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32,754 Canadians

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What our users say:

April 22
Your agent Nathan was amazing and so…
Your agent Nathan was amazing and so helpful.
Alecia O'Brien
April 19
Prompt response
Prompt response. Good info to make a decision. Helpfull that info was sent to ...
Margaret Bird
April 19
Sean was easy to talk too and very…
Sean was easy to talk too and very informative.
April 19
Good job
The staff was helpful and knew what were doing.
Franziska Pedersen
April 17
Good pricing
Pleasant broker and helpful
April 17
filled out form online less than 5mins…
filled out form online less than 5mins called right away and setup call with bro...
April 16
The Agent was very kind and helpful!
The Agent was very kind and helpful!
Istvan Kiraly
April 16
Great customer care she is good 👍
Great customer care she is good 👍
Anthony Odia
April 15
Simple and clear!!
Fast response ! Friendly knowledgeable staff!
Kent Fewer
April 15
great rep provided all the information…
great rep provided all the information I needed to make an informed choice
April 12
After I got the quotes somebody…
After I got the quotes somebody followed up with me and put me trough with an ag...
Stefan Ciucas
April 12
fast responce
fast responce, great people to talk to explaining everything, What a Great web s...
Larry Rowthorn
April 9
Very helpful advice and great overall…
Very helpful advice and great overall service.
April 6
Easy to deal with and very helpful
Very easy, good use of technology and customer follow up was awesome
Steve Miller
April 6
Easy and friendly process.
Easy and friendly process.
April 5
So good service ,,
So good service ,,, Tammy service me so so good
Son Nguyen
April 5
Very good service.
Very good service.
Tanya Neufeld Eckert
March 30
easy to work with…
easy to work with and find what I needed fast.
Pierre Duprey
March 25
Immediate response
Immediate response
Donald Henderson
March 6
Very helpful team !
Very helpful team !
Shivali Patel
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
January 31
Representative was extremely helpful…
Representative was extremely helpful and was able to assist in all our needs.
Laura Dunsford
January 19
I was treated very well
I was treated very well, the person that was helping me was very helpful and fou...
Tim Bob
January 18
Great service
The response to my inquiry was quick. I received a phone call a few hours later ...
Sherri Leclerc
December 4
Quick turnaround
Quick turnaround, I am really happy with the process so far.
Breno Mendonca
November 11
process was easy and professional
The process was easy and professional
James Robichaud
November 1
The young man was very courteous and…
The young man was very courteous and professional. We didn't qualify due to low...
Teresa Penning
October 26
Quick and friendly response.
Quick and friendly response.
Dan Rochon Rochon

How comparing Guelph auto insurance quotes works. Hint: it’s free!


Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.


When you find the best quote, secure your Guelph auto insurance rate by talking to a licensed broker or agent.

Auto insurance in Guelph

Like all parts of Canada, car insurance in Guelph is mandatory. Although there are minimum requirements, many drivers buy additional insurance beyond the legal minimum. Extra insurance provides better protection against liability and financial risks related to driving, such as property damage and injuries.

Ontario has a no-fault insurance system, meaning all drivers involved in accidents file claims with their own insurance providers to cover their losses.

Mandatory Guelph car insurance coverage

Guelph drivers must follow Ontario's traffic laws and carry the minimum amount of car insurance. The types of auto insurance required by law in Ontario are:

Optional Guelph car insurance coverage

Drivers in Guelph often look to take on extra coverage beyond the mandatory options. You can choose to increase the coverage amounts for the standard coverages in your policy or purchase additional coverage that protects you from other risks — or some combination of both.

Some of those additional coverages may include:

Even more endorsements are available to Ontario drivers than are listed here. If you want help to clarify your coverage needs, try getting a free car insurance quote on We'll help you find the lowest premium, and a licensed insurance professional will contact you to finalize your rate and answer any questions.

Factors that determine your car insurance rates in Guelph

Auto insurance companies grade you on a number of variables to determine your premium. How low your rate is depends on how well you score. It may not seem fair, but here's what they assess you on and why:

Car insurance rates for Guelph seniors

Adults between the ages of 50 and 70 get some of the lowest car insurance rates in Guelph. After age 70, you might see your rate begin to climb. If this happens to you, it may be time to shop around for new automobile insurance in Guelph.

Car insurance rates for students in Guelph

Finding affordable car insurance for new drivers in Guelph isn’t easy. Young people pay, on average, the highest insurance premiums of all drivers.

While it can be challenging for new drivers to find cheap car insurance in Guelph, we’ve found that the demographic that finds the most savings on are young drivers — the more you’re expected to pay, the more dramatic the savings you can find when you compare Guelph car insurance quotes.

Car insurance for new immigrants in Guelph

If you have had car insurance in the past, ask your previous insurance company to provide a reference to your new Ontario insurer. This will improve your chances of lowering your car insurance rate.

Car insurance for high-risk drivers in Guelph

Having traffic convictions or an extensive claims history will put you in the high-risk category with most car insurance companies.

It’s hard to find cheap auto insurance rates in Guelph as a high-risk driver. However, it’s still possible to get coverage. provides quotes from car insurance companies that specialize in outfitting high-risk drivers with insurance coverage.

Front view of a car. Illustration.

