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Things to Know Before Getting Guelph Car Insurance
Here are some things specific to Guelph that you may want to consider before getting car insurance:
- Location: Guelph is a relatively small city in Ontario, but your specific location within the city can affect your insurance rates. If you live in a neighborhood with a high rate of accidents or thefts, you may have to pay more for insurance.
- Weather: Guelph experiences a range of weather conditions throughout the year, including heavy snowfall in the winter. If you drive during the winter months, you may want to consider purchasing comprehensive coverage, which can help protect your vehicle in case of weather-related damage.
- Commute: If you commute to work or school, the distance you drive each day can affect your insurance rates. Additionally, if you use your vehicle for business purposes, you may need to purchase additional coverage.
- Discounts: There may be discounts available to you based on various factors, such as your age, driving history, or the type of vehicle you drive. Be sure to ask your insurance provider about any available discounts to help reduce your premiums.
- Insurance providers: It’s important to shop around and compare rates from different insurance providers to find the best coverage for your needs and budget. Some providers may offer better rates or coverage options than others, so be sure to do your research.
Guelph Car Insurance Facts
Here are some car insurance facts specific to Guelph, Ontario, Canada:
- Average Cost by Age: According to the Insurance Bureau of Canada, the average cost of car insurance in Guelph for drivers under 25 is approximately $3,000 per year, while drivers aged 25-34 pay an average of $1,676 per year.
- Neighborhood Impact: The neighborhood you live in can impact your car insurance rates in Guelph. For example, drivers living in neighborhoods with higher rates of accidents, thefts, or vandalism may face higher insurance rates.
- Winter Tires: In Ontario, drivers are required to have winter tires installed on their vehicles from December 1 to March 31. Some insurance providers offer discounts to drivers who use winter tires, which can help reduce the cost of car insurance in Guelph.
- Insurance Providers: There are many insurance providers in Guelph and the surrounding area, including both large national providers and smaller local providers. Some popular providers in Guelph include Co-operators, State Farm, and Allstate.
- Discounts: Many insurance providers offer discounts to drivers who take steps to reduce their risk of accidents or theft, such as installing an anti-theft device, completing a defensive driving course, or bundling their insurance policies.
What is the Average Car Insurance Rate in Guelph?
The average annual cost of car insurance in Guelph is approximately $1,574.
Average car insurance costs in Guelph, the monthly costs for different driver profiles for liability only, liability + collision, and full coverage may range as follows:
Note that the actual cost of car insurance may vary depending on factors such as the driver’s age, driving record, type of vehicle, coverage options, and insurer. It’s important for drivers to compare quotes from multiple insurers to find the best coverage and rates for their individual needs.
| Driver Profile | Liability Only | Liability + Collision | Full Coverage |
|---|---|---|---|
| G1 Driver | $120-$140 | $160-$180 | $200-$220 |
| G2 Driver | $110-$130 | $150-$170 | $190-$210 |
| Full G | $100-$120 | $140-$160 | $180-$200 |
| Teenage Driver | $300-$400 | $500-$600 | $700-$800 |
| Young Driver | $170-$200 | $250-$300 | $330-$370 |
| High-risk Driver | $250-$350 | $420-$520 | $590-$690 |
| Occasional Driver | $70-$90 | $100-$120 | $130-$150 |
| Pleasure Driver | $80-$100 | $120-$140 | $160-$180 |
| Commuting Driver | $120-$140 | $160-$180 | $200-$220 |
| Good Driver | $70-$90 | $100-$120 | $130-$150 |
| Bad Driver | $250-$350 | $420-$520 | $590-$690 |
| New Driver | $170-$200 | $250-$300 | $330-$370 |
| Secondary Driver | $80-$100 | $120-$140 | $160-$180 |
| 17 Years Old | $300-$400 | $500-$600 | $700-$800 |
| Seniors | $70-$90 | $100-$120 | $130-$150 |
| Over 55 Years Old | $70-$90 | $100-$120 | $130-$150 |
| Students | $120-$140 | $160-$180 | $200-$220 |
| International Driver | $250-$350 | $420-$520 | $590-$690 |
| Newcomers | $250-$350 | $420-$520 | $590-$690 |
| Men Driver | $110-$130 | $150-$170 | $190-$210 |
| Women Driver | $100-$120 | $140-$160 | $180-$200 |
| Married Couples | $80-$100 | $120-$140 | $160-$180 |
| Usage-Based | $70-$120 | $120-$170 | $170-$220 |
