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Compare London car insurance rates and save more than 30%.*

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Get quotes from 50+ Canadian providers in 3 minutes.

26,944 Canadians

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What our users say:

March 15
Absolutely amazing!
Absolutely amazing! Got a great deal and the best agent possible! Thank you very...
Adam Michael Peters
March 15
I found the representative a good…communicator
I found the representative a good communicator and he help me to feel comfortabl...
James Mirowski
March 15
Very friendly voice o the other end
Very friendly voice o the other end, and very happy with my quote
Joe Moreira
March 15
It was a professional and fast answer…
It was a professional and fast answer to my request, it couldn’t be more perfe...
Mahrez Djellouli
March 15
very satisfied
agent was very very helpful explain a lot of things we dint know very happy wit...
Joao Medeiros
March 13
Great service
Very helpful
Jessica
March 8
Easy to use and logical site
Easy to use and logical site
keith houghton
March 8
Fast and knowledgeable response to…
Fast and knowledgeable response to enqueries
Andrew Leung
March 7
The best thing that they follow up.and…
The best thing that they follow up.and they are honest. Adel
Adel Almousa
March 6
Very helpful team !
Very helpful team !
Shivali Patel
March 5
Shilakha Dhawan was a pleasure
Huge thanks and appreciation Shilakha Dhawan for making this so quick and easy!!...
Chris
March 2
Good rates quick and easy
Good rates quick and easy
Gina Cauz
March 1
Great phone service
Great phone service
Joseph William Toland
February 27
Gave honest advice
Gave honest advice, no push for higher price.
Frank Gerzsenyi
February 24
Great customer service
Great customer service. Informative. Educated and fast service.
Adounis Hamade
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
January 31
Representative was extremely helpful…
Representative was extremely helpful and was able to assist in all our needs.
Laura Dunsford
January 19
I was treated very well
I was treated very well, the person that was helping me was very helpful and fou...
Tim Bob
January 18
Great service
The response to my inquiry was quick. I received a phone call a few hours later ...
Sherri Leclerc
December 4
Quick turnaround
Quick turnaround, I am really happy with the process so far.
Breno Mendonca
November 11
process was easy and professional
The process was easy and professional
James Robichaud
November 1
The young man was very courteous and…
The young man was very courteous and professional. We didn't qualify due to low...
Teresa Penning
October 26
Quick and friendly response.
Quick and friendly response.
Dan Rochon Rochon
October 13
prompt respond
prompt respond, knowledgable
Brano Lapin
September 27
The agent was Patient and knowledgeable…
The agent was Patient and knowledgeable answered all my questions
Richard Young
August 31
The agent (Jan) was most professional
The agent (Jan) was most professional, courteous, and friendly.
Kewal Khanna
July 27
They gave me a lot of important…
They gave me a lot of important information
Liliana FERNANDEZ
July 13
THE PERSON ANSWERED ALL MYY QUESTIONS
THE PERSON ANSWERED ALL MYY QUESTIONS
Antonio
June 23
One Stop Shop - best rates with multiple companies
Found great rates with multiple companies which made it very easy to quickly ass...
Maryann O

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When you find the best quote, secure your London auto insurance rate by talking to a licensed broker or agent.

We can help you find cheap car insurance in London.

Before heading out on city roads, London, Ont. drivers should seek out the best insurance policy at the lowest price. LowestRates.ca can help.

We find drivers the best rates on car insurance in London by shopping the auto insurance market for them.

Enter your postal code along with a few details about your car and driving history and we’ll show you quotes from multiple car insurance companies serving London.

Next, we’ll connect you with a London car insurance broker or agent who can secure your new lower rate.

Finding cheap auto insurance in London has never been easier.

Not ready to compare quotes yet? Keep reading to learn more about what factors influence London car insurance rates and what you can do as a consumer to find the coverage you need at the best price.

Front view of a car. Illustration.

See how our customers in London save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from March 17, 2024
Customer
Male, 34 years old
Location
london
Vehicle
2024 HYUNDAI ELANTRA ESSENTIAL 4DR
Lowest Rate
$286/mth
$3,436/yr
Average Rate
$366/mth
$4,394/yr
Saved
$80/mth
21.80%
Quote from March 17, 2024
Customer
Male, 40 years old
Location
london
Vehicle
2023 KIA STINGER GT ELITE V6 4DR AWD
Lowest Rate
$130/mth
$1,556/yr
Average Rate
$279/mth
$3,347/yr
Saved
$149/mth
53.51%
Quote from March 17, 2024
Customer
Female, 27 years old
Location
london
Vehicle
2014 MINI COOPER COUNTRYMAN S 4DR
Lowest Rate
$300/mth
$3,605/yr
Average Rate
$474/mth
$5,682/yr
Saved
$173/mth
36.55%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

Focus on

Driving in London.

