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Cheap Car Insurance rates in Ottawa

Great Ottawa Car Insurance!  Ontario auto insurance rates have ranked amongst the highest in all of Canada, with Ottawa being one of the most congested cities in it. As one of the largest cities in all of Canada, as well as being the capital, thousands of drivers are hitting the roads daily. Just like every other city in Ontario, Ottawa drivers must have car insurance. These car policies must include third-party liability, uninsured car coverage, direct compensation property damage, and statutory accident benefits. However, many Ottawa automobile owners choose to add additional coverage to their plans as well for optimal coverage.

What is the average cost of car insurance in Ottawa?

Car insurance rates in Ottawa are lower than the provincial average, especially when drivers choose higher deductibles. Drivers will pay an average of $1,200 a year. They will experience significant savings compared to drivers in other cities, like Mississauga or Toronto.

Why are there lower insurance rates in Ottawa

The reason drivers in Ottawa pay less than drivers in other cities is that Ottawa is considered a less risky place for driving due to fewer cars and commuters. Drivers in Ottawa will be happy to know they pay some of the most affordable car insurance rates in Ontario. The average price of auto insurance is among the lowest in the province. 

Where you live, however, is just one aspect that will help our isure brokers determine the rate of your car insurance premium. When calculating your premium, we will look at other factors, such as your age, driving record, postal code, and insurance history. Your driving habits and how much you drive daily will influence your car insurance rate. For example, if you have driving convictions, you will likely have to pay a higher rate.

We will discuss factors that are unique to your situation and go over every detail to provide you with a clear understanding of your policy breakdown and the way your rate is calculated.

2024 Ottawa Auto Insurance Rates

 

Mandatory Ottawa Car Insurance

Third-Party Liability

Third-Party Liability coverage covers property damage, repairs, and personal injuries caused by your vehicle in an accident. It ensures that costs for damages or injuries to others are covered. A minimum of $200,000 in coverage is required by law.

Accident Benefits

Accident Benefits cover medical expenses if you’re injured in a car accident. This includes rehabilitation, attendant care, and compensation for lost income if you’re unable to work due to your injuries.

Uninsured Motorist

Uninsured Motorist Coverage protects you if you’re in an accident with an uninsured driver. It ensures you are compensated for damages and injuries, providing financial protection and peace of mind when the at-fault party lacks insurance to cover the accident costs.

Optional Ottawa Car Insurance

Collision Coverage

Collision Coverage for car insurance covers damages to your insured vehicle if it collides with another car or a stationary object, like a tree.

Comprehensive Insurance Coverage

Optional Comprehensive Coverage protects your insured vehicle from damages unrelated to motor vehicle collisions, such as fires, natural disasters, theft, and vandalism.

All Perils Coverage

All Perils Coverage bundles Collision and Comprehensive insurance under a single policy, offering complete protection for your car against collisions, theft, natural disasters, and more, ensuring total peace of mind.

Specified Peril Coverage

Specified Perils Coverage covers damages explicitly listed in your policy, such as fire, theft, or vandalism. Anything not specified will not be covered, providing tailored protection against specific risks you want to insure against.

Direct compensation property damage (DCPD)

Direct Compensation Property Damage (DCPD) covers damages to your vehicle from an accident where you’re not at-fault. Your insurer compensates you directly, avoiding delays with the at-fault party’s insurer. As of January 2024, DCPD is now optional, allowing you to opt out of this coverage if preferred.

Best Auto Insurance rates in Ottawa

Ontario auto insurance rates have ranked amongst the highest in all of Canada, with Ottawa being one of the most congested cities in it. As one of the largest cities in all of Canada, as well as being the capital, thousands of drivers are hitting the roads daily. Just like every other city in Ontario, Ottawa drivers must have car insurance. These policies must include third-party liability, uninsured car coverage, direct compensation property damage, and statutory accident benefits. However, many Ottawa automobile owners choose to add additional coverage to their plans as well for optimal coverage.

