Auto Insurance in Guelph, Ontario

We don’t believe in “one size fits all” car insurance — we offer a range of personal auto insurance options to best suit your specific needs.

Everyone will use their personal vehicle differently. Some people will use a vehicle for commuting or other business needs, while others will only use it for daily errands and trips. We can help you find the auto insurance coverage that fits your usage.

See below for types of driving covered, as well as discounts and additional ratings available.

Get Started With A Quote In 30 Seconds

Get Started

Why Choose Ostic Group For Your Car Insurance Coverage

1. Your Partners in the Community

At the Ostic Group, our team is proud to call our communities home. Our customers are our family, friends, and neighbours. To show our support we sponsor and actively participate in various events held in Guelph, Elora, Fergus, Shelburne, and the surrounding communities.

2. Access to All the Best Providers

Our team partners with the best auto insurance providers in the province of Ontario to offer you the coverage you need, at competitive prices. There are no limits to your choice of provider. At the Ostic Group, we shop around to find you the right fit.

3. Personalized Car Insurance Coverage

With the Ostic Group, you get exactly what you need out of your car insurance coverage. All of our auto insurance policies are tailor-made to your unique circumstances. This helps us to find you the lowest rates on the market and a comprehensive plan to fit your lifestyle.

What Our Customers Have to Say

My family and I have used the Ostic Group for years now and its been a great experience!Never difficult to speak with someone when I have a question and they are always looking for ways to save us money.Love seeing them give back to the community too!
Matt McQuade
Matt McQuade
18:03 26 Aug 20
When it comes to insurance, it doesn't get any better than these folks. Super responsive, very friendly, always trying to help, and unbelievable rates. They insure everything for my family and my business and they are awesome. Local, real people, no call centre's, just good old fashioned customer service with a smile! Keep it up. Ostic Group, seriously, you never cease to amaze. Oh ya and Dana is amazing!!!!
Rob Murray
Rob Murray
21:45 11 Jan 20
I have dealt with OSTIC for years. They never miss a beat. Good old, fast, friendly, professional service. 🙂
Stefan Wiesen
Stefan Wiesen
16:54 05 Nov 20
I have used The ostic group over 10 years. I find they are very knowledgeable and there to help. I will stay with them for years to come.
Linda Goodyear
Linda Goodyear
12:42 17 Jan 21
I recently purchased my first car and needed insurance. My friend referred me to The Ostic Group and I am so happy they did. Jessica Dewey was so helpful and went out of her way to get insurance for me, even offering to stay late on a Friday to get the paperwork filled out! Being a first time car owner, I didn't know where to start or what was the best plan for me. Jessica was very informative and made me feel very comfortable throughout the application process. Highly recommend!
Melanie Bartlett
Melanie Bartlett
14:34 26 Oct 16
I've recently received home & life insurance from The Ostic Group and have been very pleased. I'll be completely open on this review in saying that they are a client of where I work, but this did not sway my decision.Jessica Flanjak and The Ostic Group team were helpful while presenting my options. Jessica made it a simple and delightful process. I feel very good about my decision and will be switching my auto insurance over to The Ostic Group as well.
James Burgie
James Burgie
14:05 17 May 17
This whole team is incredible to work with. They not only have a massive focus on giving back to the community, but they are all passionate about insurance and making sure their clients have the right coverage. The Ostic Group insures my business, my house, and my car and in every interaction they always go above and beyond. Keep up the amazing work, we are lucky to have a business like yours in our community!
Paul Demarco
Paul Demarco
01:51 28 Oct 16

What’s Included in Our Auto Insurance Policies

At the Ostic Group, it’s our goal to provide auto insurance packages that are customized to your lifestyle. We couple this with best-in-class rates and a team that truly cares about the people and community they work with.

When you are in need, there is nothing better than knowing someone is on your side. That’s why we offer a 24/7 claim service. Whether it is for roadside assistance or to report the unfortunate event of an accident — the Ostic Group is there. We will quickly and efficiently guide you through the claims process, to ensure your claim reaches the best outcome possible.

We give you the coverage and confidence you need to hit the roads. In Ontario, all drivers are required to carry third-party liability insurance, accident benefits coverage, direct compensation property damage (DCPD), and uninsured motorist insurance.

We build our auto insurance packages around these essential coverages and add additional coverage options, based on your expected use. Other types of coverage include collision, comprehensive, loss of use, and waiver of depreciation.

