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

Updated on December 5, 2023

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

Updated December 5, 2023

Visit author page

13 minute read

Article Contents

How Can You Get Cheap Car Insurance in Windsor?

You can get cheap Windsor car insurance by finding the best deals. Here are several tips to help you do so:

Compare Rates Between Insurers

Windsor has a highly competitive auto insurance market, so insurers are constantly vying for your business. When insurers try to give you the best deals, it’s you who wins. Compare rates and shop around to see which insurance provider fits your auto protection needs affordably.

Take Bundled Policies

One of the best ways to save money while shopping is to buy a package deal, and insurance is no different. If you bundle home and auto insurance from the same company, you’re much more likely to get lower rates.

Ask For A Higher Deductible

You must pay a deductible on insurance claims before your carrier covers the remaining expenses. A higher deductible means paying extra if something happens to your car, but it also means you’ll get lower insurance premiums.

Request Group Discounts

Many insurance companies deal in group discounts for companies and other organizations. If you’re shopping for auto insurance in Windsor for work, ask your agent about group deals and discounts.

Pay Annual Premiums

Paying annual insurance premiums might look expensive initially, but it’s generally cheaper than paying them monthly. Ask your insurers about half-year premiums if you can’t afford annual premiums.

Drive Safely

Motor vehicle offences and accidents stay on your record for years. Unfortunately, any driving violation on your record will considerably increase your insurance rates. However, this also means you’ll get lower auto insurance rates if you have no offences on record.

Consider Taking Usage-Based Insurance

Usage-based insurance (UBI) or pay-as-you-go insurance tracks your driving behaviour to determine how much you must pay for insurance. Taking UBI lets you save up to 30% on your annual premiums, so it’s a good option if you consider yourself a safe driver.

Take Driving Courses

Accredited driving lessons make you a safer driver and let you earn discounts on auto insurance in Windsor.

Choose the Coverage You Need

Naturally, more insurance protection leads to higher rates. While some auto insurance coverage is mandatory, you have optional insurance coverage like at-fault accident and theft protection. Review your policy and skip unnecessary optional coverage to save on insurance premiums.

Buy Affordable Cars

Cars that are expensive and hard to replace tend to get hit with higher premiums. If possible, buy affordable and reliable cars that are more common and easy to repair or replace if you want lower insurance rates.

Quick Facts About Auto Insurance in Windsor

  • Windsor car insurance is MORE expensive than the Ontario average.
  • The average annual car insurance cost in Windsor for a driver with a clean record is around $2,260.
  • Drivers without a clean record in Windsor can pay up to $4,981 annually, depending on factors like driving and claim history.
  • Comparing Windsor auto insurance quotes with MyChoice can save you up to $1,605 annually.

Who Provides Car Insurance Quotes in Windsor?

Insurance brokers, agents, aggregators, and direct writers provide car insurance quotes in Windsor. Here’s an overview of these four insurance quote providers:

Insurance Brokers

Insurance brokers are independent professionals who help you shop for the best rates by comparing deals from multiple insurers. Because they have a bird’s-eye view of the current Windsor insurance landscape, they can show you which companies offer the best insurance deals and answer any questions you may have.

Brokers take a commission from insurance companies, which could increase your rates. You might spend more money than if you had found an insurer yourself.

Direct Writers

Like insurance agents, direct writers only sell insurance products from one company. Direct writers are typically found online and are cheaper because they don’t have physical offices.

Insurance Agents

Insurance agents work for a certain insurer, so they can only offer their employer’s insurance products. However, they know their insurer like the back of their hands and might even give you discounts that brokers don’t have access to.

Additionally, insurance agents can close insurance sales independently, meaning you can purchase insurance from them right then and there. 

Insurance Aggregators

An insurance aggregator website like MyChoice compiles rates from various insurance brokers, companies, and direct writers in one place. You can browse aggregator websites to find the best deals from the top insurance companies and get quotes instantly.

Better yet, insurance aggregators are accessible online and entirely free for customers, so you can look up insurance rates without spending a single penny or leaving the house.

How Does Car Insurance Work in Windsor?

