auto insurance in ontario
WHAT YOU NEED TO KNOW ABOUT CAR INSURANCE IN WATERLOOWe have compiled some of the most relevant information about Waterloo car insurance numbers from top sources to help further assist you in understanding how your auto insurance premiums are determined.
People Live in Waterloo
One of the most popular areas of Waterloo
Median age of drivers in Waterloo
Less than 10 km
Average daily commute in Waterloo
Average annual premium in Waterloo
Average monthly premium in Waterloo
Living and Driving in Waterloo, Ontario
Waterloo, Ontario is the smallest of three cities that make up the Tri-City area, along with Kitchener and Cambridge. Waterloo meshes so closely with Kitchener, the two cities are often hyphenated as Waterloo-Kitchener.
Waterloo is a highly coveted place to live in all of Canada. Residents and tourists alike enjoy the mix of city life and quiet town living. The downtown area boasts a diverse array of restaurants, shops, festivals, and events all year long.
Wherever you go, it is a nice drive around the city. Like most other places, Ontario car insurance is mandatory when driving on roadways.
What Does My Auto Insurance Policy in Waterloo 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 Waterloo compare to other cities in Ontario.
GET THE BEST COVERAGE & PRICE ON YOUR WATERLOO AUTO INSURANCE.
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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.
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 Waterloo, Ontario?
There are no shortage of fun things to do in Waterloo, both indoors and outdoors. Here is a list of some of the most popular activities to check out in Waterloo:
- RIM Park
- Grey Silo Golf Course
- Canadian Clay and Glass Gallery
- University of Waterloo and Wilfrid Laurier University
- Waterloo Town Square Walking Tour
- Conestoga Mall
- Waterloo Central Railway Steam Train ride
- Jacob’s Farmer’s Market
- Laurel Creek Conservation Area
- Stratford Festival in nearby Stratford
- Bingeman’s Big Splash waterpark
- Grand River Raceway
- Ctrl V virtual reality arcade
- Max’s Sports World
Besides all the fun activities, it is enjoyable to just drive around Waterloo’s lovely neighborhoods.
Waterloo Roads and Neighborhoods
Whether you are traveling from Toronto, London, Cambridge, or almost anywhere else, you can get to Waterloo by taking ON-401. Three airports also give you easy access to the city. If you do not want to drive, the VIA Rail runs to Kitchener, Toronto, Guelph, London, and Sarnia, but you can just as easily drive to these locations. Alternatively, you can take the GoTransit bus to the most popular attractions.
A drive out to Eastbridge, Laurelwood, Lincoln Heights, or Uptown Waterloo will give you a feel for the enjoyable lives the locals have.
The Eastbridge neighborhood lies in the northeast corner of Waterloo along the Grand River. Residents like the small-town feel while simultaneously being close to amenities such as daycare centers, social services, and restaurants.
Eastbridge is home to Grey Silo Golf Course, an 18-hole golf course. RIM Park, with multiple skating rinks, soccer fields, and basketball courts, also provides a wealth of outdoor fun.
The homes in Eastbridge are fairly new and have many modern amenities. If you want to learn to speak French, you will find French immersion programs at some of the schools.
Many well-educated, high-tech individuals choose to live in Laurelwood, where their children can attend the #2 elementary school in Kitchener-Waterloo. It is one of the top 25 schools in Ontario.
Most of the homes in Laurelwood are townhomes or single-family homes with active homeowner associations. Families enjoy a nice balance between a quiet life and busy activities in Laurelwood.
The Laurel Creek Conservation Area has hiking trails, a beach, lake, wildlife, and camping ground. There are many well-kept parks in the neighborhood with lots of soccer fields, playgrounds, and outdoor skating rinks.
The Lincoln Heights area is a well-established neighborhood, and the roots of this section go back over 500 years. This is the place to live if you are looking for a home with charm and character. The yards are spacious, and they are perfect for the multiple generations in the area to gather.
Residents relax at the Moses Springer Arena, where they can swim in the public pool, skate indoors, play soccer, or walk along one of the many trails.
Uptown Waterloo is really downtown Waterloo. Here you can find just about any kind of housing you wish. It is easy to get around on foot or bicycle, and it is easily drivable by car. If you need to go a bit further, you can access multiple modes of transportation.
You will find the main library here, along with diverse, tasty cuisine and interesting boutiques.
Uptown Waterloo has the best mix of old-world charm and modern amenities for those who live, work, or visit here.
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.
The Duliban Hometown Advantage
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