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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$76.30Sep 21, 2023, 04:29 PMAuto58MaleL7A5B5
$42.26Sep 21, 2023, 11:34 PMHome62MaleP4N3A3
$22.77Sep 21, 2023, 12:55 PMTenant43FemaleM1W3V7

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

Updated July 27, 2023

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

Updated July 27, 2023

Visit author page
Article Contents

Find The Cheapest Car Insurance Rate in Ottawa

When it comes to finding cheap car insurance in Ottawa, you might be pleasantly surprised to hear that auto insurance quotes are not too bad in the city. The secret to finding cheap insurance and getting the lowest rate possible is to compare your different options, allowing you to save more.

That’s why, here at MyChoice, it’s our mission to help you find affordable insurance. We do so by making it quick and easy for you to find and compare Ottawa car insurance quotes from Ottawa’s top car insurance companies, here in one place.

It’s easy to get started, begin an online quote and we’ll do all the shopping on your behalf in the background before showing you the different rates. Make it your choice when comparing your Ottawa insurance options, make it MyChoice.

How Much Does Car Insurance in Ottawa Cost?

The average cost of car insurance in Ottawa is approximately $1,150 annually. Some of the luckier, experienced drivers can even expect to pay anywhere between $800 – $1,000 per year.

As you may or may not know Ottawa’s average car insurance cost is considerably cheaper when compared to other major cities and. According to recent research data for the average driver in Ottawa, you can expect your estimated premium for auto insurance to be somewhere in the region of $1,100 which is quite cheap in comparison to other cities in Ontario, with the provincial average for Ontario being around $1,634

There are several factors that determine how cheap or expensive car insurance will be but the relatively low cost for car insurance in Ottawa is partly down to the relatively safe roads and the city not being situated within the Greater Toronto Area, which has some of the most expensive insurance within Canada.

Regardless of where you live the best way to get cheap car insurance and have an accurate idea of how much your car insurance will cost in Ottawa is by comparing a range of different quotes.

About Ottawa Car Insurance & What You Need To Know

With just over one million inhabitants year-round, Ottawa is no stranger to a large number of vehicles on its roads at any one point with approximately half the city’s inhabitants a licensed driver.

Ottawa sits on the border of Ontario and Quebec, this geographical location means that the winters can be particularly harsh. Therefore it’s important to ensure that you have adequate car insurance to cover these potential hazards in the winter months. As previously mentioned above, Ottawa doesn’t have very expensive car insurance but it’s still important to save as much as you can. Start an online quote with us today and see some of the different ways that you can save with us

Aside from its significant history and political influence, Ottawa is also an attractive location for starting families who want to live somewhere safe and dynamic. The various bridges that span the Ottawa River, as well as the multiple motorways that transverse the regions are very familiar to most Ottawa drivers. Though despite having safe roadways, Ottawa drivers still want to have auto insurance that will cover their driving needs.

Different Factors That Impact Your Ottawa Auto Insurance

When you are looking for car insurance in Ottawa, Ontario, you can do a few things to get a lower car insurance quote—with comparing quotes being the most significant. Because every insurer uses a different algorithm to calculate rates, you may get drastically different quotes even with all the same coverage options.

Outside of shopping around, you can also opt to pay your premium in a lump sum rather than paying monthly. Many insurers offer a small discount for lump-sum plans. Multi-car or policy coverage is another common way to save on your car insurance.

Next, ensure all your household’s drivers and vehicles under one policy and bundle your car insurance with your home, RV, or motorcycle insurance. When it’s time to purchase a vehicle, it also pays to consider models that have lower repair costs and high safety ratings.

The fiery red sports car that your best friend had his eye on may give you an ego boost, but it definitely won’t save you on auto insurance. Nearly everyone knows that certain cars attract higher than average costs for your insurance, but many people don’t think about why that happens.

If you’ve splurged on a sports car, you’ll likely pay more for auto insurance even if you’re a responsible driver. Generations of unsafe drivers of those types of cars have set an expensive precedent for everyone.

Lastly, one of the most overlooked factors that drive up car insurance rates is how far you drive. The average person commutes to work during the week and will most likely use their vehicle on weekends too. The frequency and distance that you drive is often taken into account when determining your average rate.

What Area In Ottawa Has The Cheapest Car Insurance

For your car insurance, one aspect that is taken into consideration when providing a quote is the postcode where you live. Obviously, the average rate for any given postal code can change over time so by no means are these averages set in stone.

Looking at some of our recent Ottawa insurance quotes the Nepean (K2G, K0A, K2H, K2J, K2R) area has the lowest average rate and is the place to be for the cheapest car insurance. Typically, Drivers can expect to pay anywhere between $800 – $1,100 per year for their insurance, depending on other personal circumstances.

Conversely, the pricier areas for car insurance in Ottawa can be found nearer to downtown, in the busier parts of town. In areas near Vanier, Riverview and Gloucester are where you may end up paying more for your insurance than the average.

How Does Car Insurance In Ottawa Work

In terms how auto insurance works in Ottawa and the rules that govern it, these are mandated and controlled by the government of Ontario. These same rules will apply province wide wherever you may be driving.

There are two components that you need to know when understanding how car insurance works in Ontario, mandatory and optional coverage. A driver must be covered by a set of mandatory types of insurance and then they have the choice to add some optional extra types of insurance.

