Jamie MacDonald
2026-05-07 14:59:32
★★★★★
Dylan Smith was a fantastic rep! Enjoyed our conversations and he was incredibly helpful and quick to get my policy replaced with a new one. Thank you.
Car insurance in Windsor: find a lower rate and save
The average cost of car insurance in Windsor is $2,164 per year. This is about $297 less than the provincial average of $2,461.
As a border town, there is a lot of traffic that passes through the city along Highway 401 and across the Ambassador Bridge and Windsor-Detroit Tunnel. So, it's important to have good car insurance for an affordable rate, especially if you cross over to the U.S. regularly.
While driving needs vary, you need to have a policy that protects you in both countries. But this doesn't mean you have to pay higher premiums. ThinkInsure partners with the leading insurance companies in Canada. We can help you compare car insurance quotes and find the lowest rates and coverage in Windsor.
Top takeaways about Windsor car insurance
- Windsor car insurance premiums average $2,164.
- Auto insurance premiums have increased by 4.08% in 2025 in Windsor.
- Windsor postal code area N9E has the most affordable auto insurance rates, and N8X is the most expensive.
Current rate data reflects a rolling 12-month average of ThinkInsure quote submissions as of May 2026.*** See our methodology.
$2,164/yr
is the average auto insurance cost in Windsor
N9E
is the most affordable postal code area
30% lower
insurance rates for mature drivers
19th highest
average premiums in Ontario
How much does car insurance in Windsor cost?
Car insurance in Windsor averages about $2,164 per year, roughly $180 per month, based on ThinkInsure quote data as of May 2026. That is about $297 below the provincial average for Ontario car insurance ($2,461), among the lowest of any Ontario city. Your own rate depends on your postal code, vehicle, age, and driving record.
Average premium breakdown for Windsor drivers
Here's a breakdown of how much you can expect to pay:
- Annually: $2,164
- Semi-annually: $1,082
- Quarterly: $541
- Monthly: $180.33
- Weekly: $41.62
- Daily: $5.93
Current rate data reflects a rolling 12-month average of ThinkInsure quote submissions as of May 2026.*** See our methodology.
How to compare Windsor car insurance quotes
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3
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Helping Windsor drivers save on auto insurance!
Recent Windsor car insurance quotes
Changes are coming to car insurance in 2026
Ontario's auto insurance rules are shifting on July 1, 2026, giving drivers across the province more control over their coverage and premiums.
Key updates for Windsor drivers
- New optional benefits: Several accident benefits that were once automatic including income replacement, caregiver, and housekeeping benefits are becoming optional under new provincial reforms.
- What stays mandatory: Medical, rehabilitation, and attendant care benefits remain included on every Ontario policy.
- Renewals: Your policy automatically renews with the same coverage you have today unless you choose to opt out or change benefits.
- New policies: Optional benefits are not included by default as of July 1, 2026 so you'll need to add them to stay fully covered.
- Trade-off to consider: Opting out may lower your premium slightly, but it can mean losing access to significant financial protection if you're injured.
For the full breakdown of what's changing, who's covered, and how to decide what's right for you, see our Ontario auto insurance reforms guide.
Auto insurance rates in Windsor compared to cities in Southwestern Ontario
As one of the region's larger cities, Windsor residents typically pay more than neighbouring communities. Only London ($2,267) has higher rates in Southwestern Ontario. Windsor can be up to $500 or more compared to smaller cities in the region.
| City | Average Annual Premium |
|---|---|
| Tecumseh | $1,967 |
| Windsor | $2,164 |
| Leamington | $1,782 |
| Essex | $1,609 |
| Belle River | $1,387 |
| Chatham | $1,743 |
| LaSalle | $1,943 |
| Tilbury | $1,495 |
What postal code areas in Windsor have the lowest car insurance?
