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Niagara Falls is more than just a beautiful natural wonder. It’s become a go-to tourist destination connected with romantic getaways and honeymoons. In the middle 1800s, driven by artists’ depictions of the three cataracts tumbling over the Niagara Escarpment, visitors started touring the area to see the Falls and, increasingly, to spend time in the region.

Today, the Ontario city remains a popular, if gaudy, mecca for tourists. Most visitors arrive by car or tour bus. While the town has a railway station and passenger service through VIA Rail, it’s not widely used by tourists. The city itself is home to over 82,000 people, but its metro area accounts for almost 400,000 residents.

How Much Does Car Insurance Cost in Niagara Falls

The average cost of car insurance in Niagara Falls is $1,354.

Quote DateAverage Auto Insurance Cost in Niagara Falls*

*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 Niagara Falls 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 Niagara Falls

Under the insurance system in Ontario, only a basic amount of insurance is mandatory, but all cars in the province must carry it. Most motorists opt for more coverage since the cost of accident settlements can exceed the mandatory amounts of coverage. Private companies supply auto insurance, usually through agents or brokers.

Extended coverage beyond provincial minimums is easy to add and additional options can further customize auto insurance policies. Each addition increases costs, but many companies bundle popular services which may offer savings over adding features individually.

Cutting insurance costs doesn’t mean reducing protection across the board. For example, both comprehensive and collision coverage are optional in Ontario. A driver willing to assume the financial risk of repairing or replacing a vehicle could save money monthly by declining coverage. This may be practical for drivers with older, low-book value cars. Those driving newer vehicles purchased with financing may be bound to carry full coverage by their lenders.

Driving in Niagara Falls

  • Getting to Niagara Falls through Canada uses the Queen Elizabeth Way, a four-lane controlled-access highway that extends from the western boundary of Toronto to Fort Erie. Highway 420 connects the QEW with downtown Niagara Falls.
  • The international border between Canada and the United States roughly follows the center of the Niagara River from Fort Erie to Niagara-on-the-Lake. There are four bridges across the river, each with customs checkpoints for both countries. Two are within Niagara Falls itself. The Rainbow Bridge supports cars, bicycles, and foot traffic. The Whirlpool Bridge permits only pre-screened drivers carrying NEXUS cards. Queenston Bridge, to the north, and the Peace Bridge, at Fort Erie to the south, permit all traffic including commercial trucks.
  • The Niagara Parkway follows the Niagara River between Fort Erie and Niagara-on-the-Lake, passing through Niagara Falls about halfway. It’s a winding scenic drive with excellent views of the river and surrounding orchards and vineyards. The Niagara Region is the heart of one of two major grape and wine destinations in Canada. Wine tours (with designated drivers, of course) are popular with tourists and wineries extend most of the way to Hamilton.
  • Many visitors to Niagara Falls don’t realize that there is a regular “downtown” apart from Clifton Hill, which tourists regard as the main street. The Queen St. strip is north of the tourist region and resembles a typical Canadian small city downtown region.

Road Information for Niagara Falls

traffic camera

  • Traveler’s information and traffic reports for the Niagara Region are available through the Ministry of Transportation of Ontario. This includes both current and scheduled roadwork for provincially maintained roads.
  • The MTO also maintains a site linked to traffic camera images. A number of cameras in the Niagara Falls region show current traffic conditions, updated every few minutes.
  • Niagara Falls weather reports are available here.
  • A unique feature of the Niagara Falls area is bridge crossing conditions. You can find how long crossing should take to or from the U.S. at each of the four bridges using the website found here.

Driving Facts for Niagara Falls

  • The Rainbow Bridge in central Niagara Falls opened in 1941, replacing the Honeymoon Bridge, which collapsed in 1938 due to heavy ice in the Niagara Gorge destroying its footings. The collapse of the bridge was anticipated and no lives were lost. Thousands of people gathered to watch the bridge’s demise.
  • The first bridge spanning the Niagara Gorge was a suspension rail bridge, located at the site of the current Whirlpool Rapids Bridge. The river was initially crossed in a kite-flying competition. Successively larger ropes and cables were drawn across the span as part of the construction. The boy who flew the first kite across won a $5 prize.
  • The 55 km Niagara Parkway was once described by Winston Churchill as “the prettiest Sunday afternoon drive in the world.” The Parkway connects Forts Erie and George, at the south and north ends respectively. One of the oldest roads in Ontario, the southern section, from Chippewa to Fort Erie, was used as a towpath for boat traffic on the first Welland Canal. Oxen used the road to tow boats against the river’s current to the mouth of Lake Erie. At the start of the 20th Century, plans to make the Parkway a scenic drive began.
  • There is an American version of the Niagara Parkway. The Niagara Scenic Parkway (formerly the Robert Moses Parkway) is less than 30 km long and follows the edge of the Niagara River only from its southern start at Interstate 190 to an interruption across from Goat Island, resuming north of the Rainbow Bridge to the edge of the Niagara Escarpment, where it turns east, away from the river. The Scenic Parkway ends at Four Mile Creek State Park near Youngstown.

List of Niagara Falls Insurance Companies & Brokers

Frank Stranges Insurance7296 Woodgate St, Niagara Falls, ON L2J 3Z5905-354-0242
Fruci Financial Planning2895 St Paul Ave, Niagara Falls, ON L2J 2L3905-358-2761
Aon Reed Stenhouse Inc Insurance Brokers Risk Consultants3964 Portage Rd, Niagara Falls, ON L2J 2K9905-356-4000
The Co-operators3517B Portage Rd, Niagara Falls, ON L2J 2K5905-357-2667
Youngs Insurance Brokers5681 Thorold Stone Rd, Niagara Falls, ON L2J 1A1905-374-7000
State Farm Insurance4-6251 O’Neil St, Niagara Falls, ON L2J 1M6905-354-5696
Condotta Merrett & Co Insurance Brokers Inc3770 Montrose Rd, Niagara Falls, ON L2H 3K3905-356-7033
Allstate Insurance Company of Canada2-3969 Montrose Rd, Niagara Falls, ON L2H 3A1289-271-7386
State Farm Insurance4030 Montrose Rd, Niagara Falls, ON L2H 3E1905-357-4880
Bradley WardF3-7925 McLeod Rd, Niagara Falls, ON L2H 0G5905-357-6500
M Butler Insurance4746 Valley Way, Niagara Falls, ON L2E 1W1905-356-6635
Surnet Insurance Group5947 Biamonte Cres, Niagara Falls, ON L2E 1Y7905-354-2955
Olsen-Sottile Insurance Brokers Inc4307 Queen St, Niagara Falls, ON L2E 2K9905-357-2140
Thompson Insurance Brokers Inc4025 Dorchester Rd, Niagara Falls, ON L2E 6N1905-354-6868
Fena Insurance Solutions Inc2-4056 Dorchester Rd, Niagara Falls, ON L2E 6M9905-356-3362
State Farm Insurance4444D Drummond Rd, Niagara Falls, ON L2E 6C6905-357-2344
Robinson & Associates4129 Portage Rd, Niagara Falls, ON L2E 6A2905-358-0307
Michael Green Insurance Services Limited5-4728 Dorchester Rd, Niagara Falls, ON L2E 7H9905-374-8188
State Farm Insurance7282 Drummond Rd, Niagara Falls, ON L2G 7B5905-357-9310

Residents of Niagara Falls Ontario can take advantage of Ratelab’s car insurance calculator by entering the home postal codes below. Ratelab guides you through the rest of the process and generates up to ten quotes. Provided quotes represent the best prices for the most appropriate auto insurance coverage.

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