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London, Ontario is the largest urban center in Southwestern Ontario. Situated about halfway between Toronto and Detroit, Michigan, it’s home to about 366,000 people in the city and almost half a million in its metropolitan area. Highway 401 is some distance away from the city center, and without a solid plan to connect central parts of the city to the major highway, many feel London’s potential as a growth area through the late stages of the 20th century was missed.

The size of the city, combined with weak public transit and no major expressway, such as the Kitchener-Waterloo area has, means that cars are virtually essential to life in London. A 36-year-old male driver with a clean driving history pays about $1,250 a year in car insurance when driving a 4-year-old sedan.


How Much Does Car Insurance Cost in London

The average cost of car insurance in London is $1,397.

Quote DateAverage Auto Insurance Cost in London*

*Methodology: We used a sample profile for a male driver aged 30 years with his own vehicle having mandatory coverage. He drives a Honda Civic 2012 car with an average mileage of 5000 – 8000 km per year to commute to work. He has a clean driving record history of 5 years with no accidents or collisions.

We surveyed the car insurance prices in London for the purpose of illustrating the range in quotes based on driving record, location, and other criteria. To get a customized quote, enter your postal code above.

Affordable Car Insurance in London

London is well served by the insurance industry. Home to several insurance companies, there are many agents and brokers located in the city. The best rates on auto insurance usually come through comparison shopping and most, if not all, major insurers have representation in London.

Ratelab remains your best bet for easy shopping. Using the car insurance calculator, you can shop your auto insurance needs with dozens of partners to find the lowest rates for the most appropriate policy. Since the calculator returns up to 10 quotes, the insurance company choice is easy.

Ontario’s car insurance system has great flexibility for motorists seeking customized coverage. Most insurers have a wide range of products to add to the basic provincial policy. A motorist can extend basic coverage or add options that apply to them. Consumers with budgets in mind can change deductible amounts or drop optional coverage to produce a premium that fits their needs.

Another way to drop prices uses discounts. Most insurers give percentage incentives when a motorist meets conditions. These might be periods of safe driving, age thresholds, or combining home and auto policies with one company. Insurance companies don’t usually add discounts automatically, though. A driver must request the addition of these to add to their policy.

While Ontario has a minimum level of insurance required, drivers who finance vehicle purchases may need additional coverage as a condition of financing. London drivers should contact their lenders if in doubt.

Driving in London

  • Without controlled-access expressways through the city, London has more traffic congestion than cities of similar size. Oxford Street and Commissioner’s Road are the only uninterrupted east-west routes through the city. There’s no contiguous north-south route. Wellington Road and Richmond Street share duties as the central “spine” of the city.
  • London has four exits on Highway 401. From west to east these are Wonderland Road, Wellington Road, Highbury Avenue, and Veteran’s Memorial Parkway. Highbury Ave. and Veteran’s Memorial have four-lane sections, but neither is a fully functioning controlled access road, and neither brings expressway-style conditions into heavily populated areas.
  • Highway 402 separates from the 401 west of Wellington Road. Heading to the U.S. border in Sarnia, the 402 offers a further London exit at Wonderland Road that is closer to the city center than the 401 exits.
  • Road grade train crossings throughout the city, mostly on the east side of Richmond St., can add to the already overloaded city streets when trains come through the city.
  • Wharncliffe Road is a partial north-south corridor just west of downtown. Wonderland Road traverses the entire city from north to south, but substantially west of downtown. It is subject to heavy rush hour volumes.
  • Hamilton Road/Horton Street/Springbank Drive approximate an east-west corridor running south of the downtown area.
  • Dundas Street, provincial highway 2, enters London from the east, ending at the Thames River downtown. Dundas and Richmond are the hubs for city buses.

Road Information for London ON

  • Road conditions for London and Southwestern Ontario can be found on the Ministry of Transportation’s website. You can find links to road closures and weather-related road conditions on this page as well.
  • Local radio station AM980 hosts a London traffic web page with links to its traffic tweets, MTO traffic cams, weather information, and more.
  • Road construction information, including current and future plans, is available through the City of London’s website.
  • offers quick access to Google Maps with traffic conditions overlaid. Unless there is construction, an accident, or disruptions, Highway 401 rarely sees delays due to volume in the London area.
  • Short-term local weather forecasts for London are located here.

