Kawartha Lakes Car Insurance

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Kawartha Lakes Car Insurance

For over thirty years, Humberview Insurance Brokers has been assisting residents of Kawartha Lakes, Ontario, and the neighboring areas with their Kawartha Lakes car insurance needs. If you're in search of an affordable Kawartha Lakes car insurance quote, our aim isn't solely to offer you cost-effective car insurance. We also want to introduce you to one of our licensed Insurance Brokers. They are wholly committed to helping you secure a policy, providing crucial advice, and assisting you should you ever need to file a claim.

From the moment you request a car insurance quote, our dedication is evident and remains consistent as you make the most of your coverage over the years.

Standard Car Insurance in Kawartha Lakes, Ontario


Liability portion of your car insurance policy provides protection against damage you cause to other people or their property

Direct Compensation Property Damage

Covers damage to your vehicle from your own insurance company to the extent you are not at fault. (For portion you are at-fault you would need collision or all perils coverage). As of January 1 2024, there is an option to opt out of this coverage.

Uninsured Automobile Coverage

Protects you if you are hit by an uninsured motorist or by a hit and run driver. This portion will cover damage to your automobile caused by an identified uninsured motorist.

Accident Benefits

Provides compensation if you or others are hurt or killed in a car accident.

Extra Coverages for your Kawartha Lakes Car Insurance to Take You Those Extra Km’s

Collision Coverage

Covers your damage to your car as a result of hitting an object or another car

Comprehensive Coverage

Covers some insured damages such as falling objects, theft and fire.

All Perils Coverage

Most extensive physical coverage for your car. Covers collision + comprehensive and better theft coverage.

Accident Forgiveness Coverage

Extra coverage that protects your driving record and your insurance rate from going up from your first at-fault accident. Typically, you need to have been insured accident free for a set number of years to qualify.

Depreciation Waiver Coverage

Gives you the purchase price of the vehicle in the event of a total loss.

Rental Vehicle Coverage

Provides you with a rental vehicle to a specified limit after an insured loss.

How Kawartha Lakes Car Insurance Rates Determined


The Car you Drive

Factors such as engine size, the cost of the vehicle and safety ratings can all make an impact to how much you will pay for car insurance.


How you Drive

Generally, if you are driving many kilometers or driving to work you will generally pay more than someone that just used their vehicle for occasional driving and errands.


The Area in Which You Live

The area in which you live and where you most often drive affect the price you pay for car insurance. Generally, big cities have more traffic this makes the risk of accidents being higher.


Driver Profile

Things like your age, your driving history, how many tickets, accidents, when you got licensed as well as other factors can all play a part in making your rate..


All the Coverages You Choose

Some coverages you choose can add up and it is up to you to determine which are best fit for you. Our brokers can help you decide.


Discounts You Qualify for

A variety of eligible discounts can be added if you qualify that may impact your final car insurance rate.

Ways you Can Save to Get Cheap Kawartha Lakes Car Insurance


Add your house policy to get a multi-line discount..

Insure two or more vehicles

Insuring your vehicles with the same company can result in you receiving a multi-vehicle discount for all vehicles on the policy.

Shop Around

In Ontario, there are many options for car insurance whether through agents, brokers or direct companies. There are many offerings.

Increase deductibles

Determine how much you are comfortable covering yourself if minor damage occurs and adjust your deductible accordingly.

Pay Yearly

Some insurers charge a maximum rate of 1.3% for paying for your car insurance on a monthly basis. If your company is charging you for paying monthly – ask about paying annually or in larger installments to avoid fees.

Install winter tires

Installing winter tires on your vehicles just makes sense for winter driving, but it can also save you money on what you pay for your car insurance.

Take a Drivers Training course

If you are a young or inexperienced driver the price you pay for car insurance might be improved by taking an approved driver training course.

Consider Renewing

Insurers typically give renewal discounts after a year or three and it might be wise to consider what the renewal price will be when you are shopping around.

Tips for Driving in Kawartha Lakes

Watch for Wildlife

The region's lakes and forests mean encounters with wildlife are common. Stay alert, especially during dawn and dusk.

Put On Snow Tires

Snow tires will help you control and stop in inclement weather, they do make a difference.

Be Prepared for Changing Weather

Kawartha Lakes experiences a wide range of weather conditions. Ensure you're ready for any surprises Mother Nature might throw.

Why Humberview?

  • You Get One Dedicated Broker

    We are not a call center, you will have the same broker for your policy.

  • In Business Since 1982

    We are an independent broker located in Toronto since 1982

  • Quotes from Top Insurers

    We represent some of Canada's best insurance companies.

  • No phone prompts when you call us

    Speak to a human, right away.

Did you Know About Kawartha Lakes?

Kawartha Lakes, Ontario, celebrated for its beautiful lakes, scenic beauty, and rich heritage, provides a perfect mix of tranquility and vibrant community living. Navigating through the picturesque landscapes and townships, drivers encounter a blend of serene lakeside roads and bustling town centers. This blend underscores the importance of reliable Kawartha Lakes car insurance, ensuring drivers remain protected as they explore the region's diverse terrains.

Some of the busiest streets and roads in Kawartha Lakes include

Kent Street

A central thoroughfare in Lindsay, this street houses many businesses and sees consistent traffic.

Colborne Street

Another crucial road in Lindsay offering connectivity across the town.