See how our customers in Guelph save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from April 23, 2024
Male, 22 years old
Lowest Rate
Average Rate
Quote from April 23, 2024
Male, 24 years old
Lowest Rate
Average Rate
Quote from April 23, 2024
Male, 21 years old
Lowest Rate
Average Rate

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

What can I do to get cheap car insurance in Guelph?

It's easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:

Shop around

We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.

Buy the right coverage

Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.

Drive responsibly

Your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.

Pay on time

Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.

Bundle up

Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.

Be safe, not sorry

Safety features like winter tires and alarm systems can help reduce your insurance premium.

Stick with one insurer

Most auto insurance companies give special discounts to customers who stay with them for a number of years.

Take a course

A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.

Keep driving

The math is clear: more experience on the road equals lower car insurance premiums. Young drivers almost universally pay higher rates for car insurance. While it’s difficult for new drivers to secure cheap car insurance rates, you may be able to lower your rates by maintaining good grades and attending driving school.

Look at location

Where you drive affects your premiums. Some areas are associated with higher rates of car accidents and theft.

Choose the right car

Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.

Track your driving

With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.

Focus on

Driving in Guelph.

Most popular cars in Guelph

Based on data, here are the most popular vehicles in Guelph among online auto insurance shoppers.

Popular Brands

  1. Honda
  2. Volkswagen
  3. Dodge
  4. Mazda
  5. Chevrolet

Who shops for auto insurance in Guelph?

Our data reveals that the typical Guelph auto insurance shopper on is a 27-and-a-half-year-old male.

Gender of our users


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

Frequently asked questions about car insurance in Guelph.

How much is car insurance in Guelph?

Drivers in Guelph looking for cheap car insurance can start by comparing quotes on sites like

By applying for auto insurance quotes in Guelph, you'll see the cheapest rates from your area's top insurance providers.

Unless your broker or agent advises you to purchase more coverage, the price you see on our site is what you will pay.

However, prices for car insurance in Guelph are not a one-size-fits-all amount, as each driver brings different variables to the table. Your premium will depend on your personal driving and insurance history.

We also don't recommend estimating your car insurance costs using city averages. Averages include drivers who pay premiums at the top and low ends of the spectrum, which may not reflect what you'll pay.

Which Guelph postal code has the highest average premium?

Guelph's highest average car insurance premium is found in four postal codes: N1C, N1E, N1G and N1C. It is 0.5% higher than the Guelph average but 3.6% cheaper than the Ontario average.

Which Guelph postal code has the lowest average premium?

The two postal codes with the lowest average premium in Guelph are N1H and N1K. The premium here is 1% lower than the Guelph average and 5.1% cheaper than the Ontario average.

How do Guelph car insurance rates compare to other cities in Ontario?

The average Guelph car insurance rate is 4.24% below the Ontario average of $1,744 and nearly 62% cheaper than drivers in Brampton.

Guelph is part of the Greater Toronto Area and is near major highways, but it is a smaller town with less congestion and theft, for example. According to our data, the highest auto insurance premiums in the province can be found in:

  1. Brampton
  2. North York
  3. Mississauga
  4. Scarborough
  5. Toronto

The Ontario cities with the cheapest insurance are:

  1. Ottawa
  2. Kingston
  3. Pembroke
  4. Cornwall
  5. Brockville (26% cheaper than Guelph)

These cities are well outside the GTA, so drivers fetch cheaper auto insurance rates on average.

Guelph car insurance companies look at more than your location. Prices vary depending on your driving habits, experience, and age, which can also factor into the equation.

Where do I get the cheapest car insurance quotes in Guelph?

No car insurance company offers cheap, flat-rate auto insurance quotes to every Guelph driver who applies for a policy. Car insurance premiums are highly customized products.

Buying a utilitarian car — one that isn't a known target for thieves and has good safety ratings — will bring down your rate, as will being a defensive driver, limiting your mileage, and opting for a basic car insurance policy.

You can drive down your rates further by making yourself eligible for more discounts. For example, installing winter tires or maintaining a GPA above a certain level if you're in school. Joining a telematics program can save up to 25% on your car insurance premium.

The next step involves comparing car insurance quotes. Since every insurance company's risk tolerance differs slightly, one may favour you more than your current Guelph auto insurance company. Once you compare quotes, you may be surprised by the variation in prices. We can help you find a car insurance company serving Guelph that can offer you a lower rate.

More ways to reduce car insurance costs in Guelph

  • Take Guelph public transit. Reducing your trips in the car and substituting it with transit can help you shrink your car insurance bills. Residents of this city can count on Guelph Transit, which has over 70 buses and serves 28 transit routes.
  • Guelph is a university town. If you’re a student at the University of Guelph, make sure you inquire about student discounts with your car insurance provider.
  • Disobeying the rules of the road will impact your car insurance rate. Drive appropriately and courteously when you're making your way down Guelph neighbourhood roads. The city adopted an effective traffic management plan to curb speeding, traffic shortcutting, and other safety concerns. Remember: you're in a pedestrian-filled area.
  • It gets snowy in Guelph. Installing winter tires can get you a discount on your car insurance.
Joel Kranc

Joel Kranc

About the Author

Joel Kranc is an award-winning writer, author and journalist. Most of his experience lies within the institutional investment and financial services space. He also covers a variety of business topics for publications in North America and the UK.

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*Represents the average saved by shoppers who obtained a Guelph quote on and transacted via our contact centre between January and December 2022. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by