Cheap London Car Insurance Quotes

 

London drivers save $1,104* on average by comparing quotes on InsuranceHotline.com

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Mandatory & optional auto insurance coverage in London

Insurance typeMandatory coverageOptional/ 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.
Uninsured Automobile InsuranceProvides 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 BenefitsProvides 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.
Direct Compensation-Property Damage (DC-PD)OptionalDCPD is included in all standard insurance policies, but Ontario drivers can apply to remove it. DCPD pays to repair or replace your car if you're in a collision where the other driver is at fault. You lose this coverage by removing DCPD, as well as your ability to sue the other driver for repairs. 
Collision Coverage (Also Upset Coverage)OptionalCovers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property.
Comprehensive coverageOptionalCovers 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 CoverageOptionalCovers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc.
All-Perils CoverageOptionalCombines collision/upset and comprehensive coverage. Also, provides additional protection if a household member or an employee steals your vehicle.
OPCF 20: Coverage for Transportation ReplacementOptionalCovers 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)OptionalCovers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000.
OPCF 39: Accident Waiver/ForgivenessOptionalProtect your premium from rising when you have your first at-fault accident.
OPCF 16: Suspension of coverageOptionalThis allows you to suspend your insurance coverage for 30 days or more during periods when you aren't using the car.
OPCF 43: Waiver of depreciationOptionalEnsures your insurance company won't factor in depreciation when settling a claim; you will receive the amount you initially paid for the car.
OPCF 44R: Family protection coverageOptionalEnsures your costs are covered if you and your family are involved in an accident with a driver with less liability insurance than you. This endorsement will cover the remainder.
OPCF 13C: Limited glassOptionalFor a lower premium, you can limit or exclude any coverage for glass damage that might've been in your policy.
OPCF 40: Fire and theft deductibleOptionalAdds a deductible (an amount you must pay before your insurance company chips in funds) for a theft or fire damage claim.

Comparing rates is the easiest way for drivers to save on their London car insurance

Get quotes from 30+ providers in one simple step

London car insurance premiums can vary by hundreds, if not thousands, of dollars, so it usually pays to shop around.


Yet itis the daunting task of shopping around that leaves many drivers stuck with the same insurance company, paying more than they need to year after year. Our mission at InsuranceHotline.com is to make it easier for drivers and families to save money on London car insurance by aggregating auto insurance quotes for you. We understand that your time is just as valuable as your money, so we work with a network of more than 30 of Canada's most trusted insurance companies to find you the best rates available today.Get a quote that is 26% less than the average market rate.*

Compare instant online London in five minutes or less and join thousands of Canadians who have saved with InsuranceHotline.com.

*Based on the difference between the average lowest auto insurance premium and overall average auto insurance premium from our site in 2019.

Sample car insurance quotes completed for drivers in London, Ontario

Below are real quotes that were recently completed on InsuranceHotline.com by drivers living in London, Ontario

Male, age 24, London, ON

Driving: Mazda 3i Sport 4DR Hatchback

Rate: $3,500

Lowest Rate Available: $2,918

Insurance Company: Motors Insurance

Annual Savings: $582

Male, age 56, London, ON

Driving: 2014 Hyundai Sonata Limited 4DR

Current Rate: $1,629

Lowest Rate Available: $1,244

Insurance Company: York Fire Insurance

Annual Savings: $385

Female, age 34, London, ON

Driving: 2010 Ford Fusion SEL 4DR

Current Rate: $1,300

Lowest Rate Available: $1,209

Insurance Company: Lombard Insurance

Annual Savings: $91

Male, age 63, London, ON

Driving: 2014 Mercedes-Benz CLA250 4DR

Current Rate: $1,803

Lowest Rate Available: $1542

Insurance Company: Zenith Insurance

Annual Savings: $261

Female, age 22, London, ON

Driving: 2008 Volkswagen GTI 4DR Hatchback

Current Rate: $2,100

Lowest Rate Available: $1,717

Insurance Company: Ayr Farmers Mutual Insurance

Annual Savings: $383

Female, Age 43, London, ON

Driving: 2012 Honda Civic

Current Rate: $1,549

Lowest Rate Available: $1,384

Insurance Company: TD Insurance

Savings: $165

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London drivers, get your car insurance quote online and start saving today

Here's a little more insight into exactly what's involved in getting you the cheapest car insurance quote possible. 