Most popular cars in London.

Drivers in London like reliable cars they know they can trust. Based on our data, here's a snapshot of the most popular types of cars among online auto insurance shoppers in London.

Popular Brands

  1. Honda
  2. Toyota
  3. Chevrolet
  4. Ford
  5. Nissan

Who shops for auto insurance quotes in London?

With three major provincial highways and the University of Western Ontario in the surrounding area, London drivers are diverse. According to our auto insurance data, here is a snapshot of London insurance shoppers.

Gender of our users

Male
64%
Female
36%

Average Age

33

years old

Tickets & Accidents

Have Tickets
12%
Have Had Accidents
13%

What can I do to get cheap car insurance in London?

It's easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:

Shop around

We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.

Buy the right coverage

Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.

Drive responsibly

Your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.

Pay on time

Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.

Bundle up

Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.

Be safe, not sorry

Safety features like winter tires and alarm systems can help reduce your insurance premium.

Stick with one insurer

Most auto insurance companies give special discounts to customers who stay with them for a number of years.

Take a course

A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.

Keep driving

The math is clear: more experience on the road equals lower car insurance premiums. Young drivers almost universally pay higher rates for car insurance. While it’s difficult for new drivers to secure cheap car insurance rates, you may be able to lower your rates by maintaining good grades and attending driving school.

Look at location

Where you drive affects your premiums. Some areas are associated with higher rates of car accidents and theft.

Choose the right car

Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.

Track your driving

With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.

Your questions about driving in London, answered.

How much is car insurance in London?

It’s hard to say how much car insurance in London will cost you without having information about your driving and insurance history, as well as the car you’re looking to insure. Because car insurance is customized to your own personal risk factors, the average price of auto insurance in London is not an accurate indicator of what you will pay. Your personal driving history will play a big role in determining what your final premium will be.

Even car insurance calculators geared to London drivers can’t provide you with a useful figure. They just don’t require enough information.

To get an accurate estimate of what car insurance in London will cost, we recommend applying for a quote. Starting the process on LowestRates.ca is easy. Just enter your postal code and click the ‘Get Started’ button.

Still curious about the average price of car insurance in London? Keep in mind that our user data only accounts for new business (most people see a slight reduction of their premium at renewal). 

Which London postal code has the most expensive auto insurance premiums?

The London, Ont. postal code that receives the highest auto insurance quotes on our site is the N5Y region in the northeastern part of London. It encompasses the neighbourhood of Carling.

Keep in mind that your quote may be different. Your personal driving history and eligibility for certain discounts also plays an important role in determining your final rate.

Which London postal code has the cheapest auto insurance premiums?

The London, Ont. postal code that receives the cheapest auto insurance quotes on our site is the N5X region — a large area located directly north of Carling, the neighbourhood that receives the most expensive quotes in the city.

The N5X postal code encompasses neighbourhoods of Fanshawe, Stoney Creek, Northdale, Stoney Brooke.

Your personal driving record and eligibility for various discounts can help you reduce your rate even further.

How do London car insurance quotes compare to other cities in Ontario?

We benchmarked the average cost of car insurance in London to the average prices in surrounding areas. Here’s how London compares to its neighbours:

  • Kitchener: 1% lower
  • St. Thomas: 17% lower
  • Strathroy: 19% lower
  • Stratford: 20% lower
  • Hamilton: 19% higher

When looking at these figures, keep in mind that you should not use these as estimates for how much you’ll pay. You may be able to find a quote that’s lower than the average in your city.

What factors determine my car insurance quotes in London?

