Guelph Car Insurance Quotes, Companies & Brokers

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Founded in 1827, Guelph’s name derives from the British monarch at that time, King George IV, and his family, the Hanovers. They in turn descended from the Guelfs, a more distant European dynasty. The Canada Company established the town as a headquarters for operations while developing the Huron Tract of land to the west. The town established its own presence as an industrial centre and survived past the days of the Company.

Today, Guelph’s diversified economy embraces manufacturing, education and life services. North America’s first cable TV system started in the city in 1953 with Queen Elizabeth’s Coronation.

Consistently at the bottom of urban crime statistics in Canada, the city maintains one of the lowest unemployment rates.

How Much is Car Insurance in Guelph Ontario

The table below shows Guelph car insurance cost for a sample driver.

Quote DateAverage Auto Insurance Cost in Guelph*
1-Jan-16$1,025
1-Jul-16$1,028
19-Mar-17$1,118

*Methodology: We used a sample profile for a male driver aged 30 years with his own vehicle having mandatory coverage. He drives a Honda Civic 2012 car with an average mileage of 5000 – 8000 km per year to commute to work. He has a clean driving record history of 5 years with no accidents or collisions.

We surveyed the car insurance prices in the city of Guelph for the purpose of illustrating the range in quotes based on driving record, location, and other criteria. To get a customized quote, enter your postal code above.

Affordable Car Insurance in Guelph

Ontario’s car insurance system, regulated by the provincial government, requires mandatory coverage on all vehicles using the province’s roads. Private insurance companies underwrite policies for the market while agents, brokers and direct writers sell these to auto insurance consumers. In this competitive market, every company develops its own formula to balance the factors affecting insurance premium pricing.

Obtaining the best rates on auto insurance requires drivers to shop around, comparing aggressively. Prices between insurance companies frequently vary, sometimes quite dramatically. It’s only through careful comparison that insurers with the lowest rates for each driver become obvious.

While the standard Ontario policy is the same for everyone, optional products and coverage, called endorsements, adapt basic insurance and provide every motorist with customized coverage. Endorsements add additional coverage to the mandatory policy as well as additional products and features. Collision and comprehensive insurance aren’t required by the government, but most motorists add these to reduce their financial exposure. Without these add-ons, a driver would pay all the costs associated with repairing or replacing a car after an accident.

Drivers can lower their premiums several ways. Increasing deductible amounts puts more of the post-incident load on the driver, but in return insurance premiums go down. Most insurance companies apply discounts to policies when a driver meets certain requirements and requests the discount. Insurers generally don’t apply discounts automatically.

The city of Guelph has many insurance agents and brokers from which to choose. In addition to those, direct insurance writers market through the Internet, issuing policies to consumers without agents or brokers.

Driving in Guelph

  • Guelph sits a few kilometers north of the 401, northeast of Cambridge and east of Kitchener-Waterloo. Access to the 401 uses Highway 6 south or Gordon Road, Regional Road 46, at the Morriston interchange. Traffic on the sections of the 401 near Guelph can be heavy at times but rarely descends to stop and go speeds without an accident or poor weather conditions.
  • There are service centres off the 401 in both directions about halfway between the Highway 6 interchange and Highway 24 in Cambridge.
  • Toronto’s Pearson Airport is 74 km from downtown Guelph, about 53 minutes of driving via the 401, depending on traffic.
  • Highway 6 is named Hanlon Expressway in town and the Ministry of Transportation has plans to extend the Expressway to Kitchener. Merging with the Conestoga Parkway at the Wellington Street interchange, the Hanlon Expressway will also upgrade to controlled access over its length. As this road turns to the west to the K-W area, it will change from the approximate north-south orientation of Highway 6 to the more east-west direction of Highway 7, which currently connects to Kitchener on the west and Acton to the east.
  • The original plan for the town site used the natural bow in the Speed River to lay out a radial grid reminiscent of European towns. These original streets remain and many of them retain Victorian buildings over a century old.
  • While some traffic congestion occurs during rush hour in the city itself, it is not particularly heavy or long lasting compared with other cities in the region.

