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Updated
St. Catharines is the largest city in Niagara Region, which means that you may need a car to get around and, by extension, car insurance. In Ontario, the fine for not carrying valid auto insurance – whether you drive, lease or own a car – ranges from $5,000 to $50,000. Your car may also get impounded, and your driver’s license suspended. In addition, insurers may consider you a “high-risk driver” and either charge you a lofty premium or refuse serving you altogether.
If you end up in a car accident without car insurance, things can get even worse. If at fault, you may get saddled with hefty medical, repair and other bills. And if the reverse is true, you may not be able to sue the at-fault driver for compensation. You also won’t be able to claim replacement or non-earner benefits.
The takeaway here is that not having car insurance is a very, very bad idea. So, purchase it for your own good. You can easily get a quote through one of the following:
Who regulates car insurance in St. Catharines?
The Financial Services Regulatory Authority of Ontario (FSRAO). It makes sure that insurers obey all relevant legislative rules and deliver fair prices to all their customers. It also protects consumer rights and reviews consumer complaints to ensure no rules are broken.
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| 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. | 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 |
The average auto insurance rate in St. Catharines is $1,327 per year, or roughly $111 per month, according to the RATESDOTCA Insuramap data (gathered in 2022). Given that average annual premiums in Ontario can be as high as $2,000 – or higher – this is a very good rate.
Auto insurance in St. Catharines will likely cost more than $1,327 per year on average. That’s because insurance rates, overall, are going up – back to what they used to be before the pandemic. Many insurers applied for rate increases in late 2022, which means that their clients are likely already paying higher rates. The rate increase in the first quarter of 2023 is predicted to be 5% and 7%-8% in the second quarter. Third and fourth quarters will experience similar increases.
| Rank | City | Average 2021 premium | Difference from St. Catharines' 2021 average |
|---|---|---|---|
|
1. |
Vaughan |
$2,179 |
64% |
|
2. |
Ajax |
$2,104 |
59% |
|
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% |
|
37. |
St. Catharines |
$1,327 |
- |
With the average rate of $1,327 per year, St. Catharines has some of the lowest premiums in Ontario, especially when compared to those in the Greater Toronto Area (GTA). Factors like your age, vehicle and driving record may result in a higher or lower rate for you personally, so don’t view this as the exact reflection of what you’ll find out there. For more details, see our methodology for calculating these averages.
| Company name | Company type | Phone number | Address |
|---|---|---|---|
|
All-Risks Insurance Brokers Ltd. |
Insurance broker |
905-938-5078 |
11-33 Lakeshore Rd, St. Catharines, ON L2N 7B3 |
|
Allstate Insurance: St. Catharines Agency |
Insurance agency |
289-273-5241 |
B5-275 Fourth Ave, St. Catharines, ON L2S 0C2 |
|
Billyard Insurance Group |
Insurance broker |
905-228-2976 |
A-204 Niagara St, St. Catharines, ON L2M 4V4 |
|
Hope & Harder Insurance Brokers |
Insurance broker |
905-685-1304 |
512 Welland Ave, St. Catharines, ON L2M 5V5 |
|
Quotes comparison |
1-855-821-7312 |
225 King St W, Suite 1000, Toronto, ON, M5V 3M2 |
|
|
Quotes comparison |
1-855-487-6911 |
401-1910 Yonge St, Toronto, ON M4S 3B2 |
|
|
Quotes comparison |
1-844-726-0907 |
225 King St W, Suite 1000, Toronto, ON, M5V 3M2 |
|
|
Insurance broker |
1-866-456-6620 |
22-300 Lincoln St, Welland, ON L3B 4N4 |
|
|
Seymour Fair Insurance Brokers |
Insurance broker |
905-685-8500 |
200 Welland Ave, St. Catharines, ON L2R 2P3 |
|
Sottile-Olsen Insurance Brokers Inc. |
Insurance broker |
905-984-4266 |
100 Fourth Ave, St. Catharines, ON L2S 3P2 |
If you’re worried that the above-listed factors will result in overly high car insurance premiums, don’t be, because there are plenty of things you can do to lower them. Here’s what they are:
Need more information on St. Catharines car insurance? We got you covered.
It’s hard to pinpoint which provider in St. Catharines offers the cheapest car insurance because rates tend to be based on a variety of individual factors. Your age, location, car, driving record, experience and so on will all play a role in determining your specific premium.
That said, you can get something approximating a flat rate by comparing quotes on websites like RATESDOTCA. Just enter a few details about yourself, and you’ll be able to access the cheapest quotes in your area.
Unfortunately not. Year-long policies are the only ones you’re likely to get from insurers in Ontario – though in some rare cases you may be able to secure a six-month policy. Luckily, you can get around this problem. Depending on your circumstances, you can try the following:
Drivers save an average of $772 on car insurance in St. Catharines. The reason they’re able to do so is RATESDOTCA’s comparison tool, which gets car insurers to compete against each other. Competition drives the premiums down, which is how you can secure the cheapest rate.
That said, insurers will still evaluate you based on factors such as age, driving record, location and so on. You will save money in the end – just don’t expect to bypass the entire process.
Absolutely. Whether you’re a driver, car owner or passenger, the moment the ridesharing app is on, you’ll be covered by the insurer affiliated with the app (whether it’s Uber, Lyft or anything else similar). Even so, we do recommend that you inform your car insurance provider before using your car for ridesharing.
For your convenience, the FSRAO has put together a list of all approved ridesharing companies and their corresponding insurers in Ontario. Have a look:
If you raise your deductible to $1,000 or $2,000, you can save up to 40% or more on your car insurance. You get to adjust your deductible amount when purchasing the insurance. The standard deductible amount in St. Catharines (and the rest of Ontario) is $500.
Should you choose to raise your deductible, be mindful that the higher it is, the more you’ll have to pay if you get into an accident, which may cancel out any savings you make along the way.
Saving on car insurance in St. Catharines has never been easier, as it takes only a few clicks.
Before renewing your insurance policy for another year, see if another insurance provider can offer you a better rate.
RATESDOTCA compares more car insurance quotes than anyone else in Canada. So, join thousands of St. Catharines drivers who already use the website and find yourself the cheapest car insurance rate available.
*Shoppers in St. Catharines who obtained a quote on RATESDOTCA from January to December 2023 saved an average of $524 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.
**Represents the average saved by shoppers who obtained a St. Catharines quote on RATESDOTCA and transacted via our contact centre between January and December 2021. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by RATESDOTCA.
Taras has over nine years of content marketing experience across multiple industries in B2B and B2C spaces. He has produced thought leadership content for organizations like Constellation Software, Facebook and Yellow Pages as well as outlets like Huffington Post and MSN Canada.
He graduated from York University with a Bachelor of Arts degree and studied Technical Communication at Seneca College.
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