About Windsor Auto Insurance
The City of Roses, Windsor, a city in South West Ontario is often the last port of call in Canada before venturing over the Detroit river into neighboring USA The city boasts a rich history, with settlement occurring in the area during the 18th city, aligning with its close neighbor, Windsor is a major contributor to the Canadian automotive industry.
Being a major player in the car industry naturally comes hand in hand with the large percentage of Windsor residents driving a vehicle of their own. Driving in Windsor can be troublesome at times just like any other large city, so whether you’re cruising down Ouellette Avenue or bumper to bumper on the E.C. Row Expressway it’s mandatory to still have car insurance. So, what are you waiting for, start looking for auto insurance in Windsor with us today!
Windsor Car Insurance FAQs
How much is car insurance in Windsor?
The average cost for car insurance in Windsor is around $1,920 per year. Keep in mind that car insurance quotes are based on a wide range of factors—not just location. Your driving history, age, gender, the type of car your drive, and how far your drive, can all influence how much your car insurance will cost. Auto insurance rates can also vary widely between insurance companies, even for the same coverage options, vehicles, and drivers. That’s why it’s so important to shop around before purchasing a car insurance policy.
Is car insurance in Windsor expensive?
Car insurance rates in Windsor are relatively expensive when compared against the average for both Ontario and all of Canada. The average cost of car insurance in Canada is $1,320 per year, and in Ontario, it is $1,505 per year, while the average for Windsor is $1,920 per year. Remember: these are just average rates for Windsor auto insurance. Your individual car insurance rate could be significantly different based on your specific situation.
Which car has the cheapest average auto insurance in Windsor?
The Mitsubishi Mirage is one of the cheapest cars to insure in Windsor. The Chevrolet Spark, Toyota Corolla, Mazda 3, Hyundai Elantra, and Honda Civic also generally cost less to insure. Typically, SUVs and minivans tend to be the least expensive to insure, while luxury vehicles and sports cars are the most expensive. Beyond just the price tag and style of the vehicle, a few factors determine how expensive a car will be to insure, with safety being the biggest factor. The price of auto insurance for a car is also based on crash test ratings, vehicle age, and reliability. Remember, while choosing a vehicle that’s inexpensive to insure is likely to reduce your rate, it can’t guarantee a low rate as your premium is also dependent on other factors.
What is the cheapest postal code for Windsor car insurance?
The cheapest postal code for car insurance in Windsor is N8W and encompasses the Walkerville, South Walkerville, and Devonshire Heights neighbourhoods. The average car insurance rates in N8N, which includes the Tecumseh area of Windsor, are also cheaper allowing you to save more. On the other end of the spectrum, the postal code with the highest average rates is N9B, which includes the entire district of Bridgeview. It’s important to remember that your zip code is just one of many factors that go into the equation of determining your car insurance rate. While the N8N zip code of Windsor boasts a low average cost for auto insurance and N9B holds a high average, your individual insurance rate may be significantly different.
Average Auto Insurance Rates in Windsor
When it comes to the average car insurance rate for a resident of Windsor, great news, it’s slightly less than the Ontario average when compared in 2016.
For the average driver premiums are around $1,375, which is a little less than 10% of the province average of $1,503. That being said the average rate for Windsor still comes in considerably cheaper when compared to some of the other, busier cities within Ontario like Brampton or Toronto. So, in hindsight the average rate for Windsor will see you end up better off than your big city counterparts.
| Average Insurance Rate = | $1,375 |
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Source: Kanetix Study
How to Find The Cheapest Car Insurance in Windsor?
The best way to get cheap car insurance in Windsor is to compare rates every year. You may also qualify for relevant auto insurance discounts. Many car insurance companies offer a discount for paying your premium in one lump sum or bundling different insurance policies, whether that be more than one vehicle or your home insurance.
You may also be able to save on your car insurance by installing additional safety equipment, such as an anti-theft device, or taking a road safety course. Some providers even offer discounts for student drivers who get good grades.
Total Number of Reportable Collisions in Windsor, 2015 – 2019
Source: Windsor Road Safety Report 2019
Dangerous Intersections in Windsor
As Windsor’s population has grown, traffic accidents have been on the rise, with a few intersections seeing more collisions than others. The intersection of Banwell Road and E.C. Row Expressway has seen the most accidents out of all the intersections in Windsor.
County Road 42 at Lauzon Parkway, Dougall Avenue at Ouellette Place, Pelissier Street at Wyandotte Street West, and McHugh Street at Lauzon Road also have above-average collision rates.
The highest accident rate at any intersection in Windsor is only 1.56 collisions for every 1,000,000 vehicles, but still, it may be better to try to avoid these areas as much as possible.
Source: Windsor City Engineer, Operations Department & Transportation Planning Division
When is a Good Time to Compare Car Insurance in Windsor?
We recommend comparing car insurance quotes once a year, ideally around the time your current policy is up for renewal. It’s also a good idea to look at the different options if any circumstances change that could affect your premium.
Some examples of these might include a marriage, a move, a change in your credit or driving history, or a new driver or vehicle. As far as changes in your driving history, prior accidents and traffic violations will only affect your rate for three years. After that, your premium is likely to change dramatically—don’t forget to shop around for the cheapest car insurance quotes.
Useful Tips for Driving in Windsor
Utilize these tips for driving in Windsor and protect your car insurance no claims bonus… if you haven’t claimed already!
- Being a border city, with the US, Windsor naturally has influx of traffic that does not necessarily reside in the area. Keep an eye out for truckers shipping goods and travelers who are not used to the roads.
- During rush hour the E.C. Row Expressway can become susceptible to heavy traffic and occasional delays so seek an alternative route if possible.
- Every summer Windsor co-hosts a two-week long event called the Windsor-Detroit International Freedom Festival, culminating in huge firework displays for Independence Day (US) and Canada Day. During this time the roads in and around Windsor will be unusually busy and could prove tricky to navigate.