Written by
Nolan Wilson
Updated on June 12, 2025
min read
Get Guelph's best auto insurance rates
Even though Guelph is known as “The Royal City”, there is nothing “royal” about car insurance rates in the city. Even with Guelph being a medium-sized city in the province, drivers still pay about the same as the national average for auto insurance premiums. This is even more of a reason to shop around and explore your options.
ThinkInsure can help you find a policy, renew your coverage, explore savings opportunities, and much more. You can compare quotes from the top insurance companies in Canada and save more on car insurance in Guelph. Get started by comparing quotes online, or call us, and our team of advisors will be happy to assist you.
A snapshot of car insurance in Guelph
Guelph car insurance rates in 2025 are $1,947.
Average auto insurance premiums in Guelph have remained virtually unchanged from 2024 to 2025.
Guelph drivers pay less for auto premiums than drivers in Kitchener, Cambridge, and Waterloo.
Drivers in North Guelph have the lowest average premiums in the city.
Besty was incredibly kind and helpful during a stressful time. I had no idea that a handheld ticket would result in my insurance company dropping me. It was a year after the ticket that I was informed of this so I was shocked and stressed. Besty assured me that we had time to figure out a solution and she worked around my busy schedule to find me the best insurance products to suit my situation. Besty is a 10/10 recommend!!!
e t
2025-05-01
I cannot say enough great things about Todd A! From start to finish, he provided an exceptional customer experience that truly stood out. Not only was he incredibly knowledgeable and efficient, but his kindness and cheerful attitude made the process smooth and absolutely stress-free. What could have been overwhelming was instead seamless and easy, thanks to his reassuring guidance and expertise. He was always quick to respond, informative, and genuinely invested in ensuring I got the best coverage for my needs—all while making sure I felt comfortable and confident every step of the way.
His level of professionalism and warmth turned what could have been a daunting task into an absolute pleasure. If you're looking for someone who goes above and beyond to provide top-tier customer service, look no further than Todd A at ThinkInsure. Thank you for making this experience effortless and enjoyable, you made this all happen for me!
Carl Cronkhite
2025-04-24
I highly recommend ThinkInsure when looking for Insurance, Betsy Bannon was a huge help! As a high risk driver it was very difficult to find a premium i could afford and only had a few weeks to do so. I contacted ThinkInsure and Betsy was able to explain everything and find me a great policy right away. Thank you Betsy!
Keira Busby
2025-04-17
very friendly and willing to help anyway they can! great experience all way round.
Dharma Buyse
2025-04-17
Betsy Bannon was so helpful! I was insuring my new truck with my first personal policy and after one broker went mia on my calls she picked up, although from commercial department, and still handled everything for me within 24 hours! Also she pointed out that previously the drivers history was forgotten about in the prior list of documents that was requested from me. Definitely knows exactly what she’s doing and works great winging it in a different department than her specialty!
I’m a high risk driver for one more year, unfortunately (did not follow cops advisory to fight distracted ticket while checking directions at a red) but she found the best quote for me, and revised this last minuite to find one that further accepted my 8year claim free policy on a commercial registered insurance. She was friendly, prompt to reply, patient, personable, and very knowledgeable. Finding insurance with one more year of this record has been discouraging as a now overly cautious driver, but she made it as seamless as possible
Quentin Chiotti
2025-04-16
Fast, seamless, and efficient. Betsy Bannon was great to work with. Thanks ThinkInsure.
Csaba Deac
2025-04-11
Special Thanks to Betsy Bannon. If you need business insurance , highly recommend her
Kelly Bouchard
2025-04-10
Sohel is amazing!! He responded so quickly and went out of his way to accommodate me. There were a few things I didn’t quite understand and he took the time to explain and reassure me that everything was properly covered. His follow up is so good! I highly recommend his service and expertise. He does all the research and comparisons for you to save you a lot of money! I can’t believe how much I was overpaying with my long time providers. Thanks Sohel!!
How does Guelph car insurance work?
