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What our users say:

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 ...
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...
August 3
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...
August 2
Quick efficient and very helpful 👌
Quick efficient and very helpful 👌
Khalilulla Razzaque
August 2
Web page was quick and easy to use
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.
July 29
Extremely simple
Extremely simple, and fast process.
July 26
excellent, professional service
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
July 21
Excellent pricing
Excellent pricing
pankaj joshi

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

We can help you find cheap car insurance in St. Catharines.

It can be expensive to own and drive a car in St. Catharines. The good news? You’re not stuck with your current car insurance premium.

We’ve saved drivers in St. Catharines hundreds of dollars a year by shopping the car insurance market for them. In just three minutes, we compare rates from car insurance companies in St. Catharines. All it takes is some basic information about you and the vehicle you're looking to insure.

Enter your postal code now to get an estimate for car insurance in St. Catharines. Next, we'll connect you with a car insurance broker serving St Catharines who can help you lock in your new policy and take advantage of great rates.

Or, keep reading to learn more about how car insurance works in St. Catharines.

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See how our customers save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from September 30, 2022
Male, 44 years old
st catharines
Lowest Rate
Average Rate
Quote from September 30, 2022
Female, 25 years old
st catharines
Lowest Rate
Average Rate

Focus on

Driving in St. Catharines.

Most popular cars in St. Catharines

The popularity of cars in St. Catharines is different from other cities in Ontario. According to data from, these are the most popular vehicles in the city.

Popular Brands

  1. Honda
  2. Hyundai
  3. Chevrolet
  4. Toyota
  5. Ford

Who shops for auto insurance quotes in St. Catharines?

With so many cars and so many drivers,  the roads in St. Catharines see quite a bit of traffic. Based on our data, here's who's looking for car insurance estimates in St. Catharines.

Gender of our users


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

What can I do to get cheap car insurance in St. Catharines?

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.

Your questions about car insurance in St. Catharines, answered.


How much is car insurance in St. Catharines?

The price of car insurance in St. Catharines will vary from driver to driver. On average, car insurance premiums in St. Catharines are about 50% per year higher than the Ontario average.

That said, almost no one pays the city average. The rate you're offered depends a lot on your individual circumstance. Everyone's insurance and driving histories are unique, plus there are other factors that insurers use to calculate your rate, including your gender, age, and postal code. Your specific rate may be higher or lower than the average rate.

Which St. Catharines postal code has the highest average car insurance premiums?

One of the biggest factors that will affect whether you can get affordable car insurance in St. Catharines is where you live. Those who live in postal code L2T have the highest average car insurance premiums. The L2T area is bordered to the north by the rail tracks, to the west by Twelve Mile Creek, to the south along St. David Road, and to the east by the Welland Canal.

Which St. Catharines postal code has the lowest average car insurance premiums?

Your address majorly influences what you’ll pay for automobile insurance in St. Catharines. On average, those who live in postal code L2N pay the cheapest for auto insurance in St. Catharines. This area is bordered by Lake Ontario to the north, Martindale Road in the west, the Queen Elizabeth Way highway to the south, and Vine St. to the east.

How do St. Catherines car insurance rates compare to other cities in Ontario?

Car insurance rates for neighbouring cities are comparable to St. Catharines'.

Drivers in St. Catharines pay on average 13% less for insurance than those in Niagara Falls see. It’s also 8% less than Niagara-on-the-Lake drivers’ annual premiums. That said, drivers in St. Catharines pay 5% more than drivers in nearby Welland and 10% more than those in Port Colborne.

Where do I get the cheapest car insurance quotes in St. Catharines?

To get the cheapest car insurance quotes in St. Catharines, you’ll want to compare rates from various companies. That’s because no auto insurance company in St. Catharines provides discounted rates to all customers who apply for coverage.

Car insurance policies are a custom product based on a number of factors — some of which are within your control (your driving history, your licence level) and some of which are out of your control (your age).

One way to ensure you’re getting the cheapest car insurance quotes is to use an online car insurance calculator for St. Catharines. An online rate comparison site such as makes it easy to compare rates from 50+ insurance providers in just a couple of minutes.

