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Ontario auto insurance rates have ranked amongst the highest in all of Canada. As London is home to Western University, one of the largest universities in Ontario, there are a lot of student drivers going to and from campuses throughout the school year. Since younger people are generally less experienced with driving, they are sometimes subjected to higher auto insurance rates.

It’s the law for London drivers to have car insurance. These auto insurance policies must include uninsured car coverage, third-party liability, direct compensation property damage, and statutory accident benefits. However, many London drivers choose to add additional coverage to their plans as well for optimal coverage.

Mandatory car insurance in London, Ontario

By law, all drivers in Ontario are required to have auto insurance. This is a must, and there are a few specific coverages you need to have on your policy in order to drive in the city of London. Mandatory coverage includes:


1. Auto Liability insurance

This helps you pay for other drivers’ property and bodily injuries if you are found at-fault in an accident. This type of coverage may also help you pay for any legal fees you may incur as a result of an accident. 

2. Accident Benefits Coverage

Anyone involved in the accident may require medical attention, and accident benefits coverage will cover these costs for yourself, your passengers, pedestrians or the drivers and passengers in another car. 

3. Direct Compensation for Property Damage

If your car is damaged in an accident where you are not at-fault, direct compensation will take effect. You will contact your insurance provider or isure broker directly to receive compensation following your claim. 

4. Uninsured Automobile Coverage

Car insurance is mandatory in London, Ontario, yet some people still drive without it. This is both careless and dangerous, but what happens if you are involved in an accident with someone who doesn’t have insurance? Uninsured automobile coverage will protect you. 


London: Optional Car Insurance

Car insurance is mandatory for drivers in London, Ontario. However, there are different coverage types, and some are optional. Here at isure, we present you with optional coverage choices if you are interested in additional protection. This may include:


1. Collision insurance

This type of insurance will cover you if your vehicle is damaged in a crash, regardless of whether you crash into another car or a stationary object like a tree, for example. You will be protected against damages sustained in a collision. 

2. Comprehensive insurance

This type of insurance will protect against losses a driver may incur due to events unrelated to driving. Theft, vandalism, environmental damage from floods or damage from an attempted burglary are examples of such losses. 

3. Emergency Roadside Assistance

You will have coverage for roadside emergencies, such as dead batteries, flat tires, towing or an empty gas tank, to name a few examples. 

4. Specified Perils

This will provide you with coverage for any financial losses from specific risks named in your policy. Examples of risks include fire, theft, explosions, damage from hail or lightning and riots. 

5. All Perils

This type of coverage combines both collision and comprehensive coverage, and includes additional protection in the event that a member of your household takes your vehicle. 


Our brokers here at isure will also discuss Optional Policy Change Forms, which refer to coverage enhancements. Drivers in London can consider the following common Ontario endorsements:



OPCF 20: This would cover the fee of a rental car while yours is being repaired or replaced.


OPCF 27: This can transfer your existing insurance to a rental car or a vehicle you borrow.


OPCF 39: This would provide you with forgiveness from your insurer for your first accident claim, preventing your insurance rate from being impacted.


OPCF 43: This will remove depreciation in calculating the value of your car when you settle a claim.


OPCF 49: This gives you the ability to opt out of Direct Compensation Property Damage (DCPD) Premiums.


OPCF 28A: This will intentionally remove specific high-risk drivers in your household from receiving your coverage to help lower premiums


OPCF 44R: This protects you in the event where you’re dealing with an at-fault uninsured or inadequately insured driver.

OPCF 16 & 17

OPCF 16 & 17: These two forms allow you to suspend your car insurance coverage and then reninstate it when you need it.

The isure insurance Advantage

isure hires only the best and most reputable London insurance brokers to get you the best quotes. Experience the isure insurance broker advantage:


We are Fully Licensed

We are registered under the Registered Insurance Brokers of Ontario (RIBO) to ensure your safety and that you are in good hands.


Gain Unbiased Advice

We guarantee honest, unbiased advice about the insurance quotes we obtain for you and all details that accompany it. We will always search and locate the coverage that is best suited to your needs.


Access to the Best Insurance Providers

We have access to all of the best, well-respected insurance providers in all of Canada for you!