The cheapest car insurance in Windsor is in South Windsor (N9E), around $1,473 per year, with West Windsor / LaSalle (N9J) close behind near $1,644. The most expensive area is N8X (South Central, West Walkerville) at about $2,994. The gap across Windsor postal codes is more than $1,500 a year.
Your insurance costs can be influenced by the area you live in within a city. In Windsor, the difference between postal codes could be up to $1,500 or more annually.
For example, postal code N9E (South Windsor) has the most affordable rates at $1,473. N8X (South Central, West Walkerville) is the most expensive at $2,994.
| Area in City of Windsor | Postal Codes | Avg Premium |
|---|---|---|
| Tecumseh | N8N | $2,094 |
| East Riverside | N8P | $2,101 |
| East Forest Glade | N8R | $2,236 |
| Riverside | N8S | $1,901 |
| West Forest Glade, East Fontainbleu | N8T | $1,835 |
| Walkerville, South Walkerville, Devonshire Heights, Walker Farm, Fontainebleau | N8W | $2,072 |
| South Central, West Walkerville, Remington Park | N8X | $2,994 |
| East Windsor, East Walkerville | N8Y | $2,042 |
| City Centre | N9A | $2,378 |
| Bridgeview, South Cameron | N9B | $2,317 |
| Sandwich, Ojibway, West Malden | N9C | $2,047 |
| South Windsor | N9E | $1,473 |
| Roseland | N9G | $1,831 |
| East Windsor, LaSalle | N9H | $1,784 |
| West Windsor, LaSalle | N9J | $1,644 |
| Windsor | N9K | $1,944 |
How have Windsor car insurance premiums changed year to year?
Windsor car insurance rose about 4% from 2024 to 2025, with the calendar-year average reaching $2,065. Rates have stayed fairly steady since 2019, mostly between $1,890 and $2,220. The current rolling 12-month average is about $2,164 per year, well below the provincial average.
Car insurance premiums in Windsor increased 4.08% from 2024 to 2025. In general, they are trending upward again, but have remained stable over the past few years.
Insurers rely on collected data regarding claims, repair costs, accidents, and several other factors to determine these changes. Your driving history and potential eligibility for supplementary discounts further contribute to these rate adjustments.
Here is a breakdown from 2019 to 2025:
Windsor car insurance rates from 2019-2025
| Year | Average annual premium |
|---|---|
| 2025 | $2,065 |
| 2024 | $1,984 |
| 2023 | $2,219 |
| 2022 | $1,922 |
| 2021 | $1,891 |
| 2020 | $1,927 |
| 2019 | $1,939 |
| Average rate (2019-25) | $1,992 |
Estimated premiums from 2019-2025.** See our methodology.
ThinkInsure Tip: Minimum mandatory coverage offers minimum protection
Most drivers have more than the minimum required coverage. Increase your policy limits and add optional coverage to personalize your policy and get additional protection against more perils and potential threats.
Mandatory and optional car insurance in Windsor
Ontario requires a minimum level of coverage, but most Windsor drivers carry more than the provincial minimums and for good reason. Proper coverage protects you against the cost of accidents, theft, and claims.
Here is what your Windsor car insurance policy must include and what you should consider adding.
Required minimum auto coverage
| Mandatory coverage | Included in all auto insurance policies | Policy limits |
|---|---|---|
| Third-party liability (TPL) | Covers liability claims against you from an at-fault accident. Basic plans have $200,000 in TPL coverage. | Coverage can be increased up to $2 million. |
| Accident benefits (AB) |
Covers the driver and passengers if injured in an accident, including costs above what OHIP covers. Includes medical, rehabilitation, attendant care, caregiver, funeral, disability income, death benefits, and income replacement. Limits apply and can be increased.
NOTE: As of July 1, 2026, several accident benefits become optional under the Ontario government's reforms outlined in the 2024 Ontario Budget. Medical, rehabilitation, and attendant care remain mandatory. Other benefits (including income replacement and caregiver benefits) become opt-in. See our Ontario auto insurance reforms guide for the full breakdown. |
Increase standard limits for both non-catastrophic ($130,000) and catastrophic ($2 million) injuries. |
| Uninsured motorist |
Also known as uninsured automobile coverage. It covers you if you are
injured by an uninsured driver or in a hit-and-run.
