Contents Show
Things to Know Before Getting Niagara Falls Car Insurance
here are some things to know before getting car insurance in Niagara Falls:
- Traffic and Tourist Season: Niagara Falls is a popular tourist destination, especially during the summer months. As a result, the roads can be busy and congested, especially near tourist attractions such as the falls themselves. Consider adding collision coverage to your policy to protect yourself in case of an accident.
- Winter weather: Niagara Falls experiences cold, snowy winters that can lead to hazardous driving conditions. Make sure your car insurance policy covers damage from weather-related incidents, such as snowstorms or icy roads.
- Discounts may be available: Car insurance providers in Niagara Falls may offer discounts for safe driving, taking driver education courses, or having multiple vehicles insured with them. Be sure to ask your insurance provider about any available discounts to potentially lower your car insurance rates.
- Optional coverage: In addition to mandatory liability coverage, consider adding optional coverage such as collision coverage, comprehensive coverage, or uninsured motorist coverage to protect yourself in case of an accident or other incident.
- Compare rates from different providers: Car insurance rates can vary widely between providers, so it’s important to shop around and compare rates before choosing a policy. Look for a reputable provider with a history of good customer service and reliable claims handling.
- Auto theft: Although Niagara Falls is generally a safe city, car thefts can happen. Consider adding comprehensive coverage to your policy to protect against theft or damage from vandalism.
- Road conditions: The Niagara region experiences a lot of rainfall throughout the year, which can lead to slick and hazardous road conditions. Make sure your car insurance policy covers damage from hydroplaning or other weather-related accidents.
What is the Average Car Insurance Cost in Niagara Falls
The average annual car insurance premium in Niagara Falls, Ontario, Canada, is $1,421.
Here’s a table showing the average car insurance costs per month for different driver profiles in Niagara Falls:
Please note that these are estimated costs and can vary based on factors such as car make and model, age of the car, and driving history.
| Driver Profile | Liability Only | Liability + Collision | Full Coverage |
|---|---|---|---|
| G1 Driver | $140 | $195 | $250 |
| G2 Driver | $120 | $170 | $220 |
| G | $100 | $150 | $200 |
| Teenage Driver | $250 | $340 | $430 |
| Young Driver | $160 | $205 | $295 |
| High-risk Driver | $205 | $250 | $340 |
| Occasional driver | $85 | $130 | $175 |
| Pleasure driver | $95 | $140 | $185 |
| Commuting driver | $130 | $175 | $220 |
| Good driver | $75 | $120 | $165 |
| Bad driver | $295 | $385 | $475 |
| New Driver | $175 | $220 | $310 |
| Secondary Driver | $85 | $130 | $175 |
| 17 Years Old | $265 | $355 | $445 |
| Seniors | $95 | $140 | $185 |
| Over 55 Years Old | $85 | $130 | $175 |
| Students | $145 | $190 | $235 |
| International Driver | $205 | $250 | $340 |
| Newcomers | $175 | $220 | $310 |
| Men Driver | $120 | $170 | $220 |
| Women Driver | $110 | $160 | $210 |
| Married Couples | $95 | $140 | $185 |
| Usage-Based | $120 | $170 | $220 |
| Uber/Lyft | $175 | $220 | $310 |
| Personal use | $110 | $160 | $210 |
| Business use | $145 | $190 | $235 |
| Commercial use | $205 | $250 | $340 |
Here’s a table showing the estimated monthly car insurance costs range for different types of cars in Niagara Falls:
| Car Type | Liability Only | Liability + Collision | Full Coverage |
|---|---|---|---|
| Sedan | $95 – $145 | $140 – $190 | $185 – $235 |
| Convertible | $125 – $175 | $175 – $225 | $225 – $275 |
| Hatchback | $85 – $135 | $130 – $180 | $175 – $225 |
| Wagon | $100 – $150 | $145 – $195 | $190 – $240 |
| Coupe | $125 – $175 | $175 – $225 | $225 – $275 |
| SUV | $115 – $165 | $165 – $215 | $215 – $265 |
| Truck | $115 – $165 | $165 – $215 | $215 – $265 |
| Minivans | $95 – $145 | $140 – $190 | $185 – $235 |
| Van | $95 – $145 | $140 – $190 | $185 – $235 |
