Our car insurance guide for Windsor, Ontario informs you of average car insurance premiums, savings opportunities, the truth about common insurance myths and more. These tips will help you get the best car insurance rates in Windsor.
What are typical Car Insurance rates in Windsor?
The chart shows average rates of car insurance premiums in Ontario, and across Canada. The first chart compares rates among several Canadian provinces while the second compares rates by drivers’ ages. The differences are considerable.
Drivers in Windsor, and across Ontario spend more on auto insurance than any other location in Canada. Even though there have been recent government efforts to reduce these rates, they remain disproportionally high.
When compared to Toronto, Brampton, Mississauga and Hamilton, drivers in Windsor enjoy lower rates. Car insurance rates in the Windsor core, especially along Detroit River, are approximately $100-$125 per month. Monthly insurance premiums for the neighbourhoods outside of Windsor range from $85-$100.
Get to know all car insurance components
Car insurance consists of various pieces and some of them are mandatory. Others depend on your coverage needs and type of policy you want.
|
Insurance component |
Description |
Type |
|
Collision insurance |
This non-mandatory coverage is what covers your car after an accident. If your car is beyond repair, this policy provides a reasonable cost to replace it. |
Not mandatory |
|
Liability insurance |
This insurance covers damages you cause to the other person(s) in the accident. Damages include but are not limited to medical bills, lost earnings, legal fees, and more. In many provinces you can get sued to recoup the costs, and this can drive your financial responsibility into the millions. This mandatory coverage is not expensive; it is important to have more than just the minimum coverage required. |
Mandatory |
|
Comprehensive insurance |
Some risks are not from collision accidents, which is why comprehensive is available. This covers damages from things like extreme weather, fire, falling objects and vandalism. |
Not mandatory |
|
All perils |
All perils is for when somebody in your household steals your vehicle, it has been damaged by an additional driver, etc. |
Not mandatory |
|
Uninsured motorist / Hit-and-run coverage |
This mandatory coverage protects you from other drivers that are not insured, or that engage in hit-and-runs. |
Mandatory |
|
Accident Benefits |
Accident benefits help with medical and other expenses resulting from the accident. This includes but is not limited to nursing care, income replacement, etc. |
Not mandatory |
What cars are the most expensive ones to insure?
Car insurance rates in Windsor are linked to the types of claims associated with these cars; such as accident benefits insurance claims, collision insurance claims, comprehensive insurance claims, and direct compensation property damage insurance claims. Here are examples of cars (model years 2014-2018) with high insurance costs.
- BMW X6
- BMW 4th series
- Tesla Model S
- Cayenne
- BMW 3rd series
- Audi Q7
- Mercedes-Benz S series
- Hyundai Genesis
- Audi S5
- Mercedes-Benz CLS
- Mercedes-Benz C series
- Audi A5
- Subaru/Toyota BRZ
- Dodge Charger Ford Mustang
- Lexus IS
Other factors such as driving habits, age, driving history, location, policy type, and coverage also impact your car’s insurance rates. Your car’s model/make alone is not a great predictor how expensive your insurance rates will be.
7 Ways to save on Car Insurance in Windsor
It’s not easy to get cheap car insurance in Windsor since rates in this area are naturally high. However, it’s not impossible to get a good rate! Here are ways to reduce your car insurance rates.
- Being Married: Except for in Nova Scotia, your insurance premiums may be lower based on marital status.
- Car Insurance Deductibles: Experienced drivers that can afford to pay more out of pocket after an accident can increase their deductible to lower their premium.
- Minimal Coverage: If you drive an old, low value car, consider just having the minimum coverage. This means insurance will cover damages to the other car and driver if you have an accident, but damages to your car will not be covered. You’ll save money monthly, but remember, if you do this you must pay for your repairs or for a new car on your own.
- Leverage Rental Car Coverage: Does your policy cover rental cars? Then save on the collision damage waiver when renting a vehicle.
- Short Distance to Work: Your commute affects your premium. Living closer to work means a lower premium.
- Annual vs. Monthly Payments: Insurers prefer annual payments because this reduces their administration costs. This is why annual payments are cheaper than monthly ones.
- Shop Around: You’ll be surprised how different rates are for similar coverage, so be sure to shop around. Use online tools or speak with a broker who will advise you on the right coverage at the best rate. Also, reading auto insurance reviews can help you to avoid unexpected pitfalls.
Windsor Car Insurance quotes, examples
Sample car insurance quote #1:
A male driver, 45 years old, no claims in the last three years, no at-fault accidents, and no license suspensions. Vehicle: 2018 Mazda 3 GX, CAA member, comprehensive coverage (including collision). Policy: $1,000 deductible, 3rd party liability – $2,000,000.
$95 per month ($1,140 annually)
Sample car insurance quote #2:
A female driver, 52 years old, no claims in the last three years, no at-fault accidents, and no license suspensions. Vehicle: 2014 Ford Escape, collision-only coverage (no comprehensive). Policy: $1,000 deductible, 3rd party liability – $1,000,000.
$71 per month ($852 annually)
Sample car insurance quote #3:
A female driver, 34 years old, no claims in the last three years, no at-fault accidents, and no license suspensions. Vehicle: 2016 Toyota Camry, comprehensive coverage (including collision). Policy: $1,000 deductible, 3rd party liability – $1,000,000.
