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Prior to the creation of the Shakespearean Festival which gave the town its tourism focus, Stratford found its fortunes as a rail crossroads and furniture manufacturing center. In Upper Canada terms, settlement started late, though the 1828 date of first settlement isn’t that unusual for Southwestern Ontario. Named after Stratford-on-Avon in England, Canada’s Stratford even renamed its local river section from the Thames to the Avon.

Today a city of 30,000, tourism and manufacturing remain the backbones of the city. Without a nearby 400-series highway, explosive growth has never happened. Still, Highways 7 and 8, Erie, and Ontario Streets within city limits, form the main intersection in town. Intercity travel is strongly oriented toward vehicle traffic, due to limited train and bus service. Local drivers fare better than average when it comes to car insurance.

How Much Does Car Insurance Cost in Stratford

The average cost of car insurance in Stratford is $1,123.

Quote DateAverage Auto Insurance Cost in Stratford*

*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 Stratford 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 Stratford Ontario

With auto insurance rates already low, particularly compared to the Golden Horseshoe region, Stratford drivers may be forgiven for conservative insurance shopping habits. They may be missing out on substantial savings, however. The key is understanding how auto insurance works in Ontario and taking advantage of its peculiarities.

First of all, though the auto insurance industry has a high degree of regulation, it remains a competitive market. Companies establish their own underwriting procedures and set rates for car insurance components — subject to approval by the Financial Services Commission of Ontario, the industry watchdog.

The provincial government requires a mandatory level of insurance coverage for all vehicles on the road in Ontario. That provides a baseline for all auto insurance policies, but even for statutory coverage, prices differ between providers. The key to the lowest prices is comparison shopping.

Car Insurance Flexibility in Ontario

Statutory auto insurance involves four categories of coverage. Accident benefits and third-party liability comprise the most important features since these protect the driver and occupants from medical costs and the owner from lawsuits arising from at-fault accidents. Additional coverage for each of these categories can top-up coverage. Particularly in the case of liability insurance, serious accidents may result in settlements beyond Ontario’s minimum insurance requirement.

Collision and comprehensive insurance aren’t required by the province. However, if you financed your vehicle purchase, your lending agency may insist that these optional insurance types get added to your policy. Most drivers opt for some level of collision and comprehensive coverage. This shares the cost burden between driver and insurance company when replacing or repairing a vehicle involved in an incident.

A motorist may still adjust the cost of the policy through deductible rates. Increasing deductibles transfers more of the repair and replacement costs to the driver. Subsequently, annual premiums drop. Lowering deductibles puts more load on the insurer, in the event of an accident, and therefore premium costs climb.

Drivers can fine-tune coverage to match their needs through a variety of optional policy endorsements. Available options vary by insurer.

Finally, discounts reduce the cost of auto insurance even further. Special price packages and discount categories vary by provider also.

Driving in Stratford Ontario

  • Stratford doesn’t have a single road grid throughout the city. Lake Victoria runs through the center of the city. South of the lake, streets run close to true north-south orientation east of Downie Street. North of the lake, some streets maintain a north-south orientation, while others follow the angle of the lake. Still, more base on Highway 8 after it turns northwest at the western edge of Lake Victoria. Southcentral Stratford uses still another angle based on Downie Street.
  • Highways 7 and 8, which meet near Downie Street in downtown Stratford, run concurrently from that point east to Kitchener. Highway 7 resumes as Victoria Street North, though it heads east-northeast to Guelph, after breaking off the Conestoga Parkway. Highway 8 breaks off at King Street, heading southeast to Cambridge.
  • Stratford is roughly halfway between Kitchener and London, though the various county road grids make the drive longer to London, via Highways 7 and 4.
  • Highway 119, Mornington Street within the city, heads northeast of the city to the Stratford Municipal Airport.
  • Highway 8 runs northwest through Mitchell before terminating at Highway 21 in Goderich on the Lake Huron coast.
  • Because of the tilted county road grids, there is no true northerly route out of the city.

List of Driving Schools in Stratford Ontario

Young Drivers309 Lorne Ave E, Stratford, ON N5A 6S4519-272-1020
Dominion Driver Training Inc27 Dickens Pl, Stratford, ON N5A 7G1519-273-1221
Bud’s Driving School217 Erie St, Stratford, ON N5A 2M9519-274-4159
Frank’s Driving School122 Downie St, Stratford, ON N5A 1X1519-814-2112
Aerodynamic Driving School113 West Gore St, Stratford, ON N5A 1K1519-301-2345

Road Information for Stratford Ontario

traffic and rainy

Driving Facts for Stratford Ontario

  • The Stratford Festival, with four theatres in town, frequently draws enough traffic to cause congestion on both Erie and Ontario Streets. Even during non-show days, tourists visiting the picturesque city can cause slow-moving traffic downtown.
  • These slow-downs usually stay centrally located, but the commercial and industrial regions along Ontario Street east of Burritt Street often bogs down with commuter traffic.
  • Similarly, Erie Street experiences slowdowns due to commuter volumes to the southwest. Similar commercial and industrial areas surround Erie Street on its way toward St. Marys.
  • The Ontario government has plans in the works to extend a Highway 7 freeway from Guelph to Stratford. No official plan is on the table, so no date for completion is available. Controlled access for 7/8 ends east of New Hamburg, though the road remains four lanes wide until Wilmot-Easthope Road. Highway 7/8 regains four-lane width near County Road 110, east of Stratford.
  • Highway 8 changes from Ontario Street to Huron Street after crossing the Avon River at the western end of Lake Victoria. It remains four lanes wide until after County Road 122 west of the city.

List of Stratford Auto Insurance Brokers, Agents, and Companies

Moore Hemsworth Insurance Group Inc42 Hossie Terr, Stratford, ON N5A 8B6519-271-7747
Cowan Insurance Group618 Huron St, Unit A, Stratford, ON N5A 6S6519-393-5062
Peter Maranger204 Huron St, Stratford, ON N5A 5S8519-272-2667
Ensurco Insurance Group Inc68 Wellington St, Stratford, ON N5A 2L2519-271-9842
Sun Life Financial107-342 Erie St, Stratford, ON N5A 2N4519-271-0740
State Farm Insurance488 Erie St, Stratford, ON N5A 2N6519-305-4555
Zettle Life Inc384 Devon St, Stratford, ON N5A 2Z9519-273-9186
BrokerLink51 Albert St, Stratford, ON N5A 3K2519-271-1840
London Life Freedom 55 Sue Borysiuk289 Ontario St, Stratford, ON N5A 3H6519-273-0153
Moore Hemsworth206 Ontario St, Stratford, ON N5A 3H4226-779-1657
Orr Insurance & Investment50 Cobourg St, Stratford, ON N5A 3E5519-271-4340
Dan Scarborough – Sunlife190 Lightbourne Ave, Stratford, ON N4Z 1E1519-271-1532

Stratford drivers searching for the best car insurance rates use Ratelab’s car insurance calculator. With just a few minutes of data entry, Ratelab searches dozens of industry partners, finding the best policy match at the lowest price. Receive up to ten low-cost quotes by entering your home postal code below. It’s free and there’s no obligation.

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