List of Driving Schools in Guelph Ontario

NameAddressPhone
St Andrews Insurance Brkr19 Elsley Crt, Guelph, ON N1C 1C8519-824-8484
Simply Practical Advice206 Rickson Ave, Guelph, ON N1G 4Y6226-780-8608
Allstate Insurance Company Of Canada6-160 Kortright Rd W, Guelph, ON N1G 4W25198241899
Colley Insurance1-34 Harvard Rd, Guelph, ON N1G 4V8519-824-4040
McKellar Structured Settlements Inc100-649 Scottsdale Dr, Guelph, ON N1G 4T7519-836-1672
The Ostic Group150 Research Ln, Guelph, ON N1G 4T2519-827-9377
State Farm Insurance220 Edinburgh Rd S, Guelph, ON N1G 2J4519-763-5229
Cremasco Partners Inc585 Scottsdale Dr, Guelph, ON N1G 3E7519-837-1530
State Farm Insurance2-20 Cowan Pl, Guelph, ON N1G 0C1519-830-0996
MDM Insurance Services Inc834 Gordon St, Guelph, ON N1G 1Y7226-780-7207
Sutherland Insurance240 Victoria Rd N, Guelph, ON N1E 6L8226-314-0948
Glista Insurance Solutions490 York Rd, Guelph, ON N1E 6V1519-265-2644
Steele And Ferraro Insurance Brokers Limited23 Victoria Rd N, Guelph, ON N1E 5G6519-823-1310
Stephenson Don Insurance Ltd5 Eramosa Rd, Guelph, ON N1E 2L2226-780-5956
The Co-Operators4-265 Eramosa Rd, Guelph, ON N1E 2M7519-767-3090
State Farm Insurance209 Eramosa Rd, Guelph, ON N1E 2M5519-836-1283
Carter Insurance Group Inc222 Speedvale Ave E, Guelph, ON N1E 1M7519-824-4610
Westpro Contract Services Ltd33 Kerr Cres, Guelph, ON N0B 2J0519-766-9462
BrokerLink86 Woodlawn Rd W, Guelph, ON N1H 1B2519-836-9949
State Farm Insurance53 Speedvale Avenue West, Guelph, ON N1H 1J6519-822-4087
Nova Insurance Group Inc188 Waterloo Ave, Guelph, ON N1H 3J3519-823-2665
Sun Life Financial/Darren Devine413 Waterloo Ave, Guelph, ON N1H 3K3519-780-1730
Wellington Insurance Brokers264 Woolwich St, Guelph, ON N1H 3W1519-823-5800
Rose Reinhart Primerica Financ345 Woolwich St, Guelph, ON N1H 3W4519-763-9478
State Farm Insurance344 Woolwich St, Guelph, ON N1H 3W5519-827-9265
Jeffery & Spence Ltd Insce130 Paisley St, Guelph, ON N1H 2P1226-780-8625
Aragentum Financial Inc15 Suffolk St E, Guelph, ON N1H 2H7226-778-1844
Ontario School Boards' Insurance Exchange91 Westmount Rd, Guelph, ON N1H 5J2519-767-2182
All-Risks Insurance Brokers Limited340 Woodlawn Rd W, Guelph, ON N1H 7K6519-829-1747
Kennedy Stedman & Associates10B-291 Woodlawn Rd W, Guelph, ON N1H 7L6519-836-3010
Roy Lewis Insurance Brokers Ltd336 Speedvale Ave W, Guelph, ON N1H 7M7226-780-0083
Amplex Insurance Brokers Ltd109-450 Speedvale Ave W, Guelph, ON N1H 7Y6226-780-7213
Halwell Mutual Insurance Company812 Woolwich St, Guelph, ON N1H 6J2519-836-2860
RBC Insurance975B-975 Paisley Rd, Guelph, ON N1K 1X6519-767-3777
State Farm Insurance355 Elmira Rd N, Guelph, ON N1K 1S5519-826-7869
State Farm Insurance1453 Gordon St, Guelph, ON N1L 1C9519-822-9090
The Co-operators5-403 Arkell Rd, Guelph, ON N1L 1E5519-837-0026

Road Information for Guelph

Driving Facts for Guelph

  • Highway 6 extends from Port Dover on the Lake Erie shore, through Hamilton and Guelph, north to Owen Sound and Tobermory. It resumes on Manitoulin Island and continues to Highway 17 at McKerrow. The MS Chi-Cheemaun ferry connects Tobermory to Manitoulin Island from May to October. Highway 6 is one of only two Ontario highways connected mid-way by a ferry.
  • Highway 6 dates back to the first planned highways system in 1920. It wasn’t designated with a number until 1925. It roughly follows the route of a pioneer wagon trail. One section of Highway 6, south of Guelph and the 401, remains two lanes wide due to several small settlements and lack of available land to expand its width to four lanes. This is one of the few places near Guelph that’s regularly prone to traffic tie-ups.
  • Highway 7 once spanned Ontario west to east, from Sarnia to Ottawa, a distance of 716 km. Development of Highway 402 from Sarnia to London reduced the load on Highway 7 and it transferred to regional and county jurisdiction. To the east of Guelph, toll Highway 407 caused another transfer of control of parts of Highway 7. LikeHighway 6, Highway 7 dates back to Ontario’s original highway network, laid out in 1920.

