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With its proximity to Detroit, it’s natural that Windsor became part of the automotive revolution of the 20th Century. A group of Canadian investors bought the rights to build and distribute Ford cars in Canada. Ford Canada wasn’t, at the time, a subsidiary of Henry Ford’s company, but a wholly-owned Canadian subsidiary. The company had the rights to sell Ford automobiles anywhere in the British Empire except Great Britain and Ireland. It wasn’t until after World War II that the Canadian Ford operation combined with its American parent, and moved its head office from Windsor to Oakville.

Ford retains a plant in Windsor, though the declining manufacturing sector in Ontario reduces output over peak years. Windsor’s current metropolitan area has about 310,000 residents and in keeping with its role in the automotive industry, a majority of residents are car owners. Typical auto insurance for a 35-year-old male driver living downtown costs about $1,270 per year. This rate is based on an eight-year-old 4-door sedan.

How Much Does Car Insurance Cost in Windsor

The average cost of car insurance in Windsor is $1,611.

Quote DateAverage Auto Insurance Cost in Windsor*

*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 Windsor 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 Windsor

Ontario’s car insurance system uses private insurance companies operating under heavily regulated provincial rules. Despite the regulations, the market remains competitive and motorists prepared to shop around potentially save hundreds of dollars annually by finding the right company and policy.

Mandatory coverage in Ontario provides only minimal protection against lawsuits occurring as a result of at-fault accidents. Minimum coverage for third-party liability is $200,000, though settlements for serious accidents can easily exceed this. Windsor drivers often increase this coverage to $500,000, $1 million or greater.

Collision and comprehensive car insurance aren’t required by the government. However, drivers who finance car purchases usually find that the lenders insist that new vehicles have this extended coverage. Unless a motorist accepts the financial responsibility of repairing or replacing a car after an incident, both collision and comprehensive coverage make sense. Motorists who want to match policy cost to a budget can increase deductible limits and investigate discounts as ways to save money.

Many insurance companies offer bundles. These are collections of popular auto insurance products combined in a package priced lower than the products would be when purchased separately. Drivers can also ask their agent or broker about discounts that may apply to their insurance situation. While most companies offer discounts, these usually won’t be applied unless the driver asks.

Driving in Windsor

  • Windsor is the western end of Highway 401, Canada’s busiest controlled-access highway. The 401 currently ends at the E.C. Row Expressway and Ojibway Parkway.
  • Huron Church Road feeds the Ambassador Bridge over the Detroit River into the United States. This is one of two current general border crossings in Windsor. Additionally, there is a train tunnel and a truck ferry.
  • The Ambassador Bridge connects with Interstates 96 and 75 on the U.S. side.
  • The Detroit Windsor Tunnel, on Goyeau Street at Wyandotte Street East is the other international border crossing. The tunnel emerges in downtown Detroit, next to the Renaissance Center.
  • The E.C. Row Expressway is the major east-west corridor, though it is only marginally effective. Covering less than 16 km of Windsor’s 30 km east-west distance, the E.C. Row frequently bogs down under commuter traffic. Wyandotte Street and Tecumseh Road also provide east-west thoroughfares. Sandwich Street and Riverside Drive traverse the city along the Detroit River but don’t combine to make a practical east-west route, being too far from the inland residential areas.
  • City traffic in Windsor can be very slow-moving for a city of its size. Truck traffic to the Ambassador Bridge often jams Huron Church Road. Major north-south streets with access to the E.C. Row Expressway frequently tie-up with heavy traffic at the Expressway.
  • Windsor has many train crossings at road grade, further complicating traffic in town. Grade separation projects are completed as part of a provincial initiative to improve the city’s infrastructure.