Little Britain Road

Serving as a vital link between different parts of Kawartha Lakes. 4. Omemee Street: An important route for residents and visitors alike

Angeline Street

Crucial for local and through-town traffic.

Eldon Road

Connecting various neighborhoods and recreational spots.

Fenel Road

A picturesque drive linking several lakeside communities

Omemee Street

An important route for residents and visitors alike.

Notable neighborhoods and areas in Kawartha Lakes


Often considered the hub of Kawartha Lakes, Lindsay boasts a rich history and a vibrant community.


Known for its iconic locks and vibrant waterfront

Fenelon Falls

A popular spot for tourists with its waterfalls and scenic beauty.


Celebrated for its community events and historical significance.


A serene lakeside community, perfect for relaxation.

Kawartha Lakes Car Insurance FAQ

  • How much car insurance do I need in Kawartha Lakes?

    Kawartha Lakes car insurance requirements in Ontario mandate a minimum of $200,000 in third-party liability coverage (but we believe you should carry at least $2 million in coverage), along with accident benefits, uninsured automobile coverage, and direct compensation - property damage coverage. While these are the minimums, many individuals opt for higher coverage limits to enhance protection. Optional coverages, such as collision and comprehensive insurance, are also available. It's essential to assess your specific Kawartha Lakes car insurance needs, considering factors like your financial situation and vehicle value. For personalized guidance, give us a call.
  • How much is car insurance per month in the Kawartha's?

    The cost of car insurance in The Kawarthas varies based on factors like your age, driving history, vehicle type, and coverage choices. On average, annual premiums in Ontario, which includes The Kawarthas, are around $1,500 to $2,000. But this is also dependant on many factors. To get an accurate quote give a call or click to get a quote today.
  • How much is insurance for a G2 Driver in Kawartha Lakes?

    The cost of car insurance for a G2 driver in the Kawartha's can vary widely depending on factors like age, driving history, and the type of vehicle. On average, G2 drivers might expect to pay higher premiums than more experienced drivers, potentially ranging from $3,000 to $6,000 or more annually, but exact rates can vary significantly.
  • Which car offers the most affordable insurance in Kawartha Lakes?

    The affordability of car insurance in the Kawarthas depends on various factors, including your personal details and the type of vehicle. Generally, smaller, less expensive cars with good safety records tend to have more affordable insurance rates. However, it's best to compare insurance quotes for specific vehicles from local insurers in the Kawarthas to determine the most cost-effective option based on your unique circumstances. In the Kawarthas, where rural roads are common and winters can be harsh, vehicle choice and winter driving considerations can impact insurance costs. All-wheel drive or four-wheel drive vehicles with good winter tires may have slightly higher insurance premiums but can be advantageous for safe rural driving during winter months. However, insurance rates depend on numerous factors, so it's essential to give us a call for a personalized Kawartha's car insurance rate.
  • How much is car insurance in Kawartha Lakes for a new driver?

    The cost of car insurance for a new driver in Kawartha Lakes can vary widely based on several factors, including the driver's age, gender, driving experience, the type of vehicle, coverage options, and the insurance company you choose. Generally, new drivers, especially young ones, tend to face higher insurance premiums due to their limited driving history. New drivers in Ontario might pay anywhere from $3,000 to $6,000 or more annually,
  • Do all drivers in a household have to be insured in Kawartha Lakes?

    In Kawartha Lakes, as in the rest of Ontario, all licensed drivers living in the same household who have regular access to the insured vehicle are typically required to be listed on the car insurance policy. Insurance companies generally want to know about all potential drivers in the household to assess the risk accurately and determine the premium. Failure to disclose all household members who drive the insured vehicle can lead to issues with coverage in the event of an accident. It's essential to be honest and transparent with your insurance company about all drivers in your household to ensure proper coverage.

Kawartha Lakes Car Insurance Quotes For Different Types of Car Insurance

Clean Record Car Insurance in Kawartha Lakes

  • Drivers in Kawartha Lakes with exemplary driving histories are well-positioned to find rates that commend their outstanding driving records.
  • At Humberview Insurance Brokers, our commitment is steadfast.
  • We're determined to provide affordable Kawartha Lakes car insurance solutions. Additionally, we are passionate about connecting you with our skilled, licensed Insurance Brokers.
  • These experts are here to guide you in choosing the appropriate policy and are a cornerstone of support, especially in claim situations.

Kawartha Lakes Commercial Auto Insurance

  • For over three decades, Humberview Insurance Brokers has stood out as the premier choice for Commercial Auto Insurance in Kawartha Lakes.
  • Whether you're in the tourism industry, run a local restaurant, or use your vehicle for business errands, we've got you covered.
  • Our specialists draft policies tailored to your distinctive needs, ensuring comprehensive protection.
  • Count on us to deliver the optimal Commercial Auto Insurance solution in Kawartha Lakes.

Kawartha Lakes High Risk Car Insurance

  • Occasionally, drivers in Kawartha Lakes might find themselves needing high-risk car insurance.
  • This type of coverage is intended for individuals deemed as a higher risk by insurers due to past incidents or driving records.
  • Being labeled as high-risk might stem from a history of DUI, numerous traffic infractions, being at fault in accidents, or a lapse in insurance coverage.
  • With such a policy, drivers can methodically rebuild a commendable driving history while still being suitably insured on the roads.

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