| Electric Car | $135 – $185 | $185 – $235 | $235 – $285 |
| Hybrid Car | $115 – $165 | $165 – $215 | $215 – $265 |
| Multi Car | $110 – $160 | $160 – $210 | $210 – $260 |
| Exotic Car | $425 – $525 | $525 – $625 | $625 – $725 |
| Luxury Car | $325 – $425 | $425 – $525 | $525 – $625 |
| Classic Car | $195 – $245 | $245 – $295 | $295 – $345 |
| Vintage Car | $195 – $245 | $245 – $295 | $295 – $345 |
| Sports Car | $225 – $275 | $275 – $325 | $325 – $375 |
| Leased cars | $135 – $185 | $185 – $235 | $235 – $285 |
| 2 Door | $125 – $175 | $175 – $225 | $225 – $275 |
Here’s a table showing the average car insurance costs range in Niagara Falls for a driver profile of age 35, married, based on the driving history:
| Driving History | Liability Only | Liability + Collision | Full Coverage |
|---|---|---|---|
| 1 at-fault accident | $185 – $285 | $235 – $335 | $285 – $385 |
| 2 at-fault accidents | $265 – $365 | $315 – $415 | $365 – $465 |
| 1 non-fault accident | $135 – $185 | $185 – $235 | $235 – $285 |
| DUI conviction | $405 – $505 | $505 – $605 | $605 – $705 |
| 1 speeding ticket | $110 – $160 | $160 – $210 | $210 – $260 |
| 2 speeding tickets | $175 – $225 | $225 – $275 | $275 – $325 |
How Does Niagara Falls’s Average Car Insurance Cost Compare to Other Cities?
Here is a list of average car insurance costs in Niagara Falls, along with some other cities in Ontario, Canada, for comparison purposes:
- Toronto: $2,000 CAD to $2,500 CAD
- Ottawa: $1,200 CAD to $1,500 CAD
- Hamilton: $1,500 CAD to $1,800 CAD
- London: $1,200 CAD to $1,400 CAD
- Kitchener: $1,300 CAD to $1,500 CAD
- Windsor: $1,400 CAD to $1,600 CAD
- Barrie: $1,400 CAD to $1,600 CAD
- Sudbury: $1,100 CAD to $1,300 CAD
Which Cars Have the Cheapest Car Insurance in Niagara Falls?
Here is a list of some of the cars that typically have lower insurance rates in Niagara Falls, along with their average annual rates based on recent data:
- Honda Civic: $1,200 CAD to $1,400 CAD
- Toyota Camry: $1,300 CAD to $1,500 CAD
- Mazda 3: $1,200 CAD to $1,400 CAD
- Ford Escape: $1,400 CAD to $1,600 CAD
- Hyundai Elantra: $1,200 CAD to $1,400 CAD
- Nissan Sentra: $1,200 CAD to $1,400 CAD
- Kia Forte: $1,200 CAD to $1,400 CAD
How to Get the Cheapest Car Insurance in Niagara Falls?
Here are some tips for getting the cheapest car insurance in Niagara Falls:
- Compare rates: To get the best deal, it’s always a good idea to compare rates from multiple car insurance providers. You can do this easily online or by working with a local insurance broker who can provide quotes from different companies.
- Increase your deductible: Your deductible is the amount you pay out of pocket before your insurance kicks in. If you increase your deductible, your premiums will likely be lower. However, be sure to choose a deductible that you can afford to pay in case of an accident.
- Bundle your insurance policies: If you have multiple insurance policies, such as car and home insurance, bundling them together can often lead to a discount.
- Take advantage of discounts: Many car insurance providers offer discounts for things like safe driving, good grades (for students), and having certain safety features on your car. Be sure to ask about any discounts you may be eligible for.
- Maintain a clean driving record: Your driving record is one of the most significant factors in determining your car insurance rate. If you have a clean driving record, with no accidents or traffic violations, you are likely to get a lower rate.
- Drive a car with a good safety rating: Cars with good safety ratings are generally cheaper to insure. Be sure to research cars before you buy and choose one with a high safety rating.
- Choose a reasonable coverage amount: While it may be tempting to opt for the highest coverage limits, choosing a reasonable amount of coverage can help keep your premiums low.
Niagara Falls Car Insurance Facts
Here are some car insurance facts that are specific to Niagara Falls, Ontario, Canada:
- Average insurance rate: As of 2023, the average annual car insurance rate in Niagara Falls, Ontario, is $1,421 CAD.