List Of Driving Schools in Windsor

Ontario Truck Driving School201-310 Hanna St E, Windsor, ON N8H 4W6226-315-1098
Street Smarts Driving Education2949 Dominion Blvd, Windsor, ON N9E 2N2519-981-2211
Royal Driving School3-3857 Howard Ave, Windsor, ON N9G 1N6519-973-5533
Northstar Truck Driving School Ltd5044 Walker Rd, Windsor, ON N9A 6J3519-737-0444
Ontario Driving School1602 University Ave W, Windsor, ON N9B 1C25192565662
Ontario Truck Driving School (Yard)1333 College Ave, Windsor, ON N9B 1M8519-258-9098
Allstar EZ Driving School2385 Tecumseh Rd W, Windsor, ON N9B 1W2519-419-3177
A Good Start Driver Education3020 Devon Dr, Windsor, ON N8X 4L2519-259-2745
Ontario Truck Driving School310 Hanna St E, Windsor, ON N8X 4W6226-773-3017
Young Drivers130-215 Eugenie St W, Windsor, ON N8X 2X7519-250-8611
New Delta Driving School5-2521 Dougall Ave, Windsor, ON N8X 1T5519-967-8383
Drive Test2470 Dougall Avenue, Windsor, ON N8X 1T2416-325-8580
Defensive Driving School149 Tecumseh Rd W, Windsor, ON N8X 1E8519-800-2308
Signal Truck & Forklift Driving School1160 Central Ave, Windsor, ON N8Y 3T9519-991-4444
Academy Driving School2700 Central Ave, Windsor, ON N8W 4J5519-997-3379
A Good Start Driver Education3290 Jefferson Blvd, Windsor, ON N8T 2W8519-259-2749

Road Information for Windsor

windsor road

  • The website compiles images from the Compass system and other traffic cameras in the Windsor area.
  • The Ministry of Transportation maintains an interactive traffic map of the Windsor area. This map shows construction, closures, and other events affecting vehicle travel in the Windsor area.
  • The City of Windsor’s Construction web page lists both current and planned construction and maintenance.
  • Local radio station AM 800 keeps a traffic information page in addition to on-air traffic reports. The Morning Drive program, from 5 a.m. to 9 a.m., keeps listeners updated on rush hour traffic.
  • Windsor’s seven-day forecast from Environment Canada is found here.
  • Windsor and the area have a DriveTest Centre at Southgate Plaza, 2470 Dougall Avenue, at the corner of Eugenie Street West. There is a ServiceOntario outlet at this location as well.

Driving Facts for Windsor

  • Highway 401 has an extension in the works to connect with the proposed Gordie Howe Bridge, a third general border crossing in Windsor. While the Canadian government aggressively pursues this project, backed by the state of Ohio and supported by the U.S. federal government, support in the Michigan senate has not been positive. The influence of the owner of the Ambassador Bridge, a for-profit private enterprise, blocks state senate approval, despite support from Michigan’s governor.
  • The Ambassador Bridge carries about 25 percent of the trade between Canada and the U.S. The bridge is the busiest border crossing in North America. On average, 10,000 commercial vehicles cross the bridge daily. The Canadian end of the bridge connects to Huron Church Road, a regular city street, causing both congestion and dangerous conditions. The proposed Gordie Howe Bridge connects to the E.C. Row Expressway and the 401 directly, avoiding the problem of high traffic volumes funneled onto Windsor city streets.
  • The owner of the Ambassador Bridge sued the Canadian and U.S. governments to stop the development of the new bridge, proposing instead that the Ambassador Bridge be twinned, but his lawsuit was dismissed as having no practical merit. Twinning would only increase the problems Windsor experiences with cross-border traffic on its streets.
  • Windsor is the only city located due south of an American city. It’s also the southernmost major city in Canada. Windsor is roughly even in latitude with the northern border of California. When Windsor sought city status in 1892, “South Detroit” was unsuccessfully proposed as a name for the new city.

