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What our users say:

July 17
Great Customer service
I was very happy and please with the outcome of the call, all my questions were ...
Santo
July 17
Quick and easy
Quick and easy. Very helpful broker
Peter Deeprose
July 17
Very knowledgeable and helpful sales…
Very knowledgeable and helpful sales staff.
Lisa Rucha
July 17
Mark was very informative and not…
Mark was very informative and not pushy. He was very helpful and I appreciate it...
Brenda Hanzuk
July 16
Super helpful
Super helpful, quick and easy!
Mandy J
July 12
Excellent service
The lowest rates agent called me right after I finished the initial question and...
D-Glenn Surgenor
July 11
Professional all the way!
They were able to find the right coverage at the right price in a short time. P...
Jeff
July 7
The name says it all
The name says it all, lowest rates available and very professional service. 5 st...
Adam Koester
July 5
The service I received today 7/4/24 was…
The service I received today 7/4/24 was amazing and swift.
MARIO CLARKE
July 3
Quick results
Quick results, connected with a company in no time at all. Ended up doing busine...
Paul in Calgary
July 2
Prompt reply
Fare and competitive rate
Obaid Khan
June 29
Savings
Saved me $300 a year
Eric Buls
June 29
Amazing service
Amazing service, very quick response and helpful staff
Abdo Antoun
June 28
There was an instant offer and then…
There was an instant offer and then quick follow up.
Dcghelani
June 28
The people I was dealing with were…
The people I was dealing with were knowledgeable and very helpful
Evgenia
June 27
Accurate
Guve us the best what we looking for
Genelyn Tacaisan
June 20
Good
Good rates using
Sharma
June 10
The service was quick and convenient.
The service was quick and convenient.
Eddy
June 2
Great customer service!
Great customer service!
Owen Thompson
May 23
There going to help you be covered as long as you keep keep up with your monthly payments against somebody else s fire and flood damage if you started the fire or flood by no fault of your own doing .
My sister refused me to cooperaters in hamilton for apt fire insurance .they gav...
Cindy Lou
May 15
The Hope of a more cost saving policy
The Hope of a more cost saving policy
Caroline m Fremont
May 14
They went through the insurance…
They went through the insurance information with me , and allowed me to save hun...
Kevin Jessome
May 5
I was so impressed with your…
I was so impressed with your representative- Bhakti Joshi for her help in walkin...
Maureen Driscoll
May 5
The fellows were very friendly and…
The fellows were very friendly and helpful
Leona Toner
May 4
Very Helpful when time you need it
I have been using lowest rate.ca to find the best raye for any of my insurance a...
Eli
April 19
Sean was easy to talk too and very…
Sean was easy to talk too and very informative.
Angela
April 12
fast responce
fast responce, great people to talk to explaining everything, What a Great web s...
Larry Rowthorn

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 July 18, 2024
Customer
Male, 37 years old
Location
windsor
Vehicle
2021 AUDI Q5 PROGRESSIV 45 2.0 TFSI 4DR AWD
Lowest Rate
$205/mth
$2,462/yr
Average Rate
$289/mth
$3,463/yr
Saved
$83/mth
28.91%
Quote from July 18, 2024
Customer
Female, 29 years old
Location
windsor
Vehicle
2011 FORD ESCAPE LIMITED 4DR 2WD
Lowest Rate
$97/mth
$1,168/yr
Average Rate
$177/mth
$2,119/yr
Saved
$79/mth
44.88%
Quote from July 18, 2024
Customer
Male, 37 years old
Location
windsor
Vehicle
2024 AUDI Q5 PROGRESSIV 45 2.0 TFSI 4DR AWD
Lowest Rate
$223/mth
$2,670/yr
Average Rate
$331/mth
$3,969/yr
Saved
$108/mth
32.73%

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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*Shoppers in Windsor who obtained a quote on LowestRates.ca from January to December 2023 saved an average of $558 per year. The average savings 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.