Panorama-London

Car Insurance London Ontario: Intro

auto-insurance-symbolWelcome to your Car Insurance Guide for London, Ontario. This page will give you an idea of Car Insurance Premiums in Ontario, will inform about savings opportunities and also provide number of other useful tips for choosing Car Insurance protection in London.

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What Are Typical Auto Insurance Premiums In Ontario?


Here are some car insurance average rates to give you an idea of insurance prices in Ontario and in Canada. The first chart shows rates comparison across several Canadian provinces. The second chart shows difference in car insurance premiums for drivers of different age. This difference can be quite considerable.

Overall consumers spend in Ontario more on Auto Insurance than in any other Canadian province. Despite recent government efforts to drive down auto insurance rates in Ontario these are still over-proportionally high when compared to the rest of Canada.

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How Can You Save on Car Insurance in London, Ontario?

  • Claim History: Keeping a clean claims history can sometimes be more financially feasible than submitting claims for small damage repairs which could result in increased premiums. Contacting an insurance provider/broker could help you find out what makes sense.
  • Private Garage: Parking your car in a safe location (e.g. private or secure garage ) normally results in lower insurance premiums with auto insurance providers.
  • Being married: In most provinces your marital status affects your insurance premiums (except in Nova Scotia).
  • Car Make and Model: Wisely choose your car, as some car models are more susceptible to theft or even have a history of more risky drivers (e.g. Toyota Camry, Acura MDX, Toyota RAV4, and Honda Civic are usually quite expensive to insure).
  • Minimal coverage: Driving an old car without large value? Get a minimal coverage required by law (mainly liability) w/o collision damage (you are still protected if you damage somebody’s car but damages on your car will not be covered).
  • Improving your driving record: Do you have a bad driving record? Every three years previously incurred tickets are removed from your insurance history and your insurance premiums can go down.
  • Car Insurance Deductibles: Increase your car insurance deductibles if you believe that you are capable of incurring higher payments for damages in case of an accident. This is especially suited for more experienced car drivers.
  • Alumni: Graduates from certain Canadian universities ( e.g University of Toronto, McGill University) might be eligible for a discount at certain Insurance providers.
  • Bundle: Do you need Home and Auto Insurance? Most companies will offer you a discount if you bundle them together.
  • Students: Being a student alone can result in a student discount
  • Interested in more saving tips for Car Insurance in London, Ontario? Get an insurance quote below and connect with an experienced insurance professional to get more tips.

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