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Things to Know Before Getting Windsor Car Insurance
Here are some things to know before getting Windsor car insurance:
- Ontario’s car insurance requirements: Like all drivers in Ontario, residents of Windsor are required by law to have a minimum amount of car insurance coverage. This includes third-party liability coverage, accident benefits coverage, and uninsured automobile coverage.
- Windsor-specific insurance needs: Windsor is located near the United States border, which can impact insurance rates and requirements. Drivers may need additional coverage if they plan to drive in the United States, and insurance rates may be affected by factors such as traffic volume and accident rates in the Windsor area.
- The cost of car insurance in Windsor: The cost of car insurance in Windsor can vary depending on factors such as your driving record, age, gender, vehicle make and model, and where you live in Windsor. Insurance rates may also be influenced by factors such as traffic volume, accident rates, and crime rates in your neighbourhood.
- Available coverage options: Insurance providers offer a variety of coverage options, including additional liability coverage, collision coverage, and comprehensive coverage. It’s important to review the different options available to determine the best coverage for your needs.
- Discounts and savings: Insurance providers may offer discounts for safe driving, bundling multiple insurance policies, and other factors. It’s important to ask about available discounts and savings to help reduce the cost of your insurance premiums.
What is the Average Car Insurance Cost in Windsor
The average cost of car insurance in Windsor in 2023 is $1,476 per year.
Here are the average monthly car insurance costs for different driver profiles with a clean driving record, age 35, and married in Windsor:
Note that these are just estimated costs based on the car type, and your actual costs may vary depending on various factors such as your driving record, location, and insurance provider. It’s always a good idea to compare quotes from multiple insurance providers to find the best deal for your specific situation.
| Driver Profile | Liability Only | Liability + Collision | Full Coverage |
|---|---|---|---|
| G1 Driver | $204 | $270 | $342 |
| G2 Driver | $161 | $213 | $269 |
| Full G Driver | $118 | $155 | $196 |
| Teenage Driver | $362 | $480 | $606 |
| Young Driver | $269 | $356 | $450 |
| High-risk Driver | $327 | $433 | $548 |
| Occasional Driver | $113 | $149 | $188 |
| Pleasure Driver | $113 | $150 | $189 |
| Commuting Driver | $134 | $178 | $226 |
| Good Driver | $108 | $143 | $181 |
| Bad Driver | $309 | $409 | $516 |
| New Driver | $327 | $433 | $548 |
| Secondary Driver | $111 | $146 | $185 |
| 17 Years Old | $430 | $570 | $720 |
| Seniors | $108 | $142 | $180 |
| Over 55 Years Old | $101 | $134 | $169 |
| Students | $266 | $351 | $443 |
| International Driver | $253 | $334 | $422 |
| Newcomers | $266 | $351 | $443 |
| Men Driver | $154 | $204 | $258 |
| Women Driver | $150 | $198 | $250 |
Here are the estimated monthly car insurance costs for different types of cars in Windsor for a driver profile of age 35, married, with a clean driving record:
| Car Type | Liability Only | Liability + Collision | Full Coverage |
|---|---|---|---|
| Sedan | $108 | $143 | $181 |
| Convertible | $141 | $187 | $236 |
| Hatchback | $105 | $139 | $176 |
| Wagon | $110 | $146 | $185 |
| Coupe | $125 | $165 | $208 |
| SUV | $135 | $178 | $225 |
| Truck | $125 | $166 | $209 |
| Minivans | $130 | $173 | $219 |
| Van | $130 | $173 | $219 |
| Electric Car | $177 | $234 | $295 |
| Hybrid Car | $126 | $167 | $211 |
| Multi Car | $160 | $212 | $268 |
| Exotic Car | $469 | $621 | $784 |
| Luxury Car | $252 | $334 | $422 |
| Classic Car | $99 | $131 | $165 |
| Vintage Car | $99 | $131 | $165 |
| Sports Car | $260 | $344 | $435 |
| Leased cars | $155 | $205 | $259 |
| 2 Door | $142 | $188 | $238 |
Here are the average monthly car insurance costs for a driver profile of age 35, married, based on driving history in Windsor:
| Driving History | Liability Only | Liability + Collision | Full Coverage |
|---|---|---|---|
| 1 one at-fault accident | $177 | $234 | $296 |
| 2 one at-fault accidents | $222 | $294 | $371 |
| 1 non-fault accident | $144 | $190 | $240 |
| DUI conviction | $260 | $345 | $435 |
| 1 Speeding Ticket | $139 | $185 | $233 |
| 2 Speeding Tickets | $160 | $212 | $268 |
How Does Windsor’s Average Car Insurance Cost Compare to Other Cities?
Average car insurance rates in some of the cities in Ontario based on the Insurance Bureau of Canada’s data from 2020:
- Toronto – $2,086
- Brampton – $2,698
- Mississauga – $2,131
- Markham – $1,615
- Vaughan – $1,644
- Scarborough – $1,920
- North York – $1,580
- Etobicoke – $1,680
- Hamilton – $1,475
- London – $1,267
Which Cars Have the Cheapest Car Insurance in Windsor?
