Are you looking for a better rate on car insurance in St. Catharines? With about 150,000 residents and over 430,000 in the metropolitan area, it is an increasingly popular city for people to call home. That means more drivers on the road and the need for proper auto coverage. With premiums on the rise in the province, it’s important for drivers in St. Catharines to shop around and find better car insurance savings.
At ThinkInsure, it's our job to help St. Catharines drivers find the lowest rates for their auto insurance. Having such a large selection of insurance companies to compare quotes and coverage with means we can find you great rates. We'll quickly shop for the best quotes online or over the phone to get you better car insurance in St. Catharines. Let us help you save more today!
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See what our customers are saying about getting their auto insurance with us.
See all reviewsAlexis French
2023-11-30
Todd Allen, thank you for your support. Convenient, knowledgeable and quick. Explained all the details and was thorough to get our family the best coverage for less. Highly recommend to friends and family.
Oluwakayode Oladapo
2023-11-25
I had been worried about getting the right insurance policy for my car till I spoke with Evan Venditti at ThinkInsure. He spent quality time discussing all options available to me based on my situation. I didnt inform him I had previous quotes from other brokers so I knew what I was looking for but he talked me through everything, was very patient with me and ended up giving me the best price available in the market(I know this cos I had shopped around!). The signup and payment process was very seamless and he had everything sorted out for me in minutes! I would recommend ThinkInsure to anybody and do ask to speak to Evan if you call them!
Orin Monize
2023-11-09
I was shopping around for insurance for a while. I checked many different insurance brokers and companies and Think Insure was able to get me the absolute best rates. Todd Allen was my representative and he was amazing to deal with and made my process a painless process. Thank You very much Todd and Think Insurance 🙏🏽
St. Catharines auto insurance rules are set at the provincial level. Car insurance in Ontario is legally required. All drivers must meet the minimum requirements to be able to drive a vehicle. Policies are divided into two types of coverage – mandatory and optional.
All drivers must have the mandatory minimum amount of $200,000 in third-party liability coverage. This includes accident benefits, direct compensation property damage (DCPD), and uninsured automobile coverage as part of the policy. However, most people increase their plan limits and add extra coverage.
Additional coverage is also available for a fee. You can add collision, comprehensive, specified perils, all perils, and other types of endorsements. Most policies include some of these extra options, providing enhanced protection and increased limits.
There are more ways to save money and get cheap auto insurance in St. Catharines than most drivers realize. Here are 5 quick and effective ways for you to reduce your rates:
Learn more about each one of these ways to save money and you can get car insurance quotes by contacting one of our licensed advisors or comparing online anytime.
Car insurance rates in St. Catharines are a bit below the provincial average. Drivers can expect to pay in the range of $1,200 to $1,500 annually for their policy. The average rate is about $1,250 per year. Even though rates are less compared to other cities, it’s still important to check quotes often to make sure you are getting the most affordable premiums.
Here's how car insurance costs in St. Catharines compare to other cities:
2020 data from the Insurance Bureau of Canada
Costs are on the rise again. Insurance rates are constantly evolving, with frequent changes based on insurers' examination of data relating to claims, repair costs, accidents, and numerous other factors. Additionally, your driving record and potential eligibility for extra discounts can influence these rate fluctuations. Here’s how rates are changing in St. Catharines:
| Year | Average annual premium |
|---|---|
| 2023 | $1,791 |
| 2022 | $1,400 |
| 2021 | $1,646 |
| 2020 | $1,901 |
| 2019 | $2,219 |
| Average rate (2019-23) | $1,791 |
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Your auto insurance premiums are impacted by your driver classification. As you can see in the table below, factors such as age, demographics, driver classification, and driving record all play a big role in determining your premiums:
| Premium | Monthly | Difference | |
|---|---|---|---|
| Driver type | |||
| All drivers | $1,953 | $163 | 0 |
| Young drivers (25 and under) | $2,654 | $221 | 35.89% |
| Middle age (25 - 50) | $1,960 | $163 | 0.36% |
| Mature/senior drivers (50+) | $1,357 | $113 | -30.52% |
| High risk drivers | $4,672 | $389 | 139.22% |
| Demographics | |||
| Male | $2,056 | $171 | 5.27% |
| Female | $1,802 | $150 | -7.73% |
| Married | $1,732 | $144 | -11.32% |
| Single | $2,056 | $171 | 5.27% |
| Driving record | |||
| Clean driving record | $1,953 | $163 | 0 |
| 1 ticket with past 3 years | $2,161 | $180 | 10.65% |
| 1 accident in 3 years | $2,462 | $205 | 26.06% |
| 1 cancellation in 3 years | $2,181 | $182 | 11.67% |
| 1 suspension in 3 years | $2,166 | $181 | 10.91% |
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St. Catharines is not as expensive as some cities, but more expensive than others. See how they compare to other local cities nearby:
| City | Avg premium |
|---|---|
| Hamilton | $2,291 |
| Burlington | $2,002 |
| Brantford | $1,784 |
| St. Catharines | $1,734 |
| Welland | $1,569 |
| Niagara Falls | $1,557 |
| Grimsby | $1,406 |
****
Where you live within a city can affect the cost of your insurance. In St. Catharines, the disparity between postal codes could mean differences of several hundred dollars annually. If you look at the table below, you can see just how much of a difference postal code can make. The most affordable postal code region is L2S and the most expensive is L2W. There is about a $400 difference between them.