Car insurance in Windsor works by providing financial coverage in case something bad happens to you or your car, depending on the protection you choose. Auto insurance in Windsor is mandatory by local laws, which means you need car insurance to avoid fines or driver’s licence suspensions.

Worse still, if you get convicted of driving without insurance, you’ll get higher premiums from carriers. This makes driving again prohibitively expensive or even nearly impossible after being caught driving without insurance. That’s why getting auto insurance is essential before buying a car or driving in Windsor.

Here’s a breakdown of the key elements of your auto insurance policy:

The mandatory car insurance requirement for Windsor drivers are:

Third-Party Liability (TPL) Coverage 

This insurance component provides financial compensation if you cause an accident that results in car damage or somebody getting hurt or killed. Per Financial Services Commission of Ontario (FSCO) regulations, you need at least $200,000 in TPL coverage.

Statutory Accident Benefits Coverage

This insurance component pays for your medical bills, rehabilitation, and possible funeral expenses if you get hurt or killed in a car accident, regardless of who’s at fault. Accident benefits coverage also offers income replacement worth 70% of your gross income, capped at $400 per week.

Uninsured Automobile Insurance 

Uninsured automobile insurance covers your medical bills and funeral expenses if you’re struck by uninsured vehicles or hit-and-run drivers. Additionally, it compensates for vehicular damage caused by uninsured drivers.

Direct Compensation – Property Damage (DC-PD) Insurance

DC-PD insurance compensates you for the damage other drivers cause in an accident. However, DC-PD only kicks in if the other person is at fault, they’re also insured, and the accident takes place in Windsor. 

Once you meet the minimum car insurance coverage requirements, you can legally drive in Windsor. However, it pays to have extra protection beyond the basics in case you get in an accident.

Since minimum car insurance only goes so far, we’ve got some extra Windsor car insurance recommendations for you:

Extra TPL Coverage

The mandatory $200,000 insurance minimum can be too small, so many drivers choose to get coverage up to $2 million if they cause property damage or hurt somebody in an accident.

Additional Statutory Accident Benefits

Many people get additional coverage for medical bills and funeral expenses in their statutory accident coverage. You can also get extra income replacement protection if 70% income capped at $400 a week seems too limited.

More Comprehensive Property Damage Protection

DC-PD coverage has very specific coverage terms like the other driver also needs to be insured, and the accident must occur in Windsor. To cover their bases, many people purchase extra insurance that still protects them even when the other driver is uninsured, and the accident happens in other provinces.

In addition to mandatory insurance coverage outlined by the FSCO, you can take optional insurance coverage like:

Specified Perils Protection

Specified perils insurance coverage protects you from loss or damage due to a specific cause. The most common perils insured are:

Many insurers also offer comprehensive auto insurance in Windsor if you want protection from all these perils.

Accident Forgiveness

Insurers usually raise your premiums if you’re at fault for causing an accident. If you’ve been a safe driver for several years, you can take extra accident forgiveness coverage so you won’t get higher premiums if you cause an accident. Note that accident forgiveness only works on your first accident, and subsequent violations will still raise your rates.

Limited Depreciation Waiver

If you take a limited waiver of depreciation, you can receive your car’s purchase price as compensation if it’s been stolen or deemed a total loss after an accident. 

How Your Car Insurance Quotes Are Calculated in Windsor

Your car insurance rates are calculated based on how risky you are to insure. Naturally, drivers more likely to get into accidents will have higher premiums than those less likely to be in an accident.

Here are seven factors that influence your Windsor car insurance quotes:

Age, Gender, and Marital Status

Your personal demographics influence auto insurance premiums in Windsor because different people have varying accident risks. 

Younger people tend to get higher premiums because insurance companies see them as more accident-prone than older people. Generally, your car insurance rates start decreasing when you hit 25 years old as long as you keep a safe driving record. However, insurance premiums increase again for people aged 65 and older because they’re more likely to be injured or killed in traffic accidents.

Women often get lower insurance rates because they’re seen as more careful drivers and don’t take as many risks as men.

