Compare car insurance quotes in Ottawa for free.

On average, Ottawa drivers save hundreds of dollars per year by comparing quotes with us.

Get 30+ quotes in 3 minutes.

How comparing car insurance quotes in Ottawa works. Hint: It’s free!

Enter your information

Enter your information.

Compare quotes

Compare 30+ quotes in less than 3 minutes.

Purchase your policy

Secure your rate by talking to a licensed broker.

Focus on

Driving in Ottawa.

Most popular cars in Ottawa.

As one of Canada’s largest cities, Ottawa has its fair share of vehicle congestion to deal with. See below for the kinds of cars Ottawa car insurance shoppers are driving, based on the thousands of auto insurance quotes completed on

Popular Brands

  1. Honda
  2. Toyota
  3. Hyundai
  4. Mazda
  5. Nissan

Who shops for auto insurance in Ottawa?

As Canada’s capital city, Ottawa is naturally one of the country’s largest political and economic hubs. The city of Ottawa is the second largest in Ontario and the fourth largest in Canada by population with a growing GDP. That means millions of people hit the road every day. Keep reading to learn more about the Ottawa residents who have compared car insurance quotes on

Gender of our users


Average age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

Your questions about Ottawa car insurance, answered.

Looking for more auto insurance info? Check out our Help Centre.

Which Ottawa postal code has the highest average premiums?

The Ottawa postal code with the highest average premiums in the city is the K1T area. This postal code is located in the Nepean region, which is situated between Kanata and Gloucester. The area encompasses Blossom Park, Greenboro, Leitrim and Findlay Creek. As of early 2020, the average premium for this area is $2,821 per year.

Which Ottawa postal code has the lowest average premiums?

The Ottawa postal code with the lowest average premiums is the K1B region, located inside the suburb of Gloucester and situated along the Trans Canada Highway. The region encompasses the Blackburn Hamlet, Pine View and Sheffield Glen districts. The average premium for this postal code is $1,459.42 per year.

How do Ottawa car insurance rates compare to other cities in Ontario?

While Ontario is notorious for having some of the highest auto insurance premiums in the country, within that range, Ottawa actually has the cheapest. The cities with the next highest premiums are Kingston, Pembrooke, Cornwall and Brockvile.

The Ontario cities with the cheapest car insurance are:

  1. Ottawa
  2. Kingston
  3. Pembroke
  4. Cornwall
  5. Brockville

Just because Ottawa’s prices are the lowest in the province doesn’t mean cheap car insurance is easy to find. Areas like Ottawa, which are highly populated and have greater levels of congestion, are prone to higher car insurance premiums.

On the flip side, many Ontario residents still pay far more than Ottawa residents for auto insurance. Brampton residents pay the highest car insurance premiums in the province, followed closely by North York, Mississauga, Scarborough and Toronto.

Car insurance buyers in Ottawa should keep in mind that where you live is just one factor in determining how much you’ll pay in premiums. Other factors your lender might consider include your personal driving habits, your insurance history and how much you drive every day.

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

Every insurance company underwrites risk differently, so it’s difficult to estimate where you’ll be able to get the cheapest car insurance premiums in Ottawa.

There are a number of factors that insurance companies consider which are out of your control. Among these factors is the company’s loss ratios, which are composed of the driving records of all of your insurance company’s customers.

Don’t worry. There are still factors under your control that can effectively help you lower your car insurance rates in Ottawa. These include your driving record, the amount of kilometres you drive each year, the type of car you drive, your eligibility for discounts and — ultimately — the car insurance policy you choose.

It may seem counterintuitive, but buying a car that you wouldn’t want to steal might lower your car insurance rates. Utilitarian cars that have high safety ratings but aren’t historically targeted by thieves are generally considered to be a low risk by insurance companies. In addition, you can also practice defensive driving and limit your mileage to try for a lower car insurance rate.