Standard coverage is $200,000. |
Additional coverage up to $1 million. |
Optional coverage to enhance your policy
| Optional insurance coverage | Coverage can be added to your policy | Recommended |
|---|---|---|
| Collision coverage | Protection if you are involved in an accident with another vehicle or an object (e.g., a tree, street sign, or light post). |
|
| Comprehensive coverage | This protects you from loss or damage from non-driving events. Coverage includes theft, vandalism, falling objects, and damage from the weather (wind, hail, flooding). |
|
| All perils | This combines collision and comprehensive. You have protection for all perils unless they are expressly excluded. | |
| Specified perils | Your policy protects all the perils listed. Anything listed is covered. This is more affordable than comprehensive while still providing most of the protection. | |
| Direct compensation property damage (DCPD) | DCPD covers damage for accidents when you are not at fault. It also covers loss of use. This is part of the no-fault system. As of January 1, 2024, drivers have the ability to opt out of this coverage using OPCF 49. |
|
| Emergency roadside assistance | Get roadside assistance when you need it. Many insurers offer this as part of their policy or as an add-on. Some services include towing, battery boost, flat tire, and more. |
Additional coverage options
| Endorsements | Coverage to customize your policy | Recommended |
|---|---|---|
| Agreed value of automobiles (OPCF 19A) | Insurers agree to pay a specific amount if your vehicle is a total loss. | |
| Transportation replacement (OPCF 20) | Covers rental car insurance and transportation if your vehicle was stolen or while getting repaired. |
|
| Rental car coverage (OPCF 27) | Coverage for when you drive vehicles that are not your own, such as a rental car. |
|
| Accident forgiveness (OPCF 39) | Protects your driving record after your first at-fault accident. Your first collision will not impact your premiums. |
|
| Waiver of depreciation (OPCF 43) | Insurers cannot deduct depreciation from your vehicle's value when making a claim. |
|
| Family protection (OPCF 44R) | Covers you or your family if you are injured, even if you're not in the car when the accident happens. |
|
| Agreement Not to Recover for Loss or Damage from an Automobile Collision (OPCF 49) | Removes DCPD coverage from your policy. |
Car insurance discounts available in Windsor
Insurers offer a wide range of discounts. Ask about the discounts you may qualify for to lower your premiums:
Winter tires
Install winter tires on your vehicle.
Save up to 5%
Multiple vehicles
Insure all your vehicles with the same insurer.
Save up to 10%
Private parking
Park in your private garage or driveway.
Save up to 8%
Usage based insurance
Get rewarded for your good driving habits.
Save up to 30%
Driver training
Complete an approved driver education program.
Save up to 10%
Electric or hybrid
Drive an eco-friendly vehicle and save more.
Save up to 10%
How do I get cheap car insurance in Windsor?
You need to drive safely, avoid accidents, and stay claims-free. At a minimum, this will prevent you from seeing rates increase because of your driving behaviours.
But finding cheaper rates for car insurance in Windsor is more than just driving safely. With so many insurers to choose from, you are doing yourself a disservice if you do not check quotes from multiple companies. Exploring your options enables you to take advantage of discounts, find savings opportunities, and choose the right insurance for you.
Why choose ThinkInsure for your car insurance in Windsor?
We've served the Ontario insurance market for over 50 years.
RIBO licensed advisors to assist you with all your insurance needs.
Compare coverage and rates from our large selection of auto insurance providers.
Get exceptional customer service. We like happy customers and have a 4.7/5 Google rating.
Windsor car insurance FAQs
Yes, your Windsor auto insurance is still valid if you cross the border into the United States. However, your insurance may vary when you are in the U.S. Speak with your insurer about your level of coverage when travelling outside of the province.
