Auto Insurance in Guelph


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Guelph Auto Insurance with Oracle RMS

If you reside in Guelph and own a registered vehicle, it is important to have auto insurance. Driving without car insurance is a very serious offence; you can be fined for a first conviction of a minimum of $5,000.00.


Located in west of Toronto, the city of Guelph is home to a population of 131,794 people. The population of Guelph is growing 1.61% per year for the past 15 years. Guelph has access to major highways (Highway 7, Highway 6, Highway 401), international airports and four of the United States border crossings.

The roads are also filled with many students who commute to the popular University of Guelph. With that being said, it is important for drivers to make sure they have the right car insurance in Guelph for their vehicles since the main routes for drivers are to take these main highways.


When you purchase Car Insurance in Guelph with Oracle RMS, you are insuring your vehicle, all listed drivers, and any loss or damages resulting from a car accident.

By partnering with Oracle RMS, we provide excellent customer service and work hard to get you some of the lowest auto insurance rates in Guelph that best suit your unique insurance needs. We are determined to give you an appropriate solution for the best car insurance rates and coverage for any type of driving record. We are proud to be partnered with a wide range of insurance companies who can provide a variety of auto insurance quotes for all Guelph residents.

At Oracle RMS, you will work along with one of our licensed brokers to help guide you through the quoting process. They will make sure you understand all the insurance jargon and information up to the last detail of your auto policy before you’ve made the final decision.


Guelph Auto Insurance Coverage

Auto insurance will protect and provide coverage for your vehicle(s), all listed drivers and any loss or damages. In Ontario, it is required to include and purchase the following automobile insurance coverage below:

Third Party Liability Coverage:

This section of a car insurance policy will provide coverage to protect the insured if a third-party has been injured or have succumbed to their injuries, or their property is damaged. It will compensate for claims in the event of a lawsuit against the insured up to the limit of their coverage. It will also compensate for the cost of settling a claim.

Uninsured Automobile Coverage:

This coverage will protect the insured and their family, should they be injured or killed by a hit-and-run driver or by an uninsured motorist. It will also provide coverage to the insured’s vehicle caused by an identified uninsured driver.

Direct Compensation – Property Damage (DC-PD) Coverage:

This section of a car insurance policy covers damage to the insured’s vehicle and its contents and for loss of use of their vehicle or its contents in the case of an accident, for which the insured was not responsible for. Since it was another individual who caused damage, the insured will collect direct compensation from their insurer.

Statutory Accident Benefits Coverage

This will provide the insured with benefits if they are injured in an auto accident, regardless of who caused the accident. This includes medical, rehabilitation and attendant care benefits and income replacement benefits.

Whether customers are shopping for car insurance, are informed about their upcoming auto policy renewal or are looking to save money on their current policy, overall, it is important to be informed about auto insurance and how a policy works.

The Right Coverage For You

At The Best Price

Driving Statistics in Guelph Ontario


Overall, there are a total of 66,365 drivers in Guelph. 34,160 of those Guelph drivers are male, while the remaining 32,180 of Guelph drivers are female. In addition, there are a total of 4,775 Guelph passengers who are carpooling every day with other drivers.

With that being said, other forms of transportation for Guelph residents are public transit with a total of 4,695 bus commuters, while 3,890 residents choose to walk to their workplace, leaving 1,080 residents to ride their bike. Meanwhile, another 595 Guelph residents find other methods of transportation.  


Majority of commuters in the City of Guelph leave their homes to get to work from 8:00 AM to 8:59 AM, therefore the roads are at their busiest within that time frame. The second busiest time for commuters to leave their homes to head to work is from 7:00 AM to 7:59 AM, which is 23.19%. However, 12,585 commuters would still prefer to leave later between 12:00am AM to 4:59 AM.

Driving Facts in Guelph Ontario


The drivers in Guelph are “lucky” as reports state due to the fact that they experience lower than average commuting times. Commuters spend less than 30 minutes commuting to their workplace every day.  

Visit the Mustang Drive-In Theatre, from spring to fall to experience one of Ontario’s only drive-in movie theatres. Watch a new movie from the comfort of your own car.

Loria, Castelfranco and La Castellana are all twin cities to Guelph, Ontario. You can find these sister cities across the world in Italy!

Getting insured is quick and easy!

Auto insurance is what you need, get a quote online. Takes less than two minutes!

Words From Our Customers

“I’ve used Oracle RMS for my auto insurance for years and years. Very knowledgeable and helpful. Chris Masucci gave me honest advice about my insurance options and helped me choose the best coverage for my needs. He is friendly and super responsive if I have any questions. Would recommend!”

Lauren Chee-Hing,
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“I purchased my first car a year and a half ago and called Oracle for car insurance quotes. They have excellent customer service – in particular, Chris was very helpful in getting me a great rate. He is extremely prompt at answering any questions I have about my policy and about anything insurance related! I highly recommend this brokerage.”

Andrea Lee,
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