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How to get your car insurance quotes on Kanetix.ca:
1. Enter your info
Just tell us your postal code, driving experience and vehicle information.
2. Compare your quotes
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3. Choose the best quote
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4. Secure your rate
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Why compare Ottawa car insurance rates with Kanetix.ca?
Kanetix.ca has been helping Canadian drivers pay less for auto insurance since 1999. We work with over 50 of Canada’s top insurance companies to find you the best deal. Thousands of Ottawa drivers have benefitted from our fast, free service, and you can too!
Spend five minutes answering a few questions about your driving history, and we will show you the best available rates from Canada’s widest network of insurance companies. If you see a price you like, we will connect you directly with the provider to start your new policy.
It is a simple process that not only saves time by showing you multiple quotes in one place, but could also save you a lot of money. Last year, Ontario drivers who used Kanetix.ca to compare quotes, saved an average of $600.*
In addition to this, we make money from the insurance companies we work with, not from you. Kanetix.ca is 100% free to use.
Our service is fast and secure. Don’t overpay on auto insurance in Ottawa.
How much does car insurance cost in Ottawa?
The average Ottawa driver pays around $1,100 per year for auto insurance, but depending on individual circumstances, your premiums could be considerably higher or lower than this.
Insurance companies calculate rates on a case-by-case basis and there is no “one size fits all” price. Multiple factors are taken into consideration, including your home address, the vehicle you drive and your annual mileage.
As a result, predicting your car insurance premium is difficult without knowing a bit about you. The good news is Kanetix.ca has simplified the process for receiving and comparing quotes. We ask a few carefully selected questions and assuming you answer them correctly, the quotes we show you will be accurate.
How does Ottawa auto insurance compare with the rest of Ontario?
Ottawa is one of the safest cities to drive, anywhere! According to a recent government report (Canadian Motor Vehicle Traffic Collision Statistics: 2017), Ottawa has seen an average of 27 fatal collisions per year over the last five years. This is equal to 2.89 fatalities per 100,000 population, significantly lower than the national average of five fatalities per 100,000 population.
These stats are surprising when you consider Ottawa’s increasing population and the fact that there are over 500,000 drivers in the city, yet collision rates have remained relatively low compared with other urban centres.
Safer roads, coupled with Ottawa’s low auto crime rate, means cheaper car insurance. The Ottawa average of $1,100 is considerably lower than the Ontario average of $1,445 (Insurance Bureau of Canada, 2018 data) and almost half the price paid by drivers in Toronto, who can expect to pay around $2,000 per year for their car insurance.
This is good news for Ottawa drivers, but make sure you are making the most of your postal code, and compare rates on Kanetix.ca to find the cheapest annual premium.
How can I get cheaper car insurance in Ottawa?
The easiest way to find cheaper car insurance in Ottawa is to compare rates with Kanetix.ca. We work with Canada’s best insurance providers, and show you their quotes side by side. Insurance rates are constantly changing, so we recommend comparing quotes at minimum once per year. However, if you move, get married, or achieve some other milestone, then it’s also good to compare at these times as well.
Get some winter tires
As any Ottawa native will know, winter driving can be a challenge. Whiteout conditions, snowdrifts and frozen roads can be expected from November to April. It is no coincidence that January sees 40 percent more reported collisions than August (2018 Road Safety Report, City of Ottawa). Insurance companies know this, and drivers who invest in winter tires are rewarded with savings of up to five percent on their premiums.
Leave the car at home
One thing insurers want to know before providing a quote is how often you drive. It stands to reason that someone who drives every day has a greater chance of being involved in a collision than someone who drives once a week.
While Ottawa doesn’t have a subway like Toronto or Montreal, the transit options are still good. OC Transpo operate a fleet of almost one thousand buses, many on dedicated bus lanes, and the O-Train provides efficient service from the north end of the city to the south.