Car insurance regulations in Guelph are set at the provincial level. To drive, all vehicle owners must have valid car insurance in Ontario to drive. You must have a minimum of $200,000 in third-party liability coverage.
However, most residents have much higher policy limits and extra coverage for added protection. You can buy mandatory and optional car insurance in Guelph from private insurance companies directly or through an insurance broker. The FSRAO oversees the industry.
Mandatory car insurance in Guelph
Third party liability: Insurance coverage protects you from legal responsibility due to accidents caused by you.
Statutory accident benefits: Medical coverage and care will be provided to you in case you get injured in an accident.
Uninsured automobile: Get coverage for accidents caused by uninsured drivers or hit-and-runs.
Compulsory coverage for Direct compensation property damage (DCPD) will be discontinued starting January 1, 2024. If you choose to opt out of OPCF 49, your insurance premium will decrease, but the risk of financial loss will increase. Our brokers can assist you in determining whether removing DCPD is a viable option for you. We are committed to helping you make an informed decision.
Optional car insurance in Guelph
Collision coverage: Accident-related damages are covered under this policy. This includes accidents involving objects such as trees.
Comprehensive coverage: Coverage is available for damages that occur due to non-accidental incidents, such as theft, vandalism, and others.
All perils: Your policy protects you against all risks unless specific risks are not included in your policy.
Specified perils: Your policy covers the risks and perils that are listed within it.
Call us to learn more about how you can personalize your policy to meet your unique driving needs.
ThinkInsure Tip : Keep your auto policy up to date
Have you moved recently? Your home address can affect your premiums. Make sure to notify your insurer of any changes. It could even lower your rates.
Latest Guelph auto insurance quotes
2025/06/11
Auto insurance shopper in GUELPH, ON
Vehicle: BMW X5 M50i 4DR AWD 2022
SGI Canada
$1,831
CAA My Pace
$2,626
Aviva Journey
$2,978
Travelers
$3,149
Savings from top 4 cheapest quotes
$1,318
2025/06/11
Auto insurance shopper in GUELPH, ON
Vehicle: TOYOTA RAV4 LE 4DR AWD 2024
Aviva Journey
$1,471
Wawanesa
$1,546
Aviva
$1,634
CAA Connect
$1,687
Savings from top 4 cheapest quotes
$216
2025/06/03
Auto insurance shopper in GUELPH, ON
Vehicle: AUDI Q7 4DR AWD 2018
Aviva Journey
$1,670
Aviva
$1,856
GORE
$1,986
Travelers
$2,145
Savings from top 4 cheapest quotes
$475
2025/05/23
Auto insurance shopper in GUELPH, ON
Vehicle: INFINITI QX80 LIMITED 4DR AWD 2019
SGI Canada
$1,341
CAA Connect
$2,137
GORE
$2,191
CAA
$2,250
Savings from top 4 cheapest quotes
$909
How much does Guelph car insurance cost?
Car insurance in Guelph costs about $1,947 per year. Compared to similar medium-sized cities, Guelph residents tend to have slightly more expensive auto insurance rates. The good news is you still pay less compared to bigger cities.
Here’s a breakdown of how much you can expect to pay:
Annually: $1,947
Semi-annually: $973.50
Quarterly: $486.75
Monthly: $162.25
Weekly: $37.44
Daily: $5.33
Rates are based on ThinkInsure customer quote data for Q1 2025 (Jan 1 to March 15, 2025).
Premiums are on the rise once again. The volatility of insurance rates necessitates frequent changes, driven by insurers' assessment of data concerning claims, repair costs, accidents, and several other factors. Furthermore, your driving record and potential eligibility for extra discounts can also influence these rate fluctuations. See how auto insurance fluctuates by year in Guelph:
Year
Average annual premium
2025
$1,947
2024
$1,943
2023
$2,053
2022
$1,886
2021
$1,639
2020
$2,068
2019
$2,025
Average rate (2019-25)
$1,937
**
Guelph auto insurance premiums by driver type
Your driver classification determines the amount you pay for auto insurance. Insurance providers consider factors such as age, demographics, driver classification, and driving record when calculating your premiums. To evaluate the impact of these factors on your payments, we analyzed our customer quote data. Here's what we found:
Young drivers pay 29% more, and mature drivers pay close to 17% less.
