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Shopping for car insurance in Windsor? We know cheap auto insurance quotes are what you want, and ThinkInsure is here to deliver. After all, it’s what we do best.

Whether you are simply renewing your policy, adding a secondary driver, or are shopping for car insurance for the very first time we can help you save. By getting a quote and exploring what the insurance market has to offer you can save money.

We are partners with over 50 insurance companies so we can help you get insured at a great rate in Windsor. You could save up to $500 or 30% with by comparing quotes with us.

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Kurai Sibanda

2021-09-24 00:24:58

Worked with Neil Sullivan. He provided an excellent service. Very professional and responsive. Highly recommend him

S G

2021-09-22 00:10:12

Neil was extremely helpful and went the distance. I trust ThinkInsure for good insurance rates. Thank you.

Pamela Ellis

2021-09-20 21:16:13

Rafael Torres is the broker to call for personal/business insurance needs at low rates & extremely quick. If your current insurance rates are continuing to climb, call Rafael at ThinkInsure for a quote.

Diana Ricaurte

2021-09-20 14:50:10

The company provided a great quality experience. Darryl Fardy helped and assisted me with any questions I had. He provided the information fast and there were no back and forth unlike with other insurance companies.

Kannagee Shanmugathaasan

2021-09-18 18:43:16

Neil Sullivan is did great job, timely response and very helpful. We enjoyed wonderful service from him. I will recommend to my friends and family

Stephanie N

2021-09-18 00:09:30

I was looking for a new insurance company, to get a better price. It took a quick phone call and a few emails with Rafael Torres. He is very professional and helpful! He found me a great price for a bundle. Everything was done very fast, and very efficiently. Thank you Rafael for your patience in dealing with me.

Odessa Lee

2021-09-15 18:17:41

We all know insurance sucks, but my recent experience with Darryl Fardy made it suck less. He’s professional without being stuffy and very efficient. He follows up when he says he will. That’s a first for me.

shirin habib

2021-09-15 13:40:55

I spoke to alot of insurance companies and the only one that was great with customer service was this one and Ryan was so quick to get back and help me

About Car Insurance In Windsor, Ontario

One of the most southern cities in Ontario, and all of Canada for that matter, Windsor, is a busy border city that is located on the shores of Lake Erie. Known as the home of the auto industry in Canada, it has a very storied history and close ties to Detroit. It’s coined the City of Roses for the vast array of flowers located throughout the city. It has also been home to thousands of monarch butterflies for more than a hundred years, and the city also played a pivotal role in the Underground Railroad.

One of the unique things about Windsor is that it is located across the river, only a half-mile from Detroit, Michigan. Thousands of cars and trucks pass through the city on a daily basis when crossing the border at Ambassador Bridge or the Windsor-Detroit tunnel – the second busiest border crossing in North America.

The proximity to the border and busy highways are only a couple reasons why you need reliable car insurance. We’ll help you shop and compare to find the right policy to meet your insurance needs.

How Does Auto Insurance Work In Windsor?

All drivers in Windsor must have the mandatory minimum amount of auto insurance to be able to drive. You must carry $200,000 in third party liability insurance. This includes direct compensation property damage, statuary accident benefits, and uninsured automobile coverage.

Most drivers also add extra insurance such as comprehensive, collision, all perils, or specified perils to their policy. You can also increase your limits on liability coverage. You have a lot of optional endorsements to customize your auto insurance.

How Do I Get Cheaper Car Insurance In Windsor?

For starters, you need to drive safe, 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 insurance rates is about more than just driving safe. With so many insurers to choose from, you are doing yourself a disservice if you do not get quotes from multiple companies. Exploring your options enables you to take advantage of discounts, find savings opportunities, and choose the right insurance for you.

How Much Does Car Insurance In Windsor Cost?

Car insurance in Windsor costs approximately $1,375 per year. This is less than the provincial average and lower than many other cities in Ontario.

Average Windsor car insurance rate compared to other Ontario cities info graphic

What Is the Most Affordable Area For Car Insurance In Windsor?