Marital status also determines your rates because most insurance companies see married people as more financially stable and less-risky drivers. Married couples also tend to bundle home and auto insurance, saving more on premiums.


People who live in urban areas often see higher insurance premiums because they’re more prone to car accidents and theft. 

Car Make and Model

Expensive cars are more costly to repair or replace, so insurance premiums are usually higher than more common vehicles. You can install security features like anti-theft devices if you have an expensive car and want to save on insurance premiums.

Driving History

People who drive safely are rewarded with lower premiums because they’re usually less likely to get into a traffic accident. Conversely, people who have gotten into multiple accidents get higher premiums because they’re more likely to be involved in another accident down the line.

Driving Activity

Logic dictates that people who drive frequently are more likely to get in an accident. Therefore, kilometres driven is one of the determining factors that set your Windsor auto insurance rates.

Insurance Coverage Chosen

Your coverage options influence your insurance rates because taking more coverage gives you more protection. Naturally, the more coverage you choose, the higher your rates.

Policy Discounts

Getting discounts can lower your auto insurance rates and make them more affordable. You can typically get discounts by bundling home and auto insurance or asking for a group discount for your workplace or organization.

Most Expensive Postal Codes in Windsor

At $1,375/year, Windsor has a slightly lower auto insurance premium than Ontario’s provincial average. Some areas of the city like West Forest Glade/East Fontainebleau, South Central Windsor, and East Windsor have even higher average premiums, with several places reaching $1,482/year. These areas are generally within the city centre. The higher traffic density there makes accidents more likely.

Here’s a breakdown of the most expensive postal codes for auto insurance in Windsor:

Postal codeAverage annual car insurance premium
N8T, N8X, N8Y, N9A, N9B, N9C$1,482

Least Expensive Postal Codes in Windsor

Fortunately, some areas in Windsor have considerably lower auto insurance rates. Areas like Outskirts Tecumseh, YQG Windsor, and South Windsor have lower auto insurance rates than the rest of the city. These areas tend to be cheaper because they’re on the outskirts of Windsor and have lower traffic density. The cheapest auto insurance premiums in Windsor are around $100 lower than the provincial average.

Here’s an overview of the cheapest areas for auto insurance in Windsor:

Postal codeAverage annual car insurance premium
N8N, N8V, N9E, N9J, N9K$1,272

Car Insurance Cost in Windsor by Age

Your age influences car insurance rates because it’s related to your driving experience and accident risk. 

Young drivers pay more for car insurance because their lack of experience raises their accident risk. Meanwhile, senior citizens get higher rates because they’re more likely to be hurt or killed in an accident.

Here’s a look at how your age influences auto insurance rates in Windsor:

AgeAverage annual insurance costAverage savings with MyChoice

Car Insurance Cost in Windsor by Driving History

Your driving history affects car insurance premiums because insurers use it to gauge your accident risk. Drivers with many demerits and driving violations usually get higher rates because they’re more likely to get into an accident. Conversely, drivers with clean records tend to be safer, leading to lower rates.

In Ontario, your traffic violations and demerit points “reset” after two years. However, insurance companies often check your driving record further back than two years when assessing your risk.

Here’s how different traffic violations can affect your car insurance rates:

Driving violationAverage annual car insurance rate
Clean driving record$1,375
Insurance cancellation due to non-payment$2,255
Licence suspension for alcohol-related offences$1,648
One accident$3,031
Speeding ticket$1,790

Other Factors That Affect Car Insurance Prices in Windsor

We’ve covered several factors that influence car insurance rates in Windsor. Aside from those, several extra factors play a part in determining your Windsor auto insurance premiums:

Vehicle Model Accident Rates

Some cars are just more accident-prone than others. Even if you have a spotless driving record, owning a car model infamous for having high accident rates will increase your insurance premiums.

Vehicle Age

Naturally, older cars are more expensive to insure because they may not have all the safety features of newer vehicles. If you insist on driving a vintage car everywhere, make sure you can pay the insurance premiums.

Vehicle Repair Costs

The harder it is to repair a car, the more expensive it is to insure. You can expect high insurance premiums on luxury cars and foreign cars that don’t have a large dealership or service centre presence in Canada.

