Find Cheap Car Insurance in Niagara Falls
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Car insurance in Niagara Falls
Niagara Falls: the honeymoon capital of the world. This tourist town of 421,000 can see upwards of 12 million visitors annually. It is also a border town connected to the U.S. by the Rainbow Bridge and home to the world-famous Horseshoe Falls.
Insurance in Niagara Falls works much like the rest of Ontario. It is mandatory, and drivers are subject to fines if they are caught driving without it.
Mandatory and optional auto insurance in Niagara Falls
| Insurance type | Mandatory coverage | Optional/Additional coverage |
|---|---|---|
| Third-Party Liability | $200,000 minimum. Provides coverage in the event of a lawsuit resulting from an accident where you are at fault. | Coverage can be increased to $500,000, $1 million, or $2 million, with up to $2 million limit. |
| Direct Compensation-Property Damage (DC-PD) | Covers damage to your car, or loss of use of your vehicle, if someone else is at fault. Must involve another insured vehicle. | For additional vehicle coverage including for when you are at-fault, consider collision coverage. |
| Uninsured Automobile Insurance | Provides up to $200,000 in coverage if you are injured or killed by an uninsured driver, or if your vehicle is damaged as a result of a hit-and-run by an unidentified, uninsured motorist. | Family Protection Coverage is an optional coverage that includes additional coverage of up to $1 million in the case of a hit-and-run by an uninsured motorist. |
| Statutory Accident Benefits | Provides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren't covered by OHIP. Income Replacement Benefits: Basic weekly income replacement of 70% of your gross income up to $400/wk. Medical, Rehabilitation and Attendant Care Benefits: Up to $65,000 for serious injuries, and $1 million for catastrophic injuries. Caregiver Benefits: Up to $250 per week for the first dependent, and $50 per week for each dependent after that. Housekeeping and Home Maintenance Expenses: Maximum payout $100 per week. Death and Funeral Benefits: Up to $25,000 is provided to your spouse, $10,000 for each dependent, and up to $6,000 in funeral costs in the event you are killed in an automobile accident. | Coverage limits can be increased. |
| Collision Coverage (Also Upset Coverage) | Optional | Covers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property. |
| Comprehensive Coverage | Optional | Covers damages caused by named perils identified under the Specified Perils coverage, as well as losses from other perils like falling or flying objects, theft, fire, hail, windstorms, missiles, and vandalism. |
| Specified Perils Coverage | Optional | Covers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and also other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc. |
| All-Perils Coverage | Optional | Combines collision/upset and comprehensive coverage. Also provides additional protection if a household member or an employee steals your vehicle. |
| OPCF 20: Coverage for Transportation Replacement | Optional | Covers the cost of your transportation replacement and rental car insurance if you were to get into a car accident or if your vehicle is stolen. |
| OPCF 27: Liability for Damage to Non-Owned Automobile(s) | Optional | Covers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000. |
| OPCF 39: Accident Waiver/Forgiveness | Optional | Protect your premium from rising when you have your first at-fault accident. |
| OPCF 43: Waiver of Depreciation | Optional | Protects you by removing your insurer's right to deduct depreciation from the value of your vehicle when settling a claim. This coverage is for new vehicles with fewer than 5,000 kilometres. |
| OPCF 44R: Family Protection Coverage | Optional | Protects you if you or a family member is injured, regardless of whether you or your family members are in the car when the accident occurs |
Recent Ontario auto insurance quotes
Recent auto Insurance Quote from Brantford, Ontario
Female, 31 years old
2025 HONDA CR-V SPORT 4DR AWD
May 13, 2025
Cheapest Quote
$ 246 / month
$ 2,953 / yearAverage Quote
$ 343 / month
$ 4,115 / yearSavings
$ 97 / month
$ 1,162 / year
28 %
Recent auto Insurance Quote from Brantford, Ontario
Male, 35 years old
2017 MERCEDES-BENZ CLA250 4MATIC 4DR COUPE
May 13, 2025
Cheapest Quote
$ 141 / month
$ 1,692 / yearAverage Quote
$ 180 / month
$ 2,165 / yearSavings
$ 39 / month
$ 473 / year
22 %
Recent auto Insurance Quote from Brantford, Ontario
Male, 32 years old
2021 TESLA MODEL 3 LONG RANGE 75D 4DR AWD
May 13, 2025
Cheapest Quote
$ 848 / month
$ 10,176 / yearAverage Quote
$ 1,232 / month
$ 14,788 / yearSavings
$ 384 / month
$ 4,612 / year
31 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company
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I have never submitted a claim for any policy's I have had ON MY TRAVELS. (I hope iI never have to.) So that part I can't comment on. If I ever need to submit will know how efficient it goes. thank you
Charlene
Call back within 5 hours
Call back within 5 hours. The Lady spoke clear English.
