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Compare Windsor car insurance rates and save more than 28%.*

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What our users say:

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 23
Everything was explained clearly and…
Everything was explained clearly and the process was quick and simple.
Julie-Anne Campeau
February 16
Fast and easy good response
Fast and easy good response
Robert Burke
February 16
Great service
Great service
Waseem Akhter
February 15
Website is easy to use the…
Website is easy to use the representatives were so helpful, wasn't on hold long ...
Olivia
February 15
very easily approach for info and clear…
very easily approach for info and clear to understand
DANIEL HELDER
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
February 14
The person i talked made it easy she…
The person i talked made it easy she was easy to talk to she quick and i feel i ...
Calvin Shelley
February 13
very good and easy
very good and easy
Noel Tavas
February 10
The agent was very pleasant
The agent was very pleasant and thorough. She reviewed the important informatio...
Bernard Wrobleski
February 10
Finally service
Knowledgable friendly considerate and concerned
Rick D
February 9
Very fast
Very fast, efficient and helpful. I would not hesitate to recommend this company...
Anna Paquette
February 9
Friendly approach and talk and showing…
Friendly approach and talk and showing kindness and help.
Abdul Lodin
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
June 22
Very professional polite & knowledgeable
Very professional polite & knowledgeable
Raymond Beaudoin

How comparing Windsor auto insurance quotes works. Hint: it’s free!

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

Car insurance in Windsor

The Ambassador Bridge and the Detroit-Windsor Tunnel are two of Windsor's most important connections with the U.S. and Detroit. Given their proximity to the border, drivers in and around Windsor should buy a quality car insurance plan that provides good coverage in Canada and the U.S.

If you don't carry valid car insurance in Ontario, you may get fined up to $50,000 — not to mention potentially getting your car impounded and your license suspended.

The Financial Services Regulatory Authority of Ontario (FSRA) is the governing body overseeing the province's auto insurance industry. It ensures all insurance providers are licensed and follow the rules. Insurance companies must also. FSRA also approves or denies any rate changes that insurance companies want to implement. Without FSRA's approval, insurers can't change their rates.

You can secure the cheapest auto insurance rates by comparing quotes on LowestRates.ca. Luckily, plenty of auto insurance companies serve 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 LowestRates.ca, you can find the cheapest car insurance prices from Windsor car insurance providers, just like that.

Mandatory Windsor car insurance coverage

By law, car owners in Windsor must carry standard auto insurance coverage. A standard auto insurance policy will include the following.

Optional Windsor auto insurance coverage

Drivers in Windsor can choose to increase the coverage on standard policies and opt for additional coverages that protect them from other risks.

Some of those additional coverages may include:

Auto insurance providers offer other optional coverage types as well. If you have questions about your coverage, request a car insurance quote using LowestRates.ca's online quote tool above. It's simple and free to use. Once you find the cheapest car insurance that meets your needs, a licensed insurance professional will connect with you to answer any questions and secure your rate.

Front view of a car. Illustration.

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

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from March 04, 2024
Customer
Female, 23 years old
Location
windsor
Vehicle
2016 BMW 428I XDRIVE GRAN COUPE 4DR AWD
Lowest Rate
$685/mth
$8,218/yr
Average Rate
$1,148/mth
$13,777/yr
Saved
$463/mth
40.35%
Quote from March 04, 2024
Customer
Female, 18 years old
Location
windsor
Vehicle
2009 DODGE/RAM JOURNEY R/T 4DR AWD
Lowest Rate
$341/mth
$4,088/yr
Average Rate
$602/mth
$7,227/yr
Saved
$262/mth
43.43%
Quote from March 04, 2024
Customer
Male, 20 years old
Location
windsor
Vehicle
2012 TOYOTA COROLLA LE 4DR
Lowest Rate
$520/mth
$6,244/yr
Average Rate
$633/mth
$7,591/yr
Saved
$112/mth
17.74%

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

Factors that determine your car insurance rates in Windsor

Each driver in Windsor has different experiences and circumstances, leading to insurers offering different auto insurance premiums. It may not seem fair, but here are some reasons why this happens:

Car insurance rates for Windsor seniors

When it comes to car insurance, drivers above 50 and below 65 usually reap the benefits of being an experienced driver in the form of below-average premiums. However, this isn't the case for all seniors; it may be difficult for some to find lower rates. And cost-conscious retirees may also want to find ways to trim their expenses. In these instances, we recommend the following:

Car insurance rates for students in Windsor

It's tough being a young or inexperienced driver. Drivers under age 25 are charged higher auto insurance premiums as they are considered more at risk of collisions than seasoned drivers.

As a new driver, there's no way around the surcharge, but there are things you can do to lower your car insurance and set yourself up for decreases in the future.

Car insurance for new immigrants to Windsor

New immigrants moving to Windsor may need help getting auto insurance. Depending on which country you emigrate from, you may need to build your driving and insurance history in Canada from the ground up; the Canadian government recognizes driving licences from the U.S. and Western European countries, but people from anywhere else must go through their new home province's graduated licencing system, which means newcomers often pay higher than average insurance premiums. To bring insurance costs down, we recommend trying the following:

Car insurance for high-risk drivers in Windsor

A driver with many claims and accidents is labelled 'high-risk' by car insurance companies. Insurance companies must offer all drivers quotes, even if they're high-risk. However, insurers must compensate for the extra risk they take by insuring this demographic — making it difficult for high-risk drivers to find affordable insurance. However, you can eventually lower your rates. We recommend trying the following:

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

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.

Focus on

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 LowestRates.ca.

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

Male
67%
Female
33%

Average Age

33

years old

Tickets & Accidents

Have Tickets
15.06%
Have Had Accidents
12.44%

Your questions about Windsor car insurance, answered.

 

How much is car insurance in Windsor?

Drivers in Windsor have great options when it comes to finding cheap auto insurance. They can start by comparing quotes on sites like LowestRates.ca.

By applying for auto insurance quotes in Windsor, you’ll see what the cheapest rates are from the top insurance providers in your area.

Unless your broker or agent advises you to purchase more coverage, the price you see on our site is what you will pay.

But prices for car insurance in Windsor are not the same for everyone. Each driver comes to the table with different variables. Your individual premium will depend on your own personal driving and insurance history. It’s important to keep this in mind when using Windsor car insurance calculators; they can’t give you an accurate estimate because they don’t require enough information from you.

We also don’t recommend using averages to estimate your car insurance costs in Windsor since averages include drivers who pay premiums that are at the top and low ends of the spectrum, which distorts the average.

LowestRates.ca data is also impacted by the fact that more young drivers use our site to compare quotes than experienced or senior drivers. Young drivers pay the highest auto insurance rates in Brantford.

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, and where the University of Windsor is also located.

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 LowestRates.ca. 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?

Ontario 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

These cities are small, which on average leads to cheaper auto insurance rates.

Windsor car insurance companies look at more than your location. Prices vary depending on things like your personal driving habits, experience, and age, which can also factor into the equation.

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 LowestRates.ca. You might be surprised at how much money you can save when you take a few minutes to review all your options.

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.
Joel Kranc

Joel Kranc

About the Author

Joel Kranc is an award-winning writer, author and journalist. Most of his experience lies within the institutional investment and financial services space. He also covers a variety of business topics for publications in North America and the UK.

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*Represents the average saved by shoppers who obtained a Windsor 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.