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City Of St Catharines

A very fast-growing community, St. Catharines is a city in the southern part of Ontario province. It is the largest city in the Niagara region and is also high in population. This city lies about 19km along the Niagara River in the international US border and is also near the city of Toronto. As per the 2011 census, the population of St Catharines was estimated at 131400. This high rate of population has also contributed to considerable traffic congestion in the city. And this does reflect in the car insurance rates across the city due to higher collision rates as well as motor thefts. St. Catharines is a commerce and trade hub as it is located in the GTA Greater Toronto Area and near the city of Fort Erie.

Manufacturing is a major industry in the city and the biggest employers include TRW automobiles and General Motors of Canada. Some of the other employers in the city are Niagara Health System, SITEL, Brock University, the City, and Algoma Central Corporation. If you were to look at occupational demographics then sales and service lead at 30%. The next in line is trades, equipment, and transport at 15%. The finance, administrative and business occupations follow next at 14%. The least occupational ratio was in the field of natural resources, production and other agricultural sectors at just 2%.

How Much Does Car Insurance Cost in St Catharines

The average cost of car insurance in St Catharines is $1,810.

Who Has the Cheapest Car Insurance Quotes in St Catharines

RankAuto Insurance CompanyAnnual Cost
1The Cooperators$1,549
3Travelers (Dominion Product)$1,635
4Travelers (Chieftain Product)$1,716
5Gore Mutual$1,761
6Desjardins Insurance$1,884
10`Wawanesa Insurance$2,067

Most Expensive Auto Insurer in St Catharines

The above table compares the car insurance prices in St Catharines city by major car insurance providers.  Wawanesa Insurance had the highest quote at an annual price of $2067 and this was $518 higher than the lowest quote. The next highest quote was by CAA at a difference of $43.

Cheapest Auto Insurer in St Catharines

As per the comparison, the lowest quote for car insurance was by The Cooperators at an annual price of $1549. The quote by Belairdirect was higher than The Cooperators by $31.

Getting around St Catharines

The main access points of transportation to St Catharine’s are 2 freeways, Highway 406 and Queen Elizabeth Way. Before these freeways were ready, St Paul Street was Highway 8 and Hartzel Road was Highway 58. These provide access to the north-south as well as east-west directions in the city.  You may not require a drive to get around from one end of the city to the other end due to frequently running buses. The bus routes cover most parts of the city up to the farthest corners. St Catharines transit connects the city with the city of Thorold and Niagara Falls. Apart from this, there is the Niagara Regional Transportation that connects St Catherines with Fort Erie, Welland, Port Colborne, and Niagara Falls.

Major Highways In St Catharines

  • E.W connects the city to Toronto and then to the U.S. Buffalo border
  • Highway 401 connects to Toronto to the west of Windsor and to the east of Cornwall
  • No 6 Highway connects Hamilton city to Guelph
  • Hwy 406 connects the city to Port Colborne.
  • 420 Highway connects Q.E.W. to 403
  • Fort Erie is connected to Windsor by highway 3.
  • 402 highway connects the city of London to Sarnia

Apart from the above highways, 3 bridges run through the Niagara Region to connect St Catharines with the U.S. border. These include Rainbow Bridge, Peace Bridge, and Queenston-Lewiston Bridge.

Traffic Signage in St Catharines

Traffic Signage

The repair, replacement, and maintenance of streets traffic signs that the city owns are done by the city of St Catharines. Traffic signal maintenance and repairs are the responsibility of the Niagara region.

City of St Catharines Initiatives

The Operations Division of the city Transportation and Environmental services takes care of the street system in the city. They monitor, repair, maintain and replace whenever there is a need to improvise the streets for public safety.

Cleaning of Streets

The city takes responsibility for the cleaning of streets in St Catharines in summer. This street cleaning is done between July and September. There is a by-law in St Catharines that prohibits placing any leaves, debris yard waste, etc. on a roadway used by the public. So any kind of such waste from private properties and Boulevard should be bagged and sent to the waste collection program. This will prevent any kind of debris and leaves from blocking ditches and causing any flooding problems. Clean streets encourage better public safety.

Removal of Snow

It is very important to practice extra caution while driving in winter road conditions. Most motor vehicle collisions happen during bad weather and road conditions in winter. The city has created awareness among the public to steer clear of driving troubles in winter. These include reporting slippery and dangerous road conditions by calling 9059353813. It is best practice to avoid street parking during a winter storm. Apply salt or sand to avoid slippery roads.

Patching of Potholes

Potholes on roads are a major cause of motor vehicle accidents in any city. Hence the city does top up the asphalt roads to prevent mishaps. They also re-grade and clean ditches.

Installations for road safety

The city installs new concrete sidewalks, culverts, and curbs for the safety of motorists, pedestrians, and cyclists.

Upgrade of Street lights

St Catharines city council has decided to upgrade the street lights from HPS high-pressure sodium bulbs to LED lights. This will make streets brighter and also create energy savings for the city. Better distribution of light without any pointing towards the sky will help create a better vision for motor safety.

Motor Vehicle Crime Statistics in St Catharines

Motor Vehicle theft over $50003422
Motor Vehicle theft under $500054415480
Theft of Motor Vehicle613687
Total Property Crimes1123111631

The above table shows the rate of motor vehicle-related crimes in St Catharines between 2014 and 2015. There has been an increase in the total property crimes in 2015 over 2014 by $400.  The crime rates for theft from a motor vehicle under the value of $5000 have shown an increase by 39 in 2015.  At the same time, there has been a decline in the rates for theft from a motor vehicle over the value of $5000 in 2015 by 12.

Worst Roads In City Of St Catharines

The condition of roads is a major reason that contributes to motor vehicle collisions. These road verifications and assessments are regularly conducted by the ORBA Ontario Road Builder Association. They looked at some of the worst roads in St Catharines that were in poor condition. This also includes potholes, traffic congestion, poor traffic signage, and safety measures for motorists, cyclists, and pedestrians.

Some of the adverse road conditions were potholes on asphalt roads and cracking of road surfaces. These cracks were longitudinal as well as severely transverse. Only a replacement of the base and full reconstruction could remedy the situation and avoid motor vehicle incidents. The following roads in St Catharines were identified by ORBA as the worst roads.

  • Queenston Street
  • Grantham Avenue
  • Ontario Street
  • Queenston Street
  • North Service Road and Lake Street
  • Martindale Avenue and Fourth Avenue
  • Tremont Drive and Glendale Avenue
  • YMCA Drive and South Service Road
  • Welland Avenue and Ontario Street
  • Willowdale and Geneva Street

List of Car Insurance Companies and Brokers in St Catharines

CompanyStreetRegionProvincePostal CodeTelephone
Allstate Insurance275 Fourth Ave Unit B5St. CatharinesONL2S 0C2(289) 273-8618
The Verge Insurance Group131 Ontario Street Box 487St. CatharinesONL2R 5K1(905) 688-9170
CAA Niagara76 Lake StSt. CatharinesONL2R 5X4(905) 688-0321
The Co-operators350 Scott St Unit 104,St. CatharinesONL2N 6T41 844-347-9662


* Methodology

We did the survey by assuming that the car insurance premiums are calculated for a 35-year-old man with his own car. He has a good credit rating and the coverage is for basic liability. There are no traffic tickets for the past 5 years and the annual mileage is between 5000 km to 8000 km.

All insurance quotes shown for comparison are only examples. These quotes do not guarantee rates for any particular insurance provider with the lowest possible rate. The quotes depend on various factors as per the lowest cost insurance company. These include the driver and car profile, driving record, location, and many other criteria.

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