$119 per month ($1,428 annually)
Car Casualty Rates in Ontario (including Windsor)
Based on casualty statistics numbers from Transport Canada (2018), Ontario drivers operate safer than drivers in other provinces.
|
Province |
Fatalities per 100,00 licensed drivers |
Injuries per 100,00 licensed drivers |
|
NU |
74.2 |
928.0 |
|
YT |
24.1 |
681.1 |
|
SK |
15.8 |
517.5 |
|
PE |
13.2 |
573.8 |
|
NS |
10.2 |
978.9 |
|
NB |
9.0 |
484.3 |
|
AB |
9.0 |
530.0 |
|
BC |
8.0 |
555.7 |
|
MB |
7.6 |
1310.0 |
|
NT |
7.6 |
382.5 |
|
Canada |
7.2 |
575.0 |
|
NL |
6.6 |
460.8 |
|
QC |
6.4 |
622.1 |
|
ON |
5.8 |
491.3 |
Unfortunately, Ontario’s good driving record is not reflected in car insurance rates in Ontario. Rates are still among the highest in the country.
Car Insurance in Windsor – what you must know
- Car insurance is mandatory by law in Windsor and across the province of Ontario.
- Mandatory liability coverage is the minimum third-party liability coverage mandated by law and it is included in every car insurance policy. In Ontario it is $200,000.
- Other car insurance benefits in Windsor, Ontario include:
- Disability income benefits: 70% of your gross income up to the maximum allowance of $400 per week.
- Non catastrophic injuries: There is a standard maximum for medical, rehabilitation and attendant care expenses (physiotherapy, chiropractic treatment, an aide to assist you if you have been seriously injured, etc.) The maximum is $65,000.
- Catastrophic injuries: The standard maximum is $1,000,000.
- The maximum amount for caregiver benefits is $250 per week for the first dependant, and an additional $50 per week for each dependant.
- If you are unable to perform your usual housekeeping or home maintenance duties, you may be eligible for assistance to hire help. The maximum benefit for this is $100 per week.
- The standard amount of death and funeral benefits is $25,000 for your eligible spouse, and a further $10,000 for each dependant. There is also a maximum of $6,000 available for funeral expenses.
What cars are the least expensive ones to insure?
Some cars are less likely to get into an accident and when they do, the costs associated with repairs or replacement are lower. Here are examples of cars (model years 2014-2018) that cost less to insure.
- Smart Fortwo
- Ford F150
- Nissan Frontier
- Chevrolet Tahoe/Yukon
- Chevrolet Silverado/Sierra
- Fiat 500
- Ford Mustang Convertible
- Jeep Wrangler
- Buick Encore
- Honda CR-V
- Jeep Compass
- Chevrolet Equinox/Terrain
- Nissan Xterra
- Honda Pilot
- Hyundai Accent
Please note that your car’s model is just one of the many factors defining your insurance rates. Your driving history impacts your rates more than the model.
5 Car Insurance myths to know
Myth #1: It is more expensive to insure red coloured cars
It’s funny how long this myth has endured, since it is absolutely false! The color of your car has no bearing on the premium. Go ahead and get that hot pink, or candy apple red car you’ve always wanted.
Myth #2: If you get into an accident once or get a ticket, your insurance rates will always stay high
Accidents and tickets that affect your premium usually only do so for about three years.
Myth #3: Insurance works in the same way across all Canadian provinces.
Each province has its own system. Some use a no-fault system, some use a tort (at fault) system, and some use a mix of both. The system is not to decide who is at fault, but only to determine whose insurance pays the claim, and if you have a right to sue the other driver.
In some provinces, insurance is only available through one provider. In MB, SK and BC, MPI, SGI and ICBC respectively provide car insurance coverage.
Myth #4: Car insurance rates for cheaper cars are lower
A cheaper car does not mean a cheaper rate. Insurance rates for Honda Civics, for example, are typically higher than for many other more expensive models.
Myth #5: You do not have inform insurance the company if you move
Your location affects your rate and if you don’t tell your insurer that you have moved, they can deny your claim.
Frequently Asked Questions (FAQ): Car Insurance in Windsor, Ontario
Which car has the cheapest insurance in Windsor?
Typically, brands like Hyundai, Nissan, Ford, Buick, Chevrolet, and Jeep are cheaper to insure. Some series of BMW, Mercedes-Benz, Audi, and Lexus tend to cost more. More expensive cars have higher repair costs. Check the tables above for the exact makes/models.
How much is Car Insurance Windsor?
Car insurance costs in Windsor, Ontario, depend on many factors. On average, drivers in this region will pay between $100 and $125 monthly. That rate includes most neighborhoods along the Detroit River. Outside of Windsor, the rates are lower at around $85-$100 per month. It is important to remember that if you have a maximum of two violations in the last three years (not including parking tickets), you will pay 20%-35% higher rates. You’ll pay closer to double rates if you have a poor driving record. Also, younger drivers can expect significantly higher auto insurance premiums.
Car Insurance in Windsor – Reviews: where to find them?
Our proprietary insurance review platform has collected independent consumer reviews for different insurance and financial products since 2012. We now have thousands of insurance reviews. Click here for free access to all these car insurance reviews.
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