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Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$106.58May 21, 2024, 07:11 AMAuto69FemaleL2R6P9
$46.95May 21, 2024, 10:07 AMHome44FemaleL6Y0E8
$24.71May 21, 2024, 12:42 AMTenant25FemaleK8N3P9

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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on May 16, 2024

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

Updated May 16, 2024

Visit author page

4 minute read

Article Contents

Quick Facts About Auto Insurance in Niagara Falls

  • Niagara Falls car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Niagara Falls for a driver with comprehensive/collision coverage and a clean record is around $1,623.
  • Comparing Niagara Falls auto insurance quotes with MyChoice can save you up to $1,152 annually.

The Best Car Insurance Brokerages in Niagara Falls

Insurance brokers help drivers navigate the process of purchasing auto insurance. They help you find a car insurance plan that meets all your driving needs and fits your budget. 

If you don’t want to get lost in all the jargon and numbers, consider reaching out to any one of these experienced brokerages in Niagara Falls:

BrokerageAddressPhone number
All-Risks Insurance Brokers Limited7-8279 Lundy’s Ln, Niagara Falls
ON L2H 1H5, Canada
+12899321222
Olsen-Sottile Insurance Brokers Inc4307 Queen St, Niagara Falls
ON L2E 2K9, Canada
+19053572140
Youngs Insurance Brokers5681 Regional Rd 57, Niagara Falls
ON L2J 1A1, Canada
+19053747000

Most Expensive Postal Codes in Niagara Falls

Auto insurance rates in Niagara Falls, ON cost an average of $1,623. Compared to the provincial average of $1,673, making auto insurance roughly $50 cheaper. 

The most expensive postal code in Niagara Falls is the L2G region.

Postal CodeAverage Annual Car Insurance Premium
L2G$1,654

Least Expensive Postal Codes in Niagara Falls

Like other mid-sized cities in Ontario, Niagara Falls is neither the most expensive nor the cheapest place to get auto insurance. L2H and L2J are the cheapest postal codes in Niagara Falls, as seen below:

Postal CodeAverage Annual Car Insurance Premium
L2H$1,595
L2J$1,596

Car Insurance Cost in Niagara Falls by Age

Age is a major element in determining your car insurance rate, especially when you are young. Insurance providers often charge drivers under 25 high rates because of young drivers’ inexperience and higher likelihood of being involved in a traffic accident. 

Young drivers aren’t the only ones who pay higher premiums, either. Those over 60 tend to get higher rates as they are more likely to be seriously injured in the event of an accident. 

Check out how car insurance varies by age in Niagara Falls:

AgeAverage Annual RatesAverage Savings with MyChoice
18-20$5,794$1,152
21-24$3,311$659
25-34$2,207$439
35-44$1,623$323
45-54$1,331$265
55-64$1,131$225
65+$1,290$257

Car Insurance Cost in Niagara Falls by Driving History

Want to save on insurance premiums? Having a history as a safe, responsible driver can get you lower rates. 

Insurers are all about assessing risk. The more tickets and violations you have on your record, the more likely you are to get involved in a traffic accident – and, thus, the more you will end up costing the insurance company.

Here’s how different driving violations can affect the cost of your insurance premiums:

Driving ViolationAverage Annual Car Insurance Premium
Clean driving record$1,623
Insurance cancellation due to non-payment$2,662
Licence suspension for alcohol-related offences$1,948
One accident$3,571
Speeding ticket$2,110

Driving in Niagara Falls

The “Honeymoon Capital of the World”, Niagara Falls is one of the most popular tourist destinations in all of Canada. While its population remains at a modest 88,071, each year, the city plays host to over 12 million visitors. 

Niagara Falls is a border town, connecting Ontario to the state of New York via the Rainbow Bridge. Located just over an hour from Toronto, Niagara Falls is also a popular day-trip destination for those living in and visiting Toronto. 

