Quote data from MyChoice.ca, April 2025
The Best Car Insurance Brokerages in Welland
Car insurance brokers make looking for insurance easier because they can compare policies and answer your questions.
There are many professional insurance brokers in Welland – contact them for assistance in your search for auto insurance:
| Brokerage | Address | Phone number |
|---|---|---|
| Billyard Insurance Group Inc | 38 E Main St, Welland ON L3B 3W3, Canada | +19053462190 |
| Youngs Insurance Brokers Welland | 55 E Main St, Welland ON L3B 3W4, Canada | +19057357212 |
Most Expensive Postal Codes in Welland
On average, annual car insurance in Welland is $1,434, making it cheaper than the Ontario average of $1,726.
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| L3B | $1,509 |
Quote data from MyChoice.ca, April 2025
Least Expensive Postal Codes in Welland
The L3C area in Welland has insurance rates lower than the city average.
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| L3C | $1,401 |
Quote data from MyChoice.ca, April 2025
Car Insurance Cost in Welland by Age
Your age influences car insurance rates because it impacts your accident risk. Young drivers get higher rates because they’re inexperienced, while old drivers pay more because they’re more likely to get hurt or killed in an accident.
Here’s a rundown of how your age influences Welland auto insurance rates:
| Age | Average Annual Rates | Average Savings with MyChoice |
|---|---|---|
| 18-20 | $5,120 | $1,019 |
| 21-24 | $2,927 | $582 |
| 25-34 | $1,950 | $388 |
| 35-44 | $1,434 | $285 |
| 45-54 | $1,176 | $234 |
| 55-64 | $1,000 | $199 |
| 65+ | $1,140 | $227 |
Quote data from MyChoice.ca, April 2025
Car Insurance Cost in Welland by Driving History
Your driving history determines auto insurance premiums because insurers use it to calculate your accident risk. Bad drivers with lots of violations on their record pay more because they’re more likely to get into another accident. Conversely, safe drivers with clean records pay less because they’re not as likely to get in an accident.
Per Ontario regulations, your traffic violation record and demerit points “reset” after two years. However, insurers may check your driving record as far back as 10 years when calculating your rates.
Here’s how different traffic offences affect car insurance rates:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,434 |
| Insurance cancellation due to non-payment | $2,353 |
| Licence suspension for alcohol-related offences | $1,721 |
| One accident | $3,156 |
| Speeding ticket | $1,865 |
Quote data from MyChoice.ca, April 2025
Driving in Welland
Welland is a medium-sized city located in the Municipality of Niagara, Southern Ontario. The city is widely known for its abundance of parks, low crime, and large French-Canadian community.
Is driving in Welland enjoyable? Here are some key facts about driving in the city:
- Major highways in Welland: 406, 140
- Public transit options: Niagara Region Transit (bus)
- Ridesharing services: Uber, Lyft
- Parking space providers: The City of Welland, private lots
- Top tourist attractions: Welland Canal, Niagara Falls, Welland Museum, Niagara SkyWheel, Chippawa Park
- Busy intersections: Riverside Drive and Lincoln Street
- Airports: Niagara Central Dorothy Rungeling Airport
Main Mode of Commuting in Welland
A very large percentage of Welland’s commuters travel by car, which is par for the course for most smaller cities. The second-most popular way to commute in Welland is walking. In fact, Welland’s pedestrian commuters are double the amount of people who take public transit. Check the table below to learn more about how Welland’s commuters travel.
| Main mode of commuting | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 18,675 | 100.0 |
| Car, truck or van | 17,260 | 92.4% |
| Car, truck or van – as a driver | 15,935 | 85.3% |
| Car, truck or van – as a passenger | 1,325 | 7.1% |
| Public transit | 295 | 1.6% |
| Walked | 610 | 3.3% |
| Bicycle | 140 | 0.7% |
| Other method | 375 | 2.0% |
Commuting Duration in Welland
While traffic in Welland is relatively sparse, over one-third of its residents take 15 to 29 minutes to get to work. Another third of them enjoy short commutes of under 15 minutes. Here’s a closer look at commuting times in Welland:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 18,675 | 100.0 |
| Less than 15 minutes | 6,455 | 34.6% |
| 15 to 29 minutes | 6,890 | 36.9% |
| 30 to 44 minutes | 3,390 | 18.2% |
| 45 to 59 minutes | 408 | 4.5% |
| 60 minutes and over | 1,095 | 5.9% |
Driving Conditions in Welland
Weather conditions like snow and rain affect your auto insurance premiums because they may make driving more dangerous. Here’s an overview of driving conditions in Welland:
- Average daily commute time: 46 minutes round trip
- Average annual rainfall: 67 mm
- Average annual snowfall: 48 mm
- Rainy days per year: 170 days
- Rainiest month in Welland: July
- Driest months in Welland: September
- Snow days per year: 64 days
- Snowfall months in Welland: October – May
Traffic in Welland
Welland is a small, low-density city of roughly 50,000 people. Without a lot of people around, traffic in Welland is relatively sparse compared to other cities.
Here’s a quick look at the key traffic statistics in Welland:
- Population: 55,750 people live within Welland’s city limits.
- City area: Welland’s city area spans 81.04 km2.
- Time spent in traffic annually: The average Welland resident spends 46 minutes in traffic daily, totalling roughly 280 hours per year.
- Busiest highways: Welland is one of the exits along Highway 406, which connects to Queen Elizabeth Way.
The Most Common Questions About Car Insurance in Welland
How much does Welland car insurance cost?
Car insurance in Welland costs $1,390 on average.
Is car insurance cheaper in Welland than in Toronto?
Car insurance in Welland is over $800 cheaper than in Toronto.
Why should you compare car insurance rates in Welland?
You should compare car insurance rates in Welland because insurers offer different levels of protection at different prices. Comparing rates helps you find the best-valued deals and save money on insurance.
Does my Welland car insurance work in the US?
Your Welland car insurance will work in the US because both countries have similar legal systems. However, you should double-check with your insurer before travelling stateside.
How can you get cheaper auto insurance in Welland?
Compare car insurance rates in Welland with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.