Stratford Car Insurance Quotes

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To be, or not to be… with reliable car insurance in Stratford. Known for its theatre community and the Stratford Festival, the town is bustling with tourists over the summer months. For locals, this means many drivers are unfamiliar with the area.

During the winter, there are challenging road conditions, making comparing car insurance quotes in Stratford essential. It's important to the best auto insurance coverage to meet your driving needs. We’ll help you compare quotes from the top insurers in Canada to get you the protection you need for the lowest rate. Get started online, or call us to explore your savings options.

Key takeaways about Stratford car insurance

Stratford car insurance rates are cheaper than the provincial average.
The average cost of auto insurance in Stratford is $1,700 per year, which is less than most cities in the area.
Insurance is mandatory. You require $200,000 in third-party liability.

How to compare car insurance quotes in Stratford

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1) Start your quote

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2) Tell us about your driving and vehicle

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3) Compare your quotes

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Choose your policy

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How does auto insurance work in Stratford?

Car insurance is mandatory in Stratford. All drivers must follow Ontario car insurance coverage rules and regulations. This means you require a minimum of $200,000 in third-party liability. However, most people carry higher limits ($1 or $2 million). Drivers also typically have additional coverage.

Insurance is legally required for all drivers
The Financial Services Regulatory Authority of Ontario (FSRAO) regulates insurance
You require a minimum of $200,000 in third-party liability coverage. Most drivers carry more coverage.
Policies are purchased from a private insurance company through an insurance broker.
No-fault insurance applies - you deal with your insurer for all claims
Premiums are assessed and set based on your risk profile

Policies are purchased through a private insurance company via an insurance broker. They are in effect for one year, and you can shop and compare your options before renewing. No-fault insurance applies. So, you’ll deal with your insurer for all claims.

Fines start at $5,000 if you drive without insurance. They can reach as high as $50,000.

What car insurance is required in Stratford?

All Stratford driver's policies must include a minimum amount of auto insurance. Here is the basic coverage:

$200,000 in third-party liability coverage.
Accident benefits
Uninsured motorist
Direct compensation property damage (DCPD)

Note: As of January 1, 2024, DCPD is no longer mandatory. You can opt out of this coverage using OPCF 49.

What optional car insurance coverage is available in Stratford?

You have options if you want to expand your coverage. You can add different types of protection or increase mandatory coverage limits. Here are the main types of optional protection:

Recent Stratford car insurance quotes

2024/10/15

Shopper in STRATFORD, ON
Vehicle: HONDA CR-V EX 4DR AWD 2019
Travelers	$2,337
Intact	$2,613
Aviva Journey	$2,637
CAA Connect	$2,835
Savings from the top 4 lowest quotes	$498

2024/08/05

Shopper in STRATFORD, ON
Vehicle: TOYOTA FJ CRUISER 4DR 4WD 2007
GORE	$901
CAA My Pace	$919
CAA Connect	$924
CAA	$971
Savings from the top 4 lowest quotes	$70

5 star reviews for car insurance in Stratford

Rated 4.7 out of 5 stars in 1448 Google reviews

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steve jonkhans

2024-09-26

i used thinkinsure to navigate a complicated car insurance situation after my prior broker could not find me the insurance i required. Denise Snyder Phillips was my agent and she was extremely helpful, efficient and responsive. Highly recommend thinkinsure for your insurance needs and ask for Denise!

Carrie Crump

2024-09-24

Young man is super amazing and caring . Top top notch service !!! Very kind gentleman

DJ G

2024-09-24

I was shopping around for some new auto insurance rates as my current policy was ending soon and was looking for cheaper premiums. I called ThinkInsure, and Todd helped me with the process start to finish. Communication with him after my initial phone call was flawless through email, often replying right away during business hours. He was easy to ask questions and provided multiple quotes to me when I needed to make some changes. I ended up getting better coverage for a much lower premium compared to my current provider with ThinkInsure. Thanks Todd for the seamless experience and helping me get setup!

Philip Witteveen

2024-09-23

Denise is fantastic! She is so kind and patient and works hard to listen and provide you with the best insurance available to you. Denise also continues to look for the cheapest options for you that provides you with the top notch coverage. I would highly suggest connecting with Denise if you're looking for great insurance, good prices, and to work with someone that actually cares. 5 star plus!