| Area in City of St. Catharines | Postal Codes | Avg Premium |
|---|---|---|
| Western Hill, Grapeview, Vansickle, Martindale Heights | L2S | $1,855 |
| Merritton, Secord Woods, Niagara Gardens, Homer, Pot Dalhousie, Lakeshore, Grantham | L2P, L2N, L2M | $1,930 |
| Central St. Catharines | L2R | $1,873 |
| South St. Catharines | L2T | $1,982 |
| Southeast St. Catharines | L2V | $2,117 |
| West St. Catharines | L2W | $2,245 |
***
We want to help drivers in St. Catharines save as much as possible on their car insurance. Compare quotes from the leading providers including CAA, Intact, Aviva, Travelers, and many more to find the lowest price.
Get startedEven though its population is not as large as other cities in the province, St. Catharines is a busy city with busy roads. With major highways passing through and it being a hub for many popular tourist attractions in the Niagara region, you need to keep your eyes peeled at all times when on the road. One mistake could hurt your ability to save on car insurance.
Check out this information about the road systems, traffic, attractions, and transportation in the city:
Being located along a busy stretch of the QEW, the city experiences its fair share of through traffic, congestion, and collisions. Here are some interesting traffic and stats about the city that can impact auto insurance in St. Catharines:
The combination of highway and city driving, windy driving conditions, slick roads in the winter, and with the QEW being a common source of gridlock and accidents, having dependable auto insurance is necessary.
When driving it’s important to:
There are a number of ways you can get cheap auto insurance in St. Catharines. Choosing a vehicle that has a good safety rating, is affordable to repair, and is considered insurance friendly, is a great start. It’s important to keep a clean driving record, minimize claims on your policy, and take advantage of savings opportunities.
There are dozens of factors that can influence how much you pay for car insurance in St. Catharines. Your driving information, location, and the car you drive have a direct impact on costs. Other indirect factors that increase the cost are the prevalence of fraud, the increasing cost of claims, as well as accidents and traffic rates.
Yes. St. Catharines drivers who frequent New York State and the United States are covered under their car insurance policy. Speak with your insurer to be clear about the type of coverage you have in your policy.
The best car insurance company in St. Catharines depends on your coverage needs. It is based on your unique situation. For example, if you are a young driver, you’ll want to work with insurers who offer packages specifically for you. If you want to insure a classic ride, you want to work with a company specializing in insuring these types of vehicles. There isn’t one company that is ideal for all drivers.
ThinkInsure works with many car insurance companies and we help all types of St. Catharines drivers get insured for a great rate. You can choose from leading brands like CAA, Intact, Aviva, Wawanesa, Travelers, Gore, and many others.
Sources
* Based on the difference between the average lowest premium and the overall average premium in St. Catharines for estimates completed from January 1 to March 31, 2023, for drivers with a clean driving record.
** Estimated prices are based on data entered by drivers with a clean driving record living in St. Catharines on ThinkInsure.ca.
*** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from 2019-2022.
**** Estimated premiums are based on data entered by people on ThinkInsure.ca from January 1, 2021, to October 1, 2022.
***** Data from online quotes completed from April 2019 to April 2023.
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