Cheap Windsor Car Insurance Quotes

Windsor drivers save $596* on average by comparing car insurance quotes on

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How does Windsor auto insurance work?

If you happen to live and drive in Windsor, you must have valid auto insurance. Driving without it is against the law in Windsor and the rest of Ontario.

Basic insurance includes third-party liability, statutory accident benefits, and uninsured auto insurance. More coverage can be purchased if desired. However, doing so will increase your car insurance premium.

Windsor insurance works under a no-fault system and can only be bought from a private insurance provider. If you're looking for the cheapest auto insurance rates in Windsor, we recommend doing some comparison shopping on


Changes to Ontario's auto insurance in 2024

Ontario is currently in the process of reforming how auto insurance works in the province. The goal of this is to reduce the amount of coverage drivers are forced to take out, and in turn, lower their premiums.

Some of the proposed changes include:

  • Option to remove the caregiver benefit, housekeeping and home maintenance expenses benefit, income replacement benefit, and death and funeral benefits (benefits for medical, rehabilitation, and attendant care will remain mandatory, however).
  • Making auto insurance companies the first payer for medical and rehabilitation benefits (at the moment, a person's private medical insurance is the first payer). This change is meant to streamline the claims process and lead to earlier resolution.
  • Option to remove direct compensation for property damage (DCPD) coverage (in effect since January 2024).

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Get your Windsor car insurance quote online

As a car town, Windsor, Ontario is a major contributor to the automotive industry in Canada. It's the province's southern-most city, located across the Ambassador Bridge from Detroit. Thousands of people drive between Windsor and Detroit for work and leisure every day, making it one of the most unique cities in Ontario.

Many drivers, however, are still subject to Ontario's notoriously high auto insurance rates. If you're like the millions of Canadians who find themselves on looking to save money on their car insurance rates, you're in the right place.

Comparing is the easiest way to save. Get a quote that is 26% less than the average market rate.* Find out how much you can save by comparing 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 Windsor, Ontario

Below are real quotes that were recently completed on by drivers living in Windsor, Ontario:

Annual Savings: $371

Driver: Female, age 27, Windsor, ON

Driving: 2015 Ford Focus ZX4 4DR

Current Rate: $1,700

Lowest Rate Available: $1,329

Insurance Company: Wawanesa Insurance

Annual Savings: $294

Driver: Male, age 60, Windsor, ON
Driving: 2015 Lexus IS 250 4DR
Current Rate: $2,100
Lowest Rate Available: $1,806
Insurance Company: RBC Insurance

Annual Savings: $338

Driver: Male, age 28, Windsor, ON

Driving: 2016 Acura MDX

Current Rate: $3,000

Lowest Rate Available: $2,662

Insurance Company: Aviva Elite

Frequently asked questions (FAQs) about Windsor car insurance

Does my car insurance cover me if I drive into Detroit or other parts of the States?

Typically yes, but you'll want to make sure you speak with your insurance rep to ensure you have the right policy and the right amount of coverage. 

Tip: Many drivers who use the Windsor-Detroit Tunnel regularly utilize services like the Nexus pass and the Nexspress Program to save time and money crossing the border each day. 

What is comprehensive coverage?

Comprehensive insurance coverage is an optional coverage that the majority of drivers choose to add-on to the standard coverage required by the province. This type of coverage covers damage to your vehicle resulting from insured perils such as fire, falling objects, vandalism and theft, among other things. 

There's also collision insurance. This is a separate extra coverage often added in tandem with comprehensive. This covers your vehicle from damages occurring as the result of a collision with another object, including another vehicle. It covers the vehicle repairs and replacement costs for your vehicle.

What is's rate alert service?'s rate alert service helps you stay informed all year long. This is an optional, free service that lets you know when a better rate becomes available. We actively monitor our network and send you an email every 3 to 6 months (your preference) when cheaper car insurance becomes available. 

Just like mortgage rates, 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 you to renew your Windsor auto insurance. To opt in, look for the prompt during the quoting process.

Will I have an opportunity to ask questions during the quoting process?

Yes. Once you have completed your quote, the next step in the process is to speak with a professional insurance broker or agent directly. connects you with a licenced professional either by phone or email (your choice) who can answer your auto insurance questions and set you up with your new policy. 

How long does the quoting process take?

Filling out the quote form takes five minutes or less and at the end you're immediately provided with a list of custom quotes ranked in order from lowest to highest. All you have to do is answer a few questions about yourself, vehicle make and model, and driving history. 

Our unbiased search technology takes this information and compares your rate against more than 30 Canadian insurance companies and help find you a lower insurance rate. Try it now and join the millions of Canadians who have used our service to take advantage of Windsor car insurance savings.

Mandatory and optional car insurance coverage in Windsor

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.
OPCF 49: Agreement not to recover for loss or damage from an automobile collisionOptionalRemoves DCPD coverage from your Ontario Automobile Policy. You forfeit your right to compensation for physical damage caused to your vehicle by an at-fault driver. You cannot sue for repairs, either.

Fun facts for Windsor car insurance quotes completed on

Some trends we noticed from the thousands of Windsor car insurance quotes completed on

Average car insurance savings for drivers in Windsor: $1,058*

Most popular vehicles insured by Windsor married couples: Dodge Grand Caravan, Dodge Dart, Honda Civic, Mazda CX-5, Jeep Grand Cherokee

Most popular vehicles insured by Windsor singles: Chevrolet Cruze, Hyundai Elantra, Toyota Corolla, Honda Civic, Volkswagen Jetta

Percentage of drivers who have had no accidents in the past 10 years: 89.07%

Average kilometres driven by Windsor drivers annually: 13,630 km

Most common professional association discounts for Windsor drivers: University of Windsor, St. Clair College Alumni Association, St. Clair College Students, Unifor National, City of Windsor

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

Car insurance in Windsor: Things you should know 

Shopping for Windsor auto insurance quotes

The Windsor car insurance premiums on the same car with the same driver can vary by hundreds or even thousands of dollars, so it pays to shop around.'s mission is to make shopping for car insurance easy and affordable. Our service compares quotes from more than 30 of Canada's most trusted insurance providers in one simple step

We're not an insurance company, broker or agent, and we're not owned by any part of the insurance industry. This allows us to provide unbiased quotes that do not favour one company over another. Instead, the quotes we provide come from our network of insurance partners, which consists largely of brokers and agents. 

When you get your custom quotes, you're able to see the name of the individual insurance representative providing that quote. If you decide to purchase the policy, we'll put you in touch with this person with your permission. It's a smooth process that allows you to ask questions to a licenced insurance professional while also ensuring you get car insurance at the best available rate. Your information is always safe and secure with, a TRUSTe certified company.

*Shoppers in Windsor who obtained a quote on from January to December 2023 saved an average of $596 per year. The average savings represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third-lowest quoted premiums generated by