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What our users say:

Excellent
Based on 505 reviews
September 22
Was pleasantly surprised by the prompt…
Was pleasantly surprised by the prompt response to my enquiry online. Hope it's ...
Mishu K
August 17
Insurance quote
Within a few hours I received a call from a broker who explained the type of ins...
Louise Olivier
August 5
Received a call before I was even…
Received a call before I was even finished submitting information. Super fast se...
Robert Chiasson
August 4
Insurance Premiums
I got all the information I needed with the lowest Auto and Home insurance premi...
joseph almeida
August 4
A click and I was a few minutes away my 50% savings!!
A click and few answers to questions and I got a quote almost half the price of ...
Laurentia
August 4
Great service!
Great service!
Linda RitaOlivier
August 3
They respond very quickly
They respond very quickly. They are very understandable. The representative I sp...
Nuwara47
August 3
Excellent
They help and did a great job assisting in new insurance
Serena MarieCasto
August 2
The agent name, Justin Farr
The agent name, Justin F. was very helpful, kind, and patient. I will surely get...
JessicaMercado
August 2
Quick efficient and very helpful đź‘Ś
Quick efficient and very helpful đź‘Ś
Khalilulla Razzaque
August 2
dick
Web page was quick and easy to use
Richard
August 1
Great Customer Service & easy to get a…
Great Customer Service & easy to get a quote in minutes. Car Insurance premium a...
Nadeem Sheikh
July 30
Good experience was pretty quick
Good experience was pretty quick
Grant W.Murray
July 29
The agent was friendly
The agent was friendly, helpful and polite. All in all a good experience.
KaneezAla
July 29
Extremely simple
Extremely simple, and fast process.
JaniceGiannitti
July 26
excellent
excellent, professional service
SabinBaidoc
July 23
Very kind and helpful
Very kind and helpful
April Shannon
July 22
Easy to find easy to use website which…
Easy to find easy to use website which provided me with options.
Randall McLellan
July 22
Excellent service
Excellent service
Sven Zorz
July 21
They were great
They were great
ChristinaLain
July 21
Excellent pricing
Excellent pricing
pankaj joshi

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

We can help you find cheap car insurance in Peterborough.

Peterborough drivers don’t have to deal with the day-to-day gridlock and sky-high auto insurance prices of big cities like Toronto.

But Peterborough drivers still need to shop around for the best insurance rates to keep their vehicle ownership costs down.

We can help with that. At LowestRates.ca, you can compare Peterborough auto insurance quotes from multiple insurance companies in just minutes.

We’ll connect you with a Peterborough car insurance broker or agent who will lock in your new rate.

Keep reading to learn more about how car insurance works in Peterborough.

Ready to start comparing now? Enter your postal code and we’ll get to work finding you a better price on your Peterborough car insurance.

Front view of a car. Illustration.

See how our customers save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from September 29, 2022
Customer
Male, 21 years old
Location
peterborough
Vehicle
2023 HYUNDAI ELANTRA PREFERRED 4DR
Lowest Rate
$374/mth
$4,486/yr
Average Rate
$555/mth
$6,660/yr
Saved
$181/mth
32.64%
Quote from September 29, 2022
Customer
Male, 25 years old
Location
peterborough
Vehicle
2011 JAGUAR XJL 4DR
Lowest Rate
$343/mth
$4,121/yr
Average Rate
$528/mth
$6,337/yr
Saved
$185/mth
34.97%

Focus on

Driving in Peterborough.

Most popular cars in Peterborough.

According to our data, Peterborough drivers prefer these vehicle brands:

Popular Brands

  1. Ford
  2. Honda
  3. BMW
  4. Dodge
  5. Chrysler

Who shops for auto insurance in Peterborough?

Based on our data, here's who's shopping for auto insurance in Peterborough:

Gender of our users

Male
58%
Female
42%

Average Age

30

years old

Tickets & Accidents

Have Tickets
17%
Have Had Accidents
11%

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

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 equal 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 another 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.

Your questions about car insurance in Peterborough, answered.

How much is car insurance in Peterborough?

Because car insurance companies take many different variables into account, the cost of car insurance in Peterborough will vary for everyone. Without a clear view of your driving history and your insurance needs, it’s hard to estimate your Peterborough car insurance costs.