In the warmer months, consider walking or cycling to work instead of driving. Not only is this a healthier option, but your reduced drive time will see you rewarded with lower auto insurance premiums too.
Understand and avoid these risks when driving in Ottawa
When calculating your car insurance rate, insurers are assessing the likelihood of you getting in an accident. While Ottawa is a very safe city for drivers, it is not without risks. Consider these dangers when driving in Ottawa:
Fear the deer! Seriously, Ottawa has a higher number of wild animal collisions than anywhere else in Ontario. Exercise extreme caution when driving at dusk or dawn when deer are most active on Ottawa’s rural roads.
Avoid congestion, if you can. Ottawa has two major highway corridors, Ottawa-Carleton Regional Road 174 and the 417 Queensway. Both get congested and are responsible for a significant portion of Ottawa’s auto insurance claims. Steer clear if you can, especially during the morning and afternoon rush.
One way, or another. Downtown Ottawa’s network of one-way streets, often poorly signed, can be confusing for drivers. Take it slow and make sure you understand the rules.
Based on the number of collisions reported in 2018, these are the top 10 most dangerous intersections in Ottawa:
- Bank St @ Heron Rd (35 collisions)
- Hunt Club Rd @ Riverside Drive (34 collisions)
- Carling Ave @ Kirkwood Ave North (33 collisions)
- Innes Road @ Tenth Line Rd (32 collisions)
- Greenbank Rd @ Strandherd Dr (32 collisions)
- Merivale Rd @ West Hunt Club Rd (31 collisions)
- Industrial Ave/Innes Rd @ St. Laurent Blvd (28 collisions)
- West Hunt Club Rd @ Woodroffe Ave (28 collisions)
- Donald St @ St. Laurent Blvd (28 collisions)
- Prince of Wales Dr @ West Hunt Club Rd (28 collisions)
If you live near to one of these intersections, insurance companies may hike up your rates to cover the increased risk of an accident. Compare quotes on Kanetix.ca to find the lowest price.
How does car insurance work in Ottawa?
Car insurance companies operating in Ottawa are regulated by the Financial Services Regulatory Authority of Ontario (FSRA). Up until June, 2019, these duties were undertaken by the Financial Services Commission of Ontario (FSCO).
If you own a car, you must have an insurance policy with these four coverages:
- Uninsured Automobile Coverage.
- Statutory Accident Benefits.
- Direct Compensation Property Damage (DCPD).
- Third-Party Liability.
In the event of an accident, Ontario’s “no fault” system means you make a claim through your own insurance provider, regardless of who is at fault.
The same rules apply to all residents in Ontario. For more information, check out our Ontario auto insurance page.
Find the best deal on Ottawa car insurance with Kanetix.ca
Whether you live in Orleans, Kanata or at 24 Sussex Drive, Kanetix.ca can find you the best deal for car insurance. In 2018, Ontario drivers who used Kanetix.ca saved an average of $600.* We work with more Ottawa insurance providers than anyone else.
Every year, we help thousands of Canadians save time and money on auto insurance. But don’t take our word for it, see what our users have to say:
Auto Insurance Rates from Real Drivers
51 year old from ON.
MAZDA CX-3 GX 4DR AWD
33 year old from ON.
DODGE RAM 2500 SLT MEGA CAB 4WD DIESEL
76 year old from ON.
HYUNDAI ELANTRA GL 4DR
45 year old from ON.
NISSAN ROGUE SELECT S 4DR AWD
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*69% of Kanetix.ca customers in Ontario who participated in the survey said Kanetix.ca helped them identify an average savings amount of $600 (Jan – Nov 2018) on their car insurance, which represents 30.4% of their average annual premium of $1,973. The cited amount represents the average difference between the best quote obtained at Kanetix.ca and the current premium amount of participants in the survey. The savings amount varies by individual and does not constitute a guarantee; in each individual case, the difference may be smaller or greater than the savings amount cited.
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