Written by
Nolan Wilson
Updated on June 12, 2025
min read
Looking for better car insurance in Windsor?
Shopping for car insurance in Windsor? Even if you live in a border town like Windsor, you still want good car insurance for an affordable rate. Many Windsor residents question whether they need extra or different car insurance if they cross over 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 more in premiums.
We know Windsor drivers want to save as much as possible on their auto insurance. That's why ThinkInsure partners with the leading insurance companies in Canada. We can find you the lowest rates and the coverage you need. Get started by comparing quotes online or speak with one of our advisors to get a quote.
Windsor car insurance at a glance
Windsor car insurance premiums in 2025 are $1,961.
Auto insurance premiums have decreased by 1.2% in 2025 in Windsor.
You can maximize your auto insurance savings if you maintain a clean record, are a mature driver, and are married.
Windsor postal code area N9J has the most affordable auto insurance rates, and N9B is the most expensive.
Besty was incredibly kind and helpful during a stressful time. I had no idea that a handheld ticket would result in my insurance company dropping me. It was a year after the ticket that I was informed of this so I was shocked and stressed. Besty assured me that we had time to figure out a solution and she worked around my busy schedule to find me the best insurance products to suit my situation. Besty is a 10/10 recommend!!!
e t
2025-05-01
I cannot say enough great things about Todd A! From start to finish, he provided an exceptional customer experience that truly stood out. Not only was he incredibly knowledgeable and efficient, but his kindness and cheerful attitude made the process smooth and absolutely stress-free. What could have been overwhelming was instead seamless and easy, thanks to his reassuring guidance and expertise. He was always quick to respond, informative, and genuinely invested in ensuring I got the best coverage for my needs—all while making sure I felt comfortable and confident every step of the way.
His level of professionalism and warmth turned what could have been a daunting task into an absolute pleasure. If you're looking for someone who goes above and beyond to provide top-tier customer service, look no further than Todd A at ThinkInsure. Thank you for making this experience effortless and enjoyable, you made this all happen for me!
Carl Cronkhite
2025-04-24
I highly recommend ThinkInsure when looking for Insurance, Betsy Bannon was a huge help! As a high risk driver it was very difficult to find a premium i could afford and only had a few weeks to do so. I contacted ThinkInsure and Betsy was able to explain everything and find me a great policy right away. Thank you Betsy!
Keira Busby
2025-04-17
very friendly and willing to help anyway they can! great experience all way round.
Dharma Buyse
2025-04-17
Betsy Bannon was so helpful! I was insuring my new truck with my first personal policy and after one broker went mia on my calls she picked up, although from commercial department, and still handled everything for me within 24 hours! Also she pointed out that previously the drivers history was forgotten about in the prior list of documents that was requested from me. Definitely knows exactly what she’s doing and works great winging it in a different department than her specialty!
I’m a high risk driver for one more year, unfortunately (did not follow cops advisory to fight distracted ticket while checking directions at a red) but she found the best quote for me, and revised this last minuite to find one that further accepted my 8year claim free policy on a commercial registered insurance. She was friendly, prompt to reply, patient, personable, and very knowledgeable. Finding insurance with one more year of this record has been discouraging as a now overly cautious driver, but she made it as seamless as possible
Quentin Chiotti
2025-04-16
Fast, seamless, and efficient. Betsy Bannon was great to work with. Thanks ThinkInsure.
Csaba Deac
2025-04-11
Special Thanks to Betsy Bannon. If you need business insurance , highly recommend her
Kelly Bouchard
2025-04-10
Sohel is amazing!! He responded so quickly and went out of his way to accommodate me. There were a few things I didn’t quite understand and he took the time to explain and reassure me that everything was properly covered. His follow up is so good! I highly recommend his service and expertise. He does all the research and comparisons for you to save you a lot of money! I can’t believe how much I was overpaying with my long time providers. Thanks Sohel!!
How does auto insurance work in Windsor?
All drivers in Windsor must have the mandatory minimum amount of car insurance to be able to drive. Your insurance company provides you with two types of coverage – mandatory and optional.
Mandatory coverage
You must carry $200,000 in third-party liability insurance. Required insurance also includes accident benefits and uninsured automobile coverage.
