Auto Insurance in Niagara Falls

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Niagara Falls Auto Insurance with Oracle RMS

If you reside in Niagara Falls 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.

Niagara Falls is one of Canada’s most popular tourist attractions. For Ontario residents, the City of Niagara Falls is easily accessible by car. Since the Niagara Falls region continues to grow with tourists daily, there are more vehicles that are driving around the city. In addition to tourists, the resident count for Niagara Falls stands at 88,071 which is classified as a large city.

In Niagara Falls, when you purchase Auto Insurance 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 Niagara Falls that best suit your unique needs. We are proud to be partnered with a wide range of insurance companies who can provide a variety of auto insurance quotes for all Niagara Falls 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.

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 Niagara Falls

Overall, there are a total of 32,185 drivers in Niagara Falls, which equals 81.71%. 16,500 of those Niagara Falls drivers are male, while the remaining 15,675 of Niagara Falls drivers are female. In addition, there are a total of 3,265 Niagara Falls passengers who are carpooling every day with other drivers.

With that being said, other forms of transportation for Niagara Falls residents are public transit with a total of 1,070 bus commuters, while 2,045 residents choose to walk to their destination, leaving 385 residents to ride a bike. Meanwhile, 440 Niagara Falls residents find other methods of transportation.

Majority of commuters in the City of Niagara Falls leave their homes to get to work from 12:00 AM to 4:59 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 8:00 AM to 8:59 AM, which is 21.49%. However, 7,930 commuters still prefer to leave at 7:00 AM to 7:59 AM.

Driving Facts in Niagara Falls


Niagara Falls is linked to two major highways in Canada which are the QEW and Highway 420.

Niagara Falls used to have the King’s Highways passing through the city: Highway 3, Highway 8 and Highway 20.

The City of Niagara Falls has five bus brands going through the city: Coach Canada, GO Transit, Greyhound Canada, Megabus and Niagara Transit.

Getting insured is quick and easy!

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

Words From Our Customers

“I’ve used Oracle RMS for my 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 an insurance quote. 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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