By comparing Ottawa car insurance quotes on, you may find that one insurance company’s tolerance for risk is a bit different than your current auto insurance provider and they may be willing to offer you a lower rate.

What factors determine my car insurance rates in Ottawa?

There are several factors that can impact your auto insurance premiums in Ottawa. Here are some things your insurance company might factor in when determining your rate:

Your mileage: If you’re using your vehicle to run a few errands (between 6 km and 9 km per day), your mileage won’t influence your insurance premium. On the other hand, if you use your car frequently and your daily mileage is over 25-30 km per day, your premium will likely be higher than someone who drives less.

Your driving record: If you have an accident or a string of traffic tickets on your driving record when you sign up for car insurance, your car insurance premiums will be higher than someone with no incidents in their history. Having a clear record, on the other hand, will likely get you a lower rate.

Your age: Car insurance companies will give you higher insurance rates until you’ve built enough driving history to prove that you’re a safe driver. The good news is, you’re not alone. Young people all over Ottawa, and Canada, pay higher rates for auto insurance than their older, more experienced peers on the road. Like many things in life, it gets better with age.

Facts and myths about driving in Ottawa


  • Ottawa roads are among the safest in the country. Efforts from all government levels, and many non-governmental agencies, reduced traffic fatalities and serious injuries in Ottawa significantly over the past 30 years — despite a huge increase of drivers in Ottawa.
  • If you think you've seen all of Ottawa, look down — there's an entire city beneath your feet. Ottawa is home to an extensive "underground city": tunnel networks through Carleton University, an underground passageway in the downtown business district, and a rapid transit line currently in construction.
  • The urban transit service of Ottawa, called OC Transpo, has its own bus rapid transit (BRT) system. This high-frequency bus service runs on the transitway and boasts a network of separate roadways for OC Transpo buses.


  • A larger population means more accidents in Ottawa. False. You'd think that in a city like Ottawa, accidents would be among the highest in the country, but the opposite is true. In fact, Ottawa has one of the lowest accident rates in Canada. Between 2014 and 2018, the intersection with the most traffic collisions was St. Joseph Blvd. and Jeanne D’arc Blvd with a total of 280 total collisions.
  • Heavy winter snowfall means more accidents. False. Even though Ottawa gets about 224 centimetres (or 88 inches) of snowfall every year, drivers in the city know how to cope with the white stuff.
  • When driving in Ottawa, you can skip the winter tires and use all-seasons tires instead. False. All-season tires may seem convenient, but when you're driving in Canada, and especially in snowy Ottawa, there's no such thing as tires for "all seasons".

What are some tips for driving in Ottawa?

Beware of potholes: Ottawa roads have become known for being speckled with potholes. In the early months of 2020, City of Ottawa officials filled more than 13,000 potholes. Depending on the weather, potholes can go from being a literal bump in the road and a full-on car accident so be alert and stay safe while driving.

Limited downtown parking: The topic of finding parking in downtown Ottawa has been up for debate for years. If you’re travelling downtown via car, keep this in mind as it’s not unheard of for parking enforcement authorities to surprise residents with tickets of $75 or more.

Don’t skip the winter tires: Much like the rest of Canada, Ottawa is known for its harsh winters. If you’re regularly driving through harsh winter weather, winter tires can mean all the difference between getting home safely or winding up in an accident. Furthermore, some insurance companies will offer you a discount on your car insurance if you have winter tires.

Speaking of which, watch out for those snow banks: If there are snow banks on your lawn, you need to be careful when you're pulling out of the driveway. It's easy to get clipped by a passing vehicle if piled-up snow blocks your view.

Look out for deer or other wildlife on the road:​ There are 1,000 collisions between wildlife and vehicles each year in Ottawa — that's more than in any other area in Ontario. Look for yellow wildlife warning signs or light reflections from animals' eyes. The best way to stay safe is to reduce your speed so you have time to react appropriately.

Auto insurance news

Read More Like This