Perth Car Insurance
For over thirty years, Humberview Insurance Brokers has been diligently assisting the residents of Perth, Ontario, and surrounding areas with their Perth car insurance needs. If you're in pursuit of an affordable Perth car insurance quote, remember that our services extend beyond just competitive pricing. We're eager to introduce you to one of our licensed Insurance Brokers, seasoned professionals dedicated to guiding you to the most appropriate policy, offering sage advice, and standing beside you throughout the claims process.
Standard Car Insurance in Perth, Ontario
Liability
Liability portion of your car insurance policy provides protection against damage you cause to other people or their property
Direct Compensation Property Damage
Covers damage to your vehicle from your own insurance company to the extent you are not at fault. (For portion you are at-fault you would need collision or all perils coverage). As of January 1 2024, there is an option to opt out of this coverage.
Uninsured Automobile Coverage
Protects you if you are hit by an uninsured motorist or by a hit and run driver. This portion will cover damage to your automobile caused by an identified uninsured motorist.
Accident Benefits
Provides compensation if you or others are hurt or killed in a car accident.
Extra Coverages for your Perth Car Insurance to Take You Those Extra Km’s
Collision Coverage
Covers your damage to your car as a result of hitting an object or another car
Comprehensive Coverage
Covers some insured damages such as falling objects, theft and fire.
All Perils Coverage
Most extensive physical coverage for your car. Covers collision + comprehensive and better theft coverage.
Accident Forgiveness Coverage
Most extensive physical coverage for your car. Covers collision + comprehensive and better theft coverage.
Depreciation Waiver Coverage
Gives you the purchase price of the vehicle in the event of a total loss.
Rental Vehicle Coverage
Provides you with a rental vehicle to a specified limit after an insured loss.
How Perth Car Insurance Rates Determined
Perth car insurance rates are determined by several key factors, including the car you drive, your driving habits, and where you live. Vehicles with larger engines, higher values, or lower safety ratings often result in higher premiums. If you drive long distances or commute daily, your rates may be higher compared to someone who only drives occasionally. Your driver profile—including age, driving history, past tickets, and accidents—also plays a crucial role in pricing. The coverage options you choose, from comprehensive to collision insurance, can impact costs, while qualifying for discounts like multi-vehicle policies or safe driving can help lower your premium. Our brokers can assist you in selecting the right coverage for your needs.
Ways you Can Save to Get Cheap Perth Car Insurance
Bundle
Add your house policy to get a multi-line discount..
Insure two or more vehicles
Insuring your vehicles with the same company can result in you receiving a multi-vehicle discount for all vehicles on the policy.
Shop Around
In Ontario, there are many options for car insurance whether through agents, brokers or direct companies. There are many offerings.
Increase deductibles
Determine how much you are comfortable covering yourself if minor damage occurs and adjust your deductible accordingly.
Pay Yearly
Some insurers charge a maximum rate of 1.3% for paying for your car insurance on a monthly basis. If your company is charging you for paying monthly – ask about paying annually or in larger installments to avoid fees.
Install winter tires
Installing winter tires on your vehicles just makes sense for winter driving, but it can also save you money on what you pay for your car insurance.
Take a Drivers Training course
If you are a young or inexperienced driver the price you pay for car insurance might be improved by taking an approved driver training course.
Consider Renewing
Insurers typically give renewal discounts after a year or three and it might be wise to consider what the renewal price will be when you are shopping around.
Tips for Driving in Perth
Beware of Pedestrians
As a town with vibrant downtown areas, be vigilant for pedestrians, especially during busy periods.
Adhere to Speed Limits
Respect speed limits, particularly in residential zones and around parks. Neighborhoods in Perth and Their Postal Code Prefixes
Monitor Weather Changes
Perth's location can sometimes lead to sudden weather shifts. Stay informed and adjust your driving to the current conditions.

Why Humberview?
-
You Get One Dedicated Broker
We are not a call center, you will have the same broker for your policy.
-
In Business Since 1982
We are an independent broker located in Toronto since 1982
-
Quotes from Top Insurers
We represent some of Canada's best insurance companies.
-
No phone prompts when you call us
Speak to a human, right away.
Did You Know About Perth?
From the moment you approach us for a car insurance quote, our unwavering commitment to your needs shines through. Perth, often referred to as the "Biggest Little Town," rests along the banks of the Tay River. This town, with its rich heritage and recreational activities, accentuates the necessity of reliable Perth car insurance. Drivers should feel secure as they traverse Perth's historic streets and scenic routes.
Perth Car Insurance FAQ
-
How much car insurance do I need in Perth?
The minimum amount includes liability insurance which comes with three other mandatory coverages. We suggest people carry at least $2 million in auto liability coverage. -
How much is car insurance per month in Perth?
Paying approximately $200 per month is in and around the standard. But this can increase quickly if you are a new driver, have tickets, accidents or live in an area where there are a lot of claims. -
How much is insurance for a G2 Driver in Perth?
For a new G2 driver paying $350 per month is not unheard of. There could be ways to reduce this rate if you recently moved to Ontario and can prove experience from a different province or country. -
Which car has the cheapest insurance in Perth?
There is no clear answer, as Ontario car insurance is based on many factors. Vehicles with higher safety ratings and are less expensive typically will result in lower premiums for the rating that is derived by the vehicle. -
How much is car insurance in Perth for a new driver?
This rate can vary depending if you are a new driver who completed driver training, or whether or not you are bringing experience from another country or province. -
Do all drivers in a household have to be insured in Perth?
Yes, by law all drivers that are in the household need to be listed on the policy or have their own policy.
Perth Car Insurance Quotes For Different Types of Car Insurance
Clean Record Car Insurance in Perth
- For Perth drivers with pristine driving records, the world of insurance offers promising opportunities.
- At Humberview Insurance Brokers, our foundational goal remains unchanged: to provide affordable Perth car insurance solutions.
- We're dedicated to connecting you with one of our expert, licensed Insurance Brokers.
- Their mission? To help you discover the right policy and to be an unyielding support, especially during the claims process.
Perth Commercial Auto Insurance
- For decades, Humberview Insurance Brokers has emerged as the preferred choice for Commercial Auto Insurance in Perth.
- Whether you're an entrepreneur, run a riverside café, or use your vehicle for business transport, we've got you covered.
- Our specialists curate bespoke insurance policies that cater to your unique needs, ensuring your business operations are comprehensively protected.
- Choose us for your Commercial Auto Insurance needs in Perth.
Perth High Risk Car Insurance
- In some situations, Perth drivers may find the need for high-risk car insurance.
- This specific insurance is for individuals who insurance providers consider to be of higher risk, perhaps due to infractions like impaired driving.
- Such behaviors not only jeopardize safety but can also lead to significant legal implications.
- Other reasons one might require high-risk car insurance in Perth include multiple traffic violations, involvement in at-fault accidents, or periods without insurance.
- Adopting this policy type enables individuals to work towards improving their driving behavior while remaining safeguarded on the roads.