St. Thomas Car Insurance

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St. Thomas Car Insurance

For over thirty years, Humberview Insurance Brokers has been a trusted partner for residents of St. Thomas, Ontario, and nearby regions in securing their St. Thomas car insurance needs. If you're in pursuit of a competitive St. Thomas car insurance quote, our dedication goes beyond just finding you an affordable rate. We are eager to connect you with one of our licensed Insurance Brokers. These professionals are well-versed in the nuances of car insurance and are committed to guiding you, providing expert advice, and standing by your side during claims.

Standard Car Insurance in St. Thomas, 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 St. Thomas 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 St. Thomas 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 St. Thomas 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 St. Thomas

Railway Crossings

Given the city's railway heritage, always be cautious and observant when approaching railway crossings.

Put On Snow Tires

Whether in residential neighborhoods or main roads, always adhere to the posted speed limits.

Stay Weather Alert

St. Thomas has its share of diverse weather conditions. Stay updated with forecasts, especially in winter, and adapt your driving habits.

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 St. Thomas?

From the moment you reach out for a quote, our commitment shines through. St. Thomas, historically recognized for its railway heritage and nicknamed the "Railway City," emphasizes the need for reliable St. Thomas car insurance. Whether you're making a short trip downtown or venturing out of the city, you deserve peace of mind on the road.

Neighborhoods in St. Thomas and Their Postal Code Prefixes

Downtown (N5P)

The historic heart of the city, housing many businesses, eateries, and attractions.

South St. Thomas (N5R)

A blend of residential neighborhoods and parks, making it a tranquil area.

North St. Thomas (N5P)

An area experiencing growth with newer developments and schools.

East St. Thomas (N5R)

Mix of residential spaces and commercial establishments, including shopping centers.

Busiest Streets in St. Thomas

Talbot Street

Wellington Street

First Avenue

Fairview Avenue

St. Thomas Car Insurance FAQ

St. Thomas Car Insurance Quotes For Different Types of Car Insurance

Clean Record Car Insurance in St. Thomas

For drivers in St. Thomas with unblemished driving records, Humberview Insurance Brokers is your ally. Our core objective is to provide budget-friendly St. Thomas car insurance solutions. We are keen on connecting you with our experienced, licensed Insurance Brokers who can guide you effortlessly through the process, offering support especially when it comes to claims.

St. Thomas Commercial Auto Insurance

Humberview Insurance Brokers has been the go-to option for Commercial Auto Insurance in St. Thomas for decades. Whether you're a business owner, operate a popular restaurant, or require your vehicle for business transport, we cater to your unique needs. Our experts design specialized insurance policies, ensuring your commercial activities are protected. Trust us to deliver the best Commercial Auto Insurance solutions in St. Thomas.

High Risk Car Insurance in St. Thomas

Certain drivers in St. Thomas might find themselves needing high-risk car insurance due to past infractions or circumstances. This type of insurance is for those seen as a greater liability due to factors like impaired driving records. Such behaviors, while endangering the road, can lead to serious legal issues. Other reasons to consider high-risk car insurance in St. Thomas can be frequent traffic tickets, at-fault accidents, or gaps in insurance. This specialized insurance allows drivers the opportunity to rebuild their records while being adequately protected.

Car Insurance News and Blog for St. Thomas, Ontario

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