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Auto Insurance in Caledon

The Town of Caledon is one of three municipalities of Peel Region. It is located at the northwest border of the City of Brampton. It has a total population of 66,502 and is the largest city or town by area with over 688 km² in the Greater Toronto Area. Since the Town of Caledon is mainly rural, it is also developing into an urban area. The development of the town shows that it is important for Caledon drivers to have car insurance, due to more vehicles on the roads.  

If you reside in Caledon and own a registered vehicle, it is important to have auto insurance. Driving without car insurance is a very serious offence; you can be fined for a first conviction of a minimum of $5,000.00.

In Caledon, when you purchase Auto Insurance with Oracle RMS, you are insuring your vehicle, all listed drivers, and any loss or damages resulting from a car accident.

By partnering with Oracle RMS, we provide excellent customer service and work hard to get you some of the lowest auto insurance rates in Caledon that best suit your unique needs. We are proud to be partnered with a wide range of insurance companies who can provide a variety of auto insurance quotes for all Caledon residents.

At Oracle RMS, you will work along with one of our licensed brokers to help guide you through the quoting process. They will make sure you understand all the insurance jargon and information up to the last detail of your auto policy before you’ve made the final decision.

Auto insurance will protect and provide coverage for your vehicle(s), all listed drivers and any loss or damages. In Ontario, it is required to include and purchase the following automobile insurance coverage below:


> Third Party Liability Coverage: This section of a car insurance policy will provide coverage to protect the insured if a third-party has been injured or have succumbed to their injuries, or their property is damaged. It will compensate for claims in the event of a lawsuit against the insured up to the limit of their coverage. It will also compensate for the cost of settling a claim.

>Statutory Accident Benefits Coverage: This will provide the insured with benefits if they are injured in an auto accident, regardless of who caused the accident. This includes medical, rehabilitation and attendant care benefits and income replacement benefits.

>Direct Compensation – Property Damage (DC-PD) Coverage: This section of a car insurance policy covers damage to the insured’s vehicle and its contents and for loss of use of their vehicle or its contents in the case of an accident, for which the insured was not responsible for. Since it was another individual who caused damage, the insured will collect direct compensation from their insurer.

>Uninsured Automobile Coverage: This coverage will protect the insured and their family, should they be injured or killed by a hit-and-run driver or by an uninsured motorist. It will also provide coverage to the insured’s vehicle caused by an identified uninsured driver.


Whether customers are shopping for car insurance, are informed about their upcoming auto policy renewal or are looking to save money on their current policy, overall, it is important to be informed about auto insurance and how a policy works.

Driving Statistics in Caledon


Overall, there are a total of 29,690 drivers in Caledon, which equals 88.28%. 16,100 of those Caledon drivers are male, while the remaining 13,590 of Caledon drivers are female. In addition, there are a total of 1,990 Caledon passengers who are carpooling every day with other drivers.

With that being said, other forms of transportation for Caledon residents are public transit with a total of 920 bus commuters, while 755 residents choose to walk to their destination, leaving 35 residents to ride a bike. Meanwhile, 240 Caledon residents find other methods of transportation.

Majority of commuters in the Town of Caledon leave their homes to get to work from 7:00 AM to 7:59 AM, therefore the roads are at their busiest within that time frame. The second busiest time for commuters to leave their homes to head to work is from 6:00 AM to 6:59 AM, which is 19.77%. However, 6,585 commuters still prefer to leave at 8:00 AM to 8:59 AM.

Driving Facts in Caledon


There are selected bus trips from Brampton Transit that extends into the Tullamore Industrial Area of the Town of Caledon, with a total of six trips per day.

The Town of Caledon has no government-supported local public transit system.

In the last five years in Caledon, OPP data shows that there have been a total of 27 motor vehicle collisions that resulted in death.