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Lower Your Ottawa Car Insurance Today. Shop for a Better Rate.

Are you paying too much for your Ottawa auto insurance rate? In all likelihood you are and at we’ll help you pay less for the coverage you need. In the time it takes you to make yourself a tea, you can compare Ottawa auto insurance rates from most of Ontario’s leading insurers to see if there’s a better rate to be had. And many drivers find that there are better rates available; in fact, on average drivers in Ottawa save $610 after comparing quotes at

Savings like these are possible because only at can search for your lowest Ottawa auto insurance rate from more than 50 insurers. No other auto insurance comparison tool has access to as many insurance providers as we do, which means you can be sure that your Ottawa car insurance premiums are the lowest available.

Get your Ottawa auto insurance quotes today to see how much you could be saving.

The type of car you drive is just as important to how much you pay for your Ottawa auto insurance as your location and your driving history. Owning a car with a low theft rank and higher safety rating, for example, will tend to be less to insure. Fortunately, the cars most driven by Ottawa citizens, based on quotes on over the past year do not appear on the Insurance Bureau of Canada’s annual ranking of most stolen cars.

  1. Honda Civic 
  2. Toyota Corolla 
  3. Mazda’s Mazda3 
  4. Hyundai Elantra 
  5. Honda Accord 
  6. Toyota Camry 
  7. Honda CR-V 
  8. Hyundai Accent 
  9. Hyundai Sonata 
  10. Volkswagen Jetta

Unlike other cities, where the top 10 most popular vehicles are all cars, in Ottawa the Honda CR-V cracks the list and is the sole SUV. And although less common, the Dodge Grand Caravan is popular with those who need a minivan to fit the family’s needs, and the Dodge Ram is the most popular pickup truck for those who need the cargo and towing capacity.

Ottawa’s population is growing at a faster rate (5.8 per cent) than both the province and the country, based on the most recent census data. With provincial growth at 4.6 per cent and national growth at 5.0 per cent, Ottawa’s charm is making it an increasingly popular place to call home. As a result, it makes sense that there would be more commuters on the road. Interestingly however, despite the growing population more Ottawa workers are choosing to take the car to work. 

According to the 2011 census, 60.3 per cent of Ottawa residents drove themselves to work, but in the space of five years this number grew to 62.7 per cent. It can come as no surprise then, that Ottawa drivers are spending more time on the road. With a growing population coupled with an increased reliance on the car to get to work the average commute time in Ottawa is 26.8 minutes each way. It’s a significant portion of your day on the road which means a greater chance at tickets and collisions.

Although it may sound cliché to say, it’s true: Drive carefully to keep your premiums as low as possible. Your Ottawa auto insurance premiums are, in large part, determined by your driving record. At-fault collisions and tickets will affect your premiums potentially for years; tickets could contribute to higher premiums for three years, while at-fault collisions may be a headache for at least six.

Fortunately, this is not a concern for most of the Ottawa drivers who shopped their car insurance premiums at Based on Ottawa auto insurance quotes in the last year, about 86 per cent said that they have no tickets to worry about, and almost 80 per cent (79.7 per cent) indicated they were crash-free for the last 10 years. This is all positive news when it comes to Ottawa auto insurance premiums because despite being a cliché, keeping your driving record as blemish-free as possible is a quick way to keep your hard-earned cash in your pocket.

Ottawa drivers love how much they save

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Three tips to lower your Ottawa car auto insurance rate

Ontario auto insurance rates are projected to increase, and residents in Ottawa will also face higher premiums like drivers in other parts of the province. But in the face of higher premiums, the following three ways will help you keep your premiums in check.

Shop around. Auto insurance isn’t one of those things you can set and forget. Premiums often change and the insurer who offered you the best rate last time you compared quotes, may not be the insurer who offers you the best deal today. Every three months, the Financial Services Commission of Ontario publishes the rate changes they approved, and there is always a handful of insurers whose rates will be changing. When rates change, as they often do, there is always an opportunity to save money by shopping your rate.

Ask about discounts.There are all sorts of discounts available and each insurer has them. There are the common ones you probably already know about, like the multi-vehicle discount (more than one vehicle on a policy), multi-line discount (insuring both your home and auto with the same provider), as well as the winter tire discount. But there are also likely ones you don’t know about, so ask your insurer about the discounts they offer. It will start a dialogue that could result in you saving money.

Go over your policy with your insurance provider to see if there are coverages in there that you may no longer need. If you drive an older vehicle, for example, you may decide that you no longer feel the need to keep the collision and/or comprehensive coverages. However, if these coverages are important to you, it may be time to review your deductible options. Often people keep their deductibles low because they don’t want to be out-of-pocket should they need to submit a claim. But rather than planning for the what if, why not capitalize on the savings to be had today by raising your deductibles? Of course, the deductibles you ultimately choose to go with need to be affordable, but if your deductibles are quite low, you could save five to 10 per cent if you raise them to $1,000.

How helps you lower your Ottawa car insurance rate

When you compare quotes for your Ottawa auto insurance needs, you can be confident that the rates you see are the lowest available from over 50 providers we search. The quotes come directly for the insurance providers and do not include any fees or added costs because our service is totally free. These are the same rates you would get if you went to each insurer individually, but why would you, when you can compare them all online at once at Save time, save money, by comparing Ottawa auto insurance quotes today.

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75% of Kanetix customers in Ontario who participated in the survey said Kanetix helped them identify an average savings amount of $610 (June – November 2017) on their car insurance. The cited amount represents the average difference between the best quote obtained at 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.