What factors affect the cost of car insurance in St. Catharines?

There are several different factors that affect the cost of car insurance in St. Catharines. Some of these factors are within your control, while others are not. Some factors that are within your control when it comes to car insurance in St. Catharines include:

  • Vehicle type. The type of vehicle you drive has a lot to do with your insurance premiums. A basic, utilitarian type vehicle will have lower premiums than a luxury, exotic, or another type of special vehicle.
  • Driving history. Your driving history is one of the most important factors when it comes to determining your auto insurance rates, and it is mostly within your control. Practice defensive driving, always follow the speed limit and rules of the road, and avoid aggressive driving to ensure your record remains spotless.
  • Vehicle use. People with a long daily commute will face higher insurance premiums than those who only use their vehicle for the occasional errand or trip.
  • Discounts. You may be eligible for discounts on your insurance — including student, driver’s education, or bundling. Ask your provider whether you qualify for any special savings program, and take advantage where you can.
  • Coverage. Finally, the amount of coverage you choose for your vehicle will affect your premium levels. This includes the amount of your deductible, with a higher deductible resulting in lower premiums than a lower deductible.

Factors that are outside of your control that will affect your insurance premiums include:

  • Age. Like it or not, young drivers pay higher insurance premiums than those in middle age. This is because they do not have the driving experience of their older counterparts, as well as lack an insurance history. Rates do begin to rise again for those 70+, as older drivers tend to have more accidents as they age. Car insurance for seniors in St. Catharines could be costly, as a result.
  • Gender. Whether you agree with it or not, men pay higher insurance premiums than women. This is because they tend to engage in riskier behaviours than their female counterparts, including speeding, drinking and driving, and driving without a seatbelt.
  • Postal code. Finally, your postal code has a big impact on your insurance rates. If your neighbours are making claims and having accidents, your insurance provider will deem you a higher risk as a result, and your premiums will be higher than someone who lives in an area with fewer claims.

When comparing rates, focus on the factors you can control rather than what you can’t in order to find the cheapest car insurance rates in St. Catharines. Don’t forget to compare car insurance quotes in advance of your policy renewal date. Insurance companies have different risk tolerance levels, meaning one may favour you more than your current insurance company and give you a lower rate. We can help you find a car insurance company serving St. Catharines that can offer you a lower rate.

What are car insurance rates in St. Catharines for students?

Car insurance for new drivers in St. Catharines, such as students, can be higher than insurance for more experienced drivers. This is because students often lack the driving history and experience of older drivers. If you’re looking for cheap car insurance in St. Catharines for new drivers such as students, ask about discounts for maintaining good grades, which many providers offer. They can also invest in a driver’s education program, which will help lower premiums.

What are car insurance rates in St. Catharines for new immigrants?

Like students, new immigrants are likely to face higher insurance premiums than most drivers in St. Catharines. This is because they lack a Canadian driving history and insurance history. One suggestion that may help new immigrants achieve lower insurance premiums is to ask your current insurance company for a letter that shows your history and driving record that you can present to your new, Canadian insurance provider.

What are car insurance rates in St. Catharines for high-risk drivers?

You’re likely to be put into the high-risk category with most insurance companies if you have several traffic convictions or have ever had your licence revoked. This high-risk designation means that insurance companies think that the likelihood of you needing to file a claim is high.

Because your chance of filing a claim is higher, insurance companies will charge you more. It can be challenging to find cheap auto insurance rates in St. Catharines as a high-risk driver, although there are a few insurance companies that cater specifically to high-risk drivers.

If you can’t secure standard insurance, you may be able to purchase facility insurance, which is a pool that is funded by Canadian insurance companies to offer coverage to high-risk drivers.

How can I reduce my car insurance premiums in St. Catharines?

The easiest way to reduce your car insurance premiums in St. Catharines is to focus on the factors that are within your control. Maintain a clean driving record, make your insurance payments on time, and choose the least amount of coverage that you require. Don’t forget to compare rates on a yearly basis ahead of your policy renewal to ensure that you’re getting the best rate possible. makes it easy to compare quotes from 50+ companies in just a matter of minutes.

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