Compare Ottawa Car Insurance Quotes
Get personalized car insurance quotes from Canada's top providers in under 5 minutes, for free.
Matt Hands, Sr. Business Unit Director
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
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Direct compensation property damage
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How much is car insurance in Ottawa?
The average cost of car insurance in Ottawa is roughly $1,200 per year, or $100 per month. The cheapest city in the province. Are you paying more? Could you pay less? Let's find out.compare my quotes
1200 St. Laurent Blvd. Unit 004A, Ottawa, ON K1K 3B8
1910 St. Laurent Blvd. Unit 34C, Ottawa, ON K1G 1A4
2950 Bank St. Unit 8, Gloucester, ON K1T 1N8
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.
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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 with us is free.
Stay with your current insurer
Some Ottawa auto 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 5% simply by adding winter tires to your car in Ontario
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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 more
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