Perth Car Insurance

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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 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

Extra coverage that protects your driving record and your insurance rate from going up from your first at-fault accident. Typically, you need to have been insured accident free for a set number of years to qualify.

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


The Car you Drive

Factors such as engine size, the cost of the vehicle and safety ratings can all make an impact to how much you will pay for car insurance.


How you Drive

Generally, if you are driving many kilometers or driving to work you will generally pay more than someone that just used their vehicle for occasional driving and errands.


The Area in Which You Live

The area in which you live and where you most often drive affect the price you pay for car insurance. Generally, big cities have more traffic this makes the risk of accidents being higher.


Driver Profile

Things like your age, your driving history, how many tickets, accidents, when you got licensed as well as other factors can all play a part in making your rate..


All the Coverages You Choose

Some coverages you choose can add up and it is up to you to determine which are best fit for you. Our brokers can help you decide.


Discounts You Qualify for

A variety of eligible discounts can be added if you qualify that may impact your final car insurance rate.

Ways you Can Save to Get Cheap Perth Car Insurance


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

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.

Ready for A Quote on Perth Car Insurance Insurance ?

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