Car insurance Wasaga Beach, ON.

Part of a series on car insurance rates in Ontario.

Fast facts about auto insurance in Wasaga Beach

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 Wasaga Beach, Ontario

Tucked away north of Toronto and west of Barrie, Wasaga Beach has been one of Ontario’s tourist gems for decades. It boasts a wonderfully low average car insurance rate, making it an affordable and safe place to live.

The town has a medium rate of collisions, but most of them aren’t high-speed highway collisions. Fewer people commute far distances than elsewhere in Ontario, and if collisions do happen, damages aren’t as severe.

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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 Wasaga Beach

Myth: Living in Wasaga Beach means you’ll have to commute for work.

Not necessarily. According to Statistics Canada, 28.9% of Wasaga Beach’s workforce works inside the town itself, and the next 50.9% drive outside the town but still work within Simcoe County. That means you’ll have a manageable drive at the very least, with Barrie and Orillia fairly close by for employment prospects.

Myth: Wasaga Beach isn’t quite safe for tourists or seasonal residents.

Wrong. Wasaga Beach doesn’t even make the list of Canada’s 250 most dangerous cities (or towns). It is going to improve its image, though. The town has proposed a revitalization project to strike a balance between the nostalgic Wasaga Beach that we all know and love with modern improvements to infrastructure and commerce.

Myth: Wasaga Beach’s only industry is tourism, and it’s fading.

It’s tourism industry has taken a hit since the Beach Area 1 fire in 2007, but retail tourism isn’t the city’s only industry (though it is #1). 9.47% of the workforce is employed in healthcare and social assistance, and another 11.43% works in construction. There’s definitely room to grow with other industries, making it a prime candidate for home owners who do remote work.

Myth: Clothes are optional in the southern part of the beach.

Not really, but that hasn’t stopped a group from lounging in their birthday suits at one end of the beach. Not everyone’s happy about it. The boardwalk remains child-friendly.

The good news is that this isn’t likely to affect your car insurance rates. That’s all we have to say about that.

How Wasaga Beach’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 in Wasaga Beach

Avoid Wasaga Beach’s most dangerous intersections to protect your car.

Dangerous intersections increase your chances of being involved in a collision. We don’t need to tell you why that’s bad for your health, your car, or your insurance rates. Steer clear of these ones:

  • Sunnidale Concession 12 and Country Road 10
  • Klondike Park and Judith Court

If you can work remotely, then update your auto insurance policy.

One of the biggest factors contributing to high car insurance rates in many of Ontario’s cities has to do with each driver’s annual commuting distance. Wasaga Beach enjoys relatively low car insurance rates on average, you can drive down your rates even further by keeping your car travel to “recreational use.”

Wasaga Beach is considering new housing and infrastructure to feed the economy.

Part of the revitalization plan from Wasaga’s new town council involves an infrastructure overhaul, but another part of that plan could involve more housing.

Affordable housing near waterfront properties could be advantageous for professionals looking to work from home, either as a consultant, freelancer, or through any large-scale medical emergencies.

Sources for facts about Wasaga Beach:

  • Statistics Canada, Wasaga Beach 2016 Census Profile
  • Ministry of Transportation, 2016 Road Safety Report
  • Notable Life, “Wasaga Beach Is (Finally) Getting a Facelift”
  • Simcoe.com, “Tale of a dangerous intersection”
  • Simcoe.com, “Wasaga residents call for upgrades at concealed intersection”
  • Hamilton Spectator, “Wasaga Beach stores gutted by massive fire”
  • Need4Life via YouTube, “Wasaga Beach – The longest freshwater beach in the world”
  • Simcoe.com, “Naturists bare complaints during demonstration at Wasaga Beach”

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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