Compare Guelph car insurance quotes & save today

Guelph – also known as the "Royal City" – might welcome you with the distinctive scent of manure, highlighting its agricultural roots. This city thrives on higher education, hosting the renowned Ontario Agricultural College, Ontario Veterinary College, and the University of Guelph. Thanks to its strong economy and low crime rates, Guelph enjoys some of the lowest car insurance premiums in Ontario, averaging just over $1,000. However, premiums can spike to nearly $3,000 in areas with high collision rates and extensive roadwork. To get the best value possible, Guelph residents should shop around for car insurance quotes.

Auto insurance in Ontario is a requirement. Private companies issue coverage, but the system is overlooked by the Financial Services Regulatory Authority of Ontario (FSRAO). This ensures rate increases are substantiated – simply put, an insurer can't raise rates without prior approval from the regulatory body. Rate increases also need to be backed by financial records.

Guelph (along with the rest of Ontario) also operates under a no-fault insurance system. This doesn't mean you'll never be deemed at fault after an accident. Instead, it means that you'll generally be making claims under your own insurer, regardless of fault. 

To learn everything there is to know about auto insurance in the city, be sure to read on. When you're ready, you can also compare personalized car insurance quotes to find your best rate. We can connect you with a licensed broker who will guide you seamlessly through the process of securing your Guelph car insurance policy. 

To further customize your car insurance, you can also add Ontario Policy Change Forms (OPCFs) to your policy. While the selection of endorsements may differ depending on the provider you choose, here are some popular options for Guelph drivers.

In Guelph, the average cost of car insurance is about $1,200 per year or just over $100 per month. Keep in mind, however, that rates are calculated based on your individual profile – to find the exact cost you'll be paying, be sure to compare personalized car insurance quotes with us. Below are three sample quotes our Guelph users received from us (last updated in June 2024).

It pays to shop the market for cheap Guelph car insurance. This is because different insurers offer different rates based on a list of personalized factors. Here, we cover a few main ones, so you can better understand how insurers come up with your quote.

While insurers are the ones that quote you, there are many steps you can take to make sure you're getting the cheapest Guelph car insurance on the market. Here, we cover ten different tips to help lower your premium.