How Can You Get Cheap Car Insurance in Guelph?
You can get cheap Guelph car insurance by finding the best deals. Here are several tips to help you do so:
How Does Car Insurance Work in Guelph?
Car insurance in Guelph works by providing financial coverage in case something bad happens to you or your car, depending on the protection you choose. Auto insurance in Guelph is mandatory by local laws, which means you need car insurance to avoid fines or driver’s licence suspensions.
Worse still, if you get convicted of driving without insurance, you’ll get higher premiums from carriers. This makes driving again prohibitively expensive or even nearly impossible after being caught driving without insurance. That’s why getting auto insurance is essential before buying a car or driving in Guelph.
Here’s a breakdown of the key elements of your auto insurance policy:
How Your Car Insurance Quotes Are Calculated in Guelph
Your car insurance rates are calculated based on how risky you are to insure. Naturally, drivers more likely to get into accidents will have higher premiums than those less likely to be in an accident.
Here are seven factors that influence your Guelph car insurance quotes:
Most Expensive Postal Codes in Guelph
Guelph, Ontario has an annual average auto insurance premium of $1,280, about $100 less than the Ontario average of $1,385. N1C (South Guelph) has the highest average auto insurance rates. Check the details in the table below:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| N1C | $1,301 |
| N1E | $1,296 |
| N1G | $1,923 |
Least Expensive Postal Codes in Guelph
Three postal codes in Guelph boast below-average annual auto insurance rates, sitting well under $1,280, with N1L (East Guelph) being the cheapest. Here’s a look at the cheapest postal codes for car insurance in Guelph:
| Postal Code | Average annual car insurance premium |
|---|---|
| N1H | $1,167 |
| N1K | $1,157 |
| N1L | $1,162 |
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:
| Age Group | Average annual insurance cost | Average savings with MyChoice |
|---|---|---|
| 18-20 | $4,570 | $909 |
| 21-24 | $2,611 | $519 |
| 25-34 | $1,741 | $346 |
| 35-44 | $1,280 | $255 |
| 45-54 | $1,050 | $209 |
| 55-64 | $892 | $177 |
| 65+ | $1,017 | $202 |
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 violation | Average annual car insurance rate |
|---|---|
| Clean driving record | $1,280 |
| Insurance cancellation due to non-payment | $2,099 |
| Licence suspension for alcohol-related offences | $1,534 |
| One accident | $2,821 |
| Speeding ticket | $1,667 |
Other Factors That Affect Car Insurance Prices in Guelph
We’ve covered several factors that influence car insurance rates in Guelph. Aside from those, several extra factors play a part in determining your Guelph auto insurance premiums:
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:
| Brokerage | Address | Phone Number |
|---|---|---|
| Jeffery & Spence Insurance Brokers | 130 Paisley St, Guelph ON N1H 2P1, Canada | +12262425217 |
| National General | 150 Research Ln #104, Guelph ON N1G 4T2, Canada | +15198243630 |
| Kemper | 86 Woodlawn Rd W, Guelph ON N1H 1B2, Canada | +15198366100 |
| Clearcover | 7-3 Watson Rd S, Guelph ON N1L 1E3, Canada | +12267800802 |
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 commuting | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 52,230 | 100.0 |
| Car, truck or van | 45,645 | 87.4% |
| Car, truck or van – as a driver | 41,495 | 79.4% |
| Car, truck or van – as a passenger | 4,150 | 7.9% |
| Public transit | 2,335 | 4.5% |
| Walked | 2,685 | 5.1% |
| Bicycle | 585 | 1.1% |
| Other method | 975 | 1.9% |
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 duration | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 52,230 | 100.0 |
| Less than 15 minutes | 21,215 | 40.6% |
| 15 to 29 minutes | 16,520 | 31.6% |
| 30 to 44 minutes | 7,335 | 14.0% |
| 45 to 59 minutes | 3,455 | 6.6% |
| 60 minutes and over | 3,700 | 7.1% |
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.
Who Provides Car Insurance Quotes in Guelph?
Insurance brokers, agents, aggregators, and direct writers provide car insurance quotes in Guelph. Here’s an overview of these four insurance quote providers:
The Most Common Questions About Car Insurance in Guelph
How much is car insurance in Guelph?
On average, car insurance in Guelph costs $1,280 annually.
Which city has cheaper car insurance: Guelph or Mississauga?
Guelph has cheaper car insurance than Mississauga. Guelph drivers pay $1,280/year for their auto insurance, while Mississauga drivers must pay $1,813/year. In fact, Mississauga’s auto insurance rates are almost $500 higher than the Ontario provincial average.
How much are car insurance rates for Guelph students?
Car insurance rates for Guelph students and young drivers depend on their risk profile and driving experience. However, like in most of Canada, students usually pay higher insurance premiums than adults because they’re often high-risk drivers.
Which car has the cheapest insurance in Guelph?
According to our research, Fiats are the cheapest cars to insure in Guelph at $126/month.
How do Guelph’s car insurance rates compare to other cities in Ontario?
Among other cities in Ontario, Guelph’s car insurance rates are very affordable. Coming in at an annual average of $1,280, it’s far cheaper than other cities like Vaughan and Ajax, where insurance costs over $2,000 annually.