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Stratford Car Insurance

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Recent Quotes From Our Users

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 15, 2024

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

Updated May 15, 2024

Visit author page

3 minute read

Article Contents

Quick Facts About Auto Insurance in Stratfod

  • Stratford car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Stratford for a driver with comprehensive/collision coverage and a clean driving record is around $1,426.
  • Comparing Stratford auto insurance quotes with MyChoice can save you up to $1,013 annually.

The Best Car Insurance Brokerages in Stratford

Car insurance brokers help you choose the right auto insurance policy by answering your questions and comparing policy offers.

Here are several brokers in Stratford that you can contact for extra assistance when seeking car insurance:

BrokerageAddressPhone number
Co-operators –
Peter Maranger & Associates Inc
204 Huron St,
Stratford, ON N5A 5S8, Canada
Corey Goebel Desjardins
Insurance Agent
169 Erie St,
Stratford, ON N5A 2M6, Canada
BrokerLink603 Huron St,
Stratford, ON N5A 5T8, Canada

Most Expensive Postal Codes in Stratford

Stratford’s average auto insurance comes in at $1,426/year, making it roughly $250 lower than Ontario’s provincial average.

Postal CodeAverage Annual Car Insurance Premium

Least Expensive Postal Codes in Stratford

Meanwhile, the postal code N4Z has a below-average annual car insurance rate.

Postal CodeAverage Annual Car Insurance Premium

Car Insurance Cost in Stratford by Age

Age is a major driving factor in whether you can expect higher insurance premiums. Generally, the idea is that older drivers have more experience and are thus more likely to be responsible and capable of avoiding accidents. 

Drivers under the age of 25 can expect higher insurance premiums, while those in their 50s and 60s can expect the lowest insurance rates. However, once you reach a certain age, your premium rates start to rise again – usually when you reach the age of 65 or become a senior citizen

Based on studies, 75-year-old male drivers pay 21% more for auto insurance than 55-year-old male drivers. This is because as people get older, they go through physical changes that can affect their driving ability, such as changes in vision, attention, fitness, and reaction time. 

Take a look at how much car insurance costs can vary by age in Stratford:

AgeAverage Annual RatesAnnual Savings with MyChoice
18 – 20$5,091$1,013
21 – 24$2,909$579
25 – 34$1,939$386
35 – 44$1,426$284
45 – 54$1,169$233
55 – 64$994$198

Car Insurance Cost in Stratford by Driving History

Take a look below at how car insurance quotes vary by violation in Stratford:

Driving ViolationAverage Annual Car Insurance Premium
Clean Record$1,426
Insurance Cancellation (Non-Payment)$2,339
License Suspension (DUI)$1,711
At-Fault Accident$3,137
Speeding Ticket$1,854

All estimated rates are based on a 35-year-old female driving a 2018 Honda Civic four-door.

Your driving record plays a major role in determining the cost of your insurance premiums. Insurance companies will usually request the following:

  • Demerit point total
  • Any convictions, suspensions, and reinstatements under the Highway Traffic Act and Criminal Code of Canada
  • Records of collisions
  • Any driver’s license replacements/renewals

A clean driving record will help you get lower premiums, while a record laden with violations will get you tagged as a high-risk driver and cause insurance companies to charge you more.

In Ontario, driving violations remain on your record for two years, but they can affect your premium rates for far longer. 

Driving in Stratford

Planning to move to or visit Sault Ste. Marie? It helps to know more about driving in the area. Here are some key facts about driving in Sault Ste. Marie you should know:

  • Major highways in Stratford: 401
  • Public transit options: Stratford Transit (bus)
  • Ridesharing services: SuperShuttle
  • Parking space providers: The City of Stratford, private lots
  • Top tourist attractions: Avon Theater, The Stratford Perth Museum, Shakespearean Gardens, Upper Queen’s Park
  • Busy intersections: Church and Cambria, Erie and West Gore
  • Airports: Stratford Municipal Airport

Main Mode of Commuting in Stratford

Knowing more about the commuting statistics in a city or town helps you get to work on time. Here’s a detailed look at the commuter data in Stratford:

  • Average commute distance: The average Stratford resident travels x km to their workplace or school. 
  • Commute duration: Commutes in Stratford are generally short, with 62.6% of households spending under 15 minutes on their commutes. On the other end of the scale, only 4.3% of households spend over an hour commuting.
  • Main mode of commuting: Personal vehicles are by far the most popular mode of commuting in Stratford, with an 87% share of households. Walking comes in second with a 7.2% share or 890 households.

Driving Conditions in Stratford

Various weather and driving conditions like snow and rain can affect your auto insurance premiums. Here’s an overview of driving conditions in Stratford: 

  • Average annual rainfall: 86 mm
  • Average annual snowfall: 76 mm
  • Rainy days per year: 113
  • Rainiest month in Stratford: June
  • Driest months in Stratford: January
  • Snow days per year: 113

Snowfall months in Stratford: November-April

Traffic in Stratford

Stratford is best known as a farming and dairying community. However, it’s also known for the annual Stratford Festival, where many Shakespearean plays are performed between April and October. During these periods, there may be more people driving in Stratford due to people attending the festival.

Here’s a quick look at the key traffic statistics in Stratford:

  • Population: 33,232 people live within Stratford’s city limits.
  • City area: Stratford’s city area spans 30.02 km2.
  • Busiest highways: Stratford is connected to London and Windsor to the west and Toronto to the east by Highway 401.

Stratford Car Insurance FAQs

How much does Stratford car insurance cost?

Stratford car insurance costs $1,426/year.

Why should you compare car insurance rates in Stratford?

You should compare car insurance rates in Stratford because different insurers provide different coverage at different prices. Comparing rates help you choose which policy has the best value.

What information do you need for an auto insurance quote in Stratford?

You need to provide basic personal details and vehicle information like production year, make, and model to get a basic auto insurance quote. You can get more accurate quotes by disclosing extra information, like your driving record and past traffic violations.

How can you get cheap car insurance in Stratford?

Compare car insurance rates in Stratford 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, Stratford, Car Insurance Quotes Collected, 2024.

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

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

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

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

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

7. Weather Network Canada, Historical Averages, Ontario, Stratford.

8. 511 Ontario Traveller Information, Ontario, Stratford.

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