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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.
Current rate data reflects a rolling 12-month average of ThinkInsure quote submissions as of May 2026.*** See our methodology.
is the average auto insurance cost in Windsor
is the most affordable postal code area
insurance rates for mature drivers
average premiums in Ontario
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.
Here's a breakdown of how much you can expect to pay:
Current rate data reflects a rolling 12-month average of ThinkInsure quote submissions as of May 2026.*** See our methodology.
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Helping Windsor drivers save on auto insurance!
Ontario's auto insurance rules are shifting on July 1, 2026, giving drivers across the province more control over their coverage and premiums.
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.
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 |
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 |
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:
| 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 |
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.
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.
| 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 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. |
| 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. |
Insurers offer a wide range of discounts. Ask about the discounts you may qualify for to lower your premiums:
Install winter tires on your vehicle.
Save up to 5%
Insure all your vehicles with the same insurer.
Save up to 10%
Park in your private garage or driveway.
Save up to 8%
Get rewarded for your good driving habits.
Save up to 30%
Complete an approved driver education program.
Save up to 10%
Drive an eco-friendly vehicle and save more.
Save up to 10%
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.
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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. Find the lowest auto insurance 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.
Celeste Raymond
2026-08-04 09:10:34
★★★★★
The insurance broker who supported me was Dylan Smith. Dylan was very knowledgeable, patient, friendly and professional. He took his time walking me through several different options, answered all my questions and made sure that I left the conversation feeling supported and that I left with the right insurance plan to meet my needs. This was truly one of the best customer service experiences I’ve had!
Paula Souza Realtor
2026-07-29 15:53:22
★★★★★
Working with Betsy Bannon was a great experience. She made the process of getting our commercial auto insurance simple and stress-free. She kept us informed every step of the way, responded promptly, and was always friendly and professional. I really appreciated how smoothly everything went and would definitely recommend her.
Nate Smith
2026-07-29 15:45:25
★★★★★
Had a great experience working with Betsy Bannon. She was easy to deal with, answered my questions, and got our commercial auto insurance set up much faster than I expected.
Nate Smith
2026-07-29 15:44:40
★★★★★
Betsy Bannon made the whole process of getting our commercial auto insurance set up really easy. She was friendly, quick to respond, and got everything taken care of without any hassle. Really appreciated all the help.
Accounting Infinite Mechanical Solutions
2026-07-29 15:43:38
★★★★★
Betsy Bannon was a huge help in getting our commercial auto insurance set up! she was super pleasant to deal with, and she was very fast
Michele Jaques
2026-07-22 22:22:43
★★★★★
Patrick worked diligently in insuring that our businness is sufficiently covered given changes to tenants, tyope of business and up grades. He is very conscientious and work collaboratively to build good a good working relationship. Thank you agaib Patrick for all your efforts.
Stephen Johnston
2026-07-09 02:00:38
★★★★★
I contacted ThinkInsure sure for last minute insurance for my house while I was renovating. My sales broker was Dylan Smith, and he was excellent. He was extremely communicative and proactive and talked me through all the steps of applying for my insurance policy. Because it was somewhat last minute, he also bent over backwards and communicated with the insurance company to make sure I got my insurance effective on the day I needed it. I couldn’t have experienced better service.
Steven Liao
2026-07-08 03:49:25
★★★★★
I have been getting parent super visa insurance from Think Insurance for past 2 years. Parminder helped us in getting the coverage needed and everything had been smooth.
Car insurance premiums 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.
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:
| 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% |
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 |
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 |
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.
Our advisors will ensure you have proper coverage for your unique driving needs.
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*.
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.
Call us if you have complex coverage needs, need to renew today or want to insure multiple vehicles.
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)
Monday-Friday: 8am-6pm
Disclaimer:
* 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.
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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