Vehicle Primary Usage and Annual Mileage

You may spend more or less time on the road depending on what you use the car for. Car usage influences insurance rates – generally, the more you use it, the higher your premiums. For instance, insurance premiums on a car you use as an Uber will be higher than on a car you almost exclusively take on weekend cruises.

A good way to measure how much somebody uses a car is by its annual mileage. If your car has low annual mileage, insurers may determine that this car is low-risk and thus grant you more affordable insurance rates.

Local Crime Rates

Living in high-crime areas means your car is at higher risk of being stolen or vandalized. If you live in an area where theft or vandalism often occurs, you may get higher car insurance rates.

Past Insurance Claims

Any auto insurance claims will drive your premiums up, regardless of who’s at fault. If you make many insurance claims, the insurer will see you as a high-risk policyholder and give you higher rates.

Loyalty Bonuses

Many insurance companies reward long-term customers with discounted rates. If you’ve been a policyholder at the same insurance company for several years, ask for a rate reduction or discount when you renew your policy.

The Best Car Insurance Brokerages in Windsor

Car insurance brokers help you choose the right auto insurance policy by answering your questions and comparing policy offers.

Here are several brokers in Windsor that you can contact for extra assistance when seeking car insurance:

BrokerageAddressPhone number
Kafka Insurance Brokers Ltd2785 Howard Ave,
Windsor, ON N8X 3X8, Canada
Jim Christie Desjardins
Insurance Agent
280 Edinborough St #1a,
Windsor, ON N8X 3C4, Canada
SurNet Insurance Group Inc.2557 Dougall Ave #6,
Windsor, ON N8X 1T5, Canada
Grant & Mingay Insurance Ltd1369 Ouellette Ave,
Windsor, ON N8X 1J6, Canada

Driving in Windsor

Windsor is the southernmost city in Canada. It’s located just north of the Detroit River, which means you can easily commute to and from Detroit for work and pleasure. Windsor is also well-known for its great climate, with relatively mild winters and warm falls.

Here are some key facts about driving in Windsor you should know:

  • Major highways in Windsor: 401, E.C. Row Expressway
  • Public transit options: Transit Windsor (bus)
  • Ridesharing services: Uber, Lyft
  • Parking space providers: The City of Windsor, private lots
  • Top tourist attractions: Caesars Windsor Casino, Windsor Riverfront, Canadian Aviation Museum, Willistead Manor, Dieppe Gardens, Jackson Park, Ojibway Nature Centre
  • Busy intersections: Wyandotte Street E and Drouillard Road, Tecumseh Road E and Howard Ave, Tecumseh Road E and Lauzon Parkway, Dougall Avenue and West Grand Boulevard, Provincial Road and Walker Road
  • Airports: Windsor International Airport

Commuting in Windsor

Statistics Canada found that Windsor has the lowest population of commuters using sustainable transportation (bus, bicycle, or walking) out of over 40 Canadian cities. This likely means Windsor is a very car-centric city. Here’s a look at some commuting statistics in Windsor:

  • Average commute distance: The average Windsor resident travels x km to their workplace or school. 
  • Commute duration: Most (44.8%) Windsor residents spend 15 to 29 minutes on their commute, meaning they spend about 30 to 58 minutes in traffic per day. Therefore, they roughly spend 182 to 353 hours annually in traffic.
  • Main mode of commuting: The most popular mode of transport in Windsor is a personal vehicle, whether it’s cars, trucks, or vans. 90.8% of Windsor’s households use personal vehicles in their commute, while the second-most popular mode of transport is public transit with a 3.5% share.

Driving Conditions in Windsor

Various weather and driving conditions like snow and rain can affect your auto insurance premiums. Here’s an overview of driving conditions in Windsor: 

  • Average daily commute time: 100 minutes round trip
  • Average annual rainfall: 27.5 mm
  • Average annual snowfall: 129 mm
  • Rainy days per year: 40
  • Rainiest month in Windsor: July
  • Driest months in Windsor: February
  • Snow days per year: 53

Snowfall months in Windsor: November – March

Traffic in Windsor

With nearly 230,000 residents, Windsor is the third-most populous city in Southern Ontario, just under London and Kitchener. With its closeness to Detroit and its status as the busiest commercial crossing on the border between Canada and the United States, traffic in Windsor can get very busy. 