List Of Driving Schools in London Ontario

Senior Pro Drivers572 Rosecliffe Terr, London, ON N6K 3X8519-286-0289
iPass Driving School25 Oxford St W, London, ON N6H 1R2519-645-7277
Drive Test1-220 Exeter Road, London, ON N6L 1A3416-325-8580
DriveWise London1764 Oxford St E, London, ON N5V 3R6226-270-9311
Train2Drive1313 Bentley Dr, London, ON N5V 4M5519-777-2269
Ward’s New Drivers Inc266 Epworth Ave, London, ON N6A 2M3519-473-3546
Young Drivers104-205 Oxford St E, London, ON N6A 5G6519-434-2181
Ontario Truck Driving School427 Exeter Rd, London, ON N6E 2Z3519-680-2032
Todays Drivers Driving School Inc9 Sounthdale E, London, ON N6E 1A5519-777-3333
Western Driving Academy1349 Western Rd, London, ON N6G 1H3519-661-7723
One Way Driving School3-1440 Jalna Blvd, London, ON N6E 3P2519-601-0363
London Driving School Inc150 Dundas St, London, ON N6A 1G1519-694-9999
Oxford Driving Academy of London215-747 Hyde Park Rd, London, ON N6H 3S3519-495-4990
Ontario Driving School122-920 Commissioners Rd E, London, ON N5Z 3J1519-673-4360
Ontario Truck Driving School30 Old Mill Crt, London, ON N6K 4H6519-204-0570
Western Driving Academy8-25 Base Line Rd W, London, ON N6J 1V1226-270-6507
Driverzed.com355 Wellington St, London, ON N6A 3N7226-270-6464
Fanshawe Driving School5b-561 Southdale Rd E, London, ON N6E 3M7226-270-7790

Driving Facts for London ON

  • The busiest section of road in London is Wellington Road between Southdale and Commissioner’s, supporting over 45,000 vehicles daily. The intersection at Wellington and Commissioner’s usually leads the city annually in a number of accidents. A total of 10 lanes, not including turn lanes, run through this intersection.
  • Conveniently, one of London’s two hospitals with emergency room services is at the corner of Wellington and Commissioners.
  • Streets laid out in the 1800s didn’t line up very well. The rail lines through the middle of the city create an east-west boundary across which the road offsets are most obvious. The city put much effort into realigning these streets in the 1970s.
  • The city’s transit system uses only buses across 38 routes and is ineffective for a city of London’s size. The majority of the bus routes funnel into the Dundas and Richmond intersection. Rather than having an effective hub-type bus station, the street corner itself is the junction, severely restricting traffic through the downtown core.
  • While re-location of the local junior hockey arena and rebuilding of the Covent Garden Market has brought some revitalization to the downtown area, the lack of effective transit and parking limits the draw of the city center to the population residing in outlying neighborhoods.
  • Adding bicycle paths, while welcome, hasn’t been sufficiently supported to effectively reduce vehicle traffic into the city core.
  • London’s airport reached international status and the number of flights in and out of the city continues. Previously, major airline access for residents flew out of Pearson in Toronto and Munro in Hamilton.