William A
promtly got a call back and setup with…
promtly got a call back and setup with a lender
Rodney STORIE
Quick response and great quotes
Quick response and great quotes, the only problem is: I got two different quotes in two days, which is cheaper in the second one.
Ray
Great information when speaking with…
Great information when speaking with John. Very knowledgeable and easy to talk with. Unfortunately I was last minute and resigned w the actual lender, not the business I used for the purchase and last renewal.
Corbett Thoms
Easy and fast
Easy and fast
Joanne
The quote the representative was able…
The quote the representative was able to obtain.
Jonathan McConnell
The agent I spoke to was very helpful…
The agent I spoke to was very helpful in recommending a few brokers in my area who was willing to work with my situation
The Blessed One
Laurie is a true agent but John is not
Laurie is a true agent but John is not, the person with extension 136 is not a good listener to client. Extension 133 Laurie is good on her duties!
Thu Tram
How much does car insurance cost in Niagara Falls?
According to RATESDOTCA’s Insuramap data, in 2021, the average rate for auto insurance in Niagara Falls was $1,327 per year – up from $1,247 in 2020.
In the same year, the average auto insurance premium in Ontario was $1,555.
Car insurance costs in Niagara Falls mirror those of many other mid-size Ontario towns. Of 53 for most expensive auto premiums in Ontario surveyed by RATESDOTCA in 2021, Niagara Falls ranks 37th.
Vaughan ranked the most expensive with average annual premiums of $2,179. Experts reflect that premiums in that GTA city are increasing because of an increasing volume of claims and overall increasing density of traffic.
While Niagara Falls auto insurance rates are in-line with other mid-size Ontario cities, its premiums are considerably lower than larger ones, according to 2021 RATESDOTCA’s Auto Insuramap.
In general, drivers pay more in cities with more traffic. While Niagara Falls is a very popular tourist destination, its traffic density is not as significant as that of Vaughan, Ajax and Richmond Hill – the three most expensive locales in Ontario for car insurance premiums.
| Rank | City | Estimated 2021 premium | % Difference from average Niagara Falls premium |
|---|---|---|---|
| Niagara Falls | $1,327 | ||
| 1. | Vaughan | $2,179 | 64% |
| 2. | Ajax | $2,104 | 58% |
| 3. | Richmond Hill | $2,025 | 53% |
| 4. | Brampton | $1,976 | 49% |
| 5. | Mississauga | $1,971 | 49% |
| 6. | Pickering | $1,959 | 48% |
| 7. | Toronto | $1,953 | 47% |
| 8. | Oshawa | $1,833 | 38% |
| 9. | Whitby | $1,792 | 35% |
| 10. | Nobleton, Schomberg, Orangeville, King City | $1,766 | 33% |
The following each have an impact on how much you'll pay for car insurance in Niagara Falls:
- Car model: Cars that are more expensive to repair tend to be more expensive to ensure. Similarly, if it’s a car model that’s often stolen, a driver should expect to pay more.
- Driving record and experience: Your claims history and driving record are a major contributor. The number of speeding tickets, driving convictions and at-fault accidents you've had will all influence how much you pay for insurance.
- Your driving experience: Drivers with no claims history can secure savings because it encourages the insurance provider to assess them as being at low risk of filing a claim. New drivers in Canada may be subject to higher premiums unless they can reflect that their experience with a letter from a regulatory body where they were previously licensed.
- Where you’re driving: Drivers in larger cities with significant traffic tend to pay more. Rates are also higher in cities where car theft is more common.
- How much you drive: The number of kilometres you drive in a year affects the cost of car insurance in Ontario. The more you drive, the more likely you'll make a claim, the more you'll pay. If you use your vehicle only sparingly, consider a pay-as-you-go policy.
- Coverage amount and limits: In general, you’ll pay more for more coverage. Similarly, if you increase your coverage limits, your premium will go up as well.
- Additional drivers: Adding a secondary driver to your policy may increase your premiums. However, doing so is a good way to help a younger driver pay less and be able to reflect that they’re gaining driving experience.
