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$106.45Jun 19, 2024, 04:08 PMAuto59FemaleK6J4P2
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$24.31Jun 19, 2024, 03:31 PMTenant30FemaleM1H2E4

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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on May 15, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated May 15, 2024

Visit author page

4 minute read

Article Contents

Quick Facts About Auto Insurance in London

  • London car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in London for a driver with comprehensive/collision coverage and a clean driving record is around $1,654.
  • Comparing London auto insurance quotes with MyChoice can save you up to $1,174 annually.

The Best Car Insurance Brokerages in London

Auto insurance brokers can negotiate premiums with a company on your behalf. With the help of a car insurance broker, you can save valuable time and money and get the insurance rates you want. Plus, you can ask them questions about the process so you can make more informed decisions.

Below is a list of brokerages you can visit in London, Ontario:

BrokerageAddressPhone number
McConville Omni Insurance Brokers Ltd.685 Richmond St #300
London, ON N6A 5M1, Canada
My Insurance Broker1255 Commissioners Rd W #227
London, ON N6K 3N5, Canada
Kenny Insurance Brokers360 Springbank Dr
London, ON N6J 1G5, Canada
BrokerLink69 Wellington St Unit A
London, ON N6B 2K4, Canada

Most Expensive Postal Codes in London

The average cost of car insurance in London, Ontario, is roughly $1,654, which is slightly less than the Ontario average of $1,673 yearly. 

London’s most expensive postal code for car insurance is the N5Y region, encompassing Carling and the northeastern part of the city. While your quotes may differ, below are the expected premium rates in this area:

Postal CodeAverage Annual Car Insurance Premium

Least Expensive Postal Codes in London

The N5X region in London has the cheapest auto insurance rates. This region includes Stoney Creek, Northdale, Fanshawe, and Stoney Brooke. Below is a breakdown of how much you can expect to pay for car insurance in the cheapest areas for auto insurance in London:

Postal CodeAverage Annual Car Insurance Premium

Car Insurance Cost in London by Age

As with any city in Ontario, car insurance rates can rise and fall according to your age. Generally, drivers under 30 pay the highest premiums because they are perceived to lack experience. Similarly, drivers over 65 can expect higher premiums, as senior citizens are more likely to sustain injury or death during an accident. 

Below are the average car insurance rates by age in London, Ontario:

AgeAverage Annual RatesAverage Savings with MyChoice

Car Insurance Cost in London by Driving History

Insurance companies are likely to charge higher premiums if:

  • You have a shorter driving history
  • You don’t have a full licence
  • You have a driving conviction

While driving demerits typically only remain on your record for about two years, some insurance providers will review driving history up to ten years prior.

Below are general estimations of how your driving record can impact insurance premiums:

Driving ViolationAverage Annual Car Insurance Premium
Clean driving record$1,654
Insurance cancellation due to non-payment$2,713
Licence suspension for alcohol-related offences$1,985
One accident$3,639
Speeding ticket$2,150

Driving in London

London has the 11th largest population in Canada, so expect it to be a melting pot of diverse drivers. In addition, ever-changing driving conditions make it imperative to have the best possible insurance. Below are some key facts you should know about driving in London:

  • Major highways in London: None (connected to junctions of Highway 401 and 402)
  • Public transit options: London Transit Commission (bus)
  • Ridesharing services: Uber, Lyft
  • Parking space providers: City of London, private lots
  • Top tourist attractions: Springbank Park, Banting House, Fanshawe Pioneer Village, Museum London, Storybook Gardens, Boler Mountain
  • Busy intersections: Richmond Street and Fanshawe Park Road
  • Airports: London International Airport

Main Mode of Commuting in London

Most of London’s commuters take cars, trucks, and vans to work. Out of 118,720 personal vehicle commuters, 12,180 of them are passengers. Meanwhile, public transit is the second-most popular commuting mode in London, with 8,790 users. Here’s a closer look at the modes of commuting in London:

