50+ Ratings on Google!

Windsor Car Insurance

3 minutes can save you hundreds. Enter your postal code below and join thousands of Canadians saving on car insurance.

Secure. No Spam. No Fees.

Why You Can Trust MyChoice

MyChoice serves as an independent intermediary between you, financial institutions and licensed professionals without any additional charge to our users. In the interest of transparency, we disclose that we partner with some of the providers we write about – we also list many financial services without any financial gain. MyChoice does not operate a financial institution or brokerage and to ensure accuracy, our content is reviewed by licensed professionals. Our unique position means that we hold no recurring stake in your policy, ensuring our mission to help Canadians make better financial decisions is free of bias or discrimination. 

How to Compare Car Insurance Quotes with MyChoice

Comparing car insurance quotes with MyChoice is as simple as it gets:

Share Your Car Insurance Needs​

Tell us what you want out of your auto insurance.

Shop for the Best Deals​

Compare auto insurance quotes from the best Canadian insurers.

Secure Your Rates​

Pick the best deal and lock your rates on our site.​

Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$106.45Jun 19, 2024, 04:08 PMAuto59FemaleK6J4P2
$43.02Jun 19, 2024, 05:45 AMHome56FemaleK1G0M5
$24.31Jun 19, 2024, 03:31 PMTenant30FemaleM1H2E4

How MyChoice Works



have compared rates and saved money over the last 24 hours
Leah D
Leah D
July 19, 2023
I was able to get a tenant insurance quote and a car insurance quote for my Jeep on the same day, in the same place, super fast and convenient, less than 10 mins! Would use again and would absolutely recommend
Imaan Pirani
Imaan Pirani
July 13, 2023
Got a great quote for my Camry and to my surprise was able to purchase online... They passed all my information to the companies website automatically and it made the process a breeze!” Highly recommend
David Ifejika
David Ifejika
July 13, 2023
I was shopping around for car insurance and a friend suggested that I try MyChoice to help find the least expensive insurance for my partner and I. It was very reliable, straightforward and user friendly. It made finding new car insurance easy!”
Ty Warner
Ty Warner
July 12, 2023
I was able to bundle my home and auto insurance with My Choice. Getting a quote for both was pretty quick, once I had done my auto portion I had the option to easily check my home insurance too so that was ideal!
John Doyle
John Doyle
July 7, 2023
Recently closed on a place in Markham and was able to get a great home insurance quote in minutes with MyChoice. Purchased online through square one right on closing day!
Tim Borgstädt
Tim Borgstädt
July 4, 2023
I don’t always shop around when it comes to my insurance but I’m glad I did this time, My Choice had a good range of options and I was able to chat to a broker once I found a quote that I liked!
Hao Sheng
Hao Sheng
June 30, 2023
I got a great quote from mychoice. Would definitely recommend everyone to start a quote. I got a much cheaper rate from CAA than my TD
Leo Brasil
Leo Brasil
June 19, 2023
Great experience getting an online quote, quick and easy. All things considered, it looks like I'm going to save around $80 a month on my car insurance!
Mark Whiteley
Mark Whiteley
June 19, 2023
I was shopping around for home/auto insurance because my rates seemed to skyrocket on renewal. MyChoice allowed me to easily search for the most competitive rate, and next thing I know I'm saving $400 a year. Strongly recommend it!
Secure. No Spam. No Fees.
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 Windsor

  • Windsor car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Windsor for a driver with comprehensive/collision coverage and a clean record is around $1,643.
  • Comparing Windsor auto insurance quotes with MyChoice can save you up to $1,167 annually.

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

Most Expensive Postal Codes in Windsor

At $1,643/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 $1,682/year.

Postal CodeAverage Annual Car Insurance Premium
N8T, N8X, N8Y, N9A, N9B, N9C$1,682

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.

Postal CodeAverage Annual Car Insurance Premium
N8N, N8V, N9E, N9J, N9K$1,572

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 RatesAverage 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 Premium
Clean driving record$1,643
Insurance cancellation due to non-payment$2,695
Licence suspension for alcohol-related offences$1,972
One accident$3,615
Speeding ticket$2,136

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

How much does Windsor car insurance cost?

Windsor car insurance costs $1,643/year.

Is car insurance cheaper in Windsor than in Toronto?

Yes, generally speaking, car insurance in Windsor is cheaper than in Toronto.

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 can you get cheaper car insurance in Windsor?

Compare car insurance rates in Windsor 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, Windsor, Car Insurance Quotes Collected, 2024.

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

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

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

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

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.

Congratulations! You made it to the end!

Now, here is the easy part: complete your quote in under 2 minutes
Secure. No Spam. No Fees.

Discover More About

Getting your car impounded is frustrating and even worse if you don’t know what you’re doing. Click through for a guide to releasing your impounded car in Canada.
Misconceptions about insurance make it harder for drivers to find the best deals. Click through to learn the truth about today’s most common car insurance myths.
The 2024 Alberta Auto Insurance Reform promises to make premiums more affordable by setting rate caps for good drivers. Click through to learn more.

Even More Ways To Save