Car Insurance in Windsor

Windsor drivers save an average of $750 when they compare rates with us. In minutes, get the lowest rates from top insurance providers. 

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Cheap car insurance in Windsor

At, we find the lowest car insurance rates with all the coverage you require.

It's the law to have car insurance when you drive, but that doesn't mean that you don't need to overpay for it. Rates change about every three months, so it's likely that your premiums have changed recently too. You may have got a great rate last year, but don't be surprised to find out you qualify for a lower rate with another insurer. Compare Windsor auto insurance quotes today to find that lower rate at It's secure, free and easy to use.

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Check out these rates we've secured for customers across Canada.

Types of coverage in your car insurance policy

Your car insurance policy is made up of the following coverages:

Mandatory coverages

  • Accident benefits: Accident benefits cover those injured in a vehicle in the event of an accident. Coverage can include medical and rehabilitation costs, funeral expenses, death benefits, as well as income replacement. As of June, 2016 there have been some changes to mandatory accident benefits. To learn more, check out: Ontario Car Insurance Is Changing. What You Need to Know

  • Uninsured motorist coverage: This component of the standard Ontario auto insurance policy provides coverage for you and your family if you are in an accident and are injured or killed by a hit-and-run driver or by a driver who is not insured.

  • Third party liability: Third party liability coverage pays for a legal claim against the policyholder in the event that they are responsible (whether wholly or partially) for a collision that causes injury or damage to a third party. The minimum coverage requirement is $200,000 although most drivers take at least $1 million.

  • Direct compensation - Property damage: This component of your policy provides coverage for damage to your car and any property inside the car as a result of an automobile accident in which you are not-at-fault.

Optional Coverages

  • Collision: This covers damage to your vehicle as a result of an impact or collision with another vehicle or object.

  • Comprehensive: This insures your car against damage caused by non-collision-related events like theft and vandalism.

Both of these optional coverages typically come with a deductible. A deductible is the portion of an insurance claim you agree to pay. Generally, the higher the deductible, the lower your car insurance rate.

      What goes into your Windsor car insurance rate?

      Windsor is the southernmost city in Canada, located on the southern shore of the Detroit River and continues to be a major contributor to the automotive industry in Canada. Motorists that reside in Windsor face challenging driving conditions and experience all the frustrations that major cities present each day. The possibilities of car theft and getting into accidents or collisions are risks that insurance advisors and brokers examine carefully before providing a customer with a car insurance quote.

      The following factors are also considered when insurance costs are being determined:

      • Your commute: Drivers who work close to home or use public transit to get to work usually enjoy lower premiums than those who need to commute long distances on a busy roads. Simply put, those who don't drive as often are not as likely to get into an accident.

      • Your driving history: Past driving behaviour, including accidents, infractions, tickets or charges can count against you when your insurance rate is being calculated. Those with clean driving records should end up saving on insurance costs.

      Other ways to lower insurance costs in Windsor

      Take advantage of a multi-line discount

      Customers who buy multiple policies, like car and home insurance, from the same insurance firm may enjoy savings all around. 

      Ask for discounts

      When buying car insurance, you should always discuss all possible discounts with your carrier before finalizing your policy. Further savings may be applied if you have taken and passed a driver training course, got good grades in school, or even joined a certain organization, among other things.

      Increase safety and security

      Slick roads in Canadian winters should be enough to persuade most Windsor drivers to use snow tires during the winter months. However, customers from Windsor and throughout Ontario are also benefiting from a winter tire discount on their insurance. 

      Since January 1, 2016, when the measure was introduced by the provincial government, those who buy and install four winter tires in November and keep them on until April can save up to 5 per cent on car insurance rates.

      Drivers that are enrolled in some type of roadside assistance program or have vehicles with certain safety and security features may also be offered a slight discount on their insurance premiums. 

      Shop around when life changes

      Auto insurance rates in Windsor change frequently. This is why you should shop around annually at renewal, as well as when your lifestyle changes, to make sure you're not overpaying for your coverage. If you get married, move, buy a new car or retire, you should definitely compare rates quickly to see if you can qualify for a lower auto insurance rate.

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      Major Conviction, Minor Conviction...What's the Difference?

      Mar 20, 2018

      A part of what goes into determining your auto insurance rate is your driving record, including any tickets you may have received. There are a variety of different types of tickets and some have more influence on your premiums than others.

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      Mar 19, 2018

      Brace yourself. Auto insurance rates are expected to increase, Canada-wide, this year and this is bad news for Ontario drivers who already pay more for coverage, on average, than any other province.

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      Seasons Change and So Does Your Car Insurance

      Mar 19, 2018

      A change in season is the ideal reminder to take a few quick minutes to see if you're still getting the best car insurance rate out there. And now that spring has officially sprung, it's time to see if you could spring into some savings on your car insurance.

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      *60% of Kanetix customers in Ontario who participated in the survey said Kanetix helped them identify an average savings amount of $776.58 (December 1, 2015 - February 29, 2016) 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.