Comparison shopping is the most effective way to find the right policy to meet your insurance needs. You'll find the right coverage and the most affordable auto insurance rates in Windsor. Compare quotes today to see how much you could save.
No. Having a Nexus pass and traveling frequently in the U.S. does not affect your car insurance rates in Windsor. A Nexus pass will help you reduce wait times at border crossings.
Windsor residents have access to many insurance companies, not just the top names you know. The best insurance company for you will depend on your specific driving needs. For some, this may be Intact or Aviva. For others, it may be Travelers, Wawanesa, or another insurer. The only way to know for sure is compare rates from multiple providers.
Get affordable car insurance in Windsor and save $564* by comparing rates from Canada's top providers with ThinkInsure.
5 star auto insurance in Windsor
KCAP KCAP
2026-05-07 14:46:38
★★★★★
Big shout out to Darryl for helping me out and turning a sour experience to a splendid one Shubham left me in the wind for a couple days even after I had a his team member reach out to him and left a voicemail . Called back the next day and Darrly handle everything on the spot so thank you Darryl
Zhiqing Xu
2026-04-30 20:06:56
★★★★★
Had a great experience with Sohel Rahman. The whole process is easy and clear without any unnecessary back and forth. Got the insurance exactly as I wanted in 1 day. Highly recommended!
Chris Arsenault
2026-04-21 20:09:51
★★★★★
Great experience with Todd Allen at ThinkInsure. Very professional and helpful. Thanks Todd!
Russell Turner
2026-04-21 14:26:53
★★★★★
Gabe was great and looked after my issue
Sandy Kerr
2026-04-19 13:47:28
★★★★★
I would like to recognize our Broker, Jeff Plesman to thank him for always providing us with outstanding and professional customer service. Thank you so much Jeff, we appreciate you. ;-)
Tony Sturino
2026-04-17 20:37:33
★★★★★
Gabe, as usual takes care of my demanding insurance issues, very professional, I like the way he calls to update me on any new features Thanks again
Anna Kacina
2026-04-16 15:29:05
★★★★★
Excellent service, great price
What factors affect car insurance costs in Windsor?
Car insurance rates are different for each driver in Windsor. There are a variety of factors used by insurers to determine how much you will pay for premiums. Some of the most important factors are the vehicle you drive, where you live, driving and insurance history, and coverage limits.
Windsor auto insurance premiums by driver type
Your age, driving record, and vehicle matter most for Windsor car insurance. Drivers under 25 pay about 37% more than the average driver, while those 50 and over pay about 30% less. A single at-fault accident adds about 26%, and a cancellation or suspension about 16 to 17%.
Your auto insurance payments are impacted by your driver classification. Elements like age, demographics, driver classification, and driving record are considered by insurance providers when establishing your premiums.
We examined our Windsor customer quote data to assess how these factors affect your payments. Here's what we uncovered:
- Mature drivers pay almost 30% less, and younger drivers pay over 35% more.
- Men and women pay about the same in Windsor. However, single individuals pay more than $200 per year more than married individuals.
- Accidents and tickets hurt the pocketbook. Expect an increase of close to 25%.
| Premium | Monthly | Difference | |
|---|---|---|---|
| Driver type | |||
| Young drivers (25 and under) | $2,685 | $224 | 36.92% |
| Middle age (25 - 50) | $1,928 | $161 | -1.68% |
| Mature/senior drivers (50+) | $1,373 | $114 | -29.98% |
| Demographics | |||
| Male | $1,901 | $158 | -3.06% |
| Female | $2,041 | $170 | 4.08% |
| Married | $1,562 | $130 | -20.35% |
| Single | $1,968 | $164 | 0.36% |
| Driving record | |||
| 1 ticket within the past 3 years | $1,971 | $164 | 0.51% |
| 1 accident in 3 years | $2,467 | $206 | 25.80% |
| 1 cancellation in 3 years | $2,267 | $189 | 15.60% |
| 1 suspension in 3 years | $2,298 | $192 | 17.19% |
Current rate data reflects a rolling 12-month average of ThinkInsure quote submissions as of May 2026.*** See our methodology.
