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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

3 minute read

Article Contents

Quick Facts About Auto Insurance in Welland

  • Welland car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Welland for a driver with comprehensive/collision coverage and a clean record is around $1,390.
  • Comparing Welland auto insurance quotes with MyChoice can save you up to $987 annually

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:

BrokerageAddressPhone number
Billyard Insurance Group Inc38 E Main St, Welland
ON L3B 3W3, Canada
+19053462190
Youngs Insurance Brokers Welland55 E Main St, Welland
ON L3B 3W4, Canada
+19057357212

Most Expensive Postal Codes in Welland

On average, annual car insurance in Welland is $1,390, making it cheaper than the Ontario average of $1,673.

Postal CodeAverage Annual Car Insurance Premium
L3B$1,462

Least Expensive Postal Codes in Welland

The L3C area in Welland has insurance rates lower than the city average.

Postal CodeAverage Annual Car Insurance Premium
L3C$1,358

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:

AgeAverage Annual RatesAverage Savings with MyChoice
18-20$4,962$987
21-24$2,836$564
25-34$1,890$376
35-44$1,390$276
45-54$1,140$227
55-64$969$193
65+$1,105$220

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 ViolationAverage Annual Car Insurance Premium
Clean driving record$1,390
Insurance cancellation due to non-payment$2,280
Licence suspension for alcohol-related offences$1,668
One accident$3,058
Speeding ticket$1,807

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 commutingCountsRates
Total – 25% Sample Size18,675100.0
Car, truck or van17,26092.4%
Car, truck or van – as a driver15,93585.3%
Car, truck or van – as a passenger1,3257.1%
Public transit2951.6%
Walked6103.3%
Bicycle1400.7%
Other method3752.0%

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 durationCountsRates
Total – 25% Sample Size18,675100.0
Less than 15 minutes6,45534.6%
15 to 29 minutes6,89036.9%
30 to 44 minutes3,39018.2%
45 to 59 minutes4084.5%
60 minutes and over1,0955.9%

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.

Sources

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

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

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

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

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

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

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

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

9. 511 Ontario Traveller Information, Ontario, Welland.

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