Skip to main content
Ratehub logo
Ratehub logo

Compare Windsor car insurance quotes & save today

Get personalized car insurance quotes from Windsor's top providers in less than five minutes – free of charge.

How to compare Windsor car insurance quotes with

  1. Share information

    Tell us a little about yourself and your auto coverage needs.

  2. Compare quotes

    We instantly show you auto insurance quotes from top Windsor providers.

  3. Save money

    Choose your quote and secure your car insurance rate online.

A few things we're proud of

  • 1,200,000

    monthly users

  • 11 years


  • Over 1M

    better choices made

  • Trusted partner

    to Canada’s top financial institutions

All about car insurance in Windsor

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.

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.

Windsor (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 Windsor car insurance policy. 

Did you know?

The previously mandatory coverage, Direct Compensation for Property Damage (DCPD), has been made optional for Ontario drivers as of January 2024. Many insurance experts are warning drivers about the implications of opting out, however, as the financial risk may not be worth the potential savings. Learn more about optional DCPD in our blog linked below. 

more on optional dcpd insurance

Standard Windsor auto insurance coverages

In Windsor, three are four standard car insurance coverages – third-party liability, accident benefits, uninsured motorist, and direct compensation for property damage.

Third-party liability

Accident benefits

Uninsured motorist

Direct compensation for property damage

Optional Windsor auto insurance coverages

Aside from the mandatory coverages, you can also add optional coverages to your Windsor car insurance policy. These options are mainly there to help cover the loss and damage of your personal vehicle.



Specified perils

All perils

Emergency roadside assistance

Popular Windsor auto insurance endorsements

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 Windsor drivers.

Compare Windsor car insurance quotes to uncover your savings.

In less than five minutes, compare personalized car insurance quotes from Windsor's top providers – no obligation, free of charge.

How much is car insurance in Windsor?

In Windsor, 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 Windsor users received from us (last updated in March 2024).

  • $83/month

    49-year-old female

    driving a 2016 Hyundai Elantra under CAA Insurance

  • $174/month

    34-year-old female

    driving a 2020 Ford Escape under SGI Canada Insurance

  • $198/month

    26-year-old female

    driving a 2016 Jeep Cherokee under Gore Mutual

Factors that impact your Windsor car insurance rate

It pays to shop the market for cheap Windsor 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.

  • Age

    Younger drivers tend to pay the highest car insurance rates due to statistical risk factors.

  • Gender

    Males tend to pay higher premiums than their female counterparts due to statistical risk factors.

  • Location

    Where you live in Windsor matters. Busy areas with high crime rates will inevitably come with higher premiums.

  • Vehicle type

    Cars that expensive to repair and replace will cost more to insure – and the same goes with highly-stolen ones.

  • Vehicle use

    Do you drive for business or for pleasure? Pleasure-use cars tend to come with cheaper insurance rates.

  • Driving history

    Your Windsor driving history is looked at by insurers. A clean record shows low-risk which means low premiums.

  • Driving behaviour

    More time on the road equals more risk – so expect to pay higher premiums if you commute daily.

  • License class

    If you have your full driver's licence in Windsor, expect to pay cheaper premiums than a novice driver.

  • Coverages & discounts

    More protection will lead to higher rates, but asking for discounts can help combat the cost.

How to get cheap Windsor car insurance quotes

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

  1. Shop & compare

    Research which company provides cheap car insurance in Windsor. Rates can potentially go up whenever you renew, but lucky for you comparing personalized Windsor car insurance quotes with us is free.

  2. Stay loyal

    Some Windsor car insurance companies will give loyalty discounts to drivers who remain active with them for years – but don't let this deter you from shopping the market.

  3. Bundle insurance products

    If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a policy bundle discount.

  4. Insure multiple vehicles together

    If you have multiple drivers and multiple vehicles in your household, putting them all under one policy can help 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 increase it, you'll pay less in premiums.

  1. Ask about discounts

    Ask your insurer about group rates – for professionals, alumni, and more. Oftentimes, Windsor insurance companies will offer discounts to members of certain organizations.

  2. Pay premiums annually

    Paying monthly premiums adds administrative costs to your insurer. If you’re able to pay in full annually, you'll likely pay a bit less in the long run.

  3. Keep a clean record

    The cheapest rates go to the safest drivers in Windsor. Car crashes can stay on your record for years, causing your insurance premium to go up substantially.

  4. Install winter tires

    As Windsor roads can get dangerous in the winter, insurers often offer a cheaper rate to those who install winter tires.

  5. Drive less

    The more you drive, the more risk you're inevitably exposed to. Simply driving less can help save you money on your car insurance premium.

Ready to compare car insurance in Windsor?

You're just a few clicks away from unlocking all your savings – find your lowest Windsor auto insurance rate with us today.

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.?