Which Canadian community is the safest for drivers?

Published: December 18, 2018

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Heading deep into winter, drivers in Canada will find road conditions can provide plenty of challenges. Staying safe in some communities may be easier than in others, according to a new study by Allstate Insurance Company of Canada.

Allstate released data that shows Hanmer in northern Ontario is Canada’s safest town for drivers, with an average collision rate of 3.8%. The information is part of the company’s 10th Annual Canada Safe Driving Study, which bases collision rates on a per 100 cars basis. Data over the ten years shows that between July 1, 2008 and June 30, 2018 collision claims frequency in Hanmer has decreased 17%.

In some respects, the situation in Hanmer goes against an auto insurance trend where companies report claims costs are rising amid high collision frequency and the cost of repair. Paying for these claims has resulted in auto insurance rates increasing in major markets across Canada.

With that in mind, the communities that top Allstate’s list are outliers and not the norm. The company studied claims in communities with at least 1,000 vehicles in Alberta, Nova Scotia, New Brunswick, and Ontario.

Behind Hanmer in second place is Brockville, Ont., with a collision frequency of 3.9%, a decrease of 5% over a decade.

Communities with a less than stellar safety record may not be surprising as they are in Canada’s most expensive auto insurance market. Greater Toronto Area locations lead the way with Brampton, Scarborough, and North York having a collision frequency of 7.1%. While some communities have reduced collisions, these towns have collisions increase 36%, 36%, and 37% respectively over the last 10 years.