| Uber/Lyft | $150-$200 | $250-$300 | $350-$400 |
| Personal Use | $80-$100 | $120-$140 | $160-$180 |
| Business Use | $150-$200 | $250-$300 | $350-$400 |
| Commercial Use | $250-$350 | $420-$520 | $590-$690 |
Average car insurance costs in Guelph, the monthly costs for different types of cars for liability only, liability + collision, and full coverage for a driver profile of age 35, married, with a clean driving record may range as follows:
| Car Type | Liability Only | Liability + Collision | Full Coverage |
|---|---|---|---|
| Sedan | $80-$100 | $120-$140 | $160-$180 |
| Convertible | $140-$200 | $250-$300 | $360-$410 |
| Hatchback | $80-$100 | $120-$140 | $160-$180 |
| Wagon | $90-$110 | $130-$150 | $170-$190 |
| Coupe | $100-$120 | $150-$170 | $200-$220 |
| SUV | $140-$160 | $180-$200 | $220-$240 |
| Truck | $100-$120 | $150-$170 | $200-$220 |
| Minivans | $90-$110 | $130-$150 | $170-$190 |
| Van | $140-$160 | $180-$200 | $220-$240 |
| Electric Car | $150-$200 | $270-$320 | $380-$430 |
| Hybrid Car | $100-$120 | $150-$170 | $200-$220 |
| Multi Car | $80-$100 | $120-$140 | $160-$180 |
| Exotic Car | $400-$500 | $650-$750 | $900-$1000 |
| Luxury Car | $300-$400 | $500-$600 | $700-$800 |
| Classic Car | $240-$290 | $360-$410 | $480-$530 |
| Vintage Car | $240-$290 | $360-$410 | $480-$530 |
| Sports Car | $240-$290 | $360-$410 | $480-$530 |
| Leased cars | $100-$120 | $150-$170 | $200-$220 |
| 2 Door | $100-$120 | $150-$170 | $200-$220 |
Average car insurance costs in Guelph, the monthly costs for a driver profile of age 35, married, based on their driving history may range as follows:
| Driving History | Liability Only | Liability + Collision | Full Coverage |
|---|---|---|---|
| 1 one at-fault accident | $140-$160 | $200-$220 | $260-$280 |
| 2 one at-fault accidents | $260-$310 | $420-$470 | $580-$630 |
| 1 non-fault accident | $70-$90 | $100-$120 | $130-$150 |
| DUI conviction | $290-$340 | $460-$510 | $630-$680 |
| 1 Speeding Ticket | $70-$90 | $100-$120 | $130-$150 |
| 2 Speeding Tickets | $120-$140 | $180-$200 | $240-$260 |
How Does Guelph’s Average Car Insurance Cost Compare to Other Cities in Ontario?
Here’s a list of average car insurance rates in selected cities in Ontario, Canada:
- Toronto – $2,186
- Mississauga – $1,921
- Brampton – $1,876
- Markham – $1,798
- Vaughan – $1,795
- Hamilton – $1,766
- Oakville – $1,781
- Kitchener – $1,631
- London – $1,632
- Guelph – $1,574
Which Car Has the Cheapest Car Insurance in Guelph?
| Model | Average Car Insurance Cost In Guelph |
| Honda Civic | $1,325 |
| Toyota Corolla | $1,321 |
| Mazda3 | $1,351 |
| Hyundai Elantra | $1,311 |
| Ford Focus | $1,302 |
| Volkswagen Jetta | $1,378 |
| Nissan Sentra | $1,358 |
| Kia Forte | $1,320 |
| Chevrolet Cruze | $1,317 |
| Subaru Impreza | $1,345 |
How to Get the Cheapest Car Insurance in Guelph
If you’re looking for ways to find cheap car insurance in Guelph, here are some tips that are specific to the Guelph area:
- Drive safely: Guelph is a busy city with a lot of traffic, so it’s important to drive safely and obey traffic laws. A clean driving record can help lower your insurance rates.
- Compare quotes: Make sure to shop around and get quotes from several insurance companies in Guelph. This can help you find the best rates for your specific driving profile and insurance needs.
- Consider a higher deductible: Choosing a higher deductible can lower your monthly premiums. Just make sure you can afford to pay the deductible if you need to file a claim.
- Take advantage of discounts: Many insurance companies offer discounts for things like bundling policies, completing a driver training course, or having a good credit score. Ask your insurance provider in Guelph about any discounts you may be eligible for.
- Drive a safe car: Certain types of cars are more expensive to insure than others. Vehicles with high safety ratings, anti-theft devices, and other safety features can help lower your insurance rates.
- Avoid car theft: Car theft can lead to higher insurance rates in Guelph. Be sure to park your car in a safe, well-lit area and invest in anti-theft devices like car alarms and steering wheel locks.
List of Best Car Insurance Companies in Guelph
Here are some of the best insurance companies in Guelph, based on factors such as customer satisfaction, financial stability, and range of insurance products offered:
- Co-operators Insurance: This Canadian-owned insurance company offers a wide range of insurance products, including home, auto, life, and business insurance. Co-operators has been ranked highly in customer satisfaction surveys and is known for its commitment to sustainability and social responsibility.