Here are some fast facts about driving in Niagara Falls:

  • Major highways: Queen Elizabeth Way (QEW), Highway 420, Highway 20
  • Public transit options: WeGo (buses), Niagara Region Transit (buses), GO Train
  • Ridesharing services: Uber, Zoom Zoom
  • Parking space providers: The City of Niagara Falls, private lots
  • Top tourist attractions: Horseshoe Falls, American Falls, Bridal Veil Falls, Skylon Tower, Niagara Skywheel, Clifton Hill, Niagara Power Station, Whitewater Walk, Butterfly Conservatory, Niagara Botanical Gardens, Bird Kingdom
  • Busy intersections: Welland Avenue and 4th Street
  • Airports: Toronto Pearson International Airport

Main Mode of Commuting in Niagara Falls

Most commuters in Niagara Falls travel with their cars, making up 92.1% of all commuters. Walking is the second-most preferred method, clocking in at 2.9%. Here’s a detailed look at how people in Niagara Falls commute:

Main mode of commutingCountsRates
Total – 25% Sample Size29,290100.0
Car, truck or van26,98592.1%
Car, truck or van – as a driver24,51083.7%
Car, truck or van – as a passenger2,4808.5%
Public transit6052.1%
Walked8552.9%
Bicycle1900.6%
Other method6452.2%

Commuting Duration in Niagara Falls

Almost 80% of Niagara Falls’ commuters spend under 30 minutes getting to work. People who spend over half an hour on their commute are relatively rare, only making up 20% of the city’s commuters. Check out the commute times in Niagara Falls on the table below:

Commuting durationCountsRates
Total – 25% Sample Size29,290100.0
Less than 15 minutes11,98540.9%
15 to 29 minutes11,39538.9%
30 to 44 minutes3,22011.0%
45 to 59 minutes1,0103.4%
60 minutes and over1,6755.7%

Driving Conditions in Niagara Falls

Niagara Falls is a beautiful place to visit in the summer months. Unfortunately, wintertime driving conditions make travel to the area quite treacherous. Drivers must prepare thoroughly for their trip, as unexpected snowfall and ice can lead to dangerous roadways.

Learn more about what driving conditions are like in Niagara Falls: 

  • Average daily commute time: 52 minutes roundtrip
  • Average annual rainfall: 770 mm
  • Average annual snowfall: 574 mm
  • Rainy days per year: 169.3 days
  • Rainiest month in Niagara Falls: July
  • Driest months in Niagara Falls: September
  • Snow days per year: 65.6 days
  • Snowfall months in Niagara Falls: January – May, October – December

Traffic in Niagara Falls

Despite being a popular tourist destination, traffic density in Niagara Falls is not as bad as its neighbours. In fact, Niagara has the least amount of traffic congestion among all large cities in Canada. Minimal congestion means that drivers can expect lower insurance premiums, as insurers often charge more in places where traffic accidents are more likely to happen. 

Here is a brief overview of traffic in Niagara Falls:

  • Population: 88,071 live within Niagara Falls’ city limits.
  • City area: Niagara Falls’ city limits span 209.73 km2.
  • Busiest highways: Queen Elizabeth Way is the busiest highway in Niagara Falls. 

The Most Common Questions About Car Insurance in Niagara Falls

How much does Niagara Falls car insurance cost?

Car insurance in Niagara Falls costs $1,623.

Is car insurance cheaper in Niagara Falls than in Toronto?

Car insurance is cheaper in Niagara Falls than in Toronto, where it costs an average of $2,139.

Why should you compare car insurance rates in Niagara Falls?

You should compare car insurance rates because many companies offer the same coverage but at drastically different prices. Rates often vary depending on what part of Niagara Falls you live in, the car you drive, your age, your driving history, and other similar factors.

Does my Niagara Falls car insurance work in the US?

Most Niagara Falls auto insurers cover their clients when driving in the US for a limited time.

How can you get cheaper auto insurance in Niagara Falls?

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

Sources

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

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

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

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

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

6. Statistics Canada, 2021, Census of Population, Ontario, Niagara Falls, Main Mode of Commuting. Data Published March 29, 2024.

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

8. Weather Network Canada, Historical Averages, Ontario, Niagara Falls.

9. 511 Ontario Traveller Information, Ontario, Niagara Falls.

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