Some models that are often considered to have lower insurance rates include:
- Honda Civic – $1,310
- Toyota Corolla – $1,321
- Ford Escape – $1,345
- Hyundai Elantra – $1,364
- Mazda3 – $1,379
- Subaru Outback – $1,330
- Kia Forte – $1,312
- Volkswagen Golf – $1,373
- Chevrolet Cruze – $1,381
- Nissan Altima – $1,341
How to Get the Cheapest Car Insurance in Windsor?
Here are some tips for getting the cheapest car insurance in Windsor:
- Shop around and compare quotes from multiple insurance providers. This can help you find the best coverage at the lowest cost.
- Consider increasing your deductible. A higher deductible can lower your premium, but make sure you can afford to pay the deductible if you need to make a claim.
- Take advantage of discounts. Many insurance providers offer discounts for things like a good driving record, multiple cars, and safety features.
- Drive a car that is less expensive to insure. As I mentioned earlier, cars with a good safety record, low repair costs, and low theft rates tend to have lower insurance premiums.
- Drive safely and avoid accidents. Your driving record is one of the most important factors in determining your insurance premium.
- Pay your premiums on time. Late payments can result in fees or even a policy cancellation, which can make it harder and more expensive to get insurance in the future.
- Consider bundling your car insurance with other insurance policies you may have, such as home or life insurance. This can often result in a discount.
- Work with an independent insurance broker who can help you compare rates and coverage from multiple insurance providers.
Windsor Car Insurance Facts
Here are some Windsor-specific car insurance facts:
- Windsor is located in Essex County and is part of the greater Windsor-Essex region in southwestern Ontario.
- The average cost of car insurance in Windsor is lower than the average cost in many other cities in Ontario. According to the Insurance Bureau of Canada, the average cost of car insurance in Ontario in 2020 was $1,505, while the average cost in Windsor was $1,341.
- As in other cities, car insurance rates in Windsor can vary depending on a range of factors such as your driving record, age, gender, vehicle make and model, and where you live in the city.
- Windsor has a relatively low crime rate compared to some other cities in Ontario, which may help to keep insurance rates lower.
- Some of the most dangerous intersections in Windsor include the intersection of Tecumseh Road East and Lauzon Parkway, the intersection of Wyandotte Street East and Parent Avenue, and the intersection of Dougall Avenue and Cabana Road West.
- To legally drive in Windsor, you must have a valid driver’s license, valid insurance, and a vehicle registration.
- Ontario has a no-fault insurance system, which means that in the event of an accident, each driver’s insurance company is responsible for covering their own costs and damages, regardless of who is at fault.
- Windsor is home to a number of car insurance providers and brokers, making it possible to find a range of coverage options and rates. It’s important to shop around and compare quotes to find the best coverage at the most affordable rate for your specific situation.
Top 10 List of Best Car Insurance Companies in Windsor
Here is a list of some of the best car insurance companies in Windsor, along with a brief company description and their star ratings from various review sources:
- Allstate Insurance Company of Canada: Allstate is a well-known and respected insurance company that offers a range of insurance products, including car insurance. They are known for their excellent customer service and flexible coverage options. They have a 4.2 star rating on Google reviews.
- Aviva Canada: Aviva is a large insurance provider that offers a variety of insurance products, including car insurance. They are known for their innovative insurance products and excellent claims handling. They have a 3.9 star rating on Google reviews.
- TD Insurance: TD Insurance is a subsidiary of TD Bank and offers a range of insurance products, including car insurance. They are known for their competitive rates and good customer service. They have a 3.7 star rating on Google reviews.
- State Farm Insurance: State Farm is a large American insurance company that operates in Canada, offering a range of insurance products, including car insurance. They are known for their affordable rates and excellent customer service. They have a 4.6 star rating on Google reviews.
- The Co-operators: The Co-operators is a Canadian insurance co-operative that offers a range of insurance products, including car insurance. They are known for their community involvement and commitment to sustainability. They have a 3.9 star rating on Google reviews.
- Economical Insurance: Economical is a Canadian insurance company that offers a variety of insurance products, including car insurance. They are known for their competitive rates and excellent customer service. They have a 3.2 star rating on Google reviews.
- Intact Insurance: Intact is a large Canadian insurance company that offers a range of insurance products, including car insurance. They are known for their innovative insurance products and excellent customer service. They have a 3.7 star rating on Google reviews.
- Belairdirect: Belairdirect is a Canadian insurance company that offers a range of insurance products, including car insurance. They are known for their competitive rates and user-friendly online tools. They have a 3.2 star rating on Google reviews.
- Desjardins Insurance: Desjardins is a large Canadian financial institution that offers a variety of insurance products, including car insurance. They are known for their competitive rates and excellent customer service. They have a 3.2 star rating on Google reviews.
- Wawanesa Insurance: Wawanesa is a Canadian insurance company that offers a range of insurance products, including car insurance. They are known for their affordable rates and excellent customer service. They have a 4.1 star rating on Google reviews.
