50+ Ratings on Google!

Guelph Car Insurance

3 minutes can save you hundreds. Enter your postal code below and join thousands of Canadians saving on car insurance.

Secure. No Spam. No Fees.

Why You Can Trust MyChoice

MyChoice serves as an independent intermediary between you, financial institutions and licensed professionals without any additional charge to our users. In the interest of transparency, we disclose that we partner with some of the providers we write about – we also list many financial services without any financial gain. MyChoice does not operate a financial institution or brokerage and to ensure accuracy, our content is reviewed by licensed professionals. Our unique position means that we hold no recurring stake in your policy, ensuring our mission to help Canadians make better financial decisions is free of bias or discrimination. 

How to Compare Car Insurance Quotes with MyChoice

Comparing car insurance quotes with MyChoice is as simple as it gets:

Share Your Car Insurance Needs​

Tell us what you want out of your auto insurance.

Shop for the Best Deals​

Compare auto insurance quotes from the best Canadian insurers.

Secure Your Rates​

Pick the best deal and lock your rates on our site.​

Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$106.45Jun 19, 2024, 04:08 PMAuto59FemaleK6J4P2
$43.02Jun 19, 2024, 05:45 AMHome56FemaleK1G0M5
$24.31Jun 19, 2024, 03:31 PMTenant30FemaleM1H2E4

How MyChoice Works



have compared rates and saved money over the last 24 hours
Leah D
Leah D
July 19, 2023
I was able to get a tenant insurance quote and a car insurance quote for my Jeep on the same day, in the same place, super fast and convenient, less than 10 mins! Would use again and would absolutely recommend
Imaan Pirani
Imaan Pirani
July 13, 2023
Got a great quote for my Camry and to my surprise was able to purchase online... They passed all my information to the companies website automatically and it made the process a breeze!” Highly recommend
David Ifejika
David Ifejika
July 13, 2023
I was shopping around for car insurance and a friend suggested that I try MyChoice to help find the least expensive insurance for my partner and I. It was very reliable, straightforward and user friendly. It made finding new car insurance easy!”
Ty Warner
Ty Warner
July 12, 2023
I was able to bundle my home and auto insurance with My Choice. Getting a quote for both was pretty quick, once I had done my auto portion I had the option to easily check my home insurance too so that was ideal!
John Doyle
John Doyle
July 7, 2023
Recently closed on a place in Markham and was able to get a great home insurance quote in minutes with MyChoice. Purchased online through square one right on closing day!
Tim Borgstädt
Tim Borgstädt
July 4, 2023
I don’t always shop around when it comes to my insurance but I’m glad I did this time, My Choice had a good range of options and I was able to chat to a broker once I found a quote that I liked!
Hao Sheng
Hao Sheng
June 30, 2023
I got a great quote from mychoice. Would definitely recommend everyone to start a quote. I got a much cheaper rate from CAA than my TD
Leo Brasil
Leo Brasil
June 19, 2023
Great experience getting an online quote, quick and easy. All things considered, it looks like I'm going to save around $80 a month on my car insurance!
Mark Whiteley
Mark Whiteley
June 19, 2023
I was shopping around for home/auto insurance because my rates seemed to skyrocket on renewal. MyChoice allowed me to easily search for the most competitive rate, and next thing I know I'm saving $400 a year. Strongly recommend it!
Secure. No Spam. No Fees.
Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on May 15, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated May 15, 2024

Visit author page

4 minute read

Article Contents

Quick Facts About Auto Insurance in Guelph

  • Guelph car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Guelph for a driver with comprehensive/collision coverage and a clean record is around $1,642.
  • Comparing Guelph auto insurance quotes with MyChoice can save you up to $909 annually.

The Best Car Insurance Brokerages in Guelph

Shopping for insurance alone can be frustrating, especially when you don’t know much about it. Fortunately, car insurance brokers can make the process easier. Auto insurance brokers can compare deals from several companies and answer your questions to ensure you get the best policy offer. 

You can work with insurance brokers to find you the best-rated policies. Here are some great car insurance brokerage options in Guelph:

BrokerageAddressPhone Number
Jeffery & Spence Insurance Brokers130 Paisley St, Guelph
ON N1H 2P1, Canada
National General150 Research Ln #104, Guelph
ON N1G 4T2, Canada
Kemper86 Woodlawn Rd W, Guelph
ON N1H 1B2, Canada
Clearcover7-3 Watson Rd S, Guelph
ON N1L 1E3, Canada

Most Expensive Postal Codes in Guelph

Guelph, Ontario has an annual average auto insurance premium of $1,642, slightly less than the Ontario average of $1,673 with N1C (South Guelph) seeing the highest average auto insurance rates in the city.

Postal CodeAverage Annual Car Insurance Premium

Least Expensive Postal Codes in Guelph

Three postal codes in Guelph boast below-average annual auto insurance rates, with N1L (East Guelph) being the cheapest.

Postal CodeAverage Annual Car Insurance Premium

Car Insurance Cost in Guelph by Age

Car insurance rates in Guelph change depending on your age. Younger people pay higher premiums due to inexperience, but rates lower as they age. Once you hit 65, your premiums will rise again due to senior citizens having an increased accident risk.

Here’s a look at car insurance costs in Guelph, categorized by age:

AgeAverage Annual RatesAverage Savings with MyChoice

Car Insurance Cost in Guelph by Driving History

Your driving history determines your auto insurance premiums in Guelph because insurers use it to gauge your overall driving risk. You’ll get lower premiums with a clean driving record because insurers think you’re a safe driver. Conversely, having lots of violations on your record marks you as a high-risk driver, raising your premiums.