Third party liability: Protection against lawsuits from at-fault collisions or from causing damage to third-party property.
Uninsured automobile coverage: If you get hit by an uninsured motorist, you can receive coverage for medical expenses and vehicle repairs.
Direct Compensation Property Damage (DCPD) covers accident damage when you are not at fault for the collision. Starting January 1, 2024, DCPD will no longer be mandatory. It will become optional, and you can choose to opt-out using OPCF 49.
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.
Optional 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 in Windsor. Availability of these add-ons will vary by insurance company.
Collision insurance: Repair costs are covered if you happen to be in a car accident.
Comprehensive insurance: Protect your vehicle from non-accident perils, like theft, vandalism, or falling objects.
Specified perils insurance: This covers losses caused by listed perils, including fire, theft, weather damage, and others.
If you are unsure which coverage is best for you, we’re happy to help you choose the right policy based on your car and driving needs. Just ask!
Recent Windsor car insurance quotes
2025/06/02
Car insurance shopper in WINDSOR, ON
Vehicle: KIA SORENTO EX+ V6 4DR AWD 2020
CAA My Pace
$1,723
Aviva Journey
$1,723
Aviva
$1,914
Intact
$2,104
Savings from top 4 cheapest quotes
$381
2025/05/30
Car insurance shopper in WINDSOR, ON
Vehicle: TOYOTA RAV4 LE 4DR AWD 2021
Aviva Journey
$1,743
CAA My Pace
$1,770
Aviva
$1,937
CAA Connect
$1,966
Savings from top 4 cheapest quotes
$223
2025/05/26
Car insurance shopper in WINDSOR, ON
Vehicle: NISSAN 350Z 2DR 2004
GORE
$1,785
CAA My Pace
$2,102
CAA Connect
$2,123
CAA
$2,234
Savings from top 4 cheapest quotes
$449
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 about 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.
Expert car insurance advice for lower premiums
To get lower auto insurance premiums, consider the following strategies: combine automobile and homeowner insurance policies to benefit from substantial discounts; insuring multiple vehicles in the same policy to lower overall expenditures; and maintaining a clean driving record free of accidents or tickets, which is a significant factor in cost reduction.
Neel Khan
|
Insurance Broker (RIBO)
Speak with a Windsor car insurance expert today!
Monday-Friday: 8am-6pm Saturday: 9am-5pm
How much does car insurance in Windsor cost?
Car insurance in Windsor costs approximately $1,961 per year. This is a few dollars less than the provincial average for Ontario car insurance. Shop around with our brokers to ensure you get the best premiums and coverage.
Here’s a breakdown of how much you can expect to pay:
Annually: $1,961
Semi-annually: $980.50
Quarterly: $490.25
Monthly: $163.42
Weekly: $37.71
Daily: $5.37
Rates are based on ThinkInsure customer quote data for Q1 2025 (Jan 1 to March 15, 2025).
Premiums are trending upward again, in general, but have remained stable in Windsor 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.
Case in point, premiums in Windsor differ by year. Here is a breakdown from 2019 to 2025:
Year
Average annual premium
2025
$1,961
2024
$1,984
2023
$2,219
2022
$1,922
2021
$1,891
2020
$1,927
2019
$1,939
Average rate (2019-25)
$1,978
**
Windsor auto insurance premiums by driver type
Your auto insurance payments are impacted by your driver classification. Elements like age, demographics, driver classification, and driving record are taken into account 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.
People in the high risk category pay over 285% more for coverage.
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 30%.
Premium
Monthly
Difference
Driver type
All drivers
$1,961
$163
0
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%
High risk drivers
$7,556
$630
285.31%
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
Clean driving record
$1,961
$163
0.00%
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%
***
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 $328 per vehicle with a multi-vehicle policy.
Average rate
Average rate per vehicle
Total savings
Savings per vehicle
1 car
$1,961
$1,961
2 cars
$2,611
$1,306
$655
$328
***
Auto insurance rates in Windsor compared to local cities nearby
As one of the region's larger cities, Windsor residents typically pay more than neighbouring communities.
