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Windsor, also known as the “City of Roses” for its city-wide love of flowers, is the final stop along both Highway 401 and Via Rail's Quebec City-Windsor line. Downtown Windsor is divided by Ouellette Avenue, which runs north-south through the centre of the city. Drivers can also choose to take the E.C. Row Expressway, which is one of the quickest and easiest ways to travel east-west across Windsor. This route also passes just north of Windsor Airport.

Of course, the Ambassador Bridge and the Detroit-Windsor Tunnel are two of Windsor's most important connections with the U.S. and with Detroit. Drivers in and around Windsor should buy a quality car insurance plan that provides good coverage in both Canada and the U.S., especially since they're so close to the border. Comparison sites like are a great place to get the best plan for the lowest price.

You can secure the best possible rate on car insurance by comparing quotes on Luckily, there are plenty of auto insurance companies serving Windsor, and one of them will be your perfect fit — but comparing quotes is the only way to find out which one it is. At you can find the cheapest car insurance prices from Windsor car insurance brokers . Just like that.

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Driving in Windsor.

Most popular cars in Windsor.

Windsor has a close connection with Detroit, the car manufacturing capital of America. This makes domestic cars very popular on the Canadian side of the border. Here are the car brands Windsor drivers prefer, based on data from

Popular Brands

  1. Ford
  2. Dodge
  3. Honda
  4. Chevrolet
  5. Hyundai

Who shops for auto insurance in Windsor?

The population of Windsor is just 319,000, but that doesn’t mean there’s no traffic in the city. Thousands more commute to Windsor on a regular basis. The Windsor-Detroit corridor brings many drivers to the region. Here’s a snapshot of who’s shopping for cheap auto insurance quotes in Windsor.

Gender of our users


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

Your questions about Windsor car insurance, answered.

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How much is car insurance in Windsor?

There is no standardized cost for car insurance in Windsor. Car insurance is an extremely customized product. Your premium will depend on a number of different factors — some which are in your control and some that are not — including the loss ratios of the car insurance company in Windsor you’ve selected. These are calculated based on how much your provider has paid out in claims for all its other customers. Car insurance calculator tools geared for Windsor drivers require less information, but this also makes them less accurate. Keep reading for more information on how you can roughly estimate your car insurance costs in Windsor.

Which Windsor postal code has the highest premiums?

The postal code with the highest average automobile insurance price in Windsor is the region of N9B, which encompasses the district of Bridgeview. Located in this region is the University of Windsor

Which Windsor postal code has the lowest premiums?

The N8W region pays the lowest prices for car insurance in Windsor, according to data pulled from This postal code crosses many regions in the city, including Walkerville, South Walkerville and Devonshire Heights. Also located in this area is the Windsor International Airport.

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

Cheap car insurance in Windsor isn’t easy to find. The province of Ontario, where Windsor is located, is notorious for having some of the highest car insurance rates in Canada. Here are the top five cities that pay the highest car insurance rates in Ontario:

The most expensive cities to purchase car insurance in Ontario are:

  1. Brampton
  2. North York
  3. Mississauga
  4. Scarborough
  5. Toronto

While Windsor didn’t make the top five list, it’s not among the most affordable either. These are the cities that pay the least for car insurance in Ontario:

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

There are a number of things that can impact what you pay in car insurance. Where you live is one factor, but it’s not the only thing that matters. In addition, premiums can also be impacted by how old you are, your driving history as well as how much you drive.

Furthermore, while some of these factors are in your control, a number of them are out of your control. Depending on the insurance company you go with, these factors may also have some bearing on whether you’re able to secure an affordable car insurance rate in Windsor.

These include the company’s underwriting standards as well as the company’s loss ratios, which are influenced by the claims histories of the other people insured by your provider.

There isn’t much you can do about the factors you can’t control. So, we suggest focusing on the factors you can control to find a cheap auto insurance rate in Windsor.

What factors determine my car insurance quotes in Windsor?

There are a number of factors that determine your car insurance rates in Windsor. Here’s are some to consider:

Your licence level: Not having a full licence will cause your premium to be higher. Conversely, having a full licence has a positive effect on your car insurance rates. New drivers looking for car insurance in Windsor may see higher rates due to this factor.

Your mileage: How much you drive everyday is another major contributor to what you’ll pay in auto insurance rates. Someone that’s driving 30-45 minutes to and from work each day will pay more in car insurance than someone who only uses their car to run the occasional errand.

Your postal code: Insurance companies determine your rates partially based on the postal code you live in. If your area generally has a higher concentration of claims, you may find yourself paying higher rates than people living in the next postal code over.

Your driving record: Your driving history is another factor that will weigh heavily on how much you pay for car insurance. Someone with an accident or multiple tickets on their record will pay more for insurance than someone with a clean record because they’ll be deemed higher risk. Having little driving experience (approximately less than 10 years), previous claims, and driving convictions will push your car insurance rates up. For this reason, car insurance rates for high-risk drivers in Windsor may be higher than the average rate.

