Auto Insurance in Ontario

auto insurance in ontario

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WHAT YOU NEED TO KNOW ABOUT CAR INSURANCE IN GUELPHWe have compiled some of the most relevant information about Guelph car insurance numbers from top sources to help further assist you in understanding how your auto insurance premiums are determined.


People Live in Guelph

Westminster Woods

One of the most popular areas of Guelph


Median age of drivers in Guelph


Percentage of Residents With Cars in Guelph


Average annual premium in Guelph


Average monthly premium in Guelph

Living and Driving in Guelph, Ontario

What sort of name is Guelph, you may ask? The city gained its name in honour of King George IVs surname, which was Guelph. Still, 185 years later, although altered, the city name bears the royal touch, dubbed “The Royal City.” But royalty, or commoner, you still require insurance to drive on Guelph highways. Before you back your chariot, or four-door, out of the driveway, make sure you are insured with the best auto insurance policy at the best rate available.


Guelph, Ontario, rests where the Eramosa and Speed Rivers meet. The city has a high livability score of 88. It is no wonder it has grown into number two in best places to live in Ontario and number five in all of Canada.

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What Does My Auto Insurance Policy in Guelph Cover?

Mandatory coverage for insurance in Ontario

This covers legal expenses if you’re sued after an accident. It covers the costs associated with injuries and damage that you caused to others if you’re at-fault in an accident.

This coverage provides funds if someone is injured and in an accident.

This covers all costs if a driver is uninsured or in the event of a hit-and-run.

Covers damage to your vehicle or other property if you’re not at fault in an accident that’s in Ontario.

Optional coverage for insurance in Ontario

This covers damage to your vehicle if you’re involved in an accident with an object, or are at-fault.

Covers damage to your vehicle which happen from incidents other than an accident such as hail, wind, water, theft, or even vandalism.

This coverage gives you one ‘free’ at-fault accident, meaning your rates will not increase on your first accident if you remain with the same company.

If your vehicle is deemed a total loss this coverage will protect you from depreciation. You’ll be entitled to the original price you paid/current sale price of your car. 

This covers the expenses relating to towing your car after an accident.

You can have your car insurance coverage extend to protect you while driving a rental vehicle up to a certain limit.

City by City Average Auto Insurance PremiumsHow does Guelph compare to other cities in Ontario.

Ontario $1,505
Etobicoke $1,684
Niagara Falls $1,327
Mississauga $1,996
Waterloo $1,351
Orangeville $1,766
Grimsby $1,368
Hamilton $1,664
Cambridge $1,378
Burlington $1,374
Ajax $2,104
Toronto $1,953
Brampton $1,976
Guelph $1,391
Milton $1,498


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Google Rating: 4.7Some awesome words from our Duliban Client Family

Kathryn Hutson
Kathryn Hutson
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dan tocchet
Excellent service from moment they contacted me to when both auto & home insurance was set up. Definitely would recommend Duliban Insurance Brokers.
Wanda Durbin
Wanda Durbin
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Eyad Daoud
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brandon rayray
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Moncef El Jirari
Moncef El Jirari
I just started shopping and browsing as I am planning to buy a car in the next few months, and Amy Brown called me to give me all the information I need to make the right decision on what insurance company to choose. She was very professional and very helpful even though she knows I'm buying an insurance in the future as my new car is not ready yet. The rates and coverage she could find me are unbeatable for Toronto Midtown. I highly recommend to anyone looking for an Insurance Broker. Thanks Amy Brown in case you read this message.
Jennifer Lemieux
Jennifer Lemieux
oops, Troy Blackledge - sorry Troy!!
george farrell
george farrell
I've completed my first year with Duliban Insurance brokers. Signing up for auto insurance I happily saved hundreds of dollars annually for one car. Being a senior with an excellent record Amy Brown made it simple and quick with big savings to begin my new auto policy. I had been with prior insurer for close to 20 years of clean driving. Kudos to Amy and the Duliban Insurance team! Much success!!
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Jeremy Dunn
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How Duliban Works.

We are an independent insurance brokerage and distributer dating back to 1976. Helping with all insurance products from Canada's top providers, we represent you with one goal in mind..... to secure the best coverage at the best price for you our valued client.

