Car insurance Niagara Falls, ON

Part of a series on car insurance rates in Ontario.

Car Insurance Niagara Falls


What is the average car insurance cost in Niagara Falls?

The price of car insurance in Niagara Falls, Ontario, can vary depending on factors such as driving record, the driver’s age, vehicle type, and chosen coverage. According to available data, the average annual cost of car insurance in Niagara Falls is approximately $2,621. However, it’s important to note that this figure represents an average, and individual insurance rates can vary significantly. Factors specific to each driver’s circumstances and the insurance provider they choose can result in premiums higher or lower than the average cost.


For a more accurate understanding of Niagara Falls car insurance costs, obtaining quotes from multiple insurance companies and carefully comparing rates and coverage options is recommended. This approach allows for a thorough evaluation of insurance expenses tailored to your unique situation. By reaching out to aha insurance, you can collaborate with an insurance broker who will assist you in comparing quotes from reputable insurance companies, simplifying the process and saving you time and money. Their expertise ensures that you receive appropriate coverage options at competitive rates in Niagara Falls.

What are the types of car insurance in Niagara Falls?

There are a variety of car insurance coverage options accessible to drivers in Niagara Falls. These coverage categories differ in their scope of protection and associated costs. The primary forms of car insurance coverage available in Niagara Falls comprise the following:


Third-Party Liability Coverage

This is a requirement in many regions, including Niagara Falls. Liability coverage assists in covering expenses if you’re held accountable for causing harm to others or damaging their property in an accident. It’s divided into two components:


Bodily Injury Liability

In the unfortunate circumstance where you are deemed responsible for an accident resulting in injuries to others, bodily injury liability coverage comes into play to handle the affected party’s medical expenditures, hospital bills, and rehabilitation expenses. This coverage might also extend to legal fees if you face a lawsuit due to the accident.


Property Damage Liability

In situations where you’re at fault in an accident that leads to damage to someone else’s property, such as their vehicle, fence, or structure, property damage liability coverage assists in covering the costs of repairs or replacement. This coverage ensures your financial security against costly property damage claims.


Accident Benefits Coverage

Also obligatory, this coverage delivers essential financial aid for medical bills, rehabilitation, and even lost income for both you and your passengers, irrespective of fault in the accident. It guarantees that you and your loved ones receive essential care and assistance following an accident. 


Uninsured Motorist Coverage:

When you’re in an accident with a driver lacking insurance or carrying inadequate coverage to address your expenses, uninsured/underinsured motorist coverage intervenes to manage your medical expenses, rehabilitation outlays, and other costs that the responsible driver can’t cover.


Direct Compensation–Property Damage (DC-PD):

This compulsory coverage in Ontario, including Niagara Falls, ensures that when an accident occurs and another driver is deemed at fault, your own insurance company covers the expenses of repairing your vehicle and any contents within it. This coverage type eliminates the need for a protracted claims procedure with the other driver’s insurer.


Popular Optional Coverages:

Collision Coverage

Electing collision coverage signifies that in the event your vehicle undergoes damage due to a collision, the expenses for repairs or replacement (up to the actual cash value of your vehicle) are encompassed. This coverage offers assurance, ensuring you won’t be confronted with substantial repair costs.


Comprehensive Coverage

Comprehensive insurance surpasses collisions and encompasses damage to your vehicle arising from a broad spectrum of non-collision incidents. This encompasses scenarios like theft, vandalism, hailstorms, objects falling on your vehicle, fires, and even collisions with animals. Should your vehicle sustain damage due to any of these circumstances, comprehensive coverage aids in facilitating your return to the road without the weight of exorbitant expenses.


Remember that the chosen coverage types should harmonize with your circumstances, driving patterns, and financial plan. Reach out to aha insurance today to partner with an insurance broker who comprehends the implications of each coverage category and can assist you in arriving at an enlightened decision

How can I get the best car insurance in Niagara Falls?