Here’s a quick look at the key traffic statistics in Windsor:

  • Population: 229,660 people live within Windsor’s city limits.
  • City area: Windsor’s city area spans 146.32 km2.

Busiest highways: Windsor is the western terminus of Highway 401, North America’s busiest highway, which boasts over 500,000 vehicles driving through it daily.

The Most Common Questions About Car Insurance in Windsor

Is ridesharing insurance available in Windsor?

Ridesharing insurance for Uber and Lyft drivers is available in Windsor. Ask your insurer for more details.

How much does Windsor car insurance cost?

Windsor car insurance costs $1,375/year, just $10 under Ontario’s provincial average.

Is car insurance cheaper in Windsor than in Toronto?

Car insurance in Windsor is cheaper than in Toronto. There’s a $421 difference between the two cities’ average auto insurance rates.

What are the best car insurance companies in Windsor?

The best car insurance company in Windsor depends on what you want out of your policy and your budget. Use My Choice to compare insurance companies and find the right one for you.

Who has the cheapest auto insurance in Windsor?

The cheapest auto insurance provider in Windsor also depends on what types of coverage you choose. You can skip optional coverage to drive your rates down and save money.

Which cars get the lowest car insurance premiums in Windsor?

Our research shows that at $126/month, Fiats are the cheapest cars to insure in Windsor.

Why should you compare car insurance rates in Windsor?

You should compare car insurance rates in Windsor because different insurers provide different coverage at different prices. Comparing rates help you choose which policy has the best value.

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

You need to provide basic personal details and vehicle information like production year, make, and model to get a basic auto insurance quote. You can get more accurate quotes by disclosing extra information, like your driving record and past traffic violations.

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

There’s no affordable car insurance for students in Windsor, but students can be listed as a driver in their parent’s insurance policy. This way, they don’t have to spend money paying for their own policy.

Which auto insurance is the best for young drivers in Windsor?

The best auto insurance for young drivers in Windsor should be the one that gives ample protection at a reasonable cost.

Is car insurance cheaper in Windsor than in Brampton?

Car insurance in Windsor is cheaper than in Brampton by nearly $500.

Why is car insurance in Windsor so expensive?

Car insurance in Windsor is so expensive because it’s a large urban area – more cars are on the road, making accidents more likely.


Sample Size

We analyzed over 50,000 auto insurance quotes across Canada.


Average rates were calculated using a standard profile and incident profiles. All personal details pertaining to the quotes and policies have been kept confidential.

Standard Profile

Single driver, one car, currently insured, and a pristine driving record. Our base profile is a 35-year-old individual (both male and female) with a spotless driving record.

Incident Profiles

We examined how rates change by evaluating profiles with a clean record (standard), one at-fault accident, a single speeding ticket, license suspension for alcohol related offenses and insurance cancellation due to non-payment.

Vehicle Details

These individuals own a 2018 Honda Civic, commute five days a week, and cover a distance of 15,000 kilometres annually.

Vehicle Models

Costs were also analyzed for different vehicles: Mazda CX-5, Ford Escape, Toyota Corolla, Honda Accord, Chevrolet Equinox, and the base 2018 Honda Civic.

Age and Homeownership

Profiles from age 18-65 (standard: 35 years) were considered. Depending on age, individuals might rent or own their homes. Age-related regulations may vary across provinces.


MyChoice data science, MyChoice research.


1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, Windsor, Car Insurance Quotes Collected, 2023.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, Windsor, Car Insurance Quotes Collected, 2023.

3. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, Windsor, Car Insurance Quotes Collected, 2023.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, Windsor, Car Insurance Quotes Collected, 2023.

5. City of Windsor Website, Driving & Transit Information. Data Collected, 2023.

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

7. Weather Network Canada, Historical Averages, Ontario, Windsor.

8. 511 Ontario Traveller Information, Ontario, Windsor.

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