How to get the cheapest Ottawa car insurance quote
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Ottawa Auto Insurance Trends
Auto insurance premiums in Ottawa are generally trending upwards. When you look at the average premium amounts in Ottawa and compare it to the average premium in Ontario over the years, you can see that Ottawa drivers pay considerably lower premiums than the provincial average.
| Year | Ontario average Premium | Ottawa average Premium | YoY Changes (Ontario premiums) | YoY Changes (Ottawa premiums) | Total Fatal Collisions in Ottawa | Ottawa/Ontario Ratio |
|---|---|---|---|---|---|---|
| 2013 | $3,150 | $1,978 | N/A | N/A | 27 | 62.79% |
| 2014 | $3,193 | $1,989 | 1.37% | 0.56% | 29 | 62.29% |
| 2015 | $3,237 | $2,072 | 1.38% | 4.17% | 22 | 64.01% |
| 2016 | $3,110 | $1,839 | 3.92% | -11.25% | 26 | 59.13% |
| 2017 | $3,080 | $1,880 | -0.96% | 2.23% | 32 | 61.04% |
| 2018 | $3,309 | $2,120 | 7.44% | 12.77% | 27 | 64.07% |
Ontario and Ottawa average premiums
When you look at this data, there are some interesting correlations that provide insight into how and why car insurance rates change in Ottawa versus the rest of the province:
- Ottawa driver insurance premiums average about 60 to 64 percent of the average Ontario premiums
- When the total fatal collisions in Ottawa increase, insurance premiums will then increase the following year
- When the total fatal collisions in Ottawa decrease, insurance premiums also tend to decrease the following year
- Average Ottawa premium changes do not necessarily correspond to average provincial premium changes
- Even though there was a big increase in 2018, it’s still significantly less premium-wise than the Ontario average. However, the year over year change was almost double for Ottawa than it was for the province
Compared to other cities, Ottawa drivers continue to enjoy lower than average premiums, especially when compared to other major cities. For example, Toronto averaged $3,300 in 2018, Mississauga drivers averaged $3,726, and Vaughan averaged $3,878, according to our data. These averages were much more in line with the provincial averages in comparison to Ottawa.
While there are many outside factors that influence auto insurance rates, the majority of your premium is based on your personal driving record and insurance history.
The average annual auto insurance premiums for Ontario and Ottawa are calculated based on data from quotes completed on InsuranceHotline.com. Total fatalities in Ottawa are pulled from the City’s annual Ottawa Road Safety Report.
Why compare Ottawa car insurance quotes online?
Ottawa drivers may not experience the highest car insurance rates in the province, but that doesn't mean you can't save money on your premiums too. With auto insurance rates in Ontario expected to increase in 2018, comparing rates is often your best defence against premium increases (beyond maintaining a clean driving record, of course!).
That's why we launched InsuranceHotline.com back in 1994 to help drivers save money-and time-while shopping for car insurance in Ottawa and beyond. Get a quote that is 26% less than the average market rate.*
Find out how much you can save by comparing car insurance quotes today.
*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 Ottawa, Ontario
Below are real quotes that were recently completed on InsuranceHotline.com by drivers living in Ottawa, Ontario:
Annual Savings: $324
Driver: Male, age 52, Ottawa, ON
Driving: 2011 Mazda CX-7 GS 4DR 4WD
Current Rate: $1,200
Lowest Rate Available: $876
Insurance Company: Motors Insurance
Annual Savings: $437
Driver: Female, age 26, Ottawa, ON
Driving: 2015 Honda Civic 4DR
Current Rate: $2,000
Lowest Rate Available: $1,563
Insurance Company: Wawanesa Insurance
Annual Savings: $212
Driver: Female, age 38, Ottawa, ON
Driving: 2012 Nissan Sentra SE-R 4DR
Current Rate: $1,800
Lowest Rate Available: $1,588
Insurance Company: Lombard Insurance
Annual Savings: $370
Driver: Male, age 26, Ottawa, ON
Driving: 2016 Hyundai Elantra SE 4DR
Current Rate: $2,700
Lowest Rate Available: $2,330
Insurance Company: Kingsway Insurance
Annual Savings: $624
Driver: Male, age 53, Ottawa, ON
Driving: 2011 Lexus RX 350 4DR
Current Rate: $2,600
Lowest Rate Available: $1,976
Insurance Company: RBC Insurance
Annual Savings: $456
Driver: Female, age 31, Ottawa, ON
Driving: 2015 Dodge Charger RT 4DR
Current Rate: $1455
Lowest Rate Available: $999
Insurance Company: Johnson
Fun facts for Ottawa car insurance quotes completed on InsuranceHotline.com
Some trends we noticed that are unique to Ottawa drivers
Average car insurance savings for drivers in Ottawa: $282.55
Average kilometres driven each year by Ottawa drivers: 14,480 km
Most popular vehicles insured by Ottawa married couples: 2015 Dodge Grand Caravan, with 2010 Toyota Corollas and 2018 Honda Civics not far behind.