- Intact Insurance: Intact is one of Canada’s largest insurance companies and offers a range of insurance products, including auto, home, and business insurance. The company has a strong reputation for financial stability and offers a range of discounts to its customers.
- Aviva Canada: Aviva is a global insurance company with a strong presence in Canada. The company offers a wide range of insurance products, including auto, home, life, and business insurance. Aviva is known for its focus on digital innovation and customer service.
- Allstate Insurance: Allstate is a popular insurance company in Guelph, offering a range of insurance products, including auto, home, and life insurance. The company has a strong reputation for customer service and offers a range of discounts to its customers.
- RBC Insurance: RBC is a well-known Canadian financial institution that also offers insurance products, including auto, home, and life insurance. The company is known for its strong financial stability and offers a range of discounts to its customers.
Best Car Insurance Brokers in Guelph
Here are some independent car insurance brokers in Guelph that are well-regarded in the community:
- Gifford Carr Insurance Group: Gifford Carr is an independent insurance brokerage that offers a wide range of car insurance options. They are known for their personalized service and their ability to find the best insurance solutions for their clients.
- Duliban Insurance Brokers Ltd: Duliban Insurance is an independent insurance brokerage that offers a range of car insurance products. They are known for their exceptional customer service and their ability to find customized insurance solutions for their clients.
- Erb and Erb Insurance Brokers Ltd: Erb and Erb is a family-owned insurance brokerage with over 100 years of experience. They offer a range of car insurance options and are known for their personalized service and their commitment to finding the best insurance solutions for their clients.
- Excel Insurance and Risk Management: Excel Insurance is an independent insurance brokerage that specializes in risk management. They offer a range of car insurance products and are known for their expertise and their ability to find customized insurance solutions for their clients.
- Mitchell & Whale Insurance Brokers Ltd: Mitchell & Whale is an independent insurance brokerage that offers a wide range of car insurance options. They are known for their exceptional customer service and their commitment to finding the best insurance solutions for their clients.
Tips for Drivers in Guelph
If you are a driver in Guelph, Ontario, Canada, here are some tips to keep in mind:
- Watch out for pedestrians: Guelph is known as a pedestrian-friendly city, and there are many sidewalks, crosswalks, and bike lanes throughout the city. Always be aware of pedestrians and cyclists, especially in busy areas such as downtown and around schools.
- Follow speed limits: Guelph has many residential neighborhoods with lower speed limits, so be sure to obey posted speed limits and slow down in areas with heavy foot traffic.
- Watch for wildlife: Guelph is surrounded by green space and natural areas, and there is a lot of wildlife in the area. Be extra cautious when driving in rural areas and watch for deer, coyotes, and other animals that may be crossing the road.
- Use public transportation: Guelph has a good public transportation system, including buses and a train service. Consider using public transportation to reduce traffic congestion and save money on gas and parking fees.
- Be prepared for winter driving: Guelph experiences heavy snowfall in the winter, so be sure to have winter tires, a snow brush and scraper, and other necessary equipment in your vehicle. Drive slowly and carefully on snowy and icy roads to avoid accidents.
- Avoid distracted driving: Distracted driving is illegal in Ontario, and it can be dangerous. Avoid using your phone, eating, or doing other distracting activities while driving to stay focused and safe on the road.
What are the Most Dangerous Intersections in Guelph?
The City of Guelph regularly monitors traffic safety and identifies areas of concern to improve safety for drivers, pedestrians, and cyclists. Some of the intersections in Guelph that have been identified as having a higher incidence of accidents and safety concerns include:
- Stone Road and Edinburgh Road
- Stone Road and Gordon Street
- Speedvale Avenue and Edinburgh Road
- Wellington Street and Edinburgh Road
- Eramosa Road and Stevenson Street
- Speedvale Avenue and Imperial Road
- York Road and Watson Road
- Clair Road and Gordon Street
- Wellington Street and Gordon Street
- Scottsdale Drive and Stone Road
Total Reportable Collisions in Guelph, 2013 – 2021
The total number of reportable collisions in Guelph, Ontario, Canada for the years 2013-2021, based on the data provided by the Guelph Police Service.
- In 2013, there were 2,342 reportable collisions in Guelph.
- In 2014, there were 2,216 reportable collisions in Guelph.
- In 2015, there were 2,267 reportable collisions in Guelph.
- In 2016, there were 2,392 reportable collisions in Guelph.
- In 2017, there were 2,432 reportable collisions in Guelph.
- In 2018, there were 2,391 reportable collisions in Guelph.
- In 2019, there were 2,438 reportable collisions in Guelph.
- In 2020, there were 1,724 reportable collisions in Guelph.
- In 2021, the data is not yet available.
About the Author: Valerie D. Hahn
Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.