List of Insurance Companies and Brokers in Guelph

NameAddressPhone
St Andrews Insurance Brkr19 Elsley Crt, Guelph, ON N1C 1C8519-824-8484
Simply Practical Advice206 Rickson Ave, Guelph, ON N1G 4Y6226-780-8608
Allstate Insurance Company Of Canada6-160 Kortright Rd W, Guelph, ON N1G 4W25198241899
Colley Insurance1-34 Harvard Rd, Guelph, ON N1G 4V8519-824-4040
McKellar Structured Settlements Inc100-649 Scottsdale Dr, Guelph, ON N1G 4T7519-836-1672
The Ostic Group150 Research Ln, Guelph, ON N1G 4T2519-827-9377
State Farm Insurance220 Edinburgh Rd S, Guelph, ON N1G 2J4519-763-5229
Cremasco Partners Inc585 Scottsdale Dr, Guelph, ON N1G 3E7519-837-1530
State Farm Insurance2-20 Cowan Pl, Guelph, ON N1G 0C1519-830-0996
MDM Insurance Services Inc834 Gordon St, Guelph, ON N1G 1Y7226-780-7207
Sutherland Insurance240 Victoria Rd N, Guelph, ON N1E 6L8226-314-0948
Glista Insurance Solutions490 York Rd, Guelph, ON N1E 6V1519-265-2644
Steele And Ferraro Insurance Brokers Limited23 Victoria Rd N, Guelph, ON N1E 5G6519-823-1310
Stephenson Don Insurance Ltd5 Eramosa Rd, Guelph, ON N1E 2L2226-780-5956
The Co-Operators4-265 Eramosa Rd, Guelph, ON N1E 2M7519-767-3090
State Farm Insurance209 Eramosa Rd, Guelph, ON N1E 2M5519-836-1283
Carter Insurance Group Inc222 Speedvale Ave E, Guelph, ON N1E 1M7519-824-4610
Westpro Contract Services Ltd33 Kerr Cres, Guelph, ON N0B 2J0519-766-9462
BrokerLink86 Woodlawn Rd W, Guelph, ON N1H 1B2519-836-9949
State Farm Insurance53 Speedvale Avenue West, Guelph, ON N1H 1J6519-822-4087
Nova Insurance Group Inc188 Waterloo Ave, Guelph, ON N1H 3J3519-823-2665
Sun Life Financial/Darren Devine413 Waterloo Ave, Guelph, ON N1H 3K3519-780-1730
Wellington Insurance Brokers264 Woolwich St, Guelph, ON N1H 3W1519-823-5800
Rose Reinhart Primerica Financ345 Woolwich St, Guelph, ON N1H 3W4519-763-9478
State Farm Insurance344 Woolwich St, Guelph, ON N1H 3W5519-827-9265
Jeffery & Spence Ltd Insce130 Paisley St, Guelph, ON N1H 2P1226-780-8625
Aragentum Financial Inc15 Suffolk St E, Guelph, ON N1H 2H7226-778-1844
Ontario School Boards' Insurance Exchange91 Westmount Rd, Guelph, ON N1H 5J2519-767-2182
All-Risks Insurance Brokers Limited340 Woodlawn Rd W, Guelph, ON N1H 7K6519-829-1747
Kennedy Stedman & Associates10B-291 Woodlawn Rd W, Guelph, ON N1H 7L6519-836-3010
Roy Lewis Insurance Brokers Ltd336 Speedvale Ave W, Guelph, ON N1H 7M7226-780-0083
Amplex Insurance Brokers Ltd109-450 Speedvale Ave W, Guelph, ON N1H 7Y6226-780-7213
Halwell Mutual Insurance Company812 Woolwich St, Guelph, ON N1H 6J2519-836-2860
RBC Insurance975B-975 Paisley Rd, Guelph, ON N1K 1X6519-767-3777
State Farm Insurance355 Elmira Rd N, Guelph, ON N1K 1S5519-826-7869
State Farm Insurance1453 Gordon St, Guelph, ON N1L 1C9519-822-9090
The Co-operators5-403 Arkell Rd, Guelph, ON N1L 1E5519-837-0026

If you’re living in Guelph and shopping for car insurance, Ratelab’s car insurance calculator is your best tool. Simply enter your residential postal code below and fill out the information that the calculator guides you through. You’ll receive up to 10 quotes, starting with the lowest cost alternative. Armed with these estimates, you’re in position to arrange the best, most affordable coverage for your car insurance needs.

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