Your Needs are our Top Priority

We are real insurance brokers helping real, amazing London citizens. Each of our clients are assigned to a dedicated insurance broker that advocates for their needs when dealing with insurance providers. We handle all claims, quotes, inquiries, updates and more.


We Work, You Save

You can save hundreds of dollars on insurance when you work with our London insurance brokers. You can discuss your insurance needs with us and we’ll find the perfect coverage options and rates.


We Have Coverage For All Your Insurance Needs

Our insurance brokers get London residents quotes for home, commercial, auto, life, travel, and more.

Why Trust isure as your London Insurance Broker?

If you live in London, there are a number of reasons why you need to contact an isure insurance broker. Here are some of the many advantages you will see when you work with us:

Allows you to save more money: If you want to lower your insurance rate and save money, Insurance brokers are the top solution. Our London insurance brokers have access to several insurance providers, premiums, coverage types and they will help you find the most affordable quotes for you based on the information you provide.

Our licenced insurance professionals always provide valuable information: Navigating insurance can be extremely difficult if you have little to no experience. Hiring a licensed, knowledgeable, and experienced insurance broker can provide you with all of the important guidance you need to make the right insurance decisions.

Quotes that are easy to follow: If you try to find the best auto insurance quote by yourself, you will need to contact several insurers, which will take a lot of time out of your already busy schedule. When you hire an isure London insurance broker, they handle all of these details, including obtaining and comparing quotes from different insurers for you!

isure and London Auto Insurance

When it comes to auto insurance in London, you are in the driver’s seat with isure insurance riding along with you! Our professional insurance brokers provide the most affordable auto insurance rates you will find in London. Our promise to you is to provide knowledgeable and transparent insurance expertise every time you call us or when you get a quote online. We shop for the best auto insurance rates available for you to ensure you obtain insurance you can count on. As Ontario’s leading car insurance broker, our auto insurance rates in London can provide you with high-quality coverage, convenience, and personalized service that exceeds your expectations.

Why Choose isure As Your London Auto Insurance Broker?

We understand that there are a lot of options when it comes to auto insurance in London. Sometimes getting a quote from a company can feel like an obligation, rather than what it’s supposed to be: information to help you make an informed decision. This is one of the greatest reasons to use an insurance broker, as they have a suite of trusted insurers they work with to find you the best rate for your auto insurance. Their advice is independent of the companies they represent, and are professionally regulated by the Registered Insurance Brokers of Ontario (RIBO).

When selecting your broker, isure stands out for a reason. Have a look at the chart below to see what makes isure a broker of choice.

We stand by our isure pledge to ensure you receive the care you deserve, because we know you’re not just another number in the system. We work with a large suite of approved insurance providers to give you the best opportunity at finding your lowest quote with a brand you can trust.
When you choose isure, you are choosing the broker that puts you first. See why more people place their trust in isure every day and talk with one of our dedicated insurance professionals today.

How To Get An Auto Insurance Quote In London?

Working with a suite of quality insurers, isure will do the work of gathering quotes from each company to find the lowest cost for the plan that suits your needs. We work by the isure pledge to ensure that you are always taken care of, and that we work with your best interests in mind. Our dedicated insurance consultants in London will find you the best choice, and will only recommend moving you to another insurer if it works for you.

Finding the right insurance doesn’t have to be difficult. See how the isure difference can help you keep your driving peace of mind.

How Much Should I Expect to Pay For Auto Insurance in London?

There are many factors that go into the price of auto insurance in London. Your quote can fluctuate depending on if you require high risk insurance, or you can have a lower quote if you practice safe driving or if you bundle your policy, for example. Go-telematics is also an option for great drivers as it tracks how you drive (speed, braking, cornering, etc.) to determine your rate.

London, Ontario driving tips:

– Try to avoid all major streets during rush hour, as there is significant traffic during these times. It will take you longer than usual to get to your desired destination, so give yourself ample travel time. Wellington, Oxford, Wonderland and Fanshawe experience a lot of traffic during rush hour.

– Be conscious of one-way streets in the downtown area, as there are several of them. As a result, you must be aware when turning left or right.