Combine coverage and save on multi-vehicle insurance in Windsor
Owning more than one vehicle can save you money on both if you insure them with the same company. Based on our customer data, Windsorites save an average of $338 per vehicle with a multi-vehicle policy.
| Average rate | Average rate per vehicle | Total savings | Savings per vehicle | |
|---|---|---|---|---|
| 1 car | $2,164 | $2,164 | ||
| 2 cars | $2,978 | $1,489 | $675 | $338 |
Current rate data reflects a rolling 12-month average of ThinkInsure quote submissions as of May 2026.*** See our methodology.
Windsor car insurance premiums by vehicle brand
The cheapest vehicle brands to insure in Windsor are Nissan (about $1,469 per year), Volkswagen ($1,548), and Mazda ($1,636). The most expensive include Mercedes ($2,525), Kia ($2,361), and BMW ($2,339). Choosing a lower-cost, safer vehicle can save you hundreds of dollars a year.
The type of car you drive can impact your premiums by hundreds of dollars. See how the brand affects insurance in Windsor:
| Vehicle brand | Premium | Monthly payment |
|---|---|---|
| Honda | $2,166 | $181 |
| Toyota | $1,862 | $155 |
| Ford | $1,870 | $156 |
| Kia | $2,361 | $197 |
| Lexus | $2,245 | $187 |
| Chevrolet | $1,897 | $158 |
| RAM | $1,913 | $159 |
| Dodge | $1,913 | $159 |
| Jeep | $2,326 | $194 |
| Subaru | $1,758 | $147 |
| Mazda | $1,636 | $136 |
| Nissan | $1,469 | $122 |
| Volkswagen | $1,548 | $129 |
| Mercedes | $2,525 | $210 |
| BMW | $2,339 | $195 |
Talk to an advisor about your Windsor auto insurance needs
Our RIBO licensed advisors have got you covered for finding the best auto insurance rates and coverage. Get non-biased auto insurance advice, personalized coverage and the lowest rates with a ThinkInsure car insurance expert.
Personalized coverage
Our advisors will ensure you have proper coverage for your unique driving needs.
Compare multiple quotes
We will instantly compare quotes and discounts from our large selection of insurance providers to find you the lowest rate. By comparing quotes, we help Windsor drivers save an average of $564*.
Get your auto policy
Choose the provider that offers the best coverage and rate for your needs. We often can get you insured with a new automobile policy on the same day.
Speak with an advisor today!
Call us if you have complex coverage needs, need to renew today or want to insure multiple vehicles. We often can get you insured with a new automobile policy on the same day.
Get expert savings advice
Keep a clean driving record. Choose a vehicle with strong safety ratings. Consider raising your deductible if you can pay more out-of-pocket. Ask about discounts for bundling your insurance policies.
Wasim Khan
Insurance Broker (RIBO)
Want to save on your auto policy? We can help!
Monday-Friday: 8am-6pm
Methodology and sources
Disclaimer:
- Estimated car insurance quote data is from Windsor drivers who completed an online car insurance quote on ThinkInsure.ca.
- Drivers have a G licence, standard full coverage, $1 million liability limit, $1,000 comprehensive and collision deductible, and applicable discounts.
- Premiums can vary based on your driving and insurance history.
- All personal information related to estimated quotes has been kept strictly confidential.
* Based on the difference between the average lowest premium and the overall average premium in Windsor for estimates completed from January 31, 2025, to January 31, 2026.
** Estimated premiums from 2019-2025.
*** Estimated premiums are based on data entered by drivers on ThinkInsure.ca from May 31, 2025, to May 31, 2026.
Nolan Wilson
Content Marketing Manager
Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.
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