe) had a crime severity index of 27 for 2018, which is incredibly low (even for Ontario’s safer communities). By comparison, Barrie’s crime severity index was 57 in the same year.Barrie is still quite a safe place to live, too (some cities score in the 200 and 300 range). Your auto rates could see a positive impact!

Myth: Your neighbourhood doesn’t have an effect on your car insurance rate.

Higher rates of reported crimes and claims can have a negative impact on auto insurance rates for everybody in the neighbourhood. You can’t always change where you live, but you should revisit your auto rate if you’re considering moving to a neighbourhood with a top-notch reputation, like Stroud.

Myth: Innisfil is isolated and you need a car to get anywhere.

Innisfil is actually better connected than most people think. It’s south of Barrie, meaning that it’s actually an ideal community for commuters heading into Toronto. The town has also begun a ridesharing program in partnership with Uber to help people get around town without cars of their own.

How Innisfil’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 insurance and driving in Innisfil

Invest in snow tires, because you’ll probably commute during winter.

Even Barrie has a heavy southbound commuter population, and Innisfil is closer to Toronto than that. 44% of Innisfil’s workforce commutes outside of the region, but still within Ontario. The next 38% commutes outside of Innisfil itself, but within the region. There’s a good chance you’ll be spending time in the car, making winter tires a solid investment for your safety and your car insurance rates.

Avoid Innisfil’s worst intersections, prevent collisions, and protect your auto rate.

Collisions can hurt you and your auto rates. Avoid Innisfil’s most dangerous intersections to reduce your odds of being involved in one:

  • Lockhart Road and 20th Sideroad
  • Innisfil Beach Road and Sideroad 10
  • Yonge Street and Innisfil Beach Road

Get comprehensive auto coverage if you live in Innisfil.

Innisfil sits right on Lake Simcoe, making storms and flooding an occasional reality for residents (as recently as January 2020). That means there’s a chance your car could sustain water damage from overland flooding.

It’s important because water damage can ruin cars. Manufacturers do what they can, but you do not want water getting into a combustion engine.

That’s where comprehensive coverage could be a shrewd decision for new and luxury cars. It would cover the cost of repairs or replacement in the event of overland flooding.

As long as you weren’t neglecting to care for your car when water damage occurs, you should have no trouble.

It may also be worth looking into coverage for overland flooding damage on your residence, as well. Not every insurance company offers it in every area, but it could go a long way toward protecting your home.

Sources for fast facts about Innisfil:

  • Statistics Canada, Innisfil 2016 Census Profile
  • Ministry of Transportation, 2016 Road Safety Report
  • Simcoe.com, “Worst roads list released in Barrie, Innisfil”
  • Simcoe.com, “IBR and Sideroad 10 worst intersection”
  • Simcoe.com, “Tough winter creates crisis for Innisfil roads budget”
  • Global News, “Innisfil, Ont. deals with clean-up from weekend flooding”
  • Meaclean’s, “Canada’s most dangerous places 2019”
  • Barrie Today, “Bradford, Innisfil jointly ranked 10th safest place in Canada”
  • Simcoe.com, “Innisfil Neighbourhoods”

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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