Our Ottawa Auto Insurance Rates

Driver: 30-Year Old Single Male Driver

Offenses: 1 Traffic Ticket, 1 At-Fault Accident

Discounts Applied: Bundled Insurance (Home & Auto), Telematics, Snow Tires 

Location (Postal Code)

Vehicle

Annual Rate*

Monthly Rate*

K1T 0A1
2015 Honda Civic LX 4dr
$1938$161.50
K2L 0A1
2015 Honda Civic LX 4dr
$1933$161.10
K1W 0A1
2015 Honda Civic LX 4dr
$2020$168.30
K1T 0A1
2014 Nissan Rogue SL AWD
$1969
$164.10
K2L 0A1
2014 Nissan Rogue SL AWD
$1933
$161.08
K1W 0A1
2014 Nissan Rogue SL AWD
$2075
$172.92

Coverages Included: $1 Million Liability, Bodily Injury, Property Damage, Direct Compensation, Standard Accident Benefits, Collision ($500 Collision), Comprehensive ($500 Collision), Uninsured Automobile, Loss of use, Liability of Unowned Vehicle, Family Protection, Coverage assumes second vehicle insured on related policy (This applies just for the married or common-law driver(s))

Driver: 30-Year Old Single Male Driver

Offenses: 2 Traffic Tickets, 2 At-Fault Accidents

Discounts Applied: Winter Tires, Auto Club Membership

Location (Postal Code)

Vehicle

Annual Rate*

Monthly Rate*

K1T 0A1
2015 Honda Civic LX 4dr
$3635$302.92
K2L 0A1
2015 Honda Civic LX 4dr
$3595$299.58
K1W 0A1
2015 Honda Civic LX 4dr
$2744$228.67
K1T 0A1
2014 Nissan Rogue SL AWD
$4127
$343.92
K2L 0A1
2014 Nissan Rogue SL AWD
$3760
$313.33
K1W 0A1
2014 Nissan Rogue SL AWD
$3285
$273.75

Coverages Included: $1 Million Liability, Bodily Injury, Property Damage, Direct Compensation, Standard Accident Benefits, Collision ($500 Collision), Comprehensive ($500 Collision), Uninsured Automobile, Loss of use, Liability of Unowned Vehicle, Family Protection, Coverage assumes second vehicle insured on related policy (This applies just for the married or common-law driver(s))

*DISCLAIMER: These are estimated rates based on rates available as of January 2022. Individual rates may vary. Please speak with an isure broker to get the rate that applies to you.
 

Our Ottawa Auto Insurance Rates for Couples

40 Y.O. Discounts Applied: Multi-Vehicle, Multi-Line, Auto Club Membership, Winter Tire, Conviction Free

60 Y.O. Discounts Applied: Multi-Vehicle, Multi-Line, Auto Club Membership, Winter Tire, Conviction Free, Retiree Discount (pleasure use only), Years Claims Free Discount

 

Location (Postal Code)

40 Year Old Couple Annual Rate*

Monthly Rate*

60 Year Old Retired Couple Annual Rate*

Monthly Rate*

K1T 0A1
$1353/ Year
$657 Honda
$696 Nissan
$114.22/Month
$959/ Year
$470 Honda
$489 Nissan
$80.96/Month
K2L 0A1
$1353/ Year
$657 Honda
$696 Nissan
$114.22/Month
$959/ Year
$470 Honda
$489 Nissan
$80.96/Month
K1W 0A1
$1353/ Year
$657 Honda
$696 Nissan
$114.22/Month
$959/ Year
$470 Honda
$489 Nissan
$80.96/Month

 

Coverages Included: $1 Million Liability, Bodily Injury, Property Damage, Direct Compensation, Standard Accident Benefits, Collision ($500 Collision), Comprehensive ($500 Collision), Uninsured Automobile, Loss of use, Liability of Unowned Vehicle, Family Protection, Coverage assumes second vehicle insured on related policy (This applies just for the married or common-law driver(s))

 

*DISCLAIMER: These are estimated rates based on rates available as of January 2022. Individual rates may vary. Please speak with an isure broker to get the rate that applies to you.