City
Avg premium
Tecumseh
$1,944
Windsor
$1,961
Leamington
$1,782
Essex
$1,608
Belle River
$1,537
Chatham
$1,973
LaSalle
$1,380
Tilbury
$1,495
***
What areas in Windsor have the cheapest car insurance?
Your insurance costs can be influenced by the area you live in within a city. In Windsor, the difference between postal codes could result in hundreds of dollars difference annually. For example, postal code N9J has the most affordable rates, and N9B is the most expensive.
Area in City of Windsor
Postal Codes
Avg Premium
Tecumseh
N8N
$1,946
East Riverside
N8P
$1,653
East Forest Glade
N8R
$1,914
Riverside
N8S
$1,763
West Forest Glade, East Fontainbleu
N8T
$1,877
Walkerville, South Walkerville, Devonshire Heights, Walker Farm, Fontainebleau
N8W
$1,812
South Central, West Walkerville, Remington Park
N8X
$2,161
East Windsor, East Walkerville
N8Y
$2,063
City Centre
N9A
$2,016
Bridgeview, South Cameron
N9B
$2,196
Sandwich, Ojibway, West Malden
N9C
$2,101
South Windsor
N9E
$1,848
Roseland
N9G
$1,831
East Windsor, LaSalle
N9H
$1,784
West Windsor, LaSalle
N9J
$1,644
Windsor
N9K
$1,944
***
Windsor car insurance premiums by vehicle brand
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
All brands
$1,961
$163
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
***
Driving in Windsor and your car insurance
One of Windsor's unique features is that it is located across the river, only a half-mile from Detroit, Michigan. Thousands of cars and trucks pass through the city daily when crossing the border at Ambassador Bridge or the Windsor-Detroit tunnel, the second busiest border crossing in North America.
Being located on the U.S. border, 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 crossing the border from both sides. For drivers in Windsor, these factors can affect your auto insurance premiums. You need to have an affordable policy that protects you from these and 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
Shop and compare Windsor auto insurance quotes
Find a better rate for car insurance in Windsor today! Compare quotes from Canada's leading insurers like CAA, Aviva, and Intact in only a couple of minutes.
As one of the southernmost 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 of commercial truck traffic. Be ready for traffic and ever-changing weather conditions. Ensure you are protected by ensuring your Windsor car insurance policy is current.
38 mins
Avg. daily commute time
837 mm
Avg. annual rainfall
1,597 mm
Avg. annual snowfall
138
Rainy days per year
53
Snow days per year
Windsor traffic facts and stats that impact car insurance
Check out these interesting traffic and stats about Windsor that can affect your auto insurance rates:
Based on 2021 Census data, Windsor has a population of 229,660. There are over 422,000 residents in the metropolitan area (which includes Lakeshore, LaSalle, Tecumseh, and Amherstburg)
It is the ending point of the 401 Highway series to the south.
Over 10,000 trucks and 4,000 cars cross the Ambassador Bridge daily. This is close to 4 million trucks and 1.5 million cars per year.
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 CBC News, 774 stolen vehicles or attempted vehicle thefts occurred in Windsor, a 7.4% increase from the previous year. The top 3 targeted vehicles are Ford F-150s, Dodge Rams, and Lexus 350 models.
Windsor driving tips
Most 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 safely and better understand your auto 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 Highway 401 ends, if you are not planning to go to the U.S., look for the last exit before approaching the Ambassador Bridge.
The E.C. 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.
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.
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, your driving and insurance history, and coverage limits.
Windsor residents have access to many insurance companies, not just the top names you are familiar with. The best insurance company for you will depend on your specific driving needs. For some, this may be CAA, Intact, or Aviva. For others, it may be Travelers, Wawanesa, or another insurer. The only way to know for sure is to check car insurance quotes with us.
Get more affordable car insurance in Windsor
Saving on your car insurance is only a call or a click away in Windsor. Find the most affordable quotes online or speak with one of our friendly advisors to see how much you could save.
* Based on the difference between the average lowest premium and the overall average premium in Windsor for estimates completed from January 1 to March 31, 2025, for drivers with a clean driving record.
** Estimated prices are based on data entered by drivers from 2019-2025 with a clean driving record living in Windsor on ThinkInsure.ca.
*** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from January 1, 2025, to March 31, 2025.
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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