When seeking the best car insurance in Niagara Falls, it’s essential to navigate through a variety of options and select coverage that aligns precisely with your specific needs and budget. With numerous insurance companies offering diverse rates, coverage options, and levels of customer service, the process can indeed be overwhelming. To ensure that you obtain the best car insurance in Niagara Falls, it’s crucial to undertake a comprehensive approach that encompasses the following steps:


Evaluate Your Requirements and Preferences

Initiate the process by assessing your individual needs and preferences. Take into account elements such as your driving patterns, the type of vehicle you possess, your

financial limitations, and any particular coverage prerequisites you may have. Are you aiming for basic coverage or a more extensive protection plan?


Collect Multiple Quotes

Contact various insurance providers to request quotations. Many insurers offer online tools for swiftly inputting your details and receiving quotes. Alternatively, you can directly reach out to insurance agents or collaborate with insurance brokers who can gather quotes on your behalf.


Explore Insurance Companies

Conduct research to pinpoint insurance companies operating in Niagara Falls. Seek out established firms known for their dependability, commendable customer service, and efficient claims processing. Dedicate time to review customer feedback and ratings of the insurance firms you’re assessing. This crucial step furnishes you with valuable insights concerning critical aspects such as the calibre of customer service, the efficacy of claims handling, and the general satisfaction level. By attentively considering the experiences shared by fellow policyholders, you can gain a better grasp of the insurer’s trustworthiness, responsiveness, and commitment to addressing customer requirements. Armed with this knowledge, you can make a judicious decision and select an insurance company in Niagara Falls that consistently offers exceptional customer service and support.


Thoroughly Examine Coverage and Rates

Upon receiving quotes, don’t solely focus on the premium expenses. Engage in a meticulous analysis of the coverage specifics within each policy. Compare aspects such as liability thresholds, collision and comprehensive coverage, deductibles, and any supplementary advantages or endorsements. It’s crucial to ensure that the policies being compared share similar levels of coverage.


Explore Discount Opportunities

Inquire about the array of available discounts. Insurance companies frequently provide discounts for commendable driving histories, bundling multiple policies, incorporating specific safety features in your vehicle, being a student, or maintaining commendable academic performance, particularly for young individuals.


Scrutinize Policy Terms and Provisions

Before arriving at a decision, thoroughly peruse the terms and conditions outlined within each policy. Pay meticulous attention to any exemptions or constraints that might influence your coverage. Ensure that you grasp the claims procedure and comprehensively comprehend how your coverage functions across various scenarios.


Engage the Expertise of Insurance Brokers

Seek the guidance of an insurance broker for skilled assistance in navigating the available options in Niagara Falls. A seasoned broker deeply understands the insurance landscape and can provide tailored guidance to identify the most fitting car insurance quote that aligns with your specific requirements and financial circumstances. Leveraging their access to an array of insurance providers, brokers can conduct thorough policy assessments, negotiate competitive premiums, and offer insightful viewpoints to simplify decision-making.


It’s important to bear in mind that finding optimal car insurance involves more than just acquiring the cheapest cost. It’s about obtaining the appropriate level of coverage for your unique circumstances and enjoying the assurance that you’re sufficiently safeguarded while on the road.

