See car insurance rates in Niagara Falls, Ontario.

Part of a series on car insurance rates in Ontario.

Fast facts about auto insurance in Niagara Falls

Average annual car insurance rate

Regular drivers in the city

Collisions per year (approximately)

%

Collision rate for the city

Average age

Average household income

%

Unemployment rate

Population

Understanding car insurance in Niagara Falls, Ontario

Niagara Falls has been a tourist attraction for Ontario and the world at large for more than a century, and that makes it a bit of a special case compared to other cities.

Being a major tourist destination, the city needs to prioritize maintenance on the roads within and around Clifton Hill (where the horse shoe falls and tourist attractions reside). Unfortunately that can leave many other roads with pot holes that can seriously damage your car—seven of the Niagara Region’s worst roads are in Niagara Falls itself. Be careful not to damage your car out there!

Two other factors put Niagara Falls’ average car insnurance rate on the higher end of the spectrum.

First, it has an above-average collision rate. Whereas other cities tend to hover around 2.9%-3.3%, Niagara Falls’ collision rate sits at 3.91%. That’s a lot of collisions for a relatively small city, even if it is a tourist destination.

Second, 24.24% of those collisions result in personal injuries. That costs a lot more than just replacing a car. For comparison, only 19.41% of collisions result in personal injuries in St Catharines.

Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 18% on car insurance when you bundle them.

Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 18% on car insurance when you bundle them.

Busting myths about driving and insurance in Niagara Falls

Myth: Commuting from Niagara Falls isn’t realistic.

There are modest options for workplace commuting destinations, like Grimsby, Niagara-on-the-lake, and Stoney Creek. Even better, Niagara Falls is getting its own GO Train station in the next several years. This could very well change how people pick their homes and jobs in the future.

Myth: Niagara Falls has infrastructure problems.

This depends on where you’re living and driving in the city. Being a major tourist destination for at least a century, it’s no surprise that some roads are well kept. Despite that, residents do voice concerns over road maintenance and dangerous potholes that can certainly damage your car if you aren’t careful.

Myth: Commuting from Niagara Falls isn’t realistic.

There are modest options for workplace commuting destinations, like Grimsby, Niagara-on-the-lake, and Stoney Creek. Even better, Niagara Falls is getting its own GO Train station in the next several years. This could very well change how people pick their homes and jobs in the future.

Myth: There aren’t a lot of drivers in Niagara Falls, which lowers rates.

False, unfortnuately. Car insurance rates are calculated by mixing in your personal driving record, the number of collisions and claims in your area, the financial amount paid out in claims nearby—as well as the number of claims made around you. Niagara’s collisions happen often enough and result in enough personal injuries to raise rates up to a point.

How Niagara Falls’ rates compare to other cities in Ontario

  • North York: $4,261
  • Etobicoke: $4,199
  • Brampton: $4,071
  • Scarborough: $3,825
  • Richmond Hill: $3,579
  • Mississauga: $3,474
  • Markham: $3,389
  • Niagara Falls: $3,321
  • Hamilton: $3,201
  • Ajax: $3,053
  • York: $2,999
  • Toronto: $2,983
  • Barrie: $2,924
  • London: $2,765
  • Oakville: $2,720
  • Kitchener: $2,705
  • Windsor: $2,536
  • Burlington: $2,476
  • Gloucester: $2,256
  • Ottawa: $2,195

Quick tips on driving in Niagara Falls

Move away from the downtown core.

Niagara Falls locals tend to love their town, but they’re also selective about where to live and where not to live. There’s a solid consensus to live outside of the downtown area or the Falls View neighbourhood. Doing that should take you out of a areas with the highest density of reported crimes, helping out both your home and auto rates.

Take advantage of low real estate costs and plenty of commuting options.

Niagara Falls has an advantage over many other communities around it in the form of lower real estate prices. You can take advantage of those prices by living in Niagara Falls to work in St Catharines, Niagara-on-the-lake, Thorold, Grimsby, Fort Erie, or Stoney Creek. The additional exposure to risk through commuting will probably pay off with lower real estate prices.

Avoid roads that could damage your car.

There are some roads that you should just avoid in general, such as:

  • McLeoad Road
  • Drummand Road
  • Portage Road
  • Garner Road
  • Lundy’s Lane
  • Kalar Road
  • Willoughby Drive

Self-employed? Work from home and save big on your car insurance rates.

Did you know that 8.9% of Niagara Falls’ workforce is self-employed? If you fall into that category or plan to work for yourself in the future, then you could save a lot of money on your car insurance rates.

If you work from home then you can reduce your annual commuting distance to a very, very low number. That reduces your roadside risk, which in turn lowers your car insurance premium.

Sources for fast facts about Niagara Falls:

  • Statistics Canada, Niagara Falls 2016 Census Profile
  • Ministry of Transportation, 2016 Road Safety Report
  • City News, “Province announces major GO train expansion”
  • St Catharines Standard, “Seven of Niagara’s 10 worst roads in Falls: CAA survey”

Source for average insurance rates by city:

  • Survey of 2,800 auto insurance policy holders in Ontario

Google Rating: 4.8

Hot Dang! Those are some beautiful words from beautiful people.