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Updated
Whether you drive, lease or own a vehicle in Ontario, you need to have valid car insurance. If you don’t carry one with you, you can get fined up to $50,000. In addition, your driver’s license may be suspended, and your car impounded. If that’s not enough, insurers may label you as “high-risk” and either charge you a high premium or decline insuring you altogether.
There are other consequences too. For instance, if you cause a car accident, you may have to pay for your medical, repair and similar expenses out of pocket. Conversely, if you end up in a car accident through no fault of your own, you won’t be able to sue the at-fault driver for compensation or receive income replacement or non-earner benefits. In other words, a car accident can cost you a fortune even if you exclude all legal repercussions.
So, if you’re looking for car insurance, consult one (or all) of the following:
The Financial Services Regulatory Authority of Ontario (FSRA) is the governing body that oversees the insurance industry in Windsor (and the rest of Ontario). It makes sure that insurers follow the appropriate legal guidelines and deliver fair rates to all Ontarians.
Answer a few basic questions about your driving & car insurance history.
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| Insurance type | Mandatory coverage | Optional/Additional coverage |
|---|---|---|
| Third-Party Liability | $200,000 minimum. Provides coverage in the event of a lawsuit resulting from an accident where you are at fault. | Coverage can be increased to $500,000, $1 million, or $2 million, with up to $2 million limit. |
| Direct Compensation-Property Damage (DC-PD) | Covers damage to your car, or loss of use of your vehicle, if someone else is at fault. Must involve another insured vehicle. | For additional vehicle coverage including for when you are at-fault, consider collision coverage. |
| Uninsured Automobile Insurance | Provides up to $200,000 in coverage if you are injured or killed by an uninsured driver, or if your vehicle is damaged as a result of a hit-and-run by an unidentified, uninsured motorist. | Family Protection Coverage is an optional coverage that includes additional coverage of up to $1 million in the case of a hit-and-run by an uninsured motorist. |
| Statutory Accident Benefits | Provides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren’t covered by OHIP. | Coverage limits can be increased. |
| Collision Coverage (Also Upset Coverage) | Optional | Covers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property. |
| Comprehensive Coverage | Optional | Covers damages caused by named perils identified under the Specified Perils coverage, as well as losses from other perils like falling or flying objects, theft, fire, hail, windstorms, missiles, and vandalism. |
| Specified Perils Coverage | Optional | Covers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and also other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc. |
| All-Perils Coverage | Optional | Combines collision/upset and comprehensive coverage. Also provides additional protection if a household member or an employee steals your vehicle. |
| OPCF 20: Coverage for Transportation Replacement | Optional | Covers the cost of your transportation replacement and rental car insurance if you were to get into a car accident or if your vehicle is stolen. |
| OPCF 27: Liability for Damage to Non-Owned Automobile(s) | Optional | Covers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000. |
| OPCF 39: Accident Waiver/Forgiveness | Optional | Protect your premium from rising when you have your first at-fault accident. |
| OPCF 43: Waiver of Depreciation | Optional | Protects you by removing your insurer's right to deduct depreciation from the value of your vehicle when settling a claim. This coverage is for new vehicles with fewer than 5,000 kilometres. |
| OPCF 44R: Family Protection Coverage | Optional | Protects you if you or a family member is injured, regardless of whether you or your family members are in the car when the accident occurs |
The average car insurance rate in Windsor is $1,491 per year, or $124 per month, according to the RATESDOTCA Insuramap data (gathered in 2022).
Insurance rates have had a significant dip during the pandemic, as fewer people were driving when the lockdown was in place. This resulted in fewer accidents and fewer claims filed. However, since more drivers are now out on the roads, 2023 is poised to see a significant rise in insurance rates.
In fact, many insurers have applied for rate increases in 2022. Because of that, some policyholders may already be paying higher rates than they were last year (or the year before). We expect the rates to increase by 5% in the first quarter of 2023 and by 7%-8% in the second quarter. Third and fourth quarters should see similar increases.
| Rank | City | Average 2021 premium | Difference from Windsor’s 2021 average |
|---|---|---|---|
|
1. |
Vaughan |
$2,179 |
32% |
|
2. |
Ajax |
$2,104 |
29% |
|
3. |
Richmond Hill |
$2,025 |
26% |
|
4. |
Brampton |
$1,976 |
25% |
|
5. |
Mississauga |
$1,971 |
24% |
|
6. |
Pickering |
$1,959 |
24% |
|
7. |
Toronto |
$1,953 |
24% |
|
8. |
Oshawa |
$1,833 |
19% |
|
9. |
Whitby |
$1,792 |
17% |
|
21. |
Windsor |
$1,491 |
- |
With the average annual rate of $1,491, Windsor has some of the cheapest premiums in Ontario, especially when compared to those in the Greater Toronto Area (GTA). Depending on your personal factors (such as age, car, driving record and neighbourhood), your actual annual premium may be below or above that. If it’s significantly higher, it may be due to a poor driving record, lack of experience or a similar issue, as most neighbourhoods in Windsor have relatively cheap insurance.
