At ThinkInsure, we’re here to help you get cheap car insurance in Ottawa. We know you want to find the lowest rates. By comparing quotes with our large selection of leading insurance companies in Canada, we can help you save more.
Rates may continue to increase. But, this doesn’t mean yours need to. We’ll help you get insured while keeping more money in your pocket. Start with an online quote or give us a call to compare your Ottawa insurance options.
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2021-09-24 00:24:58
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The home of Parliament Hill has more than 920,000 residents. There are more than half a million licensed drivers. This bilingual city is located on the banks of the Ottawa River in the Eastern part of Ontario. Its roads are bustling with commuters and travellers.
Set on a large portion of land, long commutes are the norm. This is especially the case during the cold and snowy winter months. Therefore, you need car insurance that will protect them against all threats and risks.
Even though Ottawa may not have the highest premiums, there are still a variety of savings opportunities. Get a quote with a us and lower your rates.
Ottawa car insurance rules are the same as the rest of the province. They are set by the provincial government. All drivers are required to carry a minimum amount of coverage. This includes liability, accident benefits, and direct compensation property damage. A no-fault system applies and you obtain insurance through private insurers.
Learn more about how auto insurance works on our Ontario auto insurance page.
What are the best ways for you to save on Ottawa auto insurance? Here are some tips on when you should get a quote and how you can lower your rates.
The costs for car insurance in Ottawa are lower than other larger cities in the province. Many drivers with clean driving records pay less than the provincial average of $1,634. Some pay between $900 and $1,100 annually. The average car insurance in Ottawa is $1,150.
Ottawa is known for their safe roads and car insurance rates reflect this fact. Premiums are generally less than other regions in the province. In some instances, you will pay hundreds of dollar less per year than in the GTA, for example.
Car insurance premiums typically are more if you live Napean and surrounding area. This includes Blossom Park, Greenboro, Leitrim and Findlay Creek.
Depending on where you live in the city, you could be paying as much as $1,000 more than others.
The most affordable neighborhood is the Gloucester area (Blackburn Hamlet, Pine View and Sheffield Glen). Drivers in this area commonly see premiums a few hundred dollars less annually.
See what postal codes are below the city's average rate of $1,151/yr.
| Area | Postal Codes | Average Rate |
|---|---|---|
| Ottawa | K1A, K1R, K2P, K2C, K2B, K2A, K1Z, K1V, K1S, K1P, K1M, K1N, K1L, K1K, K1H, K1G | ➜ Below |
| Orleans | K1C | ➜ Below |
| Napean | K0A | ➜ Below |
| Stitsville | K2S | ➜ Below |
| Gloucester | K1B | ➜ Below |
| Kanata | K2K | ➜ Below |
| Barrhaven | K2J | ➜ Below |
Where you live in Ottawa matters for how insurers calculate your insurance. Prices can vary significantly based on which neighbourhood you reside in.
That's where we can help you. With our large selection of partners we'll search for the best rate for your neighbourhood.
There are many factors that can affect the cost of your auto insurance. The main factors to consider are :
Here are some frequently asked questions we receive about car insurance :
Ottawa has lower auto insurance rates because companies consider it to be less risky. This means claims costs are lower versus other areas in Ontario. There are fewer instances of fraud and theft.
Yes you can get cheap Ottawa auto insurance with ThinkInsure. We are partners with over 50 leading companies in Canada. Our professionals will quickly search for the lowest quotes. You'll receive additional advice to make sure you save as much as possible.
Compare quotes or call us for a lower rate.Yes. Car insurance prices in Ottawa change frequently. Rate increases can happen multiple times per year. This is why it’s important to get a quote each time your insurance is up for renewal. A lot can happen in a year including how much you pay for insurance.
There isn’t a single company that has the cheapest rate in Ottawa. This will vary from provider to provider. Depending on your needs, one provider may offer better options. The best way to find the cheapest insurance is by comparing quotes.
Yes. All drivers are required to have car insurance in Ontario in order to legally drive in Ottawa.
Yes. Ottawa is known for having some of the lowest car insurance in the province. Drivers commonly pay less than the provincial average. Most pay significantly less than their Toronto counterparts.
Auto insurance rates in Ottawa, and the rest of the province are set by the Financial Services Regulatory Authority of Ontario (FSRA). All requests for rate changes by insurers must be approved by the FSRA.
Ottawa, much like many other cities, have seen insurance increase. There is an upward trend in the province. In general, they are increasing because of higher repair claim costs, accident stats, and fraud.
The nations capital is one of the countries largest and most congested cities. There are thousands of drivers on the roads each day. You’re bound to get caught up in traffic, experience delays, and see accidents. Let’s just hope you are not part of one. Protect yourself with a good car insurance policy. Pay less by exploring your options and finding affordable insurance rates.
Check out these useful information about Canada’s capital and driving in the city :
Driving conditions can change at a moment’s notice, especially during the winter months. You can expect everything from high winds to rain, sleet, snow, or a combination of all. The roads can get downright nasty at times. Having a proper auto policy will give you peace of mind in knowing you’re protected should something happen.
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There are more than 1.3 million residents in the metropolitan area. With millions visiting each year, Canada’s capital definitely requires that you have good car insurance.
It is known for its great communities, large highways, and traffic congestion. But it is actually one of the safest to drive in all of Canada. In fact, fatalities and injuries as a result of collisions have dropped by more than 50% over the past 3 decades. This is even with an increase in the number of drivers in the region.
It’s one of the reasons why car insurance rates are less than in other large cities. Here are some other important and interesting facts that impact driving and insurance :
Like any other city in the province, Ottawa offers a unique driving experience. With a combination of driving in residential areas, busy intersections, and along major roads, you should stay alert. One mistake could cause a spike in your auto insurance premiums.
Here are some tips to ensure you don’t have to file a claim and help you drive safely :
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