Driving violations in Ontario stay on your record for two years, but they’ll influence your premiums for longer. Here’s a look at how traffic violations can influence your insurance rates based on MyChoice’s price quote data:

Driving ViolationAverage Annual Car Insurance Premium
Clean driving record$1,642
Insurance cancellation due to non-payment$2,693
Licence suspension for alcohol-related offences$1,970
One accident$3,613
Speeding ticket$2,135

Driving in Guelph

Guelph is a medium-sized city where many people live near their workplaces, so long commutes are relatively rare. Here are some key facts about driving in Guelph you should know:

  • Major highways in Guelph: 401, Hanlon Expressway
  • Public transit options: Guelph Transit (bus), GO Transit (bus and trains), Via Rail (trains)
  • Ridesharing services: Uber, Lyft
  • Parking space providers: The City of Guelph, private lots
  • Top tourist attractions: Church of Our Lady Immaculate, Riverside Park, University of Guelph Arboretum, Donkey Sanctuary of Canada, Guelph Civic Museum
  • Busy intersections: Speedvale Ave. West and Silvercreek Parkway, Stone Road West and Edinburgh Rd. South, Edinburgh Rd. South and Gordon Street, Wellington St. West and Edinburgh Rd. South
  • Airports: Guelph Airport

Main Mode of Commuting in Guelph

Most Guelphites ride personal vehicles to work, making up about 87% of commuters. The two other most common ways to commute in Guelph are public transit and walking, making up 4.5% and 5.1% of commuters respectively. Here’s a detailed look at how people commute in Guelph:

Main mode of commutingCountsRates
Total – 25% Sample Size52,230100.0
Car, truck or van45,64587.4%
Car, truck or van – as a driver41,49579.4%
Car, truck or van – as a passenger4,1507.9%
Public transit2,3354.5%
Other method9751.9%

Commuting Duration in Guelph

Guelph’s commute times are relatively short. Over 20,000 Guelphites take less than 15 minutes to get to work. In fact, over 70% of them spend less than 30 minutes on their commutes. Here’s a detailed look at commuting times in Guelph:

Commuting durationCountsRates
Total – 25% Sample Size52,230100.0
Less than 15 minutes21,21540.6%
15 to 29 minutes16,52031.6%
30 to 44 minutes7,33514.0%
45 to 59 minutes3,4556.6%
60 minutes and over3,7007.1%

Driving Conditions in Guelph

Your insurance premiums may fluctuate depending on Guelph’s driving conditions. Here’s a quick look at the driving conditions in Guelph:

  • Average daily commute time: 46 minutes round trip
  • Average annual rainfall: 36.56 mm
  • Average annual snowfall: 703 mm
  • Rainy days per year: 49
  • Rainiest month in Guelph: September
  • Driest month in Guelph: February
  • Snow days per year: 92
  • Snowfall months in Guelph: December to March

Traffic in Guelph

Guelph has around 140,000 residents, a very small number compared to the 2.7 million people living in the City of Toronto. This means traffic in Guelph won’t be as heavy or intense as in Toronto. However, it’s still a good idea to learn the key facts about traffic in Guelph to help regulate risk and avoid overpaying for insurance.

Here’s a quick look at what driving in Guelph is like:

  • Population: Guelph has 143,740 residents within its city limits. 
  • City area: Guelph’s urban area spans 87.22 km2.
  • Average commute distance: Most Guelphites travel 11.8 km to their workplace or school.
  • Time spent in traffic annually: Most Guelphites spend roughly 280 hours in traffic every year or 46 minutes every day.
  • Busiest highways: Guelph is one of the stops on Highway 401, the busiest highway in North America. Traffic data shows over 400,000 vehicles pass through Highway 401 daily.

The Most Common Questions About Car Insurance in Guelph

How much is car insurance in Guelph?

On average, car insurance in Guelph costs $1,642 annually.

Which city has cheaper car insurance: Guelph or Mississauga?

Guelph has cheaper car insurance than Mississauga, Guelph drivers pay an average of $1,642/year for their auto insurance, while Mississauga drivers pay $2,315/year.

How do Guelph’s car insurance rates compare to other cities in Ontario?

Among other cities in Ontario, Guelph’s car insurance is more or less on par.

How can you get cheap car insurance in Guelph?

Compare car insurance rates in Guelph with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.


1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, Guelph, Car Insurance Quotes Collected, 2024..

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, Guelph, Car Insurance Quotes Collected, 2024.

3. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, Guelph, Car Insurance Quotes Collected, 2024.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, Guelph, Car Insurance Quotes Collected, 2024.

5. City of Guelph Website, Driving & Transit Information. Data Collected, 2024.

6. Statistics Canada, 2021, Census of Population, Ontario, Guelph, Main Mode of Commuting. Data Published March 29, 2023.

7. Statistics Canada, 2021, Census of Population, Ontario, Guelph, Commuting Duration. Data Published March 29, 2023.

8. Weather Network Canada, Historical Averages, Ontario, Guelph.

9. 511 Ontario Traveller Information, Ontario, Guelph.

Congratulations! You made it to the end!

Now, here is the easy part: complete your quote in under 2 minutes
Secure. No Spam. No Fees.

Discover More About

Getting your car impounded is frustrating and even worse if you don’t know what you’re doing. Click through for a guide to releasing your impounded car in Canada.
Misconceptions about insurance make it harder for drivers to find the best deals. Click through to learn the truth about today’s most common car insurance myths.
The 2024 Alberta Auto Insurance Reform promises to make premiums more affordable by setting rate caps for good drivers. Click through to learn more.

Even More Ways To Save