Car Insurance St. Catharines: Find Cheap Auto Insurance Quotes

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Get the best rates for St. Catharines auto insurance

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!

How to get car insurance quotes in St. Catharines

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5-star auto insurance in St. Catharines

Rated 4.7 out of 5 stars in 1291 Google reviews

See what our customers are saying about getting their auto insurance with us.

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C G

2023-04-18 17:28:34

Awesome Experience, Darryl Fardy is the man, got me set up quick and easily. Greatly Appreciated.

WOLFGANG MUENCH

2023-04-16 14:15:24

Lisa was very pleasant to work out the details

Nabanita Debsarkar

2023-04-14 16:21:15

Evan was our Magician. He was prompt in addressing our need yet patient to understand our situation and help accordingly. We are definitely going to go back to him, every time we have an insurance need. We highly recommend his service.

Erin Stewart

2023-04-12 23:54:34

After a car accident, for which I was unfortunately at fault, and complications with my old insurance provider, Bailey at ThinkInsure was able to help me in just a couple of days find and get signed up with a new insurance company. He was friendly, professional, prompt, and diligent, and didn't make me feel bad for my past mistakes. He answered any questions I had and made me aware of all my options in layman's terms. I am fully satisfied with my experience and would recommend both Bailey and ThinkInsure to anyone seeking out first time insurance or a new insurance provider.

Anna Hicks

2023-04-06 14:29:50

I had contacted numerous insurance companies over couple of days . I called Thinkinsure and it became our last stop . The price was by far the best, the professional and friendly and calm service provided by Darryl Fardy was exceptional. Darryl is definitely a huge asset for the company as we got things done fast and efficiently. I have already recommended this company to many people .

debbie doyle

2023-04-04 14:31:06

Very considerate, clear and accurate of their knowledge. They follow up and are quick to reply. I would recommend this insurance company, I’m very satisfied.

Jared Haird

2023-03-30 23:58:05

Great experience. Fast and friendly service. Todd was extremely helpful with all of my requests. Highly recommend giving Todd a call for your insurance needs.

Marie

2023-03-28 21:02:28

If anyone is out there looking for a great insurance broker, I highly recommend Evan Venditti at ThinkInsure. His customer service and care were tremendous ... he was extremely prompt, responsive and personable. His knowledge and expertise are top notch and he was an absolute pleasure to work with.

Mandatory and optional car insurance in St. Catharines

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.

Mandatory coverage

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.

Optional 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.

5 ways to get cheap auto insurance in St. Catharines

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:

Sign up for usage-based insurance and lower your premium with good driving habits.
Save up to 25% when you bundle insurance.
Ask about what insurance discounts you qualify for.
Compare quotes from multiple companies frequently as rates change often.
Use a car insurance calculator to see how much your premium will be.

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.

Recent St. Catharines car insurance quotes

2023/06/02

Shopper in ST CATHARINES, ON
Vehicle: PONTIAC VIBE GT WAGON 2010
Intact	$1,703
Aviva Journey	$1,877
Aviva	$2,084
Pembridge	$2,517
Savings from top 4 cheapest quotes	$814

2023/06/02

Shopper in ST CATHARINES, ON
Vehicle: CHEVROLET EQUINOX LS V6 4DR AWD 2009
Economical	$2,486
Pafco	$3,346
Coachman	$3,620
Echelon	$3,835
Savings from top 4 cheapest quotes	$1,349

How much does St. Catharines car insurance cost?

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:

Average St. Catharines car insurance rate compared to other Ontario cities info graphic

What is the most affordable area for auto insurance in St. Catharines?

Where you live in the city will affect your premiums. See below for the cheapest and most expensive areas in St. Catharines for auto insurance:

Area	Postal codes	Premium
Western Hill, Grapeview, Vansickle, Martindale Heights	L2S	➜ Most expensive
Merritton, Secord Woods, Niagara Gardens, Homer, Pot Dalhousie, Lakeshore, Grantham	L2P, L2N, L2M	➜ Cheapest

Driving in St. Catharines and auto insurance

Even 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:

Highways

Queen Elizabeth Way (QEW)
Highway 406, Highway 81

Public transit

St. Catharines Transit Commission
Go Transit

Nearby border crossings

Niagara Falls International Rainbow Bridge
Lewiston-Queenston Bridge
Peace Bridge
Whirlpool Rapids Bridge (NEXUS users)

Ride-sharing

Uber

Road trips

Niagara On The Lake
Buffalo, New York
Niagara Falls
Toronto

Parking

City of St. Catharines
Impark

Top attractions

Welland Canal
Short Hills Provincial Park
Sunset Beach
Montebello Park
Wine Tasting Tours

Busiest intersections

Welland Ave and Ontario Street
Highway 420 and Stanley Ave
Fourth Ave and Highway 406
Geneva And Service Road

Airports

St. Catharines / Niagara District Airport

St. Catharines traffic and stats that impact car insurance

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:

Conveniently located close to Toronto and only a short drive to the United States border.
With the QEW, Highway 406, and only a short drive from Highway 403, it is an ideal location for commuters who work in the GTA, Hamilton, and other regions.
There were 764 motor vehicle thefts in the region in 2019 according to the Niagara Police. There were also 2,227 thefts from vehicles over $5,000. Theft and crime can increase premiums for all drivers in the region.
Residents have the shortest commute of all CMA’s in the Greater Golden Horseshoe area. The average commute is 21.4 minutes according to Statistics Canada Census.
St. Catharines-Niagara CMA has an impaired driving violation rate of 135.08 per 100,000 residents (2017). This is higher than the provincial average of 105.

St. Catharines driving tips

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:

Consider alternative routes during high traffic time on the QEW.
Pay extra attention when driving on the QEW and other local highways.
Give yourself extra time to reach your destination.
Map out alternative routes.
Expect delays during the winter due to poor road conditions and expect delays in the summer due to road construction.
Be mindful of U.S. drivers who may be unfamiliar with Canadian driving rules and laws.

St. Catharines car insurance FAQs

How do I get cheap auto insurance in St. Catharines?

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.

What factors are used to calculate St. Catharines car insurance?

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.

Does my car insurance cover me if I drive in New York State?

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.

Who is the best car insurance company in St. Catharines?

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.

Start saving on St. Catharines car insurance

We know St. Catharines drivers want lower car insurance rates. You can quickly compare quotes from the top insurers in just a couple of minutes for free. So what are you waiting for? Contact us today to get started. Get a quote online or give us a call.

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Sources

* Based on the difference between the average lowest premium and the overall average premium in Ontario for estimates completed from January 1 to March 31, 2023 for drivers with a clean driving record.

Insurance Blog And News

Read our insurance blog get helpful tips, information and news.

2023-05-26

Compare St. Catharines Car Insurance Quotes

Find cheaper rates for car insurance in St. Catharines and save $754*.

Compare St. Catharines car insurance quotes from the leading providers

Get the best rates for St. Catharines auto insurance