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Compare Auto Insurance Quotes from Top Ottawa Insurance Brokers

Get the cheapest deals on auto insurance in Ottawa.

Compare Ottawa car insurance quotes from top providers

CAA
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Economical
Travellers
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Written By Joel Kranc

Contributing writer

Updated

About Ottawa auto insurance brokers

Insurance brokers in Ottawa, and Ontario as a whole, are as much a part of the auto insurance ecosystem as the policy or insurance companies themselves. Brokers work for you, the consumer, providing you research and quotes from a variety of insurance companies. This is one of several crucial qualities that distinguishes them from insurance agents. If you’d like to learn about other differences between the two, read on.

What is an auto insurance broker?

An auto insurance broker is someone who represents multiple insurance companies. They work with you to provide research and information about each company. In addition, they can tell you which company will offer the best rates/quotes for your specific circumstances.

Because they act as independents, brokers offer mostly neutral or unbiased information, while being paid by the insurance companies they represent. The fee or commission they are paid is based on a percentage of the policy premium you purchase. There is usually no extra cost to you for working with an auto insurance broker.

Auto insurance brokers vs. insurance agent

While both brokers and agents sell insurance, they are decidedly not the same. That’s why before contacting one or the other, you should first learn how they differ.

What is an auto insurance agent?

Insurance brokers work with multiple companies and can offer a variety of products to choose from. Insurance agents, on the other hand, represent only one company. 

There are no choices in the products or services they offer, and any information provided would be biased towards the company they represent. There is no opportunity to comparison shop with agents. 

That said, since you are dealing directly with the auto insurance company, there may be an opportunity to save money. Administrative or other costs can be handed down to you, theoretically, especially if it means that the agent can close the sale.

Insurance agents are paid either with a base salary and commission combination, or a straight commission from the policies they sell.

How can an auto insurance broker help me find the best car insurance rate in Ottawa?

Having the ability to comparison shop is a great way to save on auto insurance in Ottawa. Thanks to an auto insurance broker, that’s exactly what you can do.

An auto insurance broker will do all the legwork and research for you and present you with quotes from several different insurance providers, so you can choose one that suits you. They can also help you find the right company based on your specific driving needs and ensure that their selection is unbiased and untied to any particular insurance provider

Insurance broker vs. insurance agent vs. insurance comparison website

Now that you know the difference between auto insurance brokers and agents, it’s time to compare the two side by side to quote comparison websites.

Broker Agent Comparison website
Is independent and represents multiple insurance companies. Represents only one company that they work for directly. Aggregates and compares the cheapest insurance rates from the top providers in your area.
Pay is a commission or fee, usually based on the annual premium of your policy. Can receive a base salary and commission or just a commission, depending on their employer. Comparison sites are paid by insurance partners after connecting you with them through their online portal.
Works for the customer. Works for the insurance provider. Works for you and connects you to a broker who can discuss your specific needs during the comparison process.
Brokers help save you money by representing a variety of insurance companies and offering you rates from them. Agents sell auto insurance from one provider. They do not offer research or comparisons to other companies. Comparison sites help save you money by comparing rates from several insurance companies in their partner network. RATESDOTCA, for instance, has more than 50 partners.

How can an auto insurance comparison website help me find the best car insurance quote in Ottawa?

Having choice and variety is a great way to find cheap auto insurance rates. Comparison sites like RATESDOTCA offer you just that. 

By inputting a few details about your insurance needs, location and vehicle, you can pull up the cheapest auto insurance rates from insurers in your area in just a couple of seconds. RATEDOTCA, for instance, compares quotes from over 50 top auto insurance providers in Canada to give you as much choice and flexibility as you need. They do all the work while you sit back and receive all the rewards (for free).