Step 1: Complete a London car insurance quote

The first step to saving on your London car insurance is to fill out our easy step by step quote form. The entire process can be done in 5 minutes and at the end you are instantly provided with the lowest Canadian car insurance quotes available from our network of licensed insurance professionals. It really is that simple. 

Our unbiased search technology takes your information and compares your rate against more than 30 of Canada's most trusted insurance companies to help find you a lower London auto insurance rate. Try it now & join more than 1 million Canadians who have used our service to lock in car insurance savings.

Step 2: Connect with an actual insurance broker or agent who can answer your questions

Once you have your insurance quote the next step is to lock in your savings by speaking to a professional insurance broker or agent directly. Our drivers have told us that they prefer speaking with an actual human before they buy, which is why this step is so important. 

InsuranceHotline.com connects you with a licenced professional in London who can help get you setup with your new policy. We make the entire process of shopping for London car insurance quick and easy so that you can get back to your day. Life can be busy and complicated. Shopping for the best car insurance doesn’t need to be. Not anymore.

Step 3: Set yourself up for future savings too

Saving money on your London car insurance today is great, but why not extend the benefits beyond your initial quote?

At InsuranceHotline.com we can actively monitor our network and alert you when a better rate becomes available. Our rate alert service is optional, free, non-intrusive and occurs every 3 to 6 months depending on your level of preference. Just like mortgage rates, your car insurance premiums can change frequently. We will make sure you stay informed, for no charge and we will even remind you when it’s time for your next London auto insurance renewal. This courtesy service is one way we stay committed to your savings. 

Fun findings from London car insurance quotes

Thousands of London drivers have completed car insurance quotes on InsuraneHotline.com, and we happened to notice a few trends:

Average car insurance savings for drivers in London: $1,104*


Most popular vehicles insured by married couples in London: Toyota Camry, Toyota Corolla, Honda Civic, Toyota Rav 4


Most popular vehicles insured by singles in London: Chevrolet Cruze, Hyundai Elantra, Honda Civic

Average annual mileage for drivers in London: 14,394 km


Percentage of London drivers who have reported no accidents in the past 10 years: 87.17%

Most popular discounts for London drivers: Fanshawe College Alumni Association, The Alumni Association of the University of Western Ontario, King's University at the University of Western Ontario, London Health Sciences Centre


Data based on quotes completed by London drivers on InsuranceHotline.com between January 1 and December 31, 2018.

*Represents the average saved by London, Ontario, shoppers who obtained an auto insurance quote on InsuranceHotline.com and transacted via our contact centre between January and December 2022. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by InsuranceHotline.com.

About InsuranceHotline.com

InsuranceHotline.com provides online car insurance quotes in London, Ontario from over 30 competing insurance companies through its network of brokers and agents since 1994. 

We make it quick and easy for London drivers to instantly compare quotes and save money on their auto insurance. Don’t be fooled by other websites that claim to be focused on getting you comparative quotes. Unlike InsuranceHotline.com, many of them are in the business of selling car insurance and therefore they can’t give you the broadest set of quotes possible. Their quotes often operate in their own best interests, not yours. 

Although it may not be obvious at first glance, InsuranceHotline.com is supported by a large group of licenced insurance professionals who rely on us to connect them with qualified and interested consumers looking to pay less on their auto insurance. This allows us to offer the unbiased quotes millions of Canadians have depended on. By guiding you through a series of basic questions about your driving profile (e.g., claims history, how long you’ve been licensed, the type of car you drive, etc.), we can scan the market for comparative insurance quotes, saving you both time and money. Save time and money by completing a quote now.