Compare the best London car insurance quotes & save today

London, Ontario is home to almost 500,000 people, but the lack of a strong public transit system makes driving a car here almost a necessity. Along with the large number of drivers, the lack of a proper freeway and two major railways also contribute to traffic congestion during rush hour periods. Despite all this, driving around the city is still relatively safe – therefore, auto insurance premiums here are generally more affordable than in other major cities, such as Toronto, Mississauga, and Brampton.

Auto insurance in Ontario is a requirement. Private companies issue coverage, but the system is overlooked by the Financial Services Regulatory Authority of Ontario (FSRAO). This ensures rate increases are substantiated – simply put, an insurer can't raise rates without prior approval from the regulatory body. Rate increases also need to be backed by financial records.

Mississauga (along with the rest of Ontario) also operates under a no-fault insurance system. This doesn't mean you'll never be deemed at fault after an accident. Instead, it means that you'll generally be making claims under your own insurer, regardless of fault. 

To learn everything there is to know about auto insurance in the city, be sure to read on. When you're ready, you can also compare personalized car insurance quotes to find your best rate. We can connect you with a licensed broker who will guide you seamlessly through the process of securing your Brampton car insurance policy. 

To further customize your car insurance, you can also add Ontario Policy Change Forms (OPCFs) to your policy. While the selection of endorsements may differ depending on the provider you choose, here are some popular options for London drivers.

In London, the average cost of car insurance is about $1,400 per year. Keep in mind, however, that rates are calculated based on your individual profile – to find the exact cost you'll be paying, be sure to compare personalized car insurance quotes with us. Below are three sample quotes our London users received from us in January 2024.

It pays to shop the market for cheap London car insurance. This is because different insurers offer different rates based on a list of personalized factors. Here, we cover a few main ones, so you can better understand how insurers come up with your quote.

While insurers are the ones that quote you, there are many steps you can take to make sure you're getting the cheapest London car insurance on the market. Here, we cover ten different tips to help lower your premium.