What Factors Affect Ottawa Car Insurance Rates?

Car Insurance by Vehicle Type Ottawa

Vehicle Type

The make, model, and year of your vehicle, frequency of theft, and safety rating are all contributing rate factors. Certain types of vehicles tend to be at a higher risk, as they are shown to be involved in more accidents than others.

Car Insurance Factor - Age and Sex

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 it generally evens out after turning 25 years old.

Ottawa Car Insurance Factors - Distance Traveled

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.

Ottawa Car Insurance Factor - Driving History

Your Driving History

If you have had a lot of traffic tickets (Speeding, Distracted driving) or a major accident in your time, auto insurance will be much more expensive for you when compared to others who are safe drivers and have a clean driving record.

How Can You Lower The Cost of Your Auto Insurance in Ottawa?

Car Insurance by Vehicle Type Ottawa

Anti-Theft Devices

If your car is harder to steal, it makes it less of a risk. Insurers reward drivers with lower premiums for having anti-theft equipment.

car maintenance lights - car traction

Winter Tires

Safety is important, and Ottawa suffers from some of the worst snowstorms in Ontario. Not only is it generally a good idea, but if you happen to travel to Quebec, winter tires are mandatory between December 1st and March 15th inclusive for all motorized road vehicles.

In Ontario, insurers will often give you rate reductions for owning winter tires, as well as for choosing higher deductibles on your car policy.

 
Ottawa Car Insurance Factors - Distance Traveled

Bundling

There are lots of ways bundles can save you money. Whether it’s by insuring more than one vehicle, combining your home and auto insurance, or having multiple drivers at the same residence, you generally have some sort of opportunity to save.

Ottawa Car Insurance Factor - Driving History

Drive Safely

It pays to be safe! Fewer accidents means more money in your pocket! Most minor tickets will be removed from your driving record after three years, and six years without an accident will reduce your rates as well.

Get the leading insurance policies with the best personalized option you deserve.

Why Choose isure As Your
Ottawa Car Insurance Broker?

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.

Save More Money

Insurance brokers are the top solution to lower your insurance rates and save you money. Our Ottawa 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.

Easy To Follow Quotes

Contacting several insurers for rates can be taxing and a nuisance. When you hire an isure Ottawa insurance broker, they handle all of these details, including obtaining quotes from different insurers for you!

We understand that there are a lot of options when it comes to auto insurance. 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). Get the leading insurance policies with the best-personalized option you deserve.

The isure Car Insurance Advantage

At isure, we know how many countless hours you have worked to save up enough money to buy a car, and it’s our mission to help you get the most comprehensive and affordable auto insurance policy in Ottawa.

When you call isure, you will be placed with a personal auto insurance broker who will go through your insurance needs for your home or can help improve your current coverage and discover new discounts.

Your friendly auto insurance broker for Ottawa from isure will provide you with fast and competitive home insurance quotes and will go over them with you to ensure you aren’t surprised by any fine print. Let us focus on finding the best Ottawa car insurance coverage so you have the peace of mind to focus on other things. We will contact over 25 of the largest certified insurers in Ottawa for the best quotes available.

FAQs
About Ottawa Auto Insurance

How Do You Get an Auto Insurance Quote in Ottawa?

You have successfully passed your driving test and you’re ready to hit the road with your brand new license. All you need now is an auto insurance plan that suits you and how you want to drive. It may feel like a daunting task at first as there are so many companies to choose from, with some offering lower prices for coverage than others. Some insurance companies might also offer competitive rates, but how do you know you are getting a quality product from a reputable source?

Look no further, because isure can get you the quote you need from companies you can trust. 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 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 Ottawa?