Your age: Like it or not, the younger you are, the more you’ll pay in car insurance (until you’re about 30). This is because you’re considered a high risk driver until you’ve built up a driving history that demonstrates the opposite. There isn’t much you can do about it, but at least you’re not alone. Young people across Canada face the same high auto insurance rates than the more experienced drivers they share the road with. This is another reason why coverage providers might be hesitant to give new drivers in Windsor a cheap rate on their car insurance. This is also why students who need car insurance in Windsor may face challenges securing an affordable rate.

However, being young isn’t the only way age can impact your car insurance rates. Adults between the ages of 50 and 70 get some of the lowest car insurance rates in Canada. If you belong to this demographic, you probably have a long history of being insured and you might even have bundled your home insurance policy with the same provider of your auto insurance. After age 70, though, you might see your rate begin to creep up. Drivers in this age group are statistically more likely to need to file a claim and need longer to recover from an injury. Therefore, seniors in Windsor who hold car insurance policies may also pay higher rates due to a higher rate of accidents in this age group.

Your policy: How much you pay in auto insurance is impacted by how much auto insurance you buy. There are a number of different policies to choose from in Windsor, but everyone in Canada is required to have at least a basic level of car insurance.

Your insurance history: In addition to having a poor driving history, your insurance history can also play a role in determining your rates. If you’ve filed multiple claims or have a history of missing payments, you may be given a higher rate. Furthermore, new immigrants who need car insurance in Windsor may also face challenges because they have no Canadian insurance history at all.

What kind of car insurance do I need in Windsor?

Third party liability and accident benefits - You must carry this type of insurance to legally operate a car in Ontario. This type of basic car insurance policy protects your liability if you injure someone else in a collision. It also pays for your medical costs. You must have liability benefits worth at least $200,000 and accident benefits worth at least $50,000.

Collision - Covers the cost to repair or replace your car if it is damaged in a collision.

Comprehensive - Covers costs if your car is damaged by things other than a collision, including theft, vandalism, or falling objects.

Specified perils - Protects your car from insurable risks that you specify you want in your policy. If it’s not written in the policy, it isn’t covered.

All perils - A hybrid between collision and comprehensive insurance. Offers coverage if your car is damaged in a collision or by any other insurable risk.

You can customize your car insurance quote to reflect any type of coverage.

Where do I get cheap car insurance quotes in Windsor?

This is a difficult question to answer. Some of the factors used to determine your car insurance rates are in your control and others are not. This means that there are no standard car insurance rates, but rather, your car insurance is customized to you.

The best way to ensure you’re getting the best rates on car insurance is to compare the market. One of the fastest ways you can do this is to use a price comparison website like You might be surprised at how much money you can save when you take a few minutes to review all your options.

Facts and myths about driving in Windsor


  • King and Weber Street intersect near both the south end of Windsor and the north end of Waterloo. If you're picking people up, know which end of the region they're expecting you from.
  • Homer Watson Boulevard helps students reach Conestoga College's main campus. The campus is located off the 401, but traffic on the off ramps backs up easily during the morning rush to classes. If you're coming from in town, stick to the boulevard.
  • Bingemans Campground is one of Windsor's most popular attractions. It's located off Victoria Avenue East, so Bingemans is easy for drivers to get to via the Conestoga Parkway and Highway 7. Just remember, Bingemans only allows a maximum of six persons per campsite.


  • Windsor's streets are the same as Waterloo's. False. While many of the major roads in KW do continue from one city into the other, the two municipalities are still technically separate from each other.
  • Windsor doesn't have good public transit. False. Grand River Transit services the city, so you can reach most areas of Windsor without using your car. Light Rail Transit is also in development and will run parallel with King Street.
  • Getting in and out of Windsor is difficult. False. If you're travelling east, you can use Highway 7, and if you're going north or south, you can pass through Waterloo or Cambridge. Meanwhile, the Ontario government is committed to increasing GO Train service from Windsor.

What are some tips for driving in Windsor?

  1. Navigate roundabouts properly. Roundabouts were introduced to the Region of Waterloo in 2004, and many have popped up along major roads in Windsor. Make sure you navigate roundabouts properly. Yield to vehicles already in them and stay in the same lane as you make your way through.
  2. Use the Conestoga Parkway to reach Waterloo. The roads in town can get congested and delay trips to work or school in the morning. The Conestoga Parkway is an expressway that runs through Windsor and connects to Highway 85 heading north through Waterloo. If your job or class is in the neighbouring twin city, the Parkway can shave valuable time off your commute.
  3. Avoid downtown King Street. At the centre of the city, King Street narrows to one lane both ways in downtown Windsor. The city is also planning to convert King Street into a pedestrian-friendly area, which will further inhibit the flow of traffic. Driving down King Street on a morning or afternoon workday can take longer than you planned, so plan another route.

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