Main mode of commutingCountsRates
Total – 25% sample data138,155100.0
Car, truck or van118,72085.9%
Car, truck or van – as a driver106,54077.1%
Car, truck or van – as a passenger12,1808.8%
Public transit8,7906.4%
Other method3,0602.2%

Commuting Duration in London

London is one of the busier cities in Ontario, so traffic can get congested. Fortunately, for a busy city, commute durations are still reasonable. Almost 80% of London’s commuters spend under 30 minutes during their commutes. Here’s an in-depth look at commuting duration in London:

Commuting durationCountsRates
Total – 25% sample data138,155100.0
Less than 15 minutes47,46034.4%
15 to 29 minutes59,46043.0%
30 to 44 minutes18,88013.7%
45 to 59 minutes6,0054.3%
60 minutes and over6,3454.6%

Driving Conditions in London

Driving conditions in London are often prone to change. These conditions can directly impact your insurance premiums. Here are some key facts about driving conditions in London:

  • Average daily commute time: 44 minutes round trip
  • Average annual rainfall: 946 mm
  • Average annual snowfall: 1,943 mm
  • Rainy days per year: 106 days
  • Rainiest month in London: June
  • Driest months in London: November – March 
  • Snow days per year: 60 days
  • Snowfall months in London: November – April

Traffic in London

London has a population of roughly 422,324, making it one of the busier cities in Ontario. As such, you can expect traffic conditions to fluctuate constantly. Here is a quick overview of traffic conditions in London:

  • City area: London’s city limits span 420.6 km2.
  • Time spent in traffic annually: London drivers spend 89 hours in traffic per year.
  • Busiest highways: Highways 401 and 402 are the busiest in London.
  • Average motor vehicle thefts: There are roughly 1,175 auto thefts a year in London.
  • Average instances of distracted driving: There are 418 instances of distracted driving a year in London.
  • Average number of speeding tickets: Roughly 2,108 people receive speeding tickets every year in London.

The Most Common Questions About Car Insurance in London

How much does London car insurance cost?

The average cost for London car insurance is $1,654 a year. However, this rate may vary depending on your age, driving history, insurance coverage, and vehicle make.

Is car insurance cheaper in London than in Toronto?

Yes, car insurance is cheaper in London ($1,654/year) than in Toronto ($2,139/year).

Why should you compare car insurance rates in London?

You should compare car insurance rates in London because not all policies have the same coverage requirements. In addition, you’ll want to pick a policy best suited to your driving habits.

What information do you need for an auto insurance quote in London?

The information you’ll need to provide for an auto insurance quote in London includes your basic information, driver’s licence, vehicle identification number (VIN), marital status, and accident prevention course completion date, if applicable.

Can I use my London car insurance to drive in the United States?

Yes, you can use your London car insurance to drive in the United States. However, most insurance providers recommend carrying additional cash in case of an accident. If you pay more upfront, you won’t risk an increase on your future premiums.

How do you find affordable car insurance for students in London, Ontario?

You can get affordable car insurance for students in London by taking a driver’s education course. Earning a certificate lets insurers know you are a safe and dependable driver. In addition, you can apply with an insurer that offers student discounts or get listed as a secondary driver on your parents’ insurance policy.

How can you get cheaper car insurance in London?

Compare car insurance rates in London with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.


1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, London, Car Insurance Quotes Collected, 2024.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, London, Car Insurance Quotes Collected, 2024.

3. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, London, Car Insurance Quotes Collected, 2024.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, London, Car Insurance Quotes Collected, 2024.

5. City of London Website, Driving & Transit Information. Data Collected, 2024.

6. Statistics Canada, 2021, Census of Population, Ontario, London, Main Mode of Commuting. Data Published March 29, 2023.

7. Statistics Canada, 2021, Census of Population, Ontario, London, Commuting Duration. Data Published March 29, 2023.

8. Weather Network Canada, Historical Averages, Ontario, London.

9. 511 Ontario Traveller Information, Ontario, London.

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