There are many factors that go into the price of auto insurance. 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.

How Does Ottawa Compare To Other Cities In Ontario?

Ontario is notorious for having the highest auto insurance rates in Canada, but compared to other cities in the province, Ottawa is among the lowest. Other low auto interest rate cities include Kingston, Pembroke, Brockville, and Cornwall.

On the opposite side of the spectrum, the most expensive cities for auto insurance include Brampton, Toronto, Mississauga, and Scarborough.

With a professional insurance broker from isure by your side, we can help you find the best insurance rates for your needs.

Student Drivers In Ottawa

If you are a student or new driver in Ottawa, you can expect to pay a bit more for your auto insurance. Out of all demographics in Canada, teenagers and young adults pay the highest insurance premiums. The highest premium amount will start at age 16, then gradually go down until you reach your late 20’s or early 30’s. However, there are a few things a young person can do to pay less for their auto insurance:

  • A student in high school or a post-secondary institution may receive a discount if they maintain a certain GPA.
  • If possible, remain as a second driver on your parents’ vehicle as this will lower the insurance rates.
  • Taking and passing a certified driver’s education course may help you get a lower insurance rate.

Look no further, because isure can get you the quote you need from companies you can trust. 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 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.

Which Ottawa postal code has the highest premiums?

In Ontario, the average insurance rate sits at around $1,500 per year. However, that average increases when you get to Ottawa. The average auto insurance premium in Ottawa sits much higher at around $1,900/year. Once again, that rate is higher when you enter postal codes like K1T (the Blossom Park neighbourhood) which houses some of the most expensive car insurance policies in Ottawa. 

Which Ottawa postal code has the lowest average premiums?

Despite the high auto insurance costs, Ottawa’s K1B postal code has an average rate much lower than the city’s average at $1,460/year, a number much closer to the provincial average. 

Car insurance for high-risk drivers in Ottawa

You may be considered a high-risk driver if you have a number of driving infractions or have ever had your licence suspended. You may also be considered high-risk if you’ve gotten into more than one accident within a few years. Finding car insurance as a high-risk driver may be a more challenging task than others. Many typical insurance companies are wary of insuring high-risk drivers, but not isure! We are your brokerage that specializes in high-risk driving insurance, offering each driver a variety of policy options and rates from leading providers. 

What do I need my Ottawa insurance policy to cover?

As with any Ontarian insurance policy, your policy should cover accidents, liability, and theft. Accident coverage will cover repairs and damage costs if you get into an accident. Liability coverage can cover or subsidize the personal injury costs of anyone involved in an accident. Finally, if your car were to get stolen, your insurance can cover investigation and replacement costs. 

How does a traffic ticket affect my Ottawa auto insurance rates?

Yes, however, you might not see it right away. A paid traffic ticket on your driving record can have an effect on your car insurance rate the next time you renew your auto insurance. 

For more information, please check out this blog we created discussing speeding tickets and their effect on your Auto insurance.

Ottawa Collision Reporting and Claims Process

In Ottawa, Ontario, there are over 2,500 reported collisions each year. It is important to acknowledge the risk of an accident as a driver and to be prepared, just in case. This is isure’s procedure guide following Ottawa collisions: 

1. Safety first

Accidents can range from minor to fatal. To manage the severity of injuries, call for medical help, even if injuries are minor. You should make sure no one involved was hurt before you proceed with any of the next steps. 

