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Compare Windsor Car Insurance Quotes

Get personalized car insurance quotes from Canada's top providers in under 5 minutes, for free.

How car insurance in Windsor works

Windsor is the southernmost city in Canada and is so close to the border, Canadian content rules don’t apply, but the Highway Traffic Act for Ontario still does.

Windsor is known as the “Automotive Capital of Canada” more for its manufacturing, than the number of cars on the road but that doesn’t make transportation any easier. The Detroit-Windsor tunnel is one of the busiest border crossings in North America transporting as many as 150,000 people to and from work every day.

If you’re commuting to the US for work, you need to make sure you have quality insurance that covers you in both countries. If you stay strictly local, it’s still possible to get into an accident with someone from Detroit.

With all this in mind, the people of Windsor need to shop around for car insurance quotes to make sure they’re paying the best price and getting the best value.


Car insurance in Windsor, and across Ontario is a requirement for all drivers. To operate a vehicle in Windsor, you must have insurance. To get the best car insurance in Windsor, it's vital to understand how it works. 

Windsor 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 Windsor car insurance coverage is broken down into two categories - mandatory and optional.

Mandatory Windsor auto insurance coverage includes:

  • Third-party liability
  • Accident benefits 
  • Uninsured automobile insurance
  • Direct Compensation Property Damage (DCPD)

Optional Windsor 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 5 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
  • OPCF44R - Extends coverage to your family following a collision with an uninsured driver.

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  • Step 3: Save money

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Mandatory coverage for auto insurance in Windsor

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

Compare Windsor car insurance quotes and uncover the savings

In less than 5 minutes, you can compare multiple insurance quotes from Windsor's top personal auto insurers, for free.

Optional coverage for auto insurance in Windsor

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

Factors that impact your Windsor car insurance rates

It pays to shop around to find cheap car insurance in Windsor. 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 Windsor:

Driver demographics

Where you live

Vehicle type

Driving history

Driving activity

Type of insurance coverage

Applicable discounts

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How to get cheap car insurance in Windsor

  1. Shop and compare

    Research which company provides cheap car insurance in Windsor, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Windsor car insurance with us is free.

  2. Stay with your current insurer

    Some Windsor 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.

  3. 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.

  4. 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.

  5. 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.

  6. Ask about discounts

    If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Windsor car insurance

  7. 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.

  8. 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.

  9. Install winter tires

    You can save up to 5% simply by adding winter tires to your car in Ontario

Ready to compare car insurance in Windsor?

You're just a few clicks away from all the potential savings that could come with discovering your best car insurance rate.

FAQ

Frequently asked questions about car insurance in Windsor

What are the best insurance companies in Windsor?

Who has the cheapest car insurance in Windsor, Ontario?

Who is the best car insurance broker in Windsor?

Does my Windsor car insurance cover me in the U.S.?

Author Bio

Matt Hands, Business Director of Insurance

Matt started his professional career at CARPROOF where he honed his marketing and analytical skills for over 3 years. Matt then took his wealth of experience to Ratehub.ca’s Toronto offices, working with insurance providers, agents, and brokers to grow and expand the Insurance business unit. He is a thought leader in the community and a valuable insurance resource to respected publications like the Globe & Mail, Toronto Star, Huffington Post, Yahoo News, and 680 news radio in Toronto.

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