High risk equals high premiums - more than 214% higher.
You can expect to pay about 25% more if you do not have a clean record.
Premium
Monthly
Difference
Driver type
All drivers
$1,947
$162
0
Young drivers (25 and under)
$2,512
$209
29.02%
Middle age (25 - 50)
$1,708
$142
-12.28%
Mature/senior drivers (50+)
$1,628
$136
-16.38%
High risk drivers
$6,115
$510
214.07%
Demographics
Male
$1,839
$153
-5.55%
Female
$1,419
$118
-27.12%
Married
$1,476
$123
-24.19%
Single
$1,999
$167
2.67%
Driving record
Clean driving record
$1,947
$162
0.00%
1 ticket within the past 3 years
$2,148
$179
10.32%
1 accident in 3 years
$2,357
$196
21.06%
1 cancellation in 3 years
$2,383
$199
22.39%
1 suspension in 3 years
$2,408
$201
23.68%
***
Multi-car insurance plans for Guelph drivers
Insuring multiple vehicles under the same policy is a straightforward way to reduce costs. Combining coverage can lead to savings exceeding $250 annually per vehicle.
Average rate
Average rate per vehicle
Total savings
Savings per vehicle
1 car
$1,947
$1,947
2 cars
$2,849
$1,424
$523
$262
***
Auto insurance rates in Guelph compared to local cities nearby
Drivers in Guelph have premiums that are comparable to those in other local cities:
City
Avg premium
Milton
$2,223
Kitchener
$2,049
Guelph
$1,947
Waterloo
$2,059
Fergus
$1,624
Georgetown
$2,173
St Jacobs
$1,044
***
Expert car insurance advice
Save money on car insurance by taking advantage of available discounts. Combining your auto and home insurance policies can lead to substantial savings. You can also reduce costs by insuring multiple cars under the same policy. Remember the required discount for using winter tires in colder weather. If you're a senior, ask about a retiree discount for potential savings. Maintaining a good driving record without accidents or tickets is essential for safe driver discounts.
Neel Khan
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Insurance Broker (RIBO)
Ready to talk? Our brokers are here to help.
Monday-Friday: 8am-6pm Saturday: 9am-5pm
What areas in Guelph have the cheapest car insurance?
The place of your residence within a city can influence your insurance expenses. In Guelph, your postal code could result in a difference of several hundred dollars per year. If you have relocation plans, this is a significant factor to consider. See how rates by postal code compare:
Area in the City of Guelph
Postal Codes
Avg Premium
South Guelph
N1C
$1,840
North Guelph
N1E
$1,499
Central Guelph
N1G
$2,043
Northwest Guelph
N1H
$1,870
West Guelph
N1K
$2,241
East Guelph
N1L
$2,112
***
Guelph car insurance premiums by vehicle brand
The car brand is an important consideration when assessing insurance costs. So, choose your vehicle wisely. Your choice could impact your premiums by hundreds of dollars or more. See how the brand affects costs for drivers in Guelph:
Vehicle brand
Premium
Monthly payment
All brands
$1,947
$162
Honda
$1,819
$152
Toyota
$1,382
$115
Ford
$1,200
$100
Hyundai
$1,973
$164
BMW
$3,190
$266
GMC
$2,047
$171
Chevrolet
$2,004
$167
RAM
$1,732
$144
Dodge
$1,732
$144
Nissan
$2,169
$181
Lexus
$2,725
$227
***
Tips to get the cheapest car insurance in Guelph
There is no magic formula or secret to saving money on your car insurance in Guelph. You just need to stay on top of your coverage needs, and it's best to get a car insurance quote when your policy comes up for renewal.
Here are some things you can do to get a lower rate:
Make sure your advisor has up-to-date information about you and your vehicle.
We want to help Guelph drivers save more on their car insurance. We'll check quotes from the leading insurance companies, including CAA, Intact, Aviva, Travelers, and many more. Shop and compare rates today!
