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With more than 133,000 residents, St. Catharines is the largest metropolitan area in the Niagara Falls region. The population is poised to grow over the coming years with more families, students and professionals moving to St. Catharines and the surrounding area for school, work and to raise their children. More cars on the road means an increased likelihood of a car insurance claim, sometimes resulting in higher rates. The best way for drivers to combat this is to compare rates to ensure you’re getting the best deal on auto insurance in St. Catharines.
InsuranceHotline.com has been helping drivers save money on car insurance since 1994. Get a quote that is 26% less than the average market rate.*
Find out how much you can save by comparing car insurance quotes today from 30+ insurance providers in less than five minutes. Comparing makes saving easy and fast!
*Based on the difference between the average lowest auto insurance premium and overall average auto insurance premium from our site in 2019.
Anyone looking to find a cheap St. Catharines auto insurance rate should shop around. New drivers, experienced drivers, good drivers and less than perfect drivers-all drivers can benefit by comparing their rates on a regular basis to make sure they're still getting the best deal.
Interestingly, drivers from St. Catharines who visited InsuranceHotline.com come in all shapes and sizes:
If you're a new driver, auto insurance will likely be a bit more expensive than if you have a few years of driving and insurance history under your belt. It takes time to build up your driving history. Over time however, with more experience (and a clean driving record) your car insurance premium should decrease.
TIP: New drivers might be eligible for discounts if they've taken training from an accredited Ontario driving school. The Ministry of Ontario lists all accredited schools on its website.
Car insurance is the most important necessity when it comes to owning a car. It's illegal to drive without it, but that doesn't mean you have to pay a fortune to have it. Read on to learn more about car insurance in St. Catharines and what you need to know.
The Financial Services Commission of Ontario (FSCO) regulates rates in Ontario, including St. Catharines. Each quarter, insurers can apply to have rates increased, and in some cases decreased. FSCO either approves or denies the requests and releases the rate changes each quarter.
That means, every three months, rates could be changing--including yours.
If you're looking for ways to save money on car insurance, the best way to save is to compare rates at minimum every year. Car insurance rates are always changing and vary by company. Comparing rates regularly is the best way to ensure you're still getting the best rate on your St. Catharines car insurance.
There are many factors that go into determining your insurance rate, such as:
In Ontario, it's compulsory to have coverages like Liability and Accident Benefits, for example, but there are also optional coverages you can choose to customize your auto insurance policy to ensure it provides you with the protection you need.
Some of the more popular optional coverages include:
St. Catharines is located close to Buffalo and Rochester, with other cities such as Detroit, Pittsburgh and even New York City just a drive away.
With the American border so close, it's no surprise that drivers in St. Catharines would want to venture over from time to time. Your car insurance should carry over, but it's advisable you speak with your insurance agent first to confirm. If you're travelling there often for work or play, you may be required to obtain additional coverage to ensure your vehicle is fully protected.
St. Catharines drivers indicated that on average they drive about 14,000 kilometres a year and have a daily commute of about 15 kilometres each way.
According to the 2016 census, of those who are of working age, 81 per cent drive to work every day while and 7.6 per cent are a passenger. The rest of the St. Catharines working population, about 12 per cent, either walk, bike, take public transit or another form of transportation to get to their place of employment. The amount of St. Catharines residents who drive to work has increased in the past few years.
Compare St. Catharines car insurance quotes today to see if you could join other InsuranceHotline.com shoppers who saved an average of $450 in 2017.
Average car insurance savings for drivers in St. Catharines: $361.43
Most popular vehicles insured by St. Catharines-based married couples: Honda Civic, Hyundai Santa Fe Sport, Toyota Camry, Kia Spectra
Most popular vehicles insured by singles in St. Catharines: Hyundai Sonata, Volkswagen Jetta, Ford Focus, Chevrolet Cruze
Percentage of St. Catharines drivers who have had no accidents in the past 10 years: 88.22%
Average kilometres driven by St. Catharines drivers annually: 14,444 km
Most common professional association discounts for St. Catharines drivers: Brock University, Brock University Students, Niagara College Alumni Association, Niagara College Foundation, Humber College Institute of Technology and Advanced Learning, Unifor National
Data based on quotes completed by St. Catharines drivers on InsuranceHotline.com between January 1 and December 31, 2018.