List of Car Insurance Companies & Brokers in Windsor Ontario

Lacivita Claudio Insurance BrokerTecumseh, Windsor, ON N8N 2M6519-979-5423
Will Insurance Brokers13039 Tecumseh Rd E, Windsor, ON N8N 3T4519-979-9111
All Risks Insurance1591 Ouellette Ave, Windsor, ON N8N 1K5519-997-2363
Sunlife Of Canada456 Chambers Dr, Windsor, ON N8N 4R5519-739-1223
Sun Life Financial8255 Anchor Drive, Windsor, ON N8N 5G1519-739-7777
Lanoue Ken Insce Broker Ltd5915 Malden Rd, Windsor, ON N8H 1S6519-966-6112
Kafka Insurance Brokers Ltd7-3020 Dougall Ave, Windsor, ON N9E 1S4519-966-0714
A & A Insurance Broker Ltd.3220 Dougall Ave, Windsor, ON N9E 1S6519-250-4111
State Farm Insurance1304 Grand Marais Rd W, Windsor, ON N9E 1E4519-967-1389
BrokerLink2991 Longfellow Ave, Windsor, ON N9E 2L3519-969-5910
Allstate Insurance Company of Canada3920 Dougall Ave, Windsor, ON N9G 1X2226-773-7348
State Farm Insurance3835 Dougall Ave, Windsor, ON N9G 1X3519-966-8555
David Seeley Insurance Services4014 Kennedy Dr. E, Windsor, ON N9G 1X8519-252-0303
Easyinsure.ca213-380 Pelissier St, Windsor, ON N9A 6W8519-915-4837
The Dominion of Canada General Insurance Company1220 Harrison Ave, Windsor, ON N9C 3J5519-252-6900
All Line Insurance1878 Huron Church Rd, Windsor, ON N9C 2L5519-250-0269
State Farm1603 University Ave W, Windsor, ON N9B 1C3519-254-5101
The Co-operators5905 Malden Rd, Windsor, ON N9H 1S6519-250-5152
Southland Insurance Brokers Inc5881 Malden Rd, Windsor, ON N9H 1S5519-969-9415
HollisWealth314-3200 Deziel Dr, Windsor, ON N8X 5K8226-315-1593
Desjardins1-321 Tecumseh Rd E, Windsor, ON N8X 2R5519-968-3599
State Farm Insurance1A-280 Edinborough St, Windsor, ON N8X 3C4519-972-7110
Colovic & Grundner Financial Services Inc2557 Dougall Ave, Windsor, ON N8X 1T5519-250-5444
Quan Nguyen1A-2570 Dougall Ave, Windsor, ON N8X 1T6519-966-8070
PBL Insurance Ltd100-150 Ouellette Pl, Windsor, ON N8X 1L9519-254-1633
All-Risks Insurance Brokers Limited1591 Ouellette Ave, Windsor, ON N8X 1K5226-773-1769
Grant & Mingay Insurance Ltd302-420 Kildare Rd, Windsor, ON N8Y 3G45192584743
Youngs Insurance Brokers6-9733 Tecumseh Rd E, Windsor, ON N8R 1A5519-979-9989
State Farm Insurance9503 Tecumseh Rd E, Windsor, ON N8R 1A1519-979-1998
Windsor Essex Insurance Brokers Ltd7960 Clairview Ave, Windsor, ON N8S 1H9519-974-4406
PBL Insurance Ltd2800 Tecumseh Rd E, Windsor, ON N8W 1G4519-251-0705
The Co-operators3195 Tecumseh Rd E, Windsor, ON N8W 1G9519-948-8886
Brian Price Insurance & Financial Services1987 Ypres Ave, Windsor, ON N8W 1S7226-887-0368
Masters Insurance2999 Grand Marais Rd E, Windsor, ON N8W 1W5519-977-8433
State Farm Insurance4050 Walker Rd, Windsor, ON N8W 3T5226-674-0791
Allstate Insurance Company of Canada4115 Walker Rd, Windsor, ON N8W 3T6226-773-7459
HUB International Ontario3063 Walker Rd, Windsor, ON N8W 3R4519-966-2600
Easyinsure.ca300-3390 Walker Rd, Windsor, ON N8W 3S1519-915-4667
CanAm Travel Insurance3600 Rhodes Dr, Windsor, ON N8W 5A4519-974-5995
Alliance Windsor Insurance Brokers3100 Temple Dr, Windsor, ON N8W 5J6519-973-7399
State Farm Insurance4A-3357 Walker Rd, Windsor, ON N8W 5J7519-972-9013
Sun Life Financial508-3200 Deziel Dr, Windsor, ON N8W 5K8519-974-3200
State Farm Insurance5444 Tecumseh Rd E, Windsor, ON N8T 1C7519-945-1131
Eagen Insurance5940 Tecumseh Rd E, Windsor, ON N8T 1E3519-988-0888
Uniac Auto Sales3-6550 Tecumseh Rd E, Windsor, ON N8T 1E6519-419-3387
The Benefits Company2795 Kew Dr, Windsor, ON N8T 3B7519-258-5948

Finding the lowest car insurance rates for Windsor is easy when using Ratelab’s car insurance calculator. Start by entering your home postal code in the space provided below. Enter basic information about your driving history and car insurance needs and Ratelab returns the lowest prices from up to ten insurance providers to jump-start your car insurance shopping. There’s no cost and no obligation to use the calculator, and you may save hundreds while finding the perfect match for your auto insurance needs.

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