STEP 1Call us at 1-855-385-4226, chat with us over live chat or provide us your information by clicking get a quote on one of our insurance products. This can take as little as 5 minutes!

STEP 2Meet your very own shopper! Our brokers will personalize a policy for you and match you with the best rate and coverage from the top providers.

STEP 3It's as simple as that! Now you have your coverage. Leave it to us we will manage the rest ensuring you receive your documents with e-signature and so on.

STEP 4Leave us a review! We love to hear about your experience and it matters to us! This is how we know what you want, how well we did, and how we can best serve you.

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We provide competitive quotes from 25+ of Canada's top insurance providers.

We provide competitive quotes from 25+ of Canada's top insurance providers.

As Insurance Brokers representing you, we have put together some reviews of our partners. These are from our individual brokers who have had years of experience working with each of our partners.
our broker reviews of insurance providers

Who are Duliban Insurance Brokers LTD?Your Hometown Ontario Insurance Broker Since 1976

Our history starts in 1976. After 20 plus years working for a local steel mill, James Duliban purchased a small insurance brokerage in Welland called ‘R.F. Seehuber Insurance Agency’ and operated at that time under James Duliban Insurance Brokers.

What Are Some Fun Activities in Guelph, Ontario?

Guelph, Ontario, has activities for everyone:

  • Sleeman Centre
  • Hammond Museum of Radio
  • Khronos Gauntlet Escape Rooms
  • Guelph Concert Theatre
  • Guelph Lake Conservation Area
  • Guelph Radial Line Trail
  • Guelph Lakes Golf and Country Club
  • Stone Road Mall
  • The Arboretum
  • Riverside Park
  • Preservation Park

These are just a few of the many activities Guelph has to offer its residents and visitors. From the quiet paths of the parks to the roaring crowds for the Guelph Storm, there are all manners of entertainment for visitors and residents alike.

Guelph Roads and Surrounding Areas

It is simple to find your way around the city. You have three major highways that will take you wherever you need to go. The city is situated where Highways 6, 7, and 24 meet. You also have Edinburg Road, Waterloo Avenue, and Gordon Street, there to help all hundred forty-five thousand residents up, around, and through the whirlwind city.


Here are just a few of the most notable Guelph neighbourhoods.



Driving NW on Highway 6, you find the small city of Fergus. It is interesting because as we spoke of the smaller rivers of Guelph dumping into the Grand to the south, we find that Fergus rests on the Grand River to the North. What a windy river this is.


The city is also home to the Fergus Scottish Festival Highland Games. Each August, Scottish heritage is celebrated through music, crafts, and heavy event championships. And the hosts will bid each visitor a hearty Taphadh Leibh as they exit the fairgrounds (that is, ‘thank you’ is Scottish Gaelic).




If you head northeast out of Guelph, you will come upon a turn on Highway 7. This is Rockwood. Yet, before you come to that intersection, you see the entrance to the Rockwood Conservation Area.


This is an oasis of camping, canoeing, hiking, and fishing; if it has to do with the outdoors, there is something for you to do there. Seated on the Eramosa River, the scenery from places like Rockwood Falls and Sable Water Island is worth your trip.




Just another 10 kilometres past Rockwood, you find Acton. You will discover many activities here, from the PGA-approved, eighteen-hole golf course, Blue Springs Golf Club, to ice skating at Acton Arena, as well as outdoor activities in Prospect Park alongside Fairy Lake.

Acton has also been known for leather. They celebrate its history annually with the Leathertown Festival.

If your car is older and you do not have a loan on it, you might consider dropping the collision coverage. Just be aware that you may not have coverage for damage to your car depending on the circumstances of an accident.


Finally, shop around for auto insurance on occasion. Auto insurers are always looking for ways to lower their premiums. You might find that another insurance company offers a better rate than the one you are currently getting.

Let's find you the best possible Guelph insurance coverage

The Duliban Hometown Advantage

Don't let car insurance pricing in Ontario put you in a bad mood, we're here to help. With access to 25 of Canada's top insurance companies to shop from we are able to match your insurance needs with the right coverage at the right price. Get a quote above or call us now at 1-855-DULIBAN.

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