Cheap Ottawa Car Insurance Quotes

You are a complex organism, one-of-a-kind, impossible to replicate, nobody can put you in a box! Car insurance companies completely agree, and for this reason, your insurance rate will be unique too, factoring in your address, your annual mileage, your vehicle, even your favourite Sens player. Okay, not that last one, but the point is, every driver is different. Accurately predicting car insurance rates is impossible without first answering a few questions about your driving history.

Our service is free, the quotes we show you are accurate, and if you don’t find a price that you like, there is no obligation to buy. Try it out for yourself!

Auto insurance works the same in Ottawa as it does in the rest of Ontario. All car owners must have car insurance, and insurance policies must include Third-Party Liability, Direct Compensation Property Damage, Statutory Accident Benefits and Uninsured Automobile Coverage.

Most Ontario drivers enhance this coverage by adding optional extras, like Collision and Comprehensive.

In the event of a car accident, Ontario has a “no fault” car insurance system, which means you make a claim through your own insurance provider, regardless of who is at fault.

Insurance companies propose rate changes on a quarterly basis, and they get approved or denied by the Financial Services Regulatory Authority of Ontario (FSRA).

This is a high level summary, take a look at our Ontario page for more information about car insurance in Ontario.

Ottawa is a bit of an anomaly, being a major city and yet home to some of the safest roads in Canada. This flies in the face the statistical trends we see in the rest of Canada, which link urban density and larger populations with more car accidents. Ottawa has more than half a million drivers, and yet traffic within the city is relatively light. The suburbs see significant congestions during weekday rush hour, but collision rates remain low in comparison.

According to the most recent Road Safety Report commissioned by the City of Ottawa, Ottawa has averaged 27 fatal collisions per year for the last five years, or 2.89 fatalities per 100,000 population. While far from perfect, it is significantly lower than the provincial average of 4.1 per 100,000, and the national average of 5 per 100,000 (Government of Canada, Canadian Motor Vehicle Traffic Collision Statistics: 2017).

Car insurance companies also consider the likelihood of your car getting stolen when determining auto insurance rates, with high crime linked to high insurance rates. While police reports show that auto theft does appear to be creeping up, Ottawa still fares well in comparison with other large Canadian cities.

There is some bad news. The municipal transit service, OC Transpo, has had more on-board collision fatalities in the last 10 years than the transit services of Toronto, Montreal, Vancouver, Calgary, Edmonton and Winnipeg combined. However, OC Transpo officials have responded by limiting speeds and reducing passenger capacity on their buses, and it remains statistically safer than driving yourself.

Overall, Ottawa is one of the safest major cities in the world for driving. If you’re not seeing this reflected in your auto insurance premiums, it’s time to compare rates.

Safer roads mean lower insurance rates right? Right! Individual rates vary wildly, but the average Ottawa driver pays around $1,100 per year. This compares very favourably with the rest of Ontario, which according to the Insurance Bureau of Canada, pays $1,445 each year on average; and even better than in Toronto, where drivers have to stump up about $2,000 for their annual car insurance.

All of this is good news for Ottawa’s drivers, but make sure you are getting the best possible price by comparing quotes on RATESDOTCA.

Naturally, this depends on how much you are currently paying, but we work with Canada’s best car insurance providers to find you the best available deals. We ask a few simple questions about your driving history, and then show you the best rates in one place, so you can make an informed decision without having to waste hours calling all of the individual companies for quotes.

Last year, Ottawa drivers who compared quotes on RATESDOTCA saved an average of $298.76.* Just think of how many BeaverTails you could buy with that!

* Savings are calculated by deducting the lowest available quote from the second-lowest available quote. In 2018 the average savings for Ottawa drivers was $298.76.