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Niagara Falls is a city located in southern Ontario, Canada, on the western bank of the Niagara River. It is situated across from the city of Niagara Falls, New York, in the United States and is approximately 130 km (80 miles) southeast of Toronto.

The city is known for its stunning natural attraction, Niagara Falls, which draws millions of visitors from all over the world every year. The Niagara Falls are easily accessible from the city’s downtown area, and visitors can take boat tours, walk along observation decks, or even take a helicopter tour to experience the falls up close.

In addition to the falls, Niagara Falls city is home to a range of other attractions and activities, including Clifton Hill, a popular tourist district with numerous amusement parks, restaurants, and souvenir shops, and the Niagara Parks Botanical Gardens, which feature a range of beautiful flowers and plants.

The city also offers many outdoor recreational opportunities, including hiking, biking, and golfing, as well as winery tours and tastings. Overall, Niagara Falls is a vibrant city with a rich history, natural beauty, and numerous attractions that make it a must-visit destination for travelers to Canada.

Is car insurance cheaper in Niagara Falls?

Generally speaking, insurance rates in Niagara Falls may be similar to other cities in Ontario, or they may be higher or lower depending on individual circumstances.

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

insurance price

Here are some rough estimates for the average monthly and yearly car insurance costs in Niagara Falls:

  • Average monthly cost: $120 – $180
  • Average yearly cost: $1,440 – $2,160

Here is a table of the average cost of car insurance in Niagara Falls, Ontario per year and per month for different driver profiles and cars.

Driver ProfileCar TypeAverage Annual CostAverage Monthly Cost
Male, Age 30Sedan$1,400 – $1,700$116 – $142
SUV$1,500 – $1,900$125 – $158
Truck$1,400 – $1,800$116 – $150
Electric Car$1,800 – $2,200$150 – $183
Female, Age 40Hatchback$1,300 – $1,600$108 – $133
Minivan$1,400 – $1,700$116 – $142
Hybrid Car$1,700 – $2,100$141 – $175
Sports Car$2,500 – $3,500$208 – $292
Male, Age 50Wagon$1,200 – $1,500$100 – $125
Coupe$1,500 – $1,900$125 – $158
Van$1,400 – $1,800$116 – $150
Exotic Car$5,500 – $8,500$458 – $708

Average car insurance costs for different driver profiles in Niagara Falls

Here is a table of the average car insurance costs for different driver profiles in Niagara Falls, Ontario, per year and per month:

Driver ProfileAverage Annual CostAverage Monthly Cost
New Driver$3,500 – $5,500$292 – $458
Secondary Driver$1,200 – $1,800$100 – $150
G1 Driver$5,000 – $7,000$417 – $583
G2 Driver$3,500 – $5,500$292 – $458
Full G$1,200 – $1,800$100 – $150
Teenage Driver$6,000 – $9,000$500 – $750
Young Driver$3,500 – $5,500$292 – $458
High-risk Driver$7,000 – $10,000$583 – $833
17 Years Old$6,000 – $9,000$500 – $750
Seniors$1,000 – $1,500$83 – $125
Over 55 Years Old$1,000 – $1,500$83 – $125
Students$2,500 – $4,000$208 – $333
International Driver$3,000 – $5,000$250 – $417
Newcomers$3,000 – $5,000$250 – $417
Men Driver$2,500 – $4,000$208 – $333
Women Driver$1,800 – $3,000$150 – $250
Married Couples$1,000 – $1,500$83 – $125
Usage-Based$1,200 – $2,000$100 – $167
Uber$5,000 – $7,000$417 – $583

Average car insurance costs in Niagara Falls for different types of cars

talking to insurance broker

Here is a table of the average car insurance costs in Niagara Falls, Ontario, per year and per month for different types of cars:

Car TypeAverage Annual CostAverage Monthly Cost
Sedan$1,400 – $1,700$116 – $142
Convertible$1,800 – $2,200$150 – $183
Hatchback$1,300 – $1,600$108 – $133
Wagon$1,200 – $1,500$100 – $125
Coupe$1,500 – $1,900$125 – $158
SUV$1,500 – $1,900$125 – $158
Truck$1,400 – $1,800$116 – $150
Minivans$1,400 – $1,700$116 – $142
Van$1,400 – $1,800$116 – $150
Electric Car$1,800 – $2,200$150 – $183
Hybrid Car$1,700 – $2,100$141 – $175
Multi Car$1,000 – $1,800$83 – $150
Exotic Car$5,500 – $8,500$458 – $708
Sports Car$2,500 – $3,500$208 – $292
Leased cars$1,800 – $2,200$150 – $183
2 Door$1,500 – $1,900$125 – $158

Average car insurance costs in Niagara Falls based on driving history

Here is a table of the average car insurance costs in Niagara Falls, Ontario, per year and per month based on driving history:

Driving HistoryAverage Annual CostAverage Monthly Cost
Clean driving record$1,200 – $1,800$100 – $150
1 one at-fault accident$2,500 – $4,500$208 – $375
1 non-fault accident$1,700 – $2,500$141 – $208
DUI conviction$5,000 – $7,000$417 – $583
1 speeding ticket$1,500 – $2,000$125 – $167

Which companies and brokers offer car insurance quotes in Niagara Falls?

Here is a list of 20 companies and brokers that offer car insurance quotes in Niagara Falls, Ontario:

  1. Allstate
  2. Aviva Canada
  3. Belairdirect
  4. BrokerLink
  5. CAA Insurance
  6. Desjardins Insurance
  7. DirectProtect Insurance
  8. Economical Insurance
  9. Gore Mutual Insurance
  10. Intact Insurance
  11. Johnson Insurance
  12. KTX Insurance Brokers
  13. McDougall Insurance and Financial
  14. Mitchell & Whale Insurance Brokers
  15. Morison Insurance
  16. My Insurance Broker
  17. Onlia Insurance
  18. Surex Direct
  19. The Co-operators
  20. Travelers 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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