Auto Insurance in Ontario

auto insurance in ontario

☏ 1.855.385.4226
get a quote
book a chat
Insurance that feels like home Insurance that feels like home

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.

Let's find you the best possible Waterloo insurance coverage

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.

Ontario $1,505
Etobicoke $1,684
Niagara Falls $1,327
Mississauga $1,996
Waterloo $1,331
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


Let's find you the best possible Waterloo insurance coverage

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

Kathryn Hutson
Kathryn Hutson
Hilary was great at switching over my policies and getting me the right quote! Will definitely continue to work with Duliban moving forward.
dan tocchet
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
I would definitely recommend looking here for first-rate customer service! It was my 1st time using an on-line insurance broker, and I would like to thank Warren Drake for making it virtually stress-free! (dare I say enjoyable?) Warren was very professional, courteous, personable & efficient. He made sure, at every juncture, to present me with the options available, ensured that I understood & recommended what he felt was best & why. Stress-free & very good rate! Well done!!
Eyad Daoud
Eyad Daoud
Thank you. Excellent experience
brandon rayray
brandon rayray
As I was looking a new quote for a car insurance at I've found Duliban Insurance Brokers thru CAA. And thanks a lot to Trevor his generosity and helpfulness. You guys are awesome and have a good service and dedication. I highly recommend Duliban Insurance Brokers and give 5 stars
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!!
Jeremy Dunn
Jeremy Dunn
Very satisfied with how Duliban handled insurance for my farm property. John Critchley is very knowledgeable, patient and responsive.

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.

Let's find you the best possible insurance coverage in Ontario

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 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
  • Oktoberfest
  • 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.

Lincoln Heights

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

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.

Let's find you the best possible Waterloo 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.

We Work For You

Our team of insurance professionals ensures that YOU receive the best coverage possible at the very best price.


We partner with over 25 different insurance companies that fight to earn your business.

Highly Rated

With multiple provincial and national recognition awards, it’s no wonder why our clients rave about us.

Simple Language

We make sure that you understand your policy without confusing you with complicated insurance jargon.