A number of different factors determine the size of your quoted premium. The main ones are:

  • Your age - Drivers under age 30 pay the highest auto insurance premiums
  • Your driving history - Insurance companies will charge you more for things like having a short driving history (not having a full license) and for having driving convictions on your record (or both).
  • Your postal code - Where you live impacts your auto insurance. If an insurance company has paid out a lot of claims to other policyholders in your postal code, they will increase premiums for everyone.
  • Your car - If your car is expensive to replace or is a model that is commonly targeted by thieves, your premium will be higher.
  • Your daily mileage - The longer your daily commute, the more you will pay for auto insurance and vice versa. There is a correlation between how long you spend on the road and the likelihood you’ll be involved in a collision.
  • Your desired coverage level - The more comprehensive the coverage you choose, the more you will pay and vice versa.

To reduce your car insurance premium, you can try applying for discounts and bundling your car insurance with your home policy. Also try a usage-based policy, which can reduce your premium by up to 25%.

What kind of car insurance do I need in London?

All drivers in Ontario must carry third-party liability auto insurance, with a liability benefit worth at least $200,000 and an accident benefit of at least $50,000.

You can add extra property insurance to your base policy. Optional coverages include:

  • Collision - Will pay to repair or replace your car if it is damaged in a collision.
  • Comprehensive - Will pay to repair or replace your car if it is damaged by an insurable risk other than a collision. For example, it is flattened by a falling tree, pummelled by hail or other weather events, or damaged by vandals or thieves.
  • Specified perils - Will cover you against insurable risks that you specifically ask for — and nothing more.
  • All perils - A hybrid between collision and comprehensive insurance.

Where do I get the cheapest car insurance quotes in London?

No London auto insurance company offers cheap car insurance to every London driver that applies for a policy. Car insurance premiums are tailored to each driver and their driving and insurance history.

Comparing car insurance quotes in advance of your policy renewal date can also lower your costs. Since every insurance company’s tolerance for risk is a bit different, it’s possible that one might favour you more than your current auto insurance company.

Car insurance in London for high-risk drivers

Being high-risk means that insurance companies think that the likelihood of you being involved in an accident and filing a claim is high. Driving convictions, previous accidents, and licence suspensions will put a driver into the high-risk category. It’s very hard to find cheap car insurance in London as a high-risk driver. There are, however, insurance companies that cater to high-risk drivers. LowestRates.ca provides quotes from these insurance companies.

Car insurance in London for seniors

Adults between the ages of 50 and 70 get some of the lowest rates on car insurance in London. After age 70, car insurance rates tend to rise. If you do see your rates begin to climb, it may be time to shop around for new automobile insurance in London.

Car insurance in London for students

Car insurance for new drivers in London is expensive. Young people pay, on average, the highest insurance premiums of any demographic (high-risk drivers excluded).

Here are some ways you can make your car insurance in London more affordable:

  • Don’t get your own car insurance. Opt to get listed as the secondary driver of your parents’ car. Insurance for secondary drivers costs less.
  • See if your insurance company offers discounts to students.
  • Take a driver’s education course. Earning a certificate will reduce your car insurance premium.

It can be challenging for new drivers to find cheap car insurance in London. However, we’ve found that young drivers find the most savings on LowestRates.ca — the more you’re expected to pay, the more dramatic the savings you find when you compare car insurance quotes.

Car insurance in London for new immigrants

You must trade in your licence from the country you’ve emigrated from within 60 days for an Ontario driver’s license. The provincial government recognizes licences from several countries as equivalent to an Ontario license, which makes your transition smoother and spares you from going through Ontario’s graduated licencing system. Ask your old insurance company to provide a reference to your new Ontario insurer. You’ll have a better chance at securing a lower car insurance rate because you have proof of your insurance and driving history.

More ways to lower car insurance rates in London

  • Install winter tires. London is situated within Ontario’s Snow Belt. Installing winter tires will not only keep you safe, but it will also lower your annual car insurance premium.
  • Try leaving your car at home. Instead of driving to Toronto, consider taking the rail or bus on your out-of-town day trips. Via Rail stops at the main train station in town. Lowering your annual mileage will also lower your car insurance premium.
  • Practice defensive driving. Keeping a clean driving record will do wonders for your car insurance premium. Pay attention at the Wellington-Commissioners intersection. London's busiest intersection witnesses thousands of cars crossing the juncture every day, making the area one of the city's most common locations for car accidents.
Alexandra Bosanac

Alexandra Bosanac

About the Author

Alexandra Bosanac is the Core Content Manager for LowestRates.ca. Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.

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*Represents the average saved by shoppers who obtained a Grand Prairie auto insurance quote on LowestRates.ca and transacted via our contact centre between January and December 2022. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by LowestRates.ca.