Auto insurance rates are affected based on where you live, including your postal code. Here are the most and least expensive areas for insurance :

Area	Postal Codes	Premium
Bridgeview, South Cameron	N9B	➜ Most expensive
Walkerville, South Walkerville, Devonshire Heights, Walker Farm, Fontainebleau	N8W	➜ Cheapest

Driving In Windsor And Auto Insurance

Being on the U.S. border, there are added risks to driving in the city, unfamiliarity with the roadways. The Windsor-Detroit corridor brings many different types of drivers to the region. In addition to residents, there is a large volume of commercial trucks and people cross the border from both sides. All these factors can impact your auto insurance premiums. You need to have an affordable car insurance policy that protects you from these and many other risk factors.

Here is what you should know about the city and driving in it :

Highways

Highway 401
E.C. Row Expressway, Highway 3, Lauzon Parkway

Public Transit

Transit Windsor

Border Crossings

Ambassador Bridge
Detroit-Windsor Tunnel

Ride-Sharing

Uber

Road Trips

Point Pelee National Park
Fort Malden National Historic Site
Frankenmuth, Michigan
Port Huron/Detroit

Parking

City of Windsor

Top Attractions

Caesars Windsor Casino
Windsor Riverfront
Dieppe Garden
Adventure Bay Water Park
Ojibway Prairie Complex

Worst Intersections

County Road 42 and Lauzon Parkway
Dougall Avenue and Ouellette Place
Riverside Drive East and Devonshire Road
Banwell and E.C.Row Expressway
Tecumseh Road East and Forest Glade

Airports

Windsor International Airport

What Are The Driving Conditions In Windsor?

As one of the southern most cities in the province, it tends to get more rain and less snow than other cities. But, as a border town, they also have a huge volume to commercial truck traffic. Be ready for traffic and ever changing weather conditions. Ensure you are protected by making sure your auto insurance policy is up to date.

38 mins

Avg. Daily Commute Time

837 mm

Avg. Annual Rainfall

1,597 mm

Avg. Annual Snowfall

138

Rainy Days Per Year

Snow Days Per Year

Windsor Traffic Facts And Stats

Check out these interesting traffic and stats about city that can impact your auto insurance rates :

Home to well over 300,000 residents in the metropolitan area (which includes Lakeshore, LaSalle, Tecumseh, and Amherstburg), it has a diverse population. However, the city is perhaps best known for its tourist attractions and easy access to Detroit.
It is the ending point of the 401 highway series to the south.
Over 4 million cars and 2.5 million trucks crossed at the Ambassador bridge (2017).
According to Windsor Police, there were 887 motor vehicle thefts and attempts in 2018. This is up from 705 reported cases in 2017.
According to the City of Windsor Road Safety Report, overall collisions, injury and fatal collisions all increased between 2013 and 2017. Collisions because of inattentive drivers increased 25% during this time.

Windsor Driving Tips

The vast majority of visitors to the city travel by car, and being a border city, it experiences large volumes of traffic from trucks shipping goods, and U.S. drivers.

Here are some great tips to help you drive safe and better understand your insurance needs :

If you are planning a cross-border trip, make sure you check ahead of time which border crossing has the smallest wait time.
If possible, avoid driving along the waterfront. The city is investing in this area and construction is ongoing. Find an alternative route.
To avoid long wait times at the border, try to plan trips around busy times.
Be conscious of drivers from the U.S. who might not be familiar with Canadian road rules and signs.
As the 401 comes to an end, if you are not planning to go to the U.S., be on the lookout for the last exit before approaching the Ambassador Bridge.
The EC Row Expressway is known for traffic delays. If you need to travel east to west, plan an alternative route to save time, especially during rush hour.

Armed with high quality auto insurance and these tips, you’ll have no trouble navigating the streets of Windsor and staying safe.

Windsor Car Insurance FAQs

Is My Windsor Auto Insurance Valid If I Cross The Border To Detroit and The U.S.?

Yes, your Ontario 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.

Why Should I Compare Car Insurance Quotes In Windsor?

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 rates. Compare quotes today to how much you could save.

Does Having A Nexus Pass Affect My Car Insurance?

No. Having a Nexus pass and travelling frequently in the U.S. does not affect your car insurance rates. A Nexus pass will help you reduce wait times at border crossings.

What Factors Affect My Windsor Auto Insurance Rates?

Auto insurance rates are different for each driver. There are a variety of factors used by insurers to determine how much you will pay. Some of the most important are the vehicle you drive, where you live, your driving and insurance history, and coverage limits.

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