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Guelph is a city in southwestern Ontario, Canada. It is located approximately 100 kilometers west of Toronto and has a population of around 136,000 people. Guelph is known for its historic downtown, beautiful parks, and vibrant arts and culture scene.

The city is home to the University of Guelph, which is one of Canada’s leading research universities. It also has a diverse economy that includes sectors such as manufacturing, agriculture, healthcare, and technology.

Guelph has many attractions and amenities for residents and visitors alike. Some of the most popular include the Guelph Farmers’ Market, which is one of the oldest farmers’ markets in Ontario; the Guelph Civic Museum, which showcases the city’s history and culture; and the Guelph Arboretum, which features over 2,000 trees and plants.

The city is easily accessible via Highway 401 and Highway 7, as well as by public transit, including Guelph Transit buses and GO Transit trains and buses. Guelph also has a network of trails and bike lanes that make it easy to get around the city by bike or on foot.

Is car insurance cheaper in Guelph versus Toronto?

Driving School Car

Car insurance rates in Guelph are generally lower than in Toronto, although this can vary depending on a number of factors. Guelph is a smaller city with less traffic and a lower population density than Toronto, which can contribute to lower insurance rates. Additionally, the cost of living in Guelph is generally lower than in Toronto, which can also affect insurance rates.

Calculating and comparing Guelph car insurance quotes

To calculate and compare car insurance quotes in Guelph, you can follow these steps:

  1. Determine the coverage you need: Consider factors such as your driving habits, the value of your vehicle, and your budget to determine the coverage levels that are appropriate for you.
  2. Gather information about your vehicle: You will need information about your vehicle, including its make, model, year, and any safety features it has.
  3. Gather information about your driving history: You will also need information about your driving history, including any accidents, tickets, or claims you have made in the past.
  4. Get quotes from multiple providers: Contact several insurance providers and request quotes based on the coverage levels you need and the information about your vehicle and driving history.
  5. Compare the quotes: Once you have received quotes from multiple providers, compare them to see which one offers the best rate for the coverage you need.
  6. Consider other factors: In addition to price, consider other factors such as customer service, reputation, and the company’s financial stability when choosing an insurance provider.

What’s the average cost of car insurance in Guelph per month and per year?

safe driving

Here are some example average costs of car insurance in Guelph per month and per year based on different driver profiles and coverage levels:

Driver Profile: New Driver Coverage Level: Basic Average Cost Per Year: $2,400 Average Cost Per Month: $200

Driver Profile: Experienced Driver Coverage Level: Standard Average Cost Per Year: $1,800 Average Cost Per Month: $150

Driver Profile: High-Risk Driver Coverage Level: High Average Cost Per Year: $3,600 Average Cost Per Month: $300

Please note that these are just example average costs based on fictional driver profiles and coverage levels.

Here’s a table that outlines the average cost of car insurance in Guelph based on different driver profiles, different cars, and coverage levels:

Driver ProfileCar TypeCoverage LevelAverage Cost Per YearAverage Cost Per Month
New DriverSedanBasic$2,400$200
Experienced DriverHatchbackStandard$1,800$150
High-Risk DriverSUVHigh$3,600$300
Teenage DriverConvertibleHigh$5,400$450
Senior DriverMinivanBasic$1,500$125
Male DriverCoupeStandard$2,400$200
Female DriverWagonHigh$3,000$250

Average car insurance costs in Guelph based on different driver profiles

Here’s a table that outlines the average car insurance costs in Guelph based on different driver profiles per year and per month:

Driver ProfileCoverage LevelAverage Cost Per YearAverage Cost Per Month
New DriverBasic$2,400$200
Secondary DriverStandard$1,800$150
G1 DriverHigh$3,600$300
G2 DriverBasic$2,400$200
Full G DriverHigh$3,000$250
Teenage DriverHigh$5,400$450
Young DriverStandard$2,400$200
High-risk DriverHigh$4,200$350
17 Years OldHigh$5,400$450
Senior DriverBasic$1,500$125
Over 55 Years OldStandard$1,500$125
Student DriverBasic$2,400$200
International DriverHigh$3,600$300
Newcomer DriverStandard$2,400$200
Male DriverBasic$2,400$200
Female DriverHigh$3,000$250
Married CoupleStandard$1,800$150
Usage-Based DriverBasic$2,400$200
Uber DriverHigh$3,600$300

Average car insurance costs in Guelph for different types of cars

driving nissan

Here’s a table that outlines the average car insurance costs in Guelph for different types of cars per year and per month:

Car TypeCoverage LevelAverage Cost Per YearAverage Cost Per Month
SedanStandard$1,800$150
ConvertibleHigh$3,600$300
HatchbackBasic$2,400$200
WagonStandard$2,400$200
CoupeHigh$3,000$250
SUVBasic$2,400$200
TruckStandard$2,400$200
MinivansBasic$2,400$200
VanHigh$3,000$250
Electric CarHigh$3,600$300
Hybrid CarBasic$2,400$200
Multi CarHigh$3,000$250
Exotic CarHigh$5,400$450
Sports CarHigh$4,200$350
Leased carsStandard$2,400$200
2 DoorHigh$3,600$300

Average car insurance costs in Guelph based on the driver’s driving history

Here’s a table that outlines the average car insurance costs in Guelph based on the driver’s driving history per year and per month:

Driving HistoryCoverage LevelAverage Cost Per YearAverage Cost Per Month
Clean driving recordStandard$1,500$125
1 one at-fault accidentHigh$3,000$250
1 non-fault accidentBasic$2,400$200
DUI convictionHigh$5,400$450
1 Speeding TicketBasic$2,400$200

Which companies and brokers offer car insurance quotes in Guelph?

There are many insurance companies and brokers that offer car insurance quotes in Guelph. Here are 20 companies and brokers that operate in Guelph:

  1. Allstate Insurance
  2. Belairdirect
  3. BrokerLink
  4. CAA Insurance
  5. Canada Brokerlink
  6. Desjardins Insurance
  7. Direct-Line Insurance
  8. Gore Mutual Insurance
  9. Intact Insurance
  10. Johnson Insurance
  11. McDougall Insurance & Financial
  12. Mitchell & Whale Insurance Brokers
  13. PC Insurance
  14. Peel Mutual Insurance
  15. RBC Insurance
  16. State Farm Insurance
  17. Surex Direct
  18. TD Insurance
  19. The Co-operators Insurance
  20. Wawanesa Insurance

About the Author: Robert Davis

He is an insurance content professional with vast knowledge and a special aptitude and interest in imparting insurance education. He has authored many articles on insurance.

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