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


People Live in St. Catharines


Of St. Catharines residents drive a car


Median age of drivers in St. Catharines

22.33 km

Average daily commute in St. Catharines


Average annual premium in St. Catharines

$110 month

Average monthly premium in St. Catharines

Living and Driving in St. Catharines, Ontario

St. Catharines is a city in Niagara, Ontario, Canada, on the south side of Lake Ontario. The Garden City is a charming area to live in, with an abundance of parks, green spaces, and treed estates.

The city has a forestry department, which cares for resident trees and ensures their long-term health and beauty. Before moving or relocating to St. Catharines, you want to check your Auto Insurance policy.

St. Catharines is in Southern Ontario, 51 kilometers south of Toronto across Lake Ontario and 19 kilometers inland from the United States border along the Niagara River.

Two significant motorways serve as the primary access routes into and out of St. Catharines. The Queen Elizabeth Way runs east to west, and Highway 406 runs north (from the QEW) to south. Before constructing these freeways, St. Paul Street and Hartzel Road served as alternative routes.

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What Does My Auto Insurance Policy in St. Catharines 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 St. Catharines compare to other cities in Ontario.

Ontario $1,505
Hamilton $1,564
Niagara Falls $1,327
Welland $1,327
Waterloo $1,351
Pelham/Fonthill $1,327
Grimsby $1,368
Dunnville $1,394
Oshawa $1,833
Burlington $1,374
Ajax $2,104
Toronto $1,953
Brampton $1,976
Guelph $1,391
Milton $1,498

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Things To Do in St. Catharines, Ontario

St. Catharines is known for its plethora of outdoor activities and entertainment that include something for everyone.

  • Short Hills Provincial Park
  • Catharines Museum and Welland Canals Centre
  • Lakeside Park Carousel
  • Happy Rolph’s Animal Farm
  • Ontario Lacrosse Hall of Fame and Museum
  • Welland Canals Parkway Trail
  • Niagara Segway
  • White Meadows Farm
  • Lakeside Park Beach
  • Skyzone Trampoline Park
  • Niagara Fishing Adventures
  • First Ontario Performing Arts Centre
  • Woodend Conservation Area

The peaceful pace of life throughout this area will inspire you to sit down, breathe, and relax for a while, whether you are watching ships float by or exploring the different urban and forest paths.

St. Catharines, Ontario Roads, and Neighborhoods

The St. Catharines Transit Commission maintains bus lines across the city and neighboring Thorold, providing public transit. Coach Canada also serves the central station, offering Toronto and Niagara Falls routes.

All major lines converge at the St. Catharines Bus Terminal, near the Ontario Ministry of Transportation. Though rail travel is growing more popular, the St. Catharines railway station is mostly underused, with vehicle travel being residents’ primary transit modes.

The Welland Canal, a maritime canal stretching 43.4 kilometers through St. Catharines, is the city’s most distinguishing transportation landmark. The canal allows cargo vessels to cross the nearly 100-meter difference between Lake Erie and Lake Ontario. Four of the canal’s gates are within city limits.

Some St. Catharines neighborhoods include:

Downtown St. Catharines

The downtown area has a new arena, performing arts center, businesses, and eateries. You can get around downtown by driving between 12 Mile Creek and two main roads that provide rapid access to the rest of the region.

Downtown is a significant historic district and a vibrant cultural hotspot, with various taverns and restaurants on St. Paul and James Streets. In September, you can also find the Niagara Grape & Wine Festival and Grand Parade.

Various retail and commercial shops, government offices, banks, and legal firms are in the center. The Marilyn I. Walker School of Fine and Performing Arts, a Brock University campus, is also in the downtown area.

Port Dalhousie

Port Dalhousie is traditionally a family favorite and a terrific area to raise children. And it is easy to understand why Port Dalhousie provides something for every young family.

For starters, the highest-scoring public school in St. Catharines is in Port Dalhousie: Gracefield Public School ranked first in the city.

In addition to the schools, there are many activities. Lakeside Park is a Port Dalhousie and Niagara favorite, located just a few minutes away. A stunning beach, a century-old carousel, and a brand-new pavilion add to the neighborhood’s family appeal.


Merritton is a popular St. Catharines neighborhood featuring a family-friendly residential section, Secord Woods. The area is within walking distance to schools, close to the interstate, and has shopping and restaurants.

Merritton was an independent entity before amalgamation in 1960, which saw the founding city of St. Catharines acquire many satellite towns (along with Grantham and Port Dalhousie).

Residents still have a strong feeling of communal identification. The St. Catharines Seniors’ Centre presently occupies the ancient town hall on Merritt St., originally the City of St. Catharines Museum.

Get Affordable St. Catharines Auto Insurance

Law requires all drivers in Hamilton, Ontario, to carry a minimum level of Auto Insurance. Unfortunately, many consumers are unaware they are paying too much for insurance until they compare quotes from several providers.

The FSCO recommends Ontario drivers shop around for the best and cheapest insurance rates by comparing quotes to avoid overpaying.

Duliban Insurance brokers make it easy to obtain a Hamilton Auto Insurance quote in just a few minutes. Please get in touch with us about Hamilton Car Insurance to learn more.

All drivers in St. Catharines, Ontario, are required by law to have a minimum level of Auto Insurance coverage.

Unfortunately, many consumers are not aware they are overpaying for insurance until they compare rates from many companies.

The FSCO suggests that Ontario drivers shop around for the best and cheapest insurance rates by comparing quotations to prevent overpaying.

Duliban Insurance agents can provide you with a St. Catharines Auto Insurance quote in just a few minutes. To learn more about St. Catharines Car Insurance, please Contact Us.

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

Chase Creemer
Chase Creemer
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Graham Cobb
Very helpful and friendly service

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