 

2. Take pictures and notes

Photos and notes are the best way to record information following a car accident. You need to note and photograph quite a bit of information, so we’ve made it easy for you by outlining exactly what you need:

  • Take pictures of all damages to both your car and the other person’s car. Making sure you have all the photos is important in preventing insurance fraud and ensuring you get the right compensation. Make note of license plates, car makes, years and models. 
  • Take a picture or note the other driver’s license number, plate number, their name and address. A quick way to do this is by asking to take a picture of their license. Exchange contact information and make sure there is a line of contact between you and the other driver for future communications. 
  • Insurance is the next item to take account of. Take a photo of the other car’s insurance slip as a way to communicate with the other party should other means of communication fail. 
  • Finally note the location, weather, and road conditions. Each of these are important to your specific accident, but may also serve as a warning to the city for other potential accidents. 
3. Collision centre reporting

Once you have completed the on-scene work, it’s time to call a tow truck for your car and a taxi to a collision centre. Driving your vehicle following an accident is dangerous to both you and other drivers on the road. Avoid even more issues by calling a tow truck to the mechanic. You, on the other hand, need to get to a collision reporting centre to report your accident and get on with the insurance process. In Ottawa, there are three main collision centres you can visit; one in the west, one downtown, and one in the east. 

West: 211 Huntmar Drive, Kanata 

Downtown: 474 Elgin Street 

East: 3343 St. Joseph Boulevard, Orleans 

https://www.ottawapolice.ca/en/news-and-community/Collision-Reporting-Centres.aspx 

Hours for each location: Seven days a week from 8 am to 6 pm 

4. When to involve police

Finally, to determine if the police need to be involved, total up the cost of damages for the entire accident. If the damages exceed $2000, you must involve the police, by law. Sometimes it’s easy to tell when police need to be called on the scene, but other times, you may need a mechanic’s estimate. 

What an insurance claim may cover 

Claim coverage will depend on who’s at-fault for the accident in most cases. The at-fault party will also determine if, and how much, your insurance policy will increase by. Whether or not you have a deductible will also determine the coverage costs. Typical coverage includes repair costs for your vehicle, as well as rental car costs. 

Save when you bundle your home and auto insurance

Lower your insurance rate and save money

Facts And Myths about ottawa car insurance

Facts

Ottawa is home to one of the best transit services in Ontario, which has its own BRT system to cut down on bus traffic on the roads.

Even though the population of Ottawa continues to grow year after year, the roads in the city are some of the safest in the entire country. Their traffic injuries and fatalities have decreased over the past 30 years because the government has done a great job with the upkeep and safety of the roads.

Your postal code will affect your premium. Some areas are simply more prone to receiving claims than others. North York carries one of the heaviest costs of insurance in Ontario, whereas Ottawa comes much lower on the list, with almost half the average premium.

No-fault insurance only protects you when you’re not at fault. Just because you have this attached to your insurance doesn’t mean you’re scot-free for everything. It simply means that your insurance will cover the costs of your damages if you’re not at fault and will not raise your premiums.

Myths

Many people assume that because Canadian cities receive a lot of snow during the winter, it means that there are more accidents on the road. In 2018, only 8.6% of all accidents in Ottawa were caused by snowy conditions.

Going along with the snow theme, many people think that having all-season tires are better than having a set of winter tires and a set of summer tires. Since the winter can get harsh in Ottawa, all-season tires may not be a safe option for your vehicle. Getting winter tires is the best option, and they can help you save on your auto insurance rates as well.

The colour of your car will affect your premium. While as many as 1 in 5 Canadians believe this to be true, it actually has no bearing on your premium. The myth is believed to have originated because expensive cars like Ferrari and Lamborghini come in red and yellow varieties more often, and those naturally carry higher premiums because of their make, model, and year, not because of their colour!

Parking tickets increase your premiums. Auto insurance mostly only cares about the potential for your car to be damaged, and a stationary car (however illegally parked) is very unlikely to cause a claim. A speeding ticket, on the other hand, is a direct reflection of your driving habits and will be taken into consideration when determining your premium.

Average Auto Insurance Premiums by Ottawa Neighbourhoods

 

Reportable Collisions in Ottawa by Month 

 
Reportable Collisions in Ottawa

Source: 2019 Annual Ottawa Safety Report

Most Collisions in Ottawa by Intersection

 

CAA Worst Roads in Ottawa 2019

 

Not sure where and how to start?

isure experts are here to HELP you.

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