Cassandra Brookes

2024-09-20

I had been in the market for new insurance for a while, not getting many great quotes and then I come to find Todd Allen through ThinkInsure and have only great things to say about my experience. Knowledgeable, honest, responsive and made insuring my vehicle a breeze. Within 4 emails back and forth, signing e documents and a final email to confirm I was set up and ready to go. Could not recommend his services enough! Thanks Todd !!

Ginny Sweet

2024-09-19

I was in a difficult situation trying to renew my insurance after my last company stopped providing insurance. Bailey made the whole process quick and easy. I had paperwork signed and documents to me within a few hours of our initial conversation. I am forever grateful

Durai samy Easwarakumar

2024-09-18

Todd Allen such a nice auto insurance advisor Doing a excellent service 👍buy the costumer’s satisfaction to get an cheaper code in the current market 😀

Jenniffer

2024-09-17

great service, sohel rahman was incredible helping us get the insurance we needed, thank you!

How much does car insurance cost in Stratford?

Drivers in Stratford typically pay less than others in the province. The average cost of car insurance in Stratford is $1,700 per year. This is $141 per month, or about $35 per week. Your rates may differ depending on your driving and coverage needs. Speak with our brokers to compare quotes and explore your options.

How do Stratford car insurance premiums compare to other cities?

Premiums in Stratford are cheaper than most cities in the surrounding area. They are significantly more affordable than London and Kitchener premiums. Here’s an overview of how rates compare:

City	Avg premium
London	$2,238
Ingersoll	$2,280
Kitchener	$2,071
St. Marys	$2,056
Woodstock	$1,819
Stratford	$1,700

Stratford car insurance rates from 2019-2023

Even though rates are less than the provincial average and more affordable than most cities in the area, they are still rising. Costs have been increasing steadily since the pandemic. Here’s an example of how rates change annually:

Year	Average annual premium
2023	$1,700
2022	$1,432
2021	$1,243
2020	$1,861
2019	$1,470
Average rate (2019-23)	$1,501

Stratford car insurance FAQs

How do I get cheap car insurance in Stratford?

Even though premiums are more affordable than most locations in the province, there are still ways for you to get cheaper car insurance in Stratford. Here’s what we recommend:

Keep a clean driving record: Remain accident and claims-free.
Compare quotes regularly: Shop around annually to capitalize on savings.
Drive less: Sign up for usage based insurance.
Secure your vehicle: Add extra security features to your vehicle.
Combine policies: Bundle home and auto insurance and save up to 25%.

What are the main factors that affect Stratford auto insurance premiums?

Many factors can influence insurance costs. Some are based on the individual, and others are based on the treats in your city. Here’s a list of the top factors insurers consider when setting your premiums:

Age, gender, marital status
Driving experience
Licence type
Location
Vehicle type
Vehicle use
Driving record
Claims history
Policy type and limits

What are the best Stratford auto insurance companies?

We all want the best; our brokers want this for you, too. There are many top insurance companies to consider - Aviva, Intact, CAA, Wawanesa, and more. The thing with insurance is that the best insurer for you will depend on your situation and driving requirements. Comparing your options is the most effective way to do this. We have you covered! Our brokers can help you compare insurance quotes from all the best companies and ensure you get the coverage you need.

Start saving on Stratford car insurance today

Our team of brokers is dedicated to helping you find the best car insurance coverage and prices in Stratford. We’ll help you compare quotes, select coverage, and renew your policy. Shop and compare with the top insurance companies and save more today.

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Sources

* Based on the difference between the average lowest premium and the overall average premium in Stratford for estimates completed from January 1, 2023, to January 31, 2024, for drivers with a clean driving record.

** Estimated prices are based on data entered by drivers with a clean driving record living in Stratford on ThinkInsure.ca from January 1, 2023, to January 31, 2024

Insurance Blog And News

Read our insurance blog to get helpful tips, information and news.

2024-10-16

Compare Stratford Car Insurance Quotes

We help drivers save $402* on their car insurance in Stratford.

Compare Stratford car insurance quotes from the leading providers

Get the best Stratford auto insurance

Key takeaways about Stratford car insurance