Get the best rates, & the hometown customer service you deserve.


Get the best rates, & the hometown customer service you deserve.

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?

Auto insurance is designed to protect you in several ways. The primary reason you should buy auto insurance is it protects you against liability when you are involved in an auto accident where you are responsible for someone else’s injuries or property damage.


Direct Compensation-Property Damage (DC-PD) is coverage that protects you and your vehicle. It covers your auto and its contents as well as the loss of use of your auto, and the payment will come directly from your insurance provider. DC-PD only applies if the accident occurs in Ontario and there was more than one vehicle involved. Also, at least one of the other vehicles must be insured by a company that is licensed in Ontario or has a special agreement with FSCO to provide insurance coverage.


Collision coverage is optional and covers your car. It is a valuable coverage to have if an accident does not qualify for DC-PD and you want to ensure you can get your car fixed.

Statutory accident benefits coverage pays for your medical bills if you are injured in an auto accident regardless of who caused the accident, and it pays for income loss as well.


There is always a concern that another driver will not have auto insurance. Therefore, auto insurance in Ontario includes uninsured automobile coverage to provide coverage if you or your passengers are killed or injured by an uninsured motorist or hit-and-run driver.


These are the basic auto insurance coverages in Ontario, and you can add extra coverages by endorsement or increasing certain limits.

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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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.

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Jennifer Lemieux
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