A strategically located city in the heart of Southwestern Ontario, Guelph lies about an hour west of Toronto and just east of Kitchener-Waterloo. With easy access to other major cities, Guelph offers drivers a variety of roads to drive – rural roads, one-lane highways, major highways, and city driving. So, whether you go to work, to class, or to visit some friends, Guelph residents must have a dependable car insurance policy.
The city is outside the hustle and bustle of the GTA. It is offset from Highway 401 and has fewer commuters and commercial traffic. It’s one of the safer cities to drive in the province. Here are things to know about Guelph and driving in the area that could impact your auto insurance premiums:
Highways
Highway 401
Highway 7
Highway 6
Public transit
Guelph Transit
Go Transit
Ride-sharing
Uber
Lyft
Top attractions
Guelph Lake Conservation Area
Basilica of Our Lady Immaculate
Rockwood Conservation Area
The Arboretum at The University of Guelph
The Donkey Sanctuary of Canada
Road Trips
Elora Gorge
Halton County Radial Railway Museum
Fergus
Toronto
Parking
City of Guelph
Airports
Guelph Airport
Worst intersections
Edinburgh Road South and Wellington Street West
Gordon and Surrey Street
Macdonell Street and Wellington
Macdonell Street and Woolwich Street
Driving conditions in Guelph
Being north of Highway 401, the city is known for getting slightly more snow and adverse weather conditions than the southern part of the province. However, the one advantage of being outside the GTA is the shorter commute time.
23 mins
Avg. daily commute time
727 mm
Avg. annual rainfall
703 mm
Avg. annual snowfall
173
Rainy days per year
82
Snow days per year
Drive safely in Guelph to save on your car insurance
Driving, traffic, and road safety statistics determine how much you will pay for insurance. Traffic volume, collisions, and theft are all concerns. The city has about 60,000 daily commuters. Annually, there were 1,589 collisions in 2023, according to Guelph Today. The number of collisions dropped by 21.93% in 2024, according to data from the Guelph Collision Dashboard. It has a high vehicle theft rate in Ontario, at 126 per 100,000 residents, based on a report from the Guelph Police Service.
Tips to help you drive safely in Guelph
Before driving, check out traffic conditions and map your route accordingly.
Check the city website to see where construction is taking place. Avoid these areas.
When driving near universities and colleges or in school zones, be extra cautious and watch out for pedestrian traffic.
Be prepared to adjust your driving based on the road type (highways, residential roads, rural roads).
Give yourself enough time to get to your destination.
Following these tips will help you be a safe driver and get better rates for car insurance in Guelph.
Guelph car insurance FAQs
Car insurance in Guelph is more affordable than in many of the cities in the surrounding region. Compared to the rates in the GTA, drivers can pay hundreds of dollars less per year. Most people will pay less than the provincial average if they have a clean driving record.
You can compare quotes for auto insurance in Guelph anytime. You are not restricted to a certain time of the year. Most drivers check prices when their policy is up for renewal. But you can also compare quotes when you change vehicles, coverage, and other things in your life change.
There are a lot of factors impacting your car insurance rate in Guelph. The vehicle you drive, coverage limits, age, experience, and more all matter. Staying accident and claims free is one of the most important factors to help you get the lowest rates. You’ll qualify for a claims free discount from your insurer and get access to other discounts.
Getting affordable rates and keeping them low will help you save year after year. Speak with your advisor to find additional savings opportunities.
Start saving on Guelph auto insurance today
Finding the best premiums and coverage for auto insurance in Guelph is easy. Getting more affordable rates from the top insurance companies is only a click or call away. Start by comparing quotes online or give us a call to find out how much more you can save.
* Based on the difference between the average lowest premium and the overall average premium in Guelph for estimates completed from January 1 to March 31, 2025, for drivers with a clean driving record.
** Estimated prices are based on data entered by drivers with a clean driving record living in Guelph on ThinkInsure.ca from 2019 to 2025.
*** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from January 1, 2025, to March 31, 2025.
Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.
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