– Railway crossings can delay traffic quite a bit. You should try to avoid them by choosing a route with a bridge over the tracks.

– If you need to drive across the south end of the city, use Highway 402.

– Reduce your speed in subdivisions, and watch for red light cameras and roundabouts.

– Watch for students from both Western University and Fanshawe College.

We care about our clients and will always provide you with important information to help you become a safer driver. Safe driving habits will also allow you to reap the benefits of affordable car insurance rates. We will discuss the type of car insurance required in London, as some are mandatory. You will have access to the best coverage when you speak to one of our friendly and knowledgeable brokers.

FAQs About London Auto Insurance

Is it possible to lower the cost of your car insurance in London?

Install Anti-theft Devices: Any tools or equipment that prevents theft or vandalism to your vehicle can lower your insurance premium.

Purchase and Use Winter Tires: The winters in London can be relentless, especially when you need to drive to school or work in the snow every day! Not only is it vital for your safety to have winter tires installed during the snowy months, but you are often eligible for discounts on insurance premiums when your car has winter tires.

What are the factors that affect auto insurance in London?

Type of Vehicle: The year, make and model of your vehicle will be used by auto insurance companies when they calculate the premium.

How You Use The Vehicle: The way you drive your vehicle, how often and your driving habits can all play a role in your insurance rate.

Your Postal Code: The more populated, urban areas in London often have a higher claim rate than rural parts. Urban residents can likely expect to pay a higher premium based on their postal code.

Your Age And Sex: It generally follows that older people have had more years of opportunity to learn proper driving habits. Men under 25 are also statistically more prone to crashes than women of the same age, and generally receive higher premiums, but generally evens out after turning 25 years old.

Your Vehicle: Aside from the make, model, and year of your vehicle, frequency of theft and safety rating. Certain types of vehicles tend to be a higher risk, as they are shown to be involved in more accidents than others.

Distance Travelled: The more you’re on the road, the more likely you are to get in an accident. Those who drive more will pay more than those who commute less often.

Your Driving History: If you have had a lot of traffic tickets or major accidents in your time, auto insurance will be much more expensive for you when compared to others with a clean driving record.

What type of car insurance do I need in London?

As a driver, you need an auto insurance policy that covers both liability and physical damages. If you are found to be at-fault in an accident (especially one where another person is injured), liability coverage can pay for any legal fees as well as medical compensation. Damage coverage helps pay for repair and replacement costs of your vehicle, as well as other physical property costs. As a driver, you need to ensure that you keep your policy updated because if you are driving outside your policy limits, your coverage claim may be denied. 

What are the neighbourhoods in London?

London, Ontario has over 70 different neighbourhoods, each having their own average auto insurance rates. Here are a few of the most populated neighbourhoods in London, Ontario: 

  • Glanworth 
    • Located in southeast London 
    • Major intersection – Glanworth and Highbury 
  • Westmount 
    • Located in west London 
    • Major intersection – Commissioners and Wonderland 
    • Landmarks – Reservoir Park, Westmount Lions Park 
  • Downtown 
    • Located in central London 
    • Major intersection – Horton and Wellington 
  • Medway 
    • Located in north London 
    • Major intersection – Sarnia and Wonderland 
    • Landmarks – Western University 
  • Huron Heights 
    • Located in northeast London 
    • Major intersection – Huron and Highbury 
    • Landmarks – Fanshawe College 
  • Lambeth 
    • Located in southwest London 
    • Major intersection – Main and Colonel Talbot 
  • Hamilton Rd 
    • Located in central/east London 
    • Major intersection – Hamilton and Highbury 
    • Landmarks – Vauxhall Park 
  • Westminster 
    • Located just south of central London 
    • Major intersection – Southdale and Adelaide 
    • Landmarks – Westminster Ponds 
  • Airport 
    • Located in northeast London 
    • Major intersection – Oxford and Veterans Memorial Pkwy 
    • Landmarks – London International Airport 
  • Carling 
    • Located just north of downtown London 
    • Major intersection – Oxford and Quebec 

Which London postal code has the most expensive auto insurance premiums?