We recommend applying for quotes and not relying on Peterborough car insurance calculators. When you apply for quotes, you will be asked to answer more detailed questions about the car you’re looking to insure, the number of people expected to use it, as well as your driving and insurance histories. To get a better sense of how much car insurance in Peterborough will cost, you’ll need to provide more information than calculators usually require.

Which Peterborough postal code has the highest average car insurance premiums?

According to LowestRates.ca data, the Peterborough postal code with the highest average car insurance premiums is the K9K region, just west of the city’s downtown.

Which Peterborough postal code has the lowest average car insurance premiums?

According to LowestRates.ca data, the Peterborough postal code with the lowest average car insurance premiums is the K9J region, just south of the downtown.

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

Using LowestRates.ca data, we benchmarked Peterborough car insurance prices to other communities in Eastern Ontario to see how they compare:

  • Bobcaygeon 34% lower
  • Lindsay 5% lower
  • Port Perry 3% higher
  • Oshawa 24% higher

While geography does play some part in determining your car insurance premiums, we recommend focusing more on the variables you can control. Namely, your driving record.

Compare Peterborough car insurance quotes online and see which Canadian car insurance companies favour you. There's usually a wide variation in prices.

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

There isn’t one car insurance company that offers cheap auto insurance quotes to every Peterborough driver that applies for a policy.

Car insurance premiums are highly customized products, tailored to your driving history.

If finding cheaper auto insurance rates in Peterborough is your goal, we recommend focusing on reducing your own risk by being a safe driver. You can also find better auto insurance quotes in Peterborough by shopping the market ahead of your policy’s renewal date.

Different car insurance companies offer different rates. We can help you find a car insurance company serving Peterborough that can offer you a lower rate.

What factors determine my car insurance rates in Peterborough?

There are a number of factors that determine your car insurance rates in Peterborough. Here are some to consider:

  • Your mileage
  • Your postal code
  • Your driving record
  • Your age
  • Your policy type

Car insurance rates for Peterborough seniors

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

Car insurance rates for Peterborough students

Car insurance for new drivers in Peterborough is expensive, due to new drivers lacking a driving track record. Here are some strategies new drivers can try right now to make your Peterborough car insurance more affordable:

  • Get on your parents’ insurance.
  • Apply for student discounts offered by your insurance company.
  • Complete a driver’s education course.

It can be challenging for new drivers to find cheap car insurance in Peterborough. However, we’ve found that young people can find dramatic savings by comparing Peterborough car insurance quotes.

Peterborough car insurance rates for new immigrants

Ask your old insurance company to provide a reference to your new Ontario insurer. If you can prove that you have a history of being insured, it will reduce your car insurance costs.

Peterborough car insurance rates for high-risk drivers

It’s hard to find cheap car insurance in Peterborough as a high-risk driver but there are insurance companies that cater to high-risk drivers. You can always purchase facility insurance, which is a pool that is funded by Canadian insurance companies to offer coverage to high-risk drivers.

More tips on reducing your car insurance premiums in Peterborough

  • Install snow tires. Peterborough gets much more snow than towns near Hwy. 401 do, so remember to equip your vehicle with tires that have the proper tread. Not only will this help keep you safe, but it will also net you a winter tire discount from your car insurance company.
  • Be mindful of the reduced speed limit on roads nearby schools and universities.  Avoiding accidents by practicing defensive driving will help keep your car insurance low.
  • As you age, you can expect to see your car insurance premiums shrink. You can accelerate the process by signing up for a telematics program, which gives your car insurance company has the ability to monitor your driving habits via a smartphone app. You'll get a small discount upfront on your annual premium when you sign up plus another discount at renewal. 
  • Another note on safe driving in Peterborough: take extra care on those one-way streets. Like many mid-sized Ontario towns, Peterborough's main streets are one-way. George Street runs south and Water Street runs north. Be careful when you enter and exit these one-way streets and look out for drivers who aren't familiar with them.
Alexandra Bosanac

Alexandra Bosanac

About the Author

Alexandra Bosanac is the Core Content Manager for LowestRates.ca. Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.

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