How comparing auto insurance quotes works. Hint: it’s free!
First, we need to know about you and your vehicle. It only takes 3 minutes, and it’s 100% confidential.
Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.
When you find the best quote, secure your Niagara auto insurance rate by talking to a licensed broker or agent.
We can help you find cheap car insurance in Niagara.
Located at the southern tip of Ontario's Golden Horseshoe region, Niagara’s drivers regularly travel along some of Canada’s busiest highways. That kind of commuting usually results in high auto insurance premiums.
By comparing quotes using our online tool, Niagara drivers save hundreds of dollars per year on average. It only takes a few minutes to compare multiple Niagara auto insurance quotes on LowestRates.ca. Begin by entering your postal code, and you can get quotes from more than 50 auto insurance companies within three minutes.
After that, we can connect you to the car insurance broker serving Niagara that can offer your lowest rate.
Whether you’re searching for cheap car insurance for new drivers or car insurance in Niagara for seniors, LowestRates.ca can help find a policy that’s the right fit for you. Start now to find the best Niagara auto insurance rates, or read on to learn more about affordable car insurance in Niagara.
See how our customers in Niagara Falls save big on auto insurance.
|Customer||Location||Vehicle||Lowest rate||Average rate||Saved|
Quote from December 01, 2023
Male, 28 years old
2010 MAZDA MAZDA3 GS 4DR
Quote from December 01, 2023
Male, 31 years old
2015 FORD ESCAPE S 4DR 2WD
Quote from November 30, 2023
Male, 19 years old
2004 NISSAN XTERRA SE 4DR 4WD
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company
Driving in Niagara.
Most popular cars in Niagara
Here are the most popular car brands in Niagara based on car insurance quotes completed using LowestRates.ca.
- Ford truck/van
Who shops for auto insurance quotes in Niagara?
Using data pulled from the LowestRates.ca database, here’s who is shopping for cheap vehicle insurance in Niagara.
Tickets & Accidents
- Have Tickets
- Have Had Accidents
What can I do to get cheap car insurance in Niagara?
It's easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:
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.
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.
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.
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.
Your questions about car insurance in Niagara, answered.
How much is car insurance in Niagara?
According to the Insurance Bureau of Canada, the average cost of car insurance in Ontario is $1,505. Using an average of average rates from five communities — Niagara Falls, Niagara-on-the-Lake, Port Colborne, St. Catharines and Welland — our data suggests there’s about a 42% difference.
But Niagara car insurance prices still vary between communities. According to LowestRates.ca data, the auto insurance premiums in Niagara Region for these five communities, starting with the most expensive, are found in:
- Niagara Falls (About 74% more than the Ontario average)
- St. Catharines
- Port Colborne (About 23% less than Niagara Falls)
The size of communities in Ontario varies from Canada’s biggest city, Toronto, to sparsely populated rural areas. As a result, insurance rates vary widely.
Since the size of the community you live in can often impact your premium, it shouldn’t be surprising it costs more in communities that fall within the heavily-populated Golden Horseshoe.
Many Niagara residents commute to Toronto for work and put thousands of kilometres on their cars annually.
More residents and more drivers, equal more potential for collisions. Your rates have to reflect that.
But even higher-than-average rates can still vary due to your personal profile and needs. This includes the type and age of your vehicle, your personal driving history, and how comprehensive the coverage is.
So don’t fret about Niagara Region residents having higher premiums than the Ontario average. Your own Niagara car insurance costs may vary depending on your unique needs and profile.
Which Niagara postal code has the highest average car insurance premiums?
According to LowestRates.ca data, the postal code with the highest premium in the Niagara region is L2G in Niagara Falls.
Which Niagara postal code has the lowest average car insurance premiums?
According to LowestRates.ca data, you’ll find the lowest Niagara Region premium in the L2N postal code located in St. Catharines.
Where do I get the cheapest car insurance quotes in Niagara?
No single Niagara auto insurance company offers cheap insurance quotes to all drivers who apply. This is because many factors cause car insurance quotes to vary. Rates will go up or down depending on your needs, your automobile, and your personal driving history.