List Of Insurance Companies and Brokers in London Ontario

All-Risks Insurance Brokers Limited2-99 Horton St W, London, ON N9A 4J6226-270-6175
Crawford & Danyluk Insurance Brokers Limited2681 Gideon Dr, London, ON N0L 1E0519-652-3201
Hogarth Insurance2349 Main St, London, ON N6P 1A7519-203-3677
State Farm Insurance527 Clarke Rd, London, ON N5V 2C9519-451-3540
Bethel Insurance Brokers Inc5A-520 First St, London, ON N5V 3C6226-213-3321
The Co-operators1815 Dundas St, London, ON N5W 3E6519-455-7567
Allstate Insurance Company Of Canada204-1240 Commissioners Rd W, London, ON N6K 1C75194711900
The Co-operators998 Commissioners Rd W, London, ON N6K 1C3519-472-2667
Fitzsimons Financial Group Inc696 Westmount Hills Dr, London, ON N6K 1B2519-641-8019
State Farm Insurance202-346 Wonderland Rd S, London, ON N6K 1L3519-668-1304
Conrad Eggel Insurance & Investments380 Foyston Rd, London, ON N6K 2J8519-494-7721
My Insurance Broker227-1255 Commissioners Rd W, London, ON N6K 3N5519-473-7000
Allstate Insurance Company of Canada1061 Wonderland Rd S, London, ON N6K 3X4226-785-0894
Haas Insurance Group3-521 Nottinghill Rd, London, ON N6K 4L4519-471-7740
Kinlin Larry and Associates/Larry Insurance Agency440 Boler Rd, London, ON N6K 4L2519-681-8101
Pro Insurance Brokers1-630 Wharncliffe Rd S, London, ON N6J 4V7519-679-9800
State Farm Insurance17-99 Belmont Dr, London, ON N6J 4K2519-668-2080
Sutherland Insurance335 Southdale Rd W, London, ON N6J 0A1519-657-2294
Kenny Insurance Brokers Ltd5-360 Springbank Dr, London, ON N6J 1G5519-641-0122
A P (Ontario) Insurance Brokers Inc10 A-25 Base Line W, London, ON N6J 1V1519-667-9615
Williamson R K Insurance Brokers Limited390 Commissioners Rd W, London, ON N6J 1Y3519-472-7662
David J Elliott Insurance Brokers775 Wharncliffe Rd S, London, ON N6J 2N8519-681-0179
Preferred Insurance778 Wharncliffe Rd S, London, ON N6J 2N4519-661-0200
The Co-operators217 Wharncliffe Rd S, London, ON N6J 2L2519-858-3433
State Farm Insurance103 Wharncliffe Rd S, London, ON N6J 2K2519-453-2174
Gamble Insurance101 Cherryhill Blvd, London, ON N6H 4S4519-681-9856
The Co-operators666 Wonderland Rd N, London, ON N6H 4K9519-641-8466
Federated Insurance Companies Of Canada210A-735 Wonderland Rd N, London, ON N6H 4L1519-473-5610
Geddes Robert A Insurance62 Alder Grv, London, ON N6H 5A7519-657-4807
Bando & Brown General Insurance Inc1736 Hyde Park Rd, London, ON N6H 5L7519-434-5191
The Co-operators3-1900 Hyde Park Rd, London, ON N6H 5L9519-657-3300
Allstate Insurance Company Of Canada530 Oxford St W, London, ON N6H 1T65194342753
Eric Gagne Insurance500 Oxford St W, London, ON N6H 1T5519-282-4195
Crosslands Insurance590 Donegal Dr, London, ON N6H 3H5519-472-3364
Kovacs Insurances Brokers747 Hyde Park Rd, London, ON N6H 3S3519-645-6558
The Merit Group Insurance Brokers Inc759 Hyde Park Rd, London, ON N6H 3S2519-657-5500
Primerica Financial Services-C E Manherz2990 Glanworth Dr, London, ON N6N 1N6519-686-2552
National Truck League Inc910 Wilton Grove Rd, London, ON N6N 1C7519-434-4944
State Farm Insurance3039B Wonderland Rd S, London, ON N6L 1R4519-641-4660
St Clair Insurance Brokers Inc4056 Meadowbrook Dr, London, ON N6L 1E3519-691-2539
Land Mark Canada4093 Meadowbrook Dr, London, ON N6L 1G2519-645-1483
Penncorp Life Insurance Company127-4026 Meadowbrook Dr, London, ON N6L 1C7226-270-7742
Allstate Insurance Company of Canada1319 Commissioners Rd E, London, ON N6M 0B8226-271-4379
Youngs Insurance Brokers696 Hamilton Rd, London, ON N5Z 1T6519-451-1980
Partners Indemnity Insurance Brokers Ltd931 Commissioners Rd E, London, ON N5Z 3H9226-270-6233
State Farm Insurance1288 Highbury Ave N, London, ON N5Y 1B4519-453-4572
State Farm Insurance924 Oxford St E, London, ON N5Y 3J9519-452-3450
The Co-operators14-1080 Adelaide St N, London, ON N5Y 2N1519-672-1180
State Farm Insurance587 Lambton St, London, ON N5Y 4G1519-964-2555