Top 10 List of Best Car Insurance Brokers in Windsor
Here is a list of some of the best independent car insurance brokers in Windsor, along with a brief company description and their star ratings from various review sources:
- Renaissance Insurance: Renaissance Insurance is an independent insurance broker that offers a range of insurance products, including car insurance. They are known for their personalized service and competitive rates. They have a 4.7 star rating on Google reviews.
- Crosby Insurance: Crosby Insurance is an independent insurance broker that has been serving the Windsor area for over 30 years. They offer a range of insurance products, including car insurance, and are known for their knowledgeable staff and excellent customer service. They have a 5.0 star rating on Google reviews.
- Beaton Insurance: Beaton Insurance is an independent insurance broker that has been serving the Windsor area since 1949. They offer a range of insurance products, including car insurance, and are known for their personalized service and competitive rates. They have a 4.4 star rating on Google reviews.
- Bryson & Associates Insurance Brokers: Bryson & Associates is an independent insurance broker that offers a range of insurance products, including car insurance. They are known for their excellent customer service and competitive rates. They have a 4.4 star rating on Google reviews.
- Capital Insurance Brokers: Capital Insurance Brokers is an independent insurance broker that offers a range of insurance products, including car insurance. They are known for their personalized service and competitive rates. They have a 5.0 star rating on Google reviews.
- Erb and Erb Insurance Brokers: Erb and Erb is an independent insurance broker that has been serving the Windsor area since 1919. They offer a range of insurance products, including car insurance, and are known for their knowledgeable staff and excellent customer service. They have a 4.2 star rating on Google reviews.
- Morison Insurance: Morison Insurance is an independent insurance broker that offers a range of insurance products, including car insurance. They are known for their excellent customer service and competitive rates. They have a 4.9 star rating on Google reviews.
- Newman Insurance: Newman Insurance is an independent insurance broker that offers a range of insurance products, including car insurance. They are known for their personalized service and competitive rates. They have a 4.4 star rating on Google reviews.
- Petley-Hare Limited: Petley-Hare is an independent insurance broker that offers a range of insurance products, including car insurance. They are known for their excellent customer service and competitive rates. They have a 4.5 star rating on Google reviews.
- St. Clair Insurance Brokers Inc.: St. Clair Insurance Brokers is an independent insurance broker that offers a range of insurance products, including car insurance. They are known for their personalized service and competitive rates. They have a 4.9 star rating on Google reviews.
Tips for Drivers in Windsor
Here are some tips for drivers in Windsor:
- Watch out for potholes: The harsh winter weather in Windsor can cause potholes to form on the roads, which can be dangerous for drivers. Keep an eye out for potholes and slow down to avoid them if possible.
- Be cautious when driving in winter: Winter driving conditions in Windsor can be hazardous due to snow, ice, and slush on the roads. Make sure your car is equipped with winter tires and drive cautiously to avoid accidents.
- Follow speed limits: Speed limits are in place to keep drivers safe. Make sure you follow the speed limit and adjust your speed accordingly for road conditions.
- Stay alert for pedestrians: Windsor is a busy city with lots of pedestrian traffic. Always be on the lookout for pedestrians and yield to them when necessary.
- Don’t drink and drive: Drinking and driving is illegal and can have serious consequences. If you plan on drinking, make sure to have a designated driver or take public transportation.
- Use your turn signals: Always use your turn signals when turning or changing lanes. This helps other drivers know your intentions and can prevent accidents.
- Be prepared for construction: Construction is common in Windsor, especially in the summer months. Be prepared for detours and delays and plan your route accordingly.
- Avoid distracted driving: Distracted driving, such as texting or using a phone while driving, is dangerous and illegal. Stay focused on the road and avoid distractions while driving.
- Maintain your vehicle: Regular maintenance of your vehicle can help prevent breakdowns and accidents. Make sure your car is in good working condition, with functioning brakes, lights, and other safety features.
- Stay up to date on traffic and weather conditions: Before heading out on the road, check for any traffic or weather updates that could affect your route. This can help you plan your trip and avoid delays.
What are the Most Dangerous Intersections in Windsor?
According to the Windsor Police Service’s Annual Traffic Report, the most dangerous intersections in Windsor based on the number of collisions reported in 2020 are:
- Walker Rd & Division Rd (23 collisions)
- Tecumseh Rd E & Lauzon Rd (23 collisions)
- Tecumseh Rd E & Howard Ave (22 collisions)
- Walker Rd & E.C. Row Expressway (21 collisions)
- Walker Rd & Cabana Rd W (19 collisions)
- Ouellette Ave & Tecumseh Rd E (18 collisions)
- Howard Ave & E.C. Row Expressway (18 collisions)
- Tecumseh Rd E & Banwell Rd (18 collisions)
- Howard Ave & Eugenie St E (18 collisions)
- Dougall Ave & E.C. Row Expressway (17 collisions)
Total Reportable Collisions in Windsor
The number of total reportable collisions in Windsor from 2013 to 2021 are as follows:
- 2013: 5,134
- 2014: 5,133
- 2015: 5,291
- 2016: 5,502
- 2017: 5,814
- 2018: 5,697
- 2019: 5,684
- 2020: 5,747
About the Author: Valerie D. Hahn
Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.
