See car insurance rates in Woodstock, Ontario.

See car insurance rates in Woodstock, Ontario.

Fast facts about auto insurance in Woodstock

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

Population

Understanding car insurance in Woodstock, Ontario

Situated conveniently between London and the Tri-City area, Woodstock enjoys car insurance rates on the lower end of Ontario’s spectrum.

That’s fantastic, given the city’s above-average collision rate and nasty winters. It’s part of Ontario’s snowbelt, which makes winter tires essential for commuters.

A big part of that low average rate rests on a very short commute to work. Most residents in the city spend no more than 15 minutes getting to work, which lowers exposure to risk on the road (and auto rates).

Woodstock’s downtown core is in the process of beginning a restoration project, but has only begun recently. Try to find a residence in other areas until that project is complete.

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 Woodstock

Myth: Few jobs mean you’ll have to commute for work.

Not true. 63% of Woodstock’s workforce works inside the city, according to Statistics Canada. That means you’re very likely to reap the car insurance benefits of a short annual comute, which can reduce your car insurance rates (everything else being equal). Less time on the road exposes you to less risk of a collision.

Myth: Woodstock’s downtown makes the city unsafe and desireable.

Woodstock’s downtown has been in need of revitalization for some time, which is exactly why the city council has created a development plan to do it. They’ve earmarked $100,000 in incentives for entrepreneurs to open businesses downtown, which should bring natural foot traffic and an ecoonomic boost back to the the area.

Myth: Woodstock is a dangerous place to live.

Wrong again. Woodstock’s crime severity index was 66 for 2018, compared to 70 for Kitchener-Waterloo and 78 for London. In fact, Woodstock’s crime severity index dropped a whole 3.7% after Elizabeth Wettlaufer was brought to justice in 2017. Woodstock isn’t all that dangerous overall when we look at it by the numbers.

Myth: Winter driving in Woodstock is particularly dangerous.

Most of Woodstock’s residents don’t need to worry about this because they tend to work inside the city, spending less than 15 minutes on their way to work (according to Statistics Canada). But Woodstock is indeed a part of Ontario’s snow belt—and that can pose a significant problem for the people who do commute to London, Cambridge, or Kitchener-Waterloo.

How Woodstock’s rates compare to other cities in Ontario

  • North York: $4,261
  • Etobicoke: $4,199
  • Brampton: $4,071
  • Scarborough: $3,825
  • Woodbridge: $3,603
  • Richmond Hill: $3,579
  • Mississauga: $3,474
  • Markham: $3,389
  • Hamilton: $3,201
  • Ajax: $3,053
  • York: $2,999
  • Toronto: $2,983
  • Barrie: $2,924
  • London: $2,765
  • Oakville: $2,720
  • Kitchener: $2,705
  • Windsor: $2,536
  • Woodstock: $2,513
  • Burlington: $2,476
  • Ottawa: $2,195

Quick tips on insurance and driving in Woodstock

Steer clear of Woodstock’s most dangerous intersections.

Woodstock’s police force compiled a list of the most dangerous intersections in the city. Avoid them whenever possible to keep yourself safe (and your auto rates!). They are:

  • Peel Street and Wilson Street
  • Juliana Drive and Norwich Avenue
  • Dundas Street and Springbank Avenue
  • Clarke Street and Dundas Street

Pick residential areas with lower rates of claims and reported crime.

Higher rates of claims, thefts, property damage, or any physical incident resulting in medical bills can increase insurance rates in the area for everybody (even car insurance rates). Try to move away from streets and neighbourhoods where that happens more frequently.

For example: places like Springbank and Algonquin have good reputations, whereas the James Street area and Dundas West don’t. 

Invest in coverage for overland flooding, if possible.

Woodstock experiences overland floods now and again, and they don’t just happen once every three decades. Woodstock has experienced flooding as recently as January 2020, making it worthwhile to explore overland flood coverage.

It protects you from the financial cost of repairing your basement from this particular kind of water damage. Just make sure that your insurance carrier actually provides it, because not all of them do!

Just 3 measly minutes to your marvelous rate.

