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 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.

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What Does My Auto Insurance Policy in Waterloo 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 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

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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.

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Jennifer Lemieux
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