| Company name | Company type | Phone number | Address |
|---|---|---|---|
|
All-Risks Insurance Brokers Ltd. |
Insurance agency |
519-253-6376 |
1255 Ouellette Ave, Windsor, ON N8X 1J3 |
|
Allstate Insurance: Windsor Lasalle Agency |
Insurance agency |
226-773-7539 |
121-3920 Dougall Ave, Windsor, ON N9G 1X2 |
|
BrokerLink |
Insurance broker |
519-969-5910 |
1A-2570 Dougall Ave, Windsor, ON N8X 1T6 |
|
Eagen Insurance |
Insurance agency |
519-988-0888 |
5940 Tecumseh Rd E, Windsor, ON N8T 1E3 |
|
EasyInsure |
Insurance broker |
1-800-679-2640 |
C-3600 Rhodes Dr, Windsor, ON N8W 5A4 |
|
Quotes comparison |
1-855-821-7312 |
225 King St W, Suite 1000, Toronto, ON, M5V 3M2 | |
|
Kafka Insurance Brokers Ltd. |
Insurance agency |
519-966-0714 |
2785 Howard Ave, Windsor, ON N8X 3X8 |
|
Quotes comparison |
1-855-487-6911 |
401-1910 Yonge St, Toronto, ON M4S 3B2 |
|
|
Quotes comparison |
1-844-726-0907 |
225 King St W, Suite 1000, Toronto, ON, M5V 3M2 | |
|
Insurance broker |
1-866-456-6620 |
22-300 Lincoln St, Welland, ON L3B 4N4 |
There are ways to make your car insurance cheaper. However, they may require some effort on your part. Here’s what they are:
Need more information on Windsor car insurance? We got you covered.
Given how insurance premiums are determined, there is no easy way to pinpoint which company offers the cheapest one – in Windsor or anywhere else. That’s because insurance rates depend heavily on individualized factors such as age, car, location and driving record.
You can, however, use comparison websites like RATESDOTCA to compare quotes from multiple different insurers at once to get the cheapest price in your location.
No. Most providers in Windsor and the rest of Ontario offer year-long insurance policies only, though some are known for providing six-month policies. If you’re looking for a policy shorter than six months, you probably won’t find it.
However, there are ways around this issue. Here’s what you can do:
Yes, your car insurance covers you in the U.S., across all 50 states, because insurance laws and regulations in the U.S. are similar to those in Canada. However, we recommend that you increase your coverage limits, particularly for liability, as you’re more at risk of a lawsuit there than here. The standard minimum liability coverage is $200,000. Consider increasing it to $2 million when travelling.
Yes. However, before using your vehicle for ridesharing, inform your insurance provider, just in case.
The FSRA has a list of all approved ridesharing companies in Ontario, along with their corresponding insurers. Here’s what they are:
How ridesharing insurance works: Whenever a driver, car owner or passenger uses any of the above-listed ridesharing services, they are covered the moment the app is on. As soon as it’s off, the car owner’s personal insurance kicks in.
When you buy insurance for your car, you can choose your deductible amount. We recommend that you base this amount on your coverage and/or financial situation. Most drivers in Windsor have a $500 deductible, as it’s the standard amount offered by insurers.
You can raise it to $1,000 or even $2,000, if you prefer, which may save you up to 40% or more on your coverage.
However, you want to be careful when raising your deductible, since the higher the deductible, the more you have to pay yourself in case of an accident. This may negate any savings you make on your premiums. In addition, when filing a claim, your deductible may cost you more than paying for the damages out of pocket.
RATESDOTCA is 100% free of charge. There are no hidden fees or surprise add-ons. We have partnered with 30+ of the top insurance companies in Canada to bring you the best rates at competitive prices. Don’t wait for your renewal to start comparison shopping!
*Shoppers in Windsor who obtained a quote on RATESDOTCA from January to December 2023 saved an average of $588 per year. The average savings represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third-lowest quoted premiums generated by RATESDOTCA.
Taras is a content manager at RATESDOTCA, specializing in home insurance. He has worked at the company for a year and has since collaborated with multiple experts to fully familiarize himself with the intricacies of the insurance industry.
He has over nine years of content marketing experience across multiple industries in B2B and B2C spaces. He has produced thought leadership content for organizations like Constellation Software, Facebook and Yellow Pages as well as outlets like Huffington Post and MSN Canada.
He has graduated from York University with a Bachelor of Arts degree in Film Studies and has also studied Technical Communication at Seneca College – the co-op program that introduced him to the world of content marketing.
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