Racking up the likes, baby!

"Best insurance by far."


Christina L.

"I highly recommend this insurance company and if all their employees are like Andrea, their customer service is excellent!!"


Kathleen G.

"I am so happy to find company like this to insure my first car... Amazingly quick customers service and great prices. 100% suggest them!!!"


Petra B.

"Excellent service and cheapest price I have ever got."


Ratheesh T.

"Excellent!… progressive!… no more pen, and paper… ALL ONLINE!!"


Van J.

"Great service, patient and informative representatives, full marks."


Viraj M.

"Easy and can be done at your own convenience, anytime. Response to my questions was great. Best way to get insurance."


Mark R.

"I completed my car insurance quote in just a few minutes - and then I could buy it right then and there. No talking to a broker. No fuss. No muss. Pretty cool really."


Gavin M.

"Had a great experience calling aha for the first time and will definitely be recommending it to all of my friends."


Alexander A.

"I 100% recommend aha. Hands down one of the best companies i've trusted."


Aditya P.

"Great deal, cheapest insurance i got. Highly recommend. Thank you."


Christine L.

"Great service, quick easy and affordable too. The associates who helped me were both very nice and polite too. Really enjoyed my experience thank you!"


Alaina H.

"Had the smoothest insurance experience ever, it was quick, easy, and I had my insurance set up in minutes."


Nicole M.

"Affordable and easy car insurance with great customer service. Would recommend to anyone."


Tausif F.

Sources for facts about Woodstock:

  • Statistics Canada, Woodstock 2016 Census Profile
  • Ministry of Transportation, 2016 Road Safety Report
  • Heart FM, “Woodstock’s Worst Intersections”
  • Woodstock Sentinenal Review, “Drop in crime severity index attributed to serial killer”
  • Woodstock Sentinenal Review, “Flood watch issued for Oxford County”
  • UTRCA via YouTube, “Flood 2020 – Pittock Reservoir”
  • City of Woodstock, “Community Improvement Plan”

Source for average insurance rates by city:

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

Just 3 measly minutes to your marvelous rate.

"Best insurance by far."


Christina L.

"I highly recommend this insurance company and if all their employees are like Andrea, their customer service is excellent!!"


Kathleen G.

"I am so happy to find company like this to insure my first car... Amazingly quick customers service and great prices. 100% suggest them!!!"


Petra B.

"Excellent service and cheapest price I have ever got."


Ratheesh T.

"Excellent!… progressive!… no more pen, and paper… ALL ONLINE!!"


Van J.

"Great service, patient and informative representatives, full marks."


Viraj M.

"Easy and can be done at your own convenience, anytime. Response to my questions was great. Best way to get insurance."


Mark R.

"I completed my car insurance quote in just a few minutes - and then I could buy it right then and there. No talking to a broker. No fuss. No muss. Pretty cool really."


Gavin M.

"Had a great experience calling aha for the first time and will definitely be recommending it to all of my friends."


Alexander A.

"I 100% recommend aha. Hands down one of the best companies i've trusted."


Aditya P.

"Great deal, cheapest insurance i got. Highly recommend. Thank you."


Christine L.

"Great service, quick easy and affordable too. The associates who helped me were both very nice and polite too. Really enjoyed my experience thank you!"


Alaina H.

"Had the smoothest insurance experience ever, it was quick, easy, and I had my insurance set up in minutes."


Nicole M.

"Affordable and easy car insurance with great customer service. Would recommend to anyone."


Tausif F.

Racking up the likes, baby!

Sources for facts about Woodstock:

  • Statistics Canada, Woodstock 2016 Census Profile
  • Ministry of Transportation, 2016 Road Safety Report
  • Heart FM, “Woodstock’s Worst Intersections”
  • Woodstock Sentinenal Review, “Drop in crime severity index attributed to serial killer”
  • Woodstock Sentinenal Review, “Flood watch issued for Oxford County”
  • UTRCA via YouTube, “Flood 2020 – Pittock Reservoir”
  • City of Woodstock, “Community Improvement Plan”

Source for average insurance rates by city:

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

How are we doing?

How are we doing?