Mandatory Car Insurance Coverage Needed In Ottawa

As a driver in Ottawa, you are subject to car insurance laws from Canada as well as the province of Ontario. In Ontario, you are required to get a minimum car insurance coverage of at least $200,000 in third-party liability coverage. This covers anyone injured or killed and all physical property damages caused by a car accident for which you’re at fault. Keep in mind this covers damages for the person you hit but not yourself.

Second, your insurance must include statutory accident benefits coverage which covers you (the driver) in the event that you’re injured in a car accident, regardless of fault. This includes rehabilitation care, caregiver benefits and non-earner and income replacement.

Third, you need direct compensation-property damage, which allows you to collect payment directly from your insurance company in the event of a loss of the vehicle use and it’s content, even if it’s another person’s fault.

Lastly, your insurance policy must include uninsured automobile coverage, which protects against damages or injuries caused by a hit-and-run collision or an accident involving an uninsured driver.

Optional Auto Insurance Coverage Extras In Ottawa

In addition to the mandatory types of insurance coverage, there are other types of coverage that provide protection in the event of car damage. Here is a breakdown of the different types of optional auto insurance available in Ontario:

Collision Coverage

This type of insurance expands upon liability by adding coverage for the policy owner’s car too. This way even if you are at fault for an accident your insurance would cover damage to you such as your medical bills, car damages and any injuries you sustain.

Comprehensive Coverage

This is the broadest type of auto insurance coverage and it covers everything that collision and liability coverage does as well as situations like vandalism, theft, flood damage and many other types of losses.

Guaranteed Asset Protection (GAP) insurance

This type of insurance pays out the difference between what you owe on your car loan and the amount of money your insurance companies give you following an accident or vehicle theft. Since brand new cars lose 9-11% of value when it’s sold and even more over time there’s often a difference between the value of the car and the remainder of what’s left on the loan, this is where GAP insurance comes into play to cover the difference. To receive this payout the car must be deemed a total loss, meaning the cost to repair the vehicle exceeds it’s value or the police never recovered it after a theft.

Compare The Best Ottawa Ausot Insurance Quotes With Us Today

It’s important to evaluate different auto insurance premiums and not just renew with your current insurance providers, there are many other auto insurance companies vying for your business. Insurance rates change at periodic intervals throughout Ontario which means you could be eligible to save on your rate from as recent as 3 months since you bought your auto insurance.

Obtaining rates for Ottawa car insurance has never been easier. MyChoice’s process is easy to get started simply enter your postcode along with a few personal driver details and you’ll be comparing different rates in as little as 3 minutes!

Ottawa Car Insurance FAQs

Is Car Insurance in Ottawa Expensive?

Relative to other cities in Ontario, Ottawa has fairly cheap car insurance. Ottawa does have relatively low vehicle collisions, statistically safer than others in Ontario, and that means that the frequency of accidents is lower. That creates a lower risk level for insurance companies, allowing them to offer lower rates. However, your auto insurance rate may be higher than average regardless of where you live if you are under the age of 20, drive a higher risk vehicle (such as a sports car), or have prior traffic law violations or accident history.

When Is a Good Time to Compare Car Insurance Premiums in Ottawa?

Any time is a good time to begin comparing car insurance quotes in Ottawa, especially if you want to save money! As a rule of thumb, if you have had a major life event, such as getting married or recently moved to Ottawa, you should consider getting a new quote for your auto insurance to reflect your updated circumstances. Additionally, if you change jobs or are consider purchasing a new car, you should consider the change in insurance before doing so. Lastly, it’s important to be prepared because if you wait until it is nearing time for your renewal, you risk losing valuable research time. This could lead to rushing for coverage without considering all possible avenues.

Which Car Is the Cheapest to Insure in Ottawa?

Vehicles that don’t have many aftermarket parts installed and those that have high safety ratings will have the cheapest car insurance rates. By this same token, SUVs and minivans generally are cheaper to insure than smaller sedans because they typically have better safety features and higher crash test ratings. Luxury vehicles will have higher insurance premiums due to the increased likelihood of automotive theft. Luxury vehicles also have higher repair costs after collisions, which is another reason high-end cars tend to cost more to insure.

What Are the Most Dangerous Intersections in Ottawa?

Though the roads in Ottawa are safe, there are a few intersections that can commonly cause drivers trouble.

In terms of intersections with the most recorded collisions over the past few years in Ottawa are as follows:

– Hunt Club Road and Riverside Drive
– Catherine Street and Kent Street
– Innes Road and Tenth Line Road
– Riverside Drive and Heron Road
– Carling Avenue and Kirkwood Avenue North
– Greenbank Road at Iris Street/417 East
– Riverside Drive at Tremblay Road/417 East
– St. Laurent Boulevard and Walkley Road
– Bank Street and Hunt Club Road
– Baseline Road and Woodroffe Avenue
– Even from these ten dangerous intersections, very few fatalities occur from vehicle collisions. No deaths occurred at any of these intersections in 2020.

Total Reportable Collisions in Ottawa, 2016 – 2020

The below chart highlights the number of total reportable collisions from a road accident in Ottawa from 2016 – 2020. Across the 5 years worth of data, the highest number of collisions occurred in 2020.

Source: Ottawa Road Safety Report 2020

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