Recent auto insurance quotes in Ottawa

Recent Auto Insurance Quote from OTTAWA, ONTARIO
Female, Age 20
2012 FIAT 500 ABARTH 2DR
May 17, 2024
Cheapest Quote
$ 175 / month
$2,101 / year
Average Quote
$ 221 / month
$2,656 / year
Savings
$ 46 / month
$555 / year
or
20.90 %
Recent Auto Insurance Quote from OTTAWA, ONTARIO
Female, Age 22
2013 HYUNDAI ELANTRA GLS 4DR
May 17, 2024
Cheapest Quote
$ 177 / month
$2,121 / year
Average Quote
$ 235 / month
$2,814 / year
Savings
$ 58 / month
$693 / year
or
24.63 %
Recent Auto Insurance Quote from OTTAWA, ONTARIO
Male, Age 22
2021 GMC SIERRA 2500 HD SLT CREW CAB 4WD DIESEL
May 17, 2024
Cheapest Quote
$ 595 / month
$7,139 / year
Average Quote
$ 917 / month
$11,001 / year
Savings
$ 322 / month
$3,862 / year
or
35.11 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

What people say about our quotes

Rating stars

Based on 6,220 reviews

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Top car insurance brokers in Ottawa

Company name Company type Phone number Address

Halpenny Insurance Brokers

Insurance broker

613-722-7626

104-1550a Laperriere Ave, Ottawa, ON, K1Z 7T2

InsuranceHotline.com

Quotes comparison

1-855-821-7312

225 King St W, Suite 1000, Toronto, ON, M5V 3M2

KBD Insurance

Insurance broker

613-212-2352

602-1420 Blair Towers Pl, Gloucester, ON, K1J 9L8

LowestRates.ca

Quotes comparison

1-855-487-6911

401-1910 Yonge St, Toronto, ON M4S 3B2

RATESDOTCA

Quotes comparison

1-844-726-0907

225 King St W, Suite 1000, Toronto, ON, M5V 3M2

Rhodes & Williams Limited

Insurance broker

613-226-6590

1050 Morrison Dr, Ottawa, ON K2H 8K7

Rowat Insurance Brokers

Insurance broker

613-680-1777

115-1433 Wellington St. W, Ottawa, ON, K1Y 2X3

Scoop Insurance

Insurance broker

1-866-456-6620

22-300 Lincoln St, Welland, ON L3B 4N4

Smith Petrie Carr & Scott Insurance Brokers Ltd

Insurance broker

613-237-2871

600-359 Kent St, Ottawa, ON K2P 0R6

Tanner Insurance

Insurance broker

613-232-5704

200-2435 Holly Ln, Ottawa, ON K1V 7P2

Frequently asked questions about Ottawa auto insurance brokers

Need more information on Ottawa auto insurance brokers? We got you covered.

How much is the average car insurance in Ottawa?

According to the 2023 RATESDOTCA Insuramap, the average car insurance premium is Ottawa is $1,321 per year. That’s about 32% lower than the Ontario average of $1,744.

Should I use an insurance broker to find car insurance in Ottawa?

Everybody is different. An insurance broker can offer you choices from a variety of auto insurance companies. They do the research and provide you with the quotes. If that suits your needs, go for it. But it never hurts to talk to an agent, and certainly you should look at comparison sites like RATESDOTCA for a list of the cheapest quotes around.

Do I have to pay an insurance broker?

No. The insurance provider you end up with will pay the broker – usually in the form of a commission or a fee. The commission is based on a percentage of the premium you will pay.

How do auto insurance brokers make money?

They are paid by the insurance companies they represent. A fee or a commission is paid to the broker by the provider you end up selecting.

Do I get higher auto insurance rates from auto insurance brokers than insurance companies?

It’s possible but not necessarily the case. Brokers have the benefit of comparing rates and presenting the best ones to you. An insurance company can only offer what they have. However, they are in a position to negotiate and work with you on your policy needs.

Is RATESDOTCA an insurance broker?

RATESDOTCA makes it easy for consumers to search the auto insurance market online. It only takes a few clicks to be matched with a range of quotes from Canada’s top insurance providers.

RATESDOTCA also owns the Welland-based Scoop Insurance brokerage (formerly Kanetix Ltd.).

Who licenses insurance brokers in Ontario?

In Ontario, all brokers are licensed by the Registered Insurance Brokers of Ontario (RIBO). RIBO is a self-regulatory body established in 1981. They manage the licensing, professional competence, ethical conduct and insurance-related financial obligations of all independent general insurance brokers in the province. Find out more about RIBO now.

Where can I find the best car insurance brokers in Ottawa?

It all depends on your needs, location and how well you research the companies in your area. The best place to do that are sites like RATESDOTCA, which offer the cheapest quotes from top providers in Canada in just a few clicks. Their service is free and easy to use. So easy, in fact, that you can find quotes right this second, if you so choose.

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