- Insurance requirements: Like all of Ontario, Niagara Falls requires drivers to carry a minimum amount of car insurance, including third-party liability coverage of at least $200,000 CAD, as well as accident benefits coverage and uninsured automobile coverage.
- High-risk drivers: If you have a poor driving record or have been convicted of a traffic violation, you may be considered a high-risk driver. In Niagara Falls, high-risk drivers can obtain car insurance through the Facility Association, which is a group of insurance companies that provide coverage for high-risk drivers.
- Discounts: Many car insurance providers in Niagara Falls offer discounts to drivers who take a defensive driving course, bundle their policies, or have certain safety features on their cars, such as anti-lock brakes or an anti-theft device.
- Insurance providers: There are several insurance providers that offer car insurance in Niagara Falls, including major providers like Allstate, State Farm, and Intact Insurance, as well as smaller, local providers.
- Insurance brokers: If you’re having trouble finding affordable car insurance in Niagara Falls, you may want to consider working with an insurance broker who can help you find the best coverage and rate for your individual needs. Some local insurance brokers in Niagara Falls include Whitley Insurance & Financial Services, and Duliban Insurance Brokers.
Top 10 List of Best Car Insurance Companies in Niagara Falls
Here is a list of 10 best car insurance companies in Niagara Falls, along with their brief descriptions, reviews, and star ratings based on customer feedback and industry ratings:
- Allstate Insurance: Allstate is a major insurance provider in Canada and offers a wide range of car insurance policies. They have received positive customer reviews for their easy claims process and excellent customer service. Star Rating: 4.3/5
- State Farm Insurance: State Farm is another major car insurance provider in Niagara Falls. They offer competitive rates and discounts for safe drivers and customers who bundle their policies. Customers have praised State Farm for their helpful and friendly agents. Star Rating: 4.2/5
- Intact Insurance: Intact Insurance is one of the largest property and casualty insurers in Canada and offers a variety of car insurance policies. They have been rated highly for their easy claims process and good customer service. Star Rating: 4.1/5
- Johnson Insurance: Johnson Insurance is a Canadian insurance provider that offers a range of car insurance policies. Customers have praised them for their fast claims processing and competitive rates. Star Rating: 4.1/5
- Desjardins Insurance: Desjardins is a Canadian insurance provider that offers car insurance policies to Niagara Falls residents. They have been rated highly for their excellent customer service and affordable rates. Star Rating: 4.0/5
- The Co-operators: The Co-operators is a Canadian insurance provider that offers a range of car insurance policies. They have received positive reviews for their helpful and knowledgeable agents and competitive rates. Star Rating: 3.9/5
- Wawanesa Insurance: Wawanesa is a Canadian insurance provider that offers a variety of car insurance policies. Customers have praised them for their affordable rates and excellent customer service. Star Rating: 3.9/5
- Economical Insurance: Economical Insurance is a Canadian insurance provider that offers a range of car insurance policies. They have been rated highly for their excellent customer service and competitive rates. Star Rating: 3.8/5
- Aviva Insurance: Aviva is a Canadian insurance provider that offers car insurance policies to Niagara Falls residents. Customers have praised them for their good rates and friendly and helpful customer service. Star Rating: 3.7/5
- RSA Insurance: RSA Insurance is a Canadian insurance provider that offers a range of car insurance policies. They have received positive customer reviews for their excellent claims processing and helpful agents. Star Rating: 3.6/5
Top 10 List of Best Car Insurance Brokers in Niagara Falls
Here is a list of some of the best independent car insurance brokers in Niagara Falls, along with their brief descriptions, reviews, and star ratings based on customer feedback and industry ratings:
- Whitley Insurance & Financial Services: Whitley Insurance is an independent insurance broker that offers a variety of car insurance policies to Niagara Falls residents. They have been rated highly for their excellent customer service and competitive rates. Star Rating: 5/5 (on Google)
- Duliban Insurance Brokers: Duliban Insurance is an independent insurance broker that offers a range of car insurance policies. They have received positive customer reviews for their knowledgeable and helpful agents and competitive rates. Star Rating: 4.8/5 (on Google)
- Gifford Carr Insurance Group: Gifford Carr is an independent insurance broker that offers a range of car insurance policies to Niagara Falls residents. Customers have praised them for their excellent customer service and personalized attention. Star Rating: 4.8/5 (on Google)