Most popular vehicles insured by Ottawa singles: 2018 Hyundai Elantra followed closely by 2018 Honda Civics
Percentage of Ottawa drivers who have had no accidents in the past 10 years: 88.44%
Most popular discounts for Ottawa drivers: Carleton University Students, Carleton University Alumni Association, Algonquin College Alumni Association, University of Ottawa Alumni Association, University of Ottawa Students
Data is from quotes conducted on InsuranceHotline.com between January 2018 and December 31, 2018.
Frequently Asked Questions (FAQs) about Ottawa auto insurance quotes
Why should I compare car insurance rates in Ottawa?
Comparing rates is the easiest way to see immediate savings on your auto insurance rates in Ottawa.
This is because different car insurance companies charge different rates depending on a number of factors, including their own insurance claims histories. If one particular company has processed a number of claims in your neighbourhood, for example, then they may charge you a higher rate for living there. Meanwhile, another company may have not had the same experience in your neighbourhood for one reason or another so they may offer a lower rate.
Hence the variances you see in rates that differ by hundreds, sometimes thousands, of dollars. This is where getting instant online Ottawa car insurance quotes comparing rates from a broad cross-section of the available insurance companies can help save you money.
Can you break down the steps to getting a car insurance quote in more detail?
1: Complete An Ottawa Car Insurance Quote
The first step to locking in extra savings on your Ottawa auto insurance is to fill out our easy step by step quote form. The entire process can be completed in 5 minutes or less and at the end you are instantly provided with the lowest Canadian car insurance quotes available from our network of licensed insurance professionals.
Our unbiased search technology compares your rate against more than 30 Canadian insurance companies to help find you a lower insurance rate in Ottawa. Try it now and be included with more than one million Canadians who have used our service to find car insurance savings.
2: Lock In Your Insurance Savings
Once you have received your quote, the next step is to lock in your insurance savings by speaking to a professional insurance broker or agent directly.
When you've selected the quote you'd like to go with or learn more about, InsuranceHotline.com connects you with a licenced professional who can help get you started with your new policy. Our mission is to make the entire process of shopping for auto insurance in Ottawa quick and easy so that you can get back to your day. Life can be busy and complicated, but shopping for the best Ottawa car insurance doesn't need to be. Not anymore.
How does InsuranceHotline.com provide the best car insurance rates in Ottawa?
InsuranceHotline.com is a one-stop shop for Ottawa, Ontario car insurance quotes. It's our mission to make finding the best deal on car insurance as easy as possible for drivers in Ottawa by obtaining real-time quotes from top insurance companies.
The power of InsuranceHotline.com is in our extensive list of insurance professionals who cover most of the major insurance companies and markets and help us deliver on the promise of lowering your car insurance costs. Unlike our competitors, we do not sell insurance ourselves. We act as a portal to the best available rates and you purchase your policy directly from an insurance representative. This allows us to eliminate any potential biases and offer you the most authentic rates.
Getting insurance quotes through InsuranceHotline.com is simple and only requires you to complete a couple of short steps. The questions are almost identical to what an insurance broker or agent would ask you and your information is guaranteed to be safe and secure. Get started with your insurance quote to see how much you can save.
Why are Ottawa car insurance rates increasing?
Insurers across the province, not just in Ottawa, are looking to combat the increasing costs associated with car repairs, distracted driving-related claims, and widespread insurance fraud across the province. These are the three biggest factors driving up insurance claims despite previous provincial efforts to reduce premiums throughout Ontario. Fraud alone is estimated to cost drivers hundreds of dollars each per year, an amount that is passed on through auto insurance premiums.
The province is launching its first Serious Fraud Office in the spring in an attempt to bring fair auto insurance to Ontario, but until then it's up to drivers to seek out savings. Comparing rates is obviously our favourite way to see immediate savings.
How can I get cheaper Ottawa car insurance in the future?
Insurance companies can apply for rate increases or decreases through the Financial Services Commission of Ontario (FSCO). This is why premiums sometimes change.
If you're interested in being notified when cheaper car insurance rates become available, you can sign up for our rate alert service when prompted during the quoting process. This service actively monitors our network to alert you when a better auto insurance rate in Ottawa becomes available. It's free, non-intrusive and occurs every 3 to 6 months depending on your preferences. Just like mortgage rates, Ottawa car insurance premiums can change frequently. We will make sure you stay informed absolutely free and we will even remind you when it's time for your next auto insurance renewal, which is where real savings happen.