Auto insurance rates are extremely personal, heavily based on many specific traits and driving habits. Although, some of the most expensive auto insurance premiums belong to drivers in the N5Y postal code (Carling and Huron Heights). You can lower your auto insurance by bundling both home and auto with isure! 

Which London postal code has the cheapest auto insurance premiums?

The northwest region of London is home not only to the Masonville mall, but also residents with the lowest insurance premiums. Based on statistics, the residents in this region are less likely to file an insurance claim compared to other regions. 

What factors determine my car insurance quotes in London?

Your monthly insurance cost is determined by a complex number of considerations. The more likely you are statistically to file an insurance claim, the higher your insurance rate will be. Check out these common factors that determine the amount of your insurance quote: 

  • Age: If you are a younger, more inexperienced driver, you will likely have a higher insurance rate. Combat this by taking a driving course and obtaining your full G license.  
  • Driving history: How is your driving record? Expect higher insurance rates if you are a driver who has traffic violation tickets or accident history.  
  • How often you drive: If you spend a lot of time driving on the roads, you are probably more likely to be involved in an accident than an occasional driver. Make sure you update your policy based on how much you drive to ensure your claim is not denied.  

Will London auto insurance premiums increase?

There is no way to tell when or if London auto insurance premiums will increase or not. You can do your part in keeping your own cost low by driving carefully, maintaining a great driving record, paying your insurance on time, and taking advantage of offered discounts.

Does owning your own vehicle lower your insurance premiums?

Not quite. When you own your vehicle, your insurance rate won’t change. That being said, owning your car as opposed to renting may free you up to other insurance options, some of which could be cheaper.

To get started with your London auto insurance, get a quote with isure today! We shop rates from over 25 different providers. Once we gather the number of rates, you are able to choose the rate which best suits your driving needs.  

London Collision Reporting and Claims Process

Car accidents happen each and every day. Each accident is unique and may vary in severity. There is a uniform set of steps that are to be followed after an accident. isure has put together a comprehensive guide for London residents to refer to following a car accident: 

1. Check for injuries

Any accident, no matter how big, can cause an injury. Sometimes, a slight fender-bender can cause injuries more serious than large accidents. If anyone involved in the crash is injured, your number one priority is to make sure they get the medical attention they need. Once you deal with any medical emergencies, you can proceed to the next step in accident management.  


2. Take pictures, and lots of them!

Photograph all damages that were a result of the accident. The more photos you take, the better your experience will be at a collision centre and with your insurance company. Here are the four things you need to take photos of: 

  • Damage 

Take pictures of your car, as well as the other driver’s car. Be sure to include different angles, their license plate and all damage, including minor scratches. 

  • Other driver’s license 

Taking a picture of the other driver’s license is a way to secure their name, as well as their license number and address. This is a good time to get their contact information to talk about sorting out any issues that may follow the accident. 

  • Other driver’s insurance 

Taking note of the other drivers insurance ensures that you have a way to contact them in case they go MIA. This step will also make communication between insurance agencies much smoother. Finally, it also certifies that the other driver is actually insured. 

  • Note the location and weather 

Take a photo to display the location that the accident took place. Logging this kind of information could illuminate any common hazards so that the city can correct them. Taking note of the weather is also important when filing insurance claims, just in case the issue makes its way to court. 

3. Collision reporting centre

Armed with photos and information, you can now head down to the local collision centre to report the accident. At the collision centre, they will take note of all the important information so that they can then call your insurance company. 


Telephone: 519-659-4300 

Fax: 519-659-1592 

Email: [email protected] 

Hours: COVID-19 HOURS: Monday to Friday: 9:00am to 9:00pm, Saturday & Sundays: 11:00am to 7:00pm  

Please note: It is not a good idea to drive a car that was just in an accident to the collision centre. Instead, call a friend or Uber for a ride and a tow truck for your car. You can ask your tow truck driver to take the car to a mechanic or your home. 

4. Note damage total

After getting your car checked out by a mechanic, you can determine repair costs. You want to determine the repair costs within 24 hours for two reasons. The first is for your insurance companyso that your claim can be filed and the car can be repaired faster. The second is so that the authorities are contacted if the damage is over $2,000. 

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