For discounts on car insurance in Guelph, combine all the auto insurance needs for your household with one insurance broker from Ostic Group.

Apply for an Auto Insurance Quote

What We Need to Provide a Car Insurance Quote

In order to provide an accurate quote for the cost of your auto insurance, you will need to provide us with the following information:

  • The full address of your residence, including postal code.
  • The year, make, model and serial number of your vehicle(s).
  • The current use of each vehicle, including distance driven to work (if any), annual kilometres driven, and any business use of the vehicle.
  • A list of all drivers in the household, including their driver’s license number.

We look forward to helping you secure the auto insurance policy that will fit your lifestyle and keep your family safe.Through every season of life, The Ostic Group is here to protect the Guelph, Shelburne, Elora, and Fergus communities with comprehensive auto insurance policies.

More Than Just Car Insurance

At the Ostic Group, we believe that personal auto insurance should cover more than just your standard car. With so many seasonal and pleasure vehicles available today, it only makes sense that you have the best insurance options available to cover them.

Here are some of the options available for car insurance in Ontario:

Antique And Classic Car Insurance

Antique and classic vehicles require special care and attention — and that’s why we partner with Hagerty to offer personal auto insurance that is specific to antique and classic automobiles.

Get coverage for a wide range of vehicles, including nickel-era cars, antique tractors, modern classics, exotic vehicles, military vehicles, and more.

Learn More

ATV Insurance

All-terrain vehicles, quads, or four-wheelers are popular vehicles for both leisure and work purposes.

When looking for ATV insurance, it’s important to find the insurance rating that is best suited to the type of ATV. Choose from recreational, utility, heavy duty, sport, and more types of ATV insurance in Ontario today.

Learn More

RV Insurance

Recreational vehicles (RVs) like motorhomes and trailers are popular choices for people looking to travel in the comfort of their own vehicles.

Choose from a selection of insurance ratings, including fifth-wheel trailers, travel trailers, tent trailers, and more. Get RV insurance in Ontario and start your roadtrip today.

Learn More

Commercial Auto Insurance

If you own a business, a personal auto insurance policy may not suffice. Get appropriate coverage to protect you, your business and your employees.

From retail and wholesale delivery to long-haul trucking and fleet ratings, we can help you to develop the best commercial auto insurance program for your business needs.

Learn More

Frequently Asked Questions About Personal Auto Insurance

Why is personal auto insurance important in Canada?

Personal auto insurance is important because it protects you if you accidentally cause damage to other vehicles or property, or if you injure other drivers, passengers, or pedestrians.

Personal auto insurance is also required by law across Canada. As a driver in Ontario, you are legally responsible for being insured against your liability. You should always carry a copy of your auto or car insurance policy in your vehicle.

What type of personal auto insurance do I need in Ontario?

Every driver in Ontario is legally required to carry a minimum amount of personal auto insurance to cover his or her liability. Read this article for more information on the legal requirements for drivers in Ontario.

Even if you carry the minimum amount, you may need more coverage to appropriately protect yourself and your vehicle. There are many types of coverage available for personal car insurance, including liability coverage, collision coverage, comprehensive coverage, accident benefits, transportation replacement, and more. To find out what coverage or optional rating is right for you, contact our team of auto insurance experts today.

In addition, if you have a specific type of vehicle like an antique or classic car, you may want to purchase specialized car insurance to cover the specific needs of your vehicle. The same is true of motorcycles and other recreational vehicles.

Here are a few of the specific insurance products that we offer for different types of vehicles:

How much coverage for personal auto insurance do I need in Ontario?

In Ontario, the mandatory auto coverage is $200,000 for third-party liability and weekly income replacement benefits of 70% of your gross income (up to $400/week). For more information on mandatory and optional coverage for auto policies, you can read on our blog on auto legislation changes in Ontario.

Although carrying the mandatory coverage is important for drivers in Ontario, this basic coverage may not be sufficient to properly protect you and your vehicle. For example, we will often recommend that you increase your liability coverage of $200,000 to $1 million or $2 million to cover the possibility of catastrophic injuries.

The best way to find out how much personal auto insurance you need is to contact our insurance team for a consultation. Our specialists will take the time to gain a complete picture of your lifestyle and your auto insurance needs, so we can match you with the right plan.

Personal Auto Insurance Blogs