The best way to ensure you get the cheapest rate for yourself? By shopping around and comparing rates from multiple car insurance companies.
Several factors are taken into account when insurance companies calculate premiums that are completely out of your control. These can include loss ratios influenced by their underwriting standards or the driving histories of their customer base.
However, there are still factors you can control that impact the premium you pay. These include the age and type of vehicle you drive, your personal driving record, the amount of insurance you buy and how many kilometres you drive your vehicle annually.
In general, buying a vehicle without too many complicated options or a used one is a good tactic to keep your rate down. This is because older cars or those without sophisticated bells and whistles can be cheaper to fix in case of a collision. Limiting mileage and opting for a basic car insurance policy will too. You can get your rates down a bit further by making yourself eligible for more discounts.
If you have a policy already, you should compare it against other options before the policy renewal date. Switching companies may offer you the chance to save money, and you may be surprised by how much your premiums can vary. LowestRates.ca can help you find Niagara automobile insurance at a rate that fits your needs and works with your budget.
What factors affect the cost of car insurance in Niagara?
Unique factors related to your personal driving history and the car you own or plan to buy factor into how much you’ll pay for car insurance. Other factors related to where you live, like the population size and whether it's urban or rural, are taken into consideration as well. These factors play into how much Niagara region drivers pay and explain variations among different communities even if they’re within the same geographic region.
What are car insurance rates in Niagara for students?
For Niagara students — whether in high school, college, or university — premiums tend to be more expensive than those their parents pay. Why? Students tend to be newer drivers with shorter records, and those under 25 are at higher risk of getting into an accident.
But this doesn’t mean you can’t find ways to keep costs down. There will still be variations in car insurance rates for new drivers in Niagara. Factors like the age and model of the car you drive, your driving record, and your gender are among them. Good grades can lead to discounts with some insurers, so this can be one way to reduce premium costs.
Finding cheap car insurance for new drivers is tough. LowestRates.ca can help you find the best car insurance for students in just a few minutes. By entering your postal code and clicking “Get Started,” you can compare insurance quotes from 50+ Canadian providers.
What are car insurance rates in Niagara for new immigrants?
Niagara car insurance estimates for new immigrants can vary widely. That's why it’s a great idea to use a comparison tool like LowestRates.ca when shopping for a policy. Premiums are determined for new immigrants based on the driving history and vehicle of the policyholder, as well as other factors. If you're looking to get a reduced rate, consider taking a Canadian driving course. Canadian insurers won’t necessarily credit driving history from outside the country.
What are car insurance rates in Niagara for high-risk drivers?
Car insurance in Niagara for high-risk drivers may cost more than it will elsewhere in Ontario. Since we know insurance premiums in the Niagara Region can be above the provincial average, it should be no surprise that high-risk drivers in the Niagara Region might also pay more. But don't forget these rates vary based on your personal driving history and your vehicle among other factors.
As a rule high-risk drivers pay more than others since their histories can include driving while impaired, driving offence convictions, or at-fault accidents. Drivers with these in their past are considered more likely to need financial compensation from an insurer. When shopping around for different policy options using LowestRates.ca, all drivers — even high-risk ones -— can find premiums that best fit their needs and budget.
How can I reduce my car insurance premiums in Niagara?
You have the power to lower your premiums. If you’re looking to purchase a car, pick a simple model or a pre-owned one. Vehicles lacking complicated options to fix in case of collision or which aren’t attractive to thieves typically cost less to insure compared to new high-performance or luxury models.
Taking advantage of discounts offered by your Niagara car insurance company, such as those for taking driver education or for using winter tires, can also help reduce your bill.
Provided you own your car, not adding on extra collision insurance can cut your costs, and you can save further by making consistent payments.
To get cheap auto insurance in Niagara, your best course of action is to shop around. By using a comparison tool like LowestRates.ca, only a few minutes separate you from finding cheap car insurance in Niagara that fits your needs.
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*Represents the average saved by shoppers who obtained a Niagara auto insurance quote on LowestRates.ca 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 LowestRates.ca.