| Insurance Companies | Company Type | Phone | Address |
|---|---|---|---|
| All Risks Insurance Brokers | Insurance brokers | (289) 932-1222 | 7-8279 Lundy's Ln., Niagara Falls, ON L2H 1H5 |
| Allstate Insurance | Insurance brokers | (289) 302-0119 | 3969 Montrose Rd #2, Niagara Falls, ON L2H 3A1 |
| Co-operators | Insurance brokers | (905) 357-6500 | 7925 McLeod Rd. F3, Niagara Falls, ON L2H 0G5 |
| Doug Mate Desjardins Insurance Agent | Insurance agent | (905) 354-5696 | 6251 O'Neil St. #4, Niagara Falls, ON L2J 1M6 |
| Insurance Hotline | Quotes comparison | 1 (855) 821-7312 | 225 King St W, Suite 1000, Toronto, ON, M5V 3M2 |
| LowestRates.ca | Quotes comparison | (604) 829-3714 | 730 Alexander St. Unit #1, Vancouver, BC V6A 1E3 |
| RATESDOTCA | Quotes comparison | 1 (844) 726-0907 | 225 King St W, Suite 1000, Toronto, ON, M5V 3M2 |
| Scoop Insurance | Insurance brokers | 1 (866) 456-6620 | 300 Lincoln St. Unit 22, Welland, ON L3B 4N4 |
Tips to get cheap car insurance in Niagara Falls
- Bundling: When an insurance provider holds more than one of a customer’s insurance policies, they’re likely to offer a discount.
- Increase your deductible: Raising your deductible is one of the easiest (and surest) ways to reduce car insurance payments.
- Compare rates: Shop around by using sites like RATESDOTCA to ensure you have the quotes to compare with.
- Keep a clean record: While it may seem obvious, ensure your driving record is clean and you maintain safe driving habits.
- Telematics: Apps that automatically monitor your driving behaviour, could cut your car insurance premiums significantly. These apps monitor everything from the speed you drive to how quickly you stop and turn—and brake.
- Tailor your coverage: Dropping collision coverage can help reduce rates. If your vehicle is worth less than $2,000-$3,000, the cost of collision coverage may not be worth the benefit.
- Get winter tires: Don’t underestimate the value of winter tires. Some insurance companies provide a discount when used, and of course, they add extra driving protection.
- Inform your insurance broker of adjustments you can make, for example, if you use your car less in the winter.
Frequently asked questions about car insurance in Niagara Falls
Here's everything you may be wondering about Niagara Falls car insurance.
Which company has the cheapest car insurance in Niagara Falls?
It’s hard to determine who has the cheapest rates on your own. Comparison sites like RATESDOTCA will ensure you are seeing quotes from the least expensive sources to help you make an informed decision.
There are many additional ways to bring down your rate. Some of the easiest tactics include bundling insurance, increasing the deductible, installing winter tires and agreeing to use telematics which will result in savings if you're deemed to have safe driving habits.
What are the best car insurance companies in Niagara Falls?
Choosing the right car insurance company for you is a personal choice. Comparison shop using RATESDOTCA and talk to brokers or agents to see who can offer the best policies and customer service you need.
Can I get month-to-month car insurance in Niagara Falls?
Month-to-month car insurance in Niagara Falls is essentially non-existent. Some insurance companies offer six-month policies, but typically a policy lasts one year.
How do I get car insurance as a new driver in Niagara Falls?
New drivers typically pay more for insurance than experienced drivers, mainly due to the risk factor. If you have the option to do so, try persuading a parent, partner or very good friend to add you as a named driver to their insurance policy.
Is ride sharing insurance available in Niagara Falls?
Ride sharing insurance is linked more to companies than cities. For example, FSRA has approved auto insurance products for the following ride-sharing companies only:
- Facedrive – policy provided by Northbridge General Insurance Corporation
- Lyft – policy provided by Aviva Insurance Company of Canada
- RideCo – policy provided by Northbridge General Insurance Corporation
- Uber – policy provided by Economical Mutual Insurance Company
- Uride – policy provided by Northbridge General Insurance Corporation
- NRT OnDemand – policy provided by Hartford Fire Insurance Company of Canada
- Zoom Innovations Inc. – policy provided by Northbridge General Insurance Corporation
- Y Drive- policy provided by Northbridge General Insurance Company
- M Ride Inc. - policy provided by Northbridge General Insurance Company
*Shoppers in Niagara Falls who obtained a quote on RATESDOTCA from January to December 2023 saved an average of $530 per year. The average savings represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third-lowest quoted premiums generated by RATESDOTCA.
Joel Kranc, Freelance writer
Joel Kranc is a freelance writer and content provider who has worked with RATESDOTCA since 2019. He holds an MA in political science from the University of Toronto and a film certificate from New York University.
He has been published in and worked for such companies as CNN, Rogers Media, Institutional Investor Magazine, The Globe and Mail, Infrastructure Investor, BenefitsPRO Magazine, Global Finance Magazine, With Intelligence, the CPP Investment Board, Hospitals of Ontario Pension Plan, and many more financial services and industry publications.
He is the author of "Retirement Planning in 8 Easy Steps," which, when released in 2015, was No. 11 on the Publisher's Weekly US Bestseller List for Business and Finance, beating out Mark Cuban's "How to Win at the Sport of Business."
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