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Get the Cheapest Car Insurance Rates in Windsor

Out of all the provinces in Canada, Ontario auto insurance rates have ranked amongst the highest. As Windsor is close to the American border, many residents work in and visit Detroit frequently. Windsor is also the third largest city in Southwestern Ontario, after Kitchener and London.

Just like every other city in Ontario, it’s the law for Windsor drivers to have car insurance. These policies must include third-party liability, uninsured car coverage, direct compensation property damage, and statutory accident benefits.

What is the average cost of car insurance in Windsor?

The average annual car insurance premium in Windsor is around $1,400, which is lower than the provincial average. Note that this rate is not the same among drivers, and many different factors will affect your average car insurance rate.

Mandatory Car Insurance Coverage in Windsor

Third-Party Liability

Third-party liability coverage in Windsor covers damages to people (including death) and property as a result of a motor vehicle accident where you’re found at-fault. This essential protection ensures that costs for injuries and property damage to others are covered. A minimum of $200,000 in third-party liability coverage is required on your insurance policy.

Accident Benefits

Accident Benefits coverage in Windsor covers medical expenses if you or your passengers are injured in a car accident. It includes rehabilitation, physical therapy, and compensation for lost income if you can no longer work, ensuring comprehensive support and financial assistance during recovery.

Uninsured Motorist

Uninsured Motorist Coverage in Windsor protects you if involved in an accident with an uninsured motorist. Your insurer covers damages, including bodily injury, property damage, and loss of income, ensuring you’re financially protected despite the other party’s lack of insurance.

Optional Car Insurance Coverage in Windsor

Collision Coverage

Collision coverage in Windsor is optional car insurance that covers damages to your vehicle in collisions with other vehicles or stationary objects like mailboxes.

Comprehensive Insurance Coverage

Comprehensive coverage is an optional insurance coverage that protects your car from non-collision perils such as fire, floods, lightning, theft, or vandalism.

All Perils Coverage

All Perils coverage combines Collision and Comprehensive insurance under one policy, providing comprehensive protection against a wide range of perils. This optional coverage ensures full coverage for your vehicle.

Specified Peril Coverage

Specified Perils coverage is optional and allows you to select specific risks you want coverage for, including those in Collision and Comprehensive policies. Perils not listed are not covered.

Direct Compensation Property Damage (DCPD)

Direct Compensation Property Damage (DCPD) covers damages resulting from an accident where you’re not at fault. As of January 2024, this coverage is optional, allowing you to opt out and save on car insurance costs.

Windsor Car Insurance Rates

The isure Insurance Advantage

isure hires only the best and most reputable Windsor 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 Windsor 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 Windsor 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 Windsor residents quotes for home, commercial, auto, life, travel, and more.

Why Trust isure As Your Windsor Car Insurance Broker?

If you live in Windsor, 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 Windsor 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 Windsor insurance broker, they handle all of these details, including obtaining and comparing quotes from different insurers for you!


When it comes to auto insurance in Windsor, 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 Windsor. 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 Windsor can provide you with high-quality coverage, convenience, and personalized service that exceeds your expectations.

How To Get An Auto Insurance Quote In Windsor?

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 Windsor 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 Windsor?

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


We understand that there are a lot of options when it comes to auto insurance in Windsor. 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.

About Windsor Auto Insurance

What factors affect auto insurance in Windsor?

Vehicle Type: The year, make and model of your vehicle will be considered by auto insurance companies when calculating the premium.
Vehicle Use: The way you drive your vehicle, how often and your driving habits can all play a role in the insurance rate you will pay.

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

The Driver’s Age: Drivers with more experience on the road often pay much lower auto insurance premiums than newer and younger drivers.

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.

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.

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.

How can you lower the cost of your car insurance in Windsor?

Anti-theft Devices: Any equipment or tools that can help prevent theft to your vehicle can lower your insurance premium.
Winter Tires: The winters in Windsor can be relentless, especially when you need to drive in the snow every day! Not only is it imperative for your safety to have winter tires installed in the winter months, but you are often eligible for discounts on insurance premiums when your car has winter tires.

Windsor Collision Reporting and Claims Process

The process of reporting an accident can potentially be complicated, but isure hopes to change that with our straightforward guide to accident management and reporting. We have seen a fair number of accidents, and hope that by sharing our expertise, we can minimize your stress when it comes to reporting in Windsor.
1. Make sure everyone is safe
When anyone gets into an accident, the very first priority is to make sure everyone is healthy and okay. Accidents can have life-long impacts on a person’s abilities, both mentally and physically. Damage may be reduced by seeking medical attention as soon as possible. Call 911 immediately if there are suspected or obvious injuries.
2. Take pictures

Pictures are a good way to capture indescribable information. During the aftermath of accidents, it can be hard to accurately describe the scene without help from images. In particular, there are four things you should take pictures of following an accident: 

  • Damages 

Take pictures of any and all damages that happen to any of the vehicles involved. By taking pictures, you document an unbiased record of the accident’s aftermath. Sometimes, a series of images provides clarity where the truth was foggy, so take as many pictures as you can, both close up and from a distance. 

  • License 

The front of a driver’s license provides a lot of the information you need when it comes to filing a report. You can also use this time to ask for a solid contact number for future communication, if necessary. 

  • Insurance 

Taking a photo of the other driver’s insurance information is a great way to efficiently exchange the needed information for filing. On the insurance slip, you have the name of the provider and their policy number, along with the make, year, and model of their car. 

  • Conditions 

You can record the conditions that contributed to the accident, like weather, location, time, and date that the accident took place. 

3. When to report
You need to report any accident that resulted in over $2,000 of damage to the police within 24 hours via a collision centre. You will also need to report any accident that you want to have covered by insurance, even if the damage is below $2,000. In Windsor, there is only one collision centre, and it’s open from Monday to Friday (details below). You will need to file a report as soon as you can after the accident.
4. How and where to report

To get to the collision centre, take either a taxi or have a friend drive you. Driving after an accident is not recommended, and can result in even more damage to the car or even another accident if there are invisible problems. At the collision centre, you will fill out an accident report sheet, which is then sent to the insurance companies so you can file a claim and receive funds for your repairs. 

2696 Jefferson Blvd, Windsor, ON N8T 3C7 

(519) 944-6261 

Hours: Monday – Friday 9 am – 5 pm 

What does insurance cover?

Insurance coverage depends on the policy and the policy provider. Some providers only cover the cost of repairs and replacements, while others offer a complete policy with coverage from repairs to taxis to tows and car rentals. The other factor that determines what you will pay is whether or not you have a deductible. A deductible is an amount you pay if you get into an accident, no matter what the cost is if you get into an accident.

Get a Windsor Auto Insurance Quote Online


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