Sun Life Financial201-235 North Centre Rd, London, ON N5X 4E7519-953-0204
State Farm Insurance110-1555 Glenora Dr, London, ON N5X 1V7519-673-6056
Insurance Marketing Centre466 Ridout St N, London, ON N6A 2P7519-649-6330
Crosslands General Insurance846 Richmond St, London, ON N6A 3H8519-438-5416
RBC Insurance801-383 Richmond St, London, ON N6A 3C45196456840
May McConville Insurance123 St George St, London, ON N6A 3A15196458764
The Insurance Exchange Insurance Brokers Ltd520 Wellington St, London, ON N6A 3R2519-433-2119
Omni Insurance Brokers560 Wellington St, London, ON N6A 3R4519-667-1100
State Farm Insurance733 Waterloo St, London, ON N6A 3W2519-601-3276
Pbl Insurance Ltd200 Queens Ave, London, ON N6A 1J3519-673-3029
Firm Benefits195 Dufferin Ave, London, ON N6A 1K7226-271-2766
Sutherland Elliott Insurance Brokers17 York St, London, ON N6A 1A3519-642-0440
Sheffar Potter Muchan Inc362 Oxford St E, London, ON N6A 1V7519-432-6199
Robertson Hall Insurance300-431 Richmond St, London, ON N6A 6E2519-680-3111
Stevenson & Hunt Insurance Brokers Ltd400-250 York St, London, ON N6A 6K2519-646-5800
Reality Dreams Financial Inc30-255 Dufferin Ave, London, ON N6A 4K1226-271-1355
Wawanesa Mutual Insurance Company495 Richmond St, London, ON N6A 5A9519-438-4141
Stewart Title Guaranty Co380 Wellington St, London, ON N6A 5B5519-679-8432
Select path Benefits and Financial Inc300-700 Richmond St, London, ON N6A 5C7226-271-1302
May McConville Omni insurance brokers ltd.300-685 Richmond St, London, ON N6A 5M1519-673-0880
Pilot Insurance Company252 Pall Mall St, London, ON N6A 5P6519-672-2880
Great West-Life Assurance140 Fullarton St, London, ON N6A 5P2519-963-4320
The Economical Mutual Insurance Company1200-148 Fullarton St, London, ON N6A 5P3519-673-5990
Aviva Insurance Inc1500-255 Queens Ave, London, ON N6A 5R8519-438-2981
Watson Insurance181 Windsor Ave, London, ON N6C 2A3519-434-0873
Sun Life Financial101-1 Commissioners Rd E, London, ON N6C 5Z3519-680-2382
Trothen & McConkey Insurance Brokers Ltd471 Waterloo St, London, ON N6B 2P4519-672-3222
Premier Marine Insurance439 Waterloo St, London, ON N6B 2P1519-850-1609
Peter Kennedy Insurance Brokers Inc o/a Royal Sterling Wealth Preservation & Insurance201-612 Colborne St, London, ON N6B 2V2519-679-5050
Lewkowitz Financial602 Dufferin Ave, London, ON N6B 2A4226-271-2762
Lebada Insurance169 Wellington St, London, ON N6B 2K9519-439-7171
BrokerLink69A Wellington St, London, ON N6B 2K4519-434-1955
John Myles Insurance Agency Inc601-111 Waterloo St, London, ON N6B 2M4519-672-7131
Peter Perry Insurance Agency Ltd3-553 Adelaide St N, London, ON N6B 3J6226-212-0433
Travelers Canada285 King St, London, ON N6B 3M6519-439-8585
Zavitz Insurance Inc439 Dundas St, London, ON N6B 1W1519-667-0116
McFarlan Rowlands503 York St, London, ON N6B 1R4226-213-3887
NAL Insurance361 Dufferin Ave, London, ON N6B 1Z5519-963-0638
National Truck League Insurance Brokers Inc330 Queens Ave, London, ON N6B 1X45194344857
Wynward Insurance Group1750 Ernest Ave, London, ON N6E 3H3519-433-9991
Johnson Insurance8A-561 Southdale Rd E, London, ON N6E 3M7226-271-2147
Totten Insurance Group1069 Wellington Rd, London, ON N6E 2H65196413232
Brandon Fellinger – Insurance and Investment Advisor552 Newbold St, London, ON N6E 2S5519-630-1836
David Keegan – Insurance Representative202-4380 Wellington Rd S, London, ON N6E 2Z6519-471-6767
The Co-operators1054 Willow Dr, London, ON N6E 1P35196810720
Hayter Fisher Ins721 Exeter Rd, London, ON N6E 1L3519-685-2344
RBC Insurance1267 Fanshawe Park Rd W, London, ON N6G 0G4519-472-4419
Allstate Insurance Company of Canada665 Fanshawe Park Rd W, London, ON N6G 5B4226-785-0893
The Co-operators595 Fanshawe Park Rd W, London, ON N6G 5B3519-660-1954
Cinaber Insurance Agencies Ltd1785 Wonderland Rd N, London, ON N6G 5C2519-473-5525

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