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


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
  • East York: $3,605
  • Woodbridge: $3,603
  • Richmond Hill: $3,579
  • Mississauga: $3,473
  • Markham: $3,389
  • Niagara Falls: $3,321
  • Bowmanville: $3,308
  • Peterborough: $3,259
  • Pickering: $ 3,245
  • Newmarket: $ 3,216
  • Hamilton: $3,201
  • Brantford: $ 3,158
  • Maple: $3,150
  • Whitby: $3,087
  • Ajax: $3,053
  • York: $2,999
  • Toronto: $2,983
  • Barrie: $2,924
  • Thornhill: $2,871
  • Waterloo: $2,867
  • Caledon: $2,780
  • London: $2,765
  • Fort Erie: $2,720
  • Oakville: $2,720
  • Sault Ste Marie: $ 2,713
  • Kitchener: $2,705
  • Milton: $2,680
  • St Catharines: $ 2,550
  • Windsor: $2,536
  • Woodstock: $2,513
  • Innisfil: $2,505
  • Burlington: $2,476
  • Kingston: $ 2,360
  • Cambridge: $2,297
  • Oshawa: $2,295
  • Guelph: $2,268
  • Gloucester: $2,256
  • Stoney Creek: $2,222
  • Nepean: $2,196
  • Ottawa: $2,195
  • Sudbury: $2,005
  • Kanata: $2,002
  • Thunder Bay: $1,973
  • Wasaga Beach: $1,958

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.

Niagara Falls Insurance FAQs

Does my car insurance cover me if I drive in New York state? 

While it’s wise to get your insurance advisor’s advice about cross-border trips to ensure you have enough coverage, Ontario auto insurance policies travel with you to the United States.  

Ontario has a no-fault insurance system which means your insurance company will pay your entitled claim regardless of whether you are found at fault for an accident. Having no-fault insurance makes it easier to settle claims without seeking compensation from another driver’s insurance company, especially when travelling outside of Canada.  

Remember that the direct compensation – property damage portion of your insurance policy probably won’t apply when driving in the U.S. because it only covers collisions between at least two drivers covered by Ontario insurance.  

Unlike the insurance coverage Ontario drivers must have, New York state mandatory auto insurance only includes third-party liability coverage with a maximum payout of $100,000 versus Ontario’s minimum liability limit of $200,000.  

We recommend increasing your third-party liability insurance limit to at least $1 million because medical and legal claims made against an at-fault driver after an accident can quickly add up, especially if you were involved in a collision with an underinsured American driver.  

Increasing your limits for statutory accident benefits is an excellent idea to ensure that you and your border crossing companions have enough compensation for medical expenses if an accident occurs. Accident benefits insurance is especially crucial if you were in a collision with an American driver who had the minimum legal auto insurance coverage required by U.S. state laws.  

You may also consider purchasing optional collision coverage to insure your vehicle for repairs if you hit another car or object. In addition, adding comprehensive coverage to your policy will insure your vehicle from many other potential threats like fire, theft, vandalism, falling objects and natural disasters.  

Learn more about what you need to know when driving outside of Canada.  

How do Niagara Falls' rates compare to other cities in Ontario? 

The average car insurance premium in Niagara falls is higher than the average rate for the 10 least expensive cities in Ontario, which belong to smaller municipalities like Port Hope and Cornwall.  

However, all other factors being equal, insurance in Niagara Falls is more affordable than the 10 Ontario cities with the most expensive average insurance rates in 2021. Car insurance tends to be the most costly for Ontario cities located in the Greater Toronto Area with high concentrations of daily commuters, such as Vaughn, Ajax and Richmond Hill.  

Unfortunately, Niagara Falls is among the top quarter of major Ontario cities with the highest insurance rates due to factors like accident frequency and collision injury rates. This is due to the tourist popularity of Niagara Falls and the high number of residents commuting to the GTA. Being strategic about where you live and regularly drive can help you save on car insurance when paired with safe driving.  

Find out how you can lower what you pay for car insurance in Ontario.  

How much does car insurance cost in Niagara Falls? 

Like every city in Ontario, car insurance for Niagara Falls residents will cost different amounts depending on several factors, including your neighbourhood, driving record and the type of vehicle/s you own.  

The average annual Ontario car insurance rate in 2021 was $1,505. While according to LowestRates.ca, the average Niagara Falls resident pays around $2,619 for coverage. Those living in Northern St. Catherines can expect to save more on auto insurance due to their address than those closer to downtown Niagara Falls, especially in the L2G postal code region.  

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

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