- KRW Insurance Brokers: KRW Insurance is an independent insurance broker that offers car insurance policies to Niagara Falls residents. They have been rated highly for their friendly and knowledgeable agents and competitive rates. Star Rating: 4.7/5 (on Google)
- Tri-County Insurance: Tri-County Insurance is an independent insurance broker that offers a range of car insurance policies. Customers have praised them for their excellent customer service and competitive rates. Star Rating: 4.5/5 (on Google)
- The Insurance Shop: The Insurance Shop is an independent insurance broker that offers a variety of car insurance policies. They have received positive reviews for their personalized attention and good rates. Star Rating: 4.5/5 (on Google)
- M&W Insurance: M&W Insurance is an independent insurance broker that offers a range of car insurance policies to Niagara Falls residents. Customers have praised them for their friendly and knowledgeable staff and competitive rates. Star Rating: 4.5/5 (on Google)
- John R. Wilson Insurance Broker Ltd: John R. Wilson Insurance Broker is an independent insurance broker that offers a variety of car insurance policies. They have received positive reviews for their excellent customer service and personalized attention. Star Rating: 4.3/5 (on Google)
- Erie Mutual Insurance: Erie Mutual Insurance is an independent insurance broker that offers a range of car insurance policies to Niagara Falls residents. They have been rated highly for their competitive rates and excellent customer service. Star Rating: 4.3/5 (on Google)
- St. Andrews Insurance Brokers Ltd.: St. Andrews Insurance Brokers is an independent insurance broker that offers a variety of car insurance policies. Customers have praised them for their helpful and knowledgeable agents and competitive rates. Star Rating: 4.2/5 (on Google)
Tips for Drivers in Niagara Falls. Only actual Niagara Falls
Here are some driving tips that are specific to Niagara Falls, Ontario, Canada:
- Watch out for tourists: Niagara Falls is a popular tourist destination, which means there are often many pedestrians and vehicles on the road. Be extra careful when driving in busy tourist areas, and watch out for pedestrians crossing the road.
- Be aware of weather conditions: Niagara Falls can experience extreme weather conditions, including heavy rain, snow, and ice. Be sure to adjust your driving to match the weather conditions, and give yourself extra time to get to your destination.
- Know the speed limits: Speed limits can vary based on the road and the time of day in Niagara Falls. Be sure to pay attention to speed limit signs, and drive at a safe speed based on the road conditions.
- Use your signals: Using your turn signals when changing lanes or turning is not only the law but also an important safety measure. Be sure to use your signals when driving in Niagara Falls, and watch for other drivers’ signals as well.
- Avoid distracted driving: Distracted driving is a major cause of accidents in Niagara Falls and throughout Canada. Avoid distractions such as texting, eating, or adjusting the radio while driving.
- Be prepared for tolls: Some roads and bridges in Niagara Falls may require toll payments. Be sure to have cash or an electronic toll pass ready to avoid delays and traffic.
- Know your route: Niagara Falls can be a confusing place to navigate, especially for visitors. Be sure to plan your route ahead of time and know where you’re going to avoid getting lost or making last-minute turns.
- Stay up to date on traffic and road conditions: Niagara Falls can experience traffic congestion, especially during peak tourist season. Stay up to date on traffic and road conditions by checking traffic reports or using a navigation app.
What are the Most Dangerous Intersections in Niagara Falls?
According to some reports from previous years, some of the most dangerous intersections in Niagara Falls based on the number of collisions reported include:
- Lundy’s Lane and Kalar Road: This intersection has seen a high number of accidents over the years due to its location near the highway and the heavy traffic flow.
- McLeod Road and Dorchester Road: This intersection is located near several residential neighborhoods and has seen many collisions due to its heavy traffic flow and complex design.
- Montrose Road and McLeod Road: This intersection is located near several shopping centers and residential neighborhoods and has seen many collisions due to its heavy traffic flow and complex design.
- Victoria Avenue and Valley Way: This intersection is located near several hotels and attractions and has seen many collisions due to its heavy traffic flow and pedestrian traffic.
- Drummond Road and Montrose Road: This intersection is located near several shopping centers and residential neighborhoods and has seen many collisions due to its heavy traffic flow and complex design.
Total Reportable Collisions in Niagara Falls
According to the Niagara Regional Police Service (NRPS) 2020 Annual Report, there were a total of 2,764 reportable collisions in the Niagara Region in 2020, which includes Niagara Falls. This was a decrease from the 3,451 reportable collisions in the Niagara Region in 2019.
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.
