Compare Ottawa Car Insurance Quotes
In under 5 minutes, you can compare the Ottawa car insurance market and potentially save hundreds of dollars on your next policy - for free.
How to compare Ottawa car insurance quotes with Ratehub.ca
Share information
Tell us a little about yourself and your auto coverage needs.
Compare quotes
We instantly show you Ottawa auto insurance quotes from top Canadian insurers.
Save money
Choose your quote and secure your Ottawa car insurance rate online.
A few things we're proud of
1,200,000
monthly users
11 years
young
Over 1M
better choices made
Trusted partner
to Canada’s top financial institutions
How car insurance in Ottawa, Ontario works

Matt Hands, VP, Insurance and MoneySense
Ottawa is the capital of Canada and the largest city in the nation with both English and French as co-official languages. The average annual car insurance premium in Ottawa is just over $1,200.
Despite a huge increase in population, and consequently drivers, Ottawa is still relatively safe for driving.
According to a 2013 report, Ottawa has the most educated population among Canadian cities. We know smart people shop for the best car insurance rates in just minutes and at Ratehub.ca, we can help you do that.
Car insurance in Ottawa, and across Ontario is a requirement for all drivers. To operate a vehicle in Ottawa, you must have insurance. To get the best car insurance in Ottawa, it's vital to understand how it works.
Ottawa operates in a no-fault insurance system. No-fault means drivers use their own insurance company regardless of who is at-fault in an accident. In other words, you only ever deal with your own insurance company for a claim or following an accident.
Ontario auto insurance is provided by private insurance carriers and is regulated by the Financial Services Regulatory Authority of Ontario (FSRAO). FSRAO ensures rate increases are substantiated. Simply put, an insurer can't raise rates without prior approval from the regulatory body and is based on their financial records.
Available Ottawa car insurance coverage is broken down into two categories - mandatory and optional.
Mandatory Ottawa auto insurance coverage includes:
- Third-party liability
- Accident benefits
- Uninsured automobile insurance
- Direct Compensation Property Damage (DCPD)
Optional Ottawa car insurance coverage includes:
- Collision insurance
- Comprehensive car insurance
- Specified perils
- All perils
Also available in any city in Ontario are Optional Policy Change Forms (OPCF) which are coverage enhancements. Here are 4 common Ontario endorsements.
- OPCF 20 - covers the cost of a rental vehicle while yours is being repaired or replaced
- OPCF 27 - Ports your existing insurance to a rental car or car you borrow
- OPCF 39 - Your insurer forgives your first accident claim so it doesn't impact your insurance rate
- OPCF 43 - Removes depreciation in calculating the value of your car when settling a claim
Mandatory coverage for auto insurance in Ottawa
Mandatory insurance is mostly about protecting you from damage you may cause to others and their property. Protecting you personal car is available with optional coverages.
Third-party liability
Accident benefits
Uninsured motorist
Direct compensation property damage
Optional coverage for auto insurance in Ottawa
The below coverages are optional, unless you lease your car and your lessor requires them. Typically, new cars will get the optional coverages.
Collision insurance
Comprehensive
Emergency roadside assistance
Specified perils
All perils
Compare Ottawa car insurance quotes for free.
In less than 5 minutes, you can compare multiple insurance quotes from Ottawa's top personal auto insurers. See how much you can save on your next policy today.
Car insurance companies in Ottawa
Company |
Address |
Phone |
1200 St. Laurent Blvd. Unit 004A, Ottawa, ON K1K 3B8 |
1-800-267-1836 |
|
Co-operators |
1910 St. Laurent Blvd. Unit 34C, Ottawa, ON K1G 1A4 |
1-844-333-3265 |
Allstate |
2950 Bank St. Unit 8, Gloucester, ON K1T 1N8 |
1-343-700-4341 |
Looking for direct car insurance companies in Ottawa? Direct insurers may be experts on car insurance products, but they don’t always give you the best market price possible. By providing us with a few details, we can compare car insurance quotes from various car insurance companies in Ottawa, so you can select the cheapest option available. We’ll also connect you with a licensed insurance broker to guide you through the process of purchasing the coverage you need.
Factors that impact your Ottawa car insurance rates
It pays to shop around to find cheap car insurance in Ottawa. Even though an insurance application is fairly standard you will find that different insurance companies offer different rates based on their existing users, the number of active claims on their fiscal books, and overall risk tolerance calculations. Furthermore, there are several factors beyond your control that impact a risk tolerance calculation, like if you live in an area with higher than average levels of insurance fraud. Here are seven factors auto insurance companies consider before offering personal car insurance in Ottawa:
Driver demographics
Where you live
Vehicle type
Driving history
Driving activity
Type of insurance coverage
Applicable discounts
How to get cheap car insurance in Ottawa
Shop and compare
Research which company provides cheap car insurance in Ottawa, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Ottawa car insurance quotes with us is free.
Stay with your current insurer
Some Ottawa car insurance companies will give loyalty discounts to drivers who remain active with them for years. Especially if they add family members or multiple vehicles to their policy.
Bundle your policies
If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.
Get a multi car discount
If you have multiple drivers and vehicles in the same household, by putting them all on one policy can save you money.
Increase your deductible
Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to double your deductible, it could save you money.
Ask about discounts
If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Ottawa car insurance.
Pay premiums annually, instead of monthly
Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.
Maintain a good driving record
If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. Car crashes stay on your insurance record for up to ten years and can result in higher premiums.
Install winter tires
You can save up to 3-5% simply by adding winter tires to your car.
Ready to get a free Ottawa car insurance quote today?
By comparing quotes from Canada's top insurance companies to find your best rate can potentially save you hundreds of dollars annually.
Frequently asked Ottawa auto insurance questions
How much does Ottawa car insurance cost?
Which car has the cheapest insurance in Ottawa?
Do you need insurance to rent a car in Ottawa?
What are the best insurance companies in Ottawa?
Who is the best car insurance broker in Ottawa?
Matt Hands, Business Director of Insurance
With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio
The knowledge bank
A wealth of knowledge delivered right to your inbox.
About Ratehub.ca
Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.
When it comes to mortgages, Ratehub.ca is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place.
Ratehub.ca has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada.
How does Ratehub.ca make money?
Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry-leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.
read more about us