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Your Guide to Niagara Falls Car Insurance

What is the lowest car insurance rate in Niagara Falls and where do I find it? Compare auto insurance rates easily and find the best discounts available right now.

Finding the best rate for car insurance in Niagara Falls is quite simple. At, we will find the lowest insurance rate with all the coverage you need. Just use our comparison tools to get the lowest rates from the most insurance providers in one place. Compare Niagara Falls auto insurance quotes today for the lowest price. It's secure, free and easy to use.
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  • Review all your quotes to ensure you have best offer and lowest price
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Car insurance in Niagara Falls

Car insurance in Ontario is required by law. While you can't change the law, you can control how much you spend on your auto insurance, and who will get your business. Since rates change frequently, shopping around is vital to ensure you're getting the best insurance rate in North Bay. The rate you can get now compared to a year ago can be significant savings in your pocket!

The Financial Services Commission of Ontario (FSCO) reviews and approves the latest car insurance rate changes on a quarterly basis so rates can change a lot in the span of a year. Keep track of how auto insurance rates change by subscribing to the Car Insurance Rate Tracker.

The basics of your car insurance policy

Your car insurance policy is made up of some mandatory coverages, as well as a few optional coverages. The mandatory coverages include the following:
  • Accident Benefits: Accident Benefits covers the people in a vehicle in the event of injury. Coverage can include medical and rehabilitation costs, funeral expenses, death benefits, as well as income replacement. As of June, 2016 there are some changes to your Accident Benefits. Learn more about the changes.
  • Third Party Liability: Third Party Liability coverage pays for a legal claim against the policyholder in the event that they are responsible (whether wholly or partially) for a collision that causes injury or damage to a third party. The minimum limit requirement is $200,000 although most drivers go with at least $1 million.
  • Direct Compensation - Property Damage: Commonly referred to as DCPD, this provides coverage for damage to your car and any property inside the car as a result of an automobile accident in which you are not-at-fault.
  • Uninsured Motorist Coverage: This component of the standard Ontario auto insurance policy provides coverage for you and your family if you are in an accident and injured or killed by hit-and-run driver or by a driver who is not insured.
There are optional coverages that can be added to your car insurance policy to ensure you're protected in the way you expect to be covered. Two of the most common coverages are:
  • Collision: This covers damage to your vehicle as a result of an impact or collision with another vehicle or object.
  • Comprehensive: This insures your car against damage caused by events like theft and vandalism.
Both of these optional coverages typically come with a deductible which, depending on what you select as your deductible, will factor into how your auto insurance rates are calculated. Generally the higher the deductible you choose, the lower your car insurance rate.

What goes into your Niagara Falls car insurance rate?

More than 83,000 people now live in Niagara Falls, Ontario, which is home to one of the most visited tourist attractions in the world, the Canadian Horseshoe Falls. The Horseshoe Falls are 180 feet high and allow 6 million cubic feet of water over the crestline every minute during peak daytime tourist hours. For comparison, that's about a million bathtubs full of water every minute.

The average age of drivers from Niagara Falls shopping for car insurance at is 39 and male drivers (67%) outnumber their female counterparts (33%) quite significantly.

When it comes time to apply for a car insurance policy or renew an existing one, the same factors apply to Niagara Falls residents as in any other community. Where you live, the car you drive, your commute and your driving record are all important when insurance costs are determined.

Where you live in Niagara Falls

Motorists that reside in Niagara Falls face challenging driving conditions and experience all the frustrations that major cities present each day. Furthermore, the city is connected to the U.S. side of the Falls by several bridges, including the Rainbow, Whirlpool, and Queenston-Lewiston bridges.

The possibilities of car theft and getting into accidents or collisions are risks that insurance advisors and brokers examine carefully before generating the cost to insure vehicles.

Your commute

As you know, insurance providers generally assign lower rates to drivers who work closer to home or use transit to get to their place of employment.

The car you drive in Niagara Falls

Many drivers choose specific vehicle models and years to help lower their overall insurance cost. Car insurance companies use a vast amount of vehicle data to compare safety ratings, repair costs and even the likelihood of theft among the thousands of car models driven today.

When filling in information while shopping for the lowest rates, drivers in Niagara Falls list the Honda Civic as the most popular car followed by the Ford Escape. In third place is the Toyota Corolla, with the Mazda3 and Hyundai Elantra reported as the fourth and fifth most popular models.

If you're in the market to buy a new car, make sure you factor in the cost of insurance before you lay down the cash. Let us help make your purchase decision easier. Compare car insurance quotes for multiple vehicles, side by side.

Your driving history

Your driving history is another important source of information used when determining auto insurance rates. Past driving behaviour, including accidents, infractions, tickets or charges can count against you when the insurance rate is being composed. Those with clean driving records should end up saving on insurance costs.

About 55 per cent of drivers in Niagara Falls report having at least one car accident, as indicated while obtaining their auto insurance quotes. Slightly less (53%), have reported getting at least one ticket. Male drivers (58%) outnumber female drivers (42%) in terms of obtaining at least one ticket.

Benefits of safe driving

When it comes to drivers in Niagara Falls that use snow tires for safer driving in winter months, 77 percent note that they do. customers from Niagara Falls, and throughout Ontario for that matter, are benefiting from a winter tire insurance discount being offered by car insurance companies province-wide to motorists who buy and install four winter tires in November and keep them on until April. Since January 1, 2016, the provincial government introduced the measure and thousands of drivers have saved up to 5 per cent on car insurance rates by simply getting snow tires installed.

Many insurance companies are willing to provide a slight discount to drivers that are enrolled in some type of roadside assistance program. In Niagara Falls, 38 per cent of car insurance shoppers mention that they use roadside assistance programs and would qualify for a discount.

More discount options

Insurance customers who hold multiple policies with one provider should benefit from cost savings for doing so. It turns out, that car insurance clients in Niagara Falls are in favour of the idea and about 46 per cent indicate they will use same firm or agency to take advantage of a multi-line discount plan.

When researching and making your decision to sign on with any car insurance company, it is always beneficial to discuss any possible discount before finalising your policy. Insurance shoppers have discovered further savings may be applied if you have taken and passed a driver training course, or installed additional safety and security features on your vehicle. Customers have also discovered that belonging to certain organizations, being retired or even getting good grades in school can help cut down on insurance costs as well.

Shopping around can save you money

Compare rates regularly to ensure you're getting the best price for your car insurance coverage. Compare rates annually at renewal, but also if your situation changes like when you get married (or divorced), move, buy a new car, add drivers to your policy (like your teen), get a ticket, are involved in a collision, change jobs or retire. These are all ideal times when you should shop around to see if a cheap car insurance can be had.

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