Windsor Car Insurance: Compare Auto Insurance Quotes

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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 if 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 get quote. Keep reading learn about car insurance in Windsor and find out how you can save more on your next policy.

Windsor car insurance at a glance

Windsor car insurance premiums in 2024 are $ 2,280.
Premiums have increased by about $300 annually since the pandemic.
Rates have remained fairly consistent in recent years but have increased by 2.75% since last year.

How to compare car insurance quotes in Windsor

Comparing quotes just takes a couple of quick and easy steps.

1) Begin your quote

Get started with some basic info.

2) Tell us about yourself and your vehicle

Provide your driving and vehicle information.

3) Compare quotes

See the lowest rates from the top providers.

Choose your policy

Choose the best rate. Confirm the details with our experts and get insured.

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5 star Windsor car insurance

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steve jonkhans

2024-09-26

i used thinkinsure to navigate a complicated car insurance situation after my prior broker could not find me the insurance i required. Denise Snyder Phillips was my agent and she was extremely helpful, efficient and responsive. Highly recommend thinkinsure for your insurance needs and ask for Denise!

Carrie Crump

2024-09-24

Young man is super amazing and caring . Top top notch service !!! Very kind gentleman

DJ G

2024-09-24

I was shopping around for some new auto insurance rates as my current policy was ending soon and was looking for cheaper premiums. I called ThinkInsure, and Todd helped me with the process start to finish. Communication with him after my initial phone call was flawless through email, often replying right away during business hours. He was easy to ask questions and provided multiple quotes to me when I needed to make some changes. I ended up getting better coverage for a much lower premium compared to my current provider with ThinkInsure. Thanks Todd for the seamless experience and helping me get setup!

Philip Witteveen

2024-09-23

Denise is fantastic! She is so kind and patient and works hard to listen and provide you with the best insurance available to you. Denise also continues to look for the cheapest options for you that provides you with the top notch coverage. I would highly suggest connecting with Denise if you're looking for great insurance, good prices, and to work with someone that actually cares. 5 star plus!

Cassandra Brookes

2024-09-20

I had been in the market for new insurance for a while, not getting many great quotes and then I come to find Todd Allen through ThinkInsure and have only great things to say about my experience. Knowledgeable, honest, responsive and made insuring my vehicle a breeze. Within 4 emails back and forth, signing e documents and a final email to confirm I was set up and ready to go. Could not recommend his services enough! Thanks Todd !!

Ginny Sweet

2024-09-19

I was in a difficult situation trying to renew my insurance after my last company stopped providing insurance. Bailey made the whole process quick and easy. I had paperwork signed and documents to me within a few hours of our initial conversation. I am forever grateful

Durai samy Easwarakumar

2024-09-18

Todd Allen such a nice auto insurance advisor Doing a excellent service 👍buy the costumer’s satisfaction to get an cheaper code in the current market 😀

Jenniffer

2024-09-17

great service, sohel rahman was incredible helping us get the insurance we needed, thank you!

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 by causing damage to third-party property.
Statutory accident benefits: Medical benefits if you or your passengers have injuries in a car accident.
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.

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 the loss caused by perils that are listed. This includes fire, theft, weather damage, and others.
All perils insurance: Unless excluded, all perils are covered.

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

2024/11/14

Shopper in WINDSOR, ON
Vehicle: CHEVROLET CRUZE LS 4DR 2015
Aviva Journey	$1,755
CAA Connect	$1,812
GORE	$1,836
Wawanesa	$1,871
Savings from top 4 cheapest quotes	$116

2024/11/09

Shopper in WINDSOR, ON
Vehicle: CHEVROLET CRUZE LT TURBO 4DR 2015
Aviva Journey	$1,331
CAA My Pace	$1,468
Aviva	$1,478
GORE	$1,575
Savings from top 4 cheapest quotes	$244

How do I get cheap car insurance in Windsor?

For starters, 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.

How much does car insurance in Windsor cost?

Car insurance in Windsor costs approximately $ 2,280 per year. This is about $ 500 higher compared to 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: $ 2,280
Semi-annually: $ 1,140
Quarterly: $ 570
Monthly: $ 190
Weekly: $ 43.84
Daily: $ 6.24

Rates are based on ThinkInsure customer quote data for Q1 2024 (Jan 1 to March 15, 2024)

Windsor car insurance premium map

Average Windsor car insurance rate compared to other cities info graphic

Sources: *FSRAO
2023 ThinkInsure customer quote data. Drivers with a clean driving record and standard coverage

Windsor car insurance rates from 2019-2024

Premiums are trending upward again. Insurance rates are subject to frequent change. 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. Post-pandemic rates have increased more than in previous years. Here is a breakdown from 2019 to 2024:

Year	Average annual premium
2024	$ 2,280
2023	$ 2,219
2022	$ 1,922
2021	$ 1,891
2020	$ 1,927
2019	$ 1,939
Average rate (2019-24)	$ 2,030

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. To assess how these factors affect your payments, we examined our Windsor customer quote data. Here's what we uncovered:

Mature drivers pay more than 20% less and younger drivers pay about 40% more.
People in the high risk category pay close to 200% 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	$ 1,920	$ 160	0
Young drivers (25 and under)	$ 2,685	$ 224	39.84%
Middle age (25 - 50)	$ 1,967	$ 164	2.45%
Mature/senior drivers (50+)	$ 1,511	$ 126	- 21.30%
High risk drivers	$ 5,620	$ 468	192.71%
Demographics
Male	$ 1,901	$ 158	- 0.99%
Female	$ 2,041	$ 170	6.30%
Married	$ 1,815	$ 151	- 5.47%
Single	$ 2,075	$ 173	8.07%
Driving record
Clean driving record	$ 1,920	$ 160	0
1 ticket within the past 3 years	$ 1,971	$ 164	2.66%
1 accident in 3 years	$ 2,467	$ 206	28.49%
1 cancellation in 3 years	$ 2,267	$ 189	18.07%
1 suspension in 3 years	$ 2,298	$ 192	19.69%

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Auto insurance rates in Windsor compared to local cities nearby

As one of the larger cities in the region, residents in Windsor typically pay more than neighbouring communities.

City	Avg premium
Tecumseh	$ 1,944
Windsor	$ 1,920
Leamington	$ 1,782
Essex	$ 1,608
Belle River	$ 1,537
Chatham	$ 1,503
LaSalle	$ 1,501
Tilbury	$ 1,458

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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

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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
Honda	$ 1,616	$ 135
Toyota	$ 1,524	$ 127
Ford	$ 2,151	$ 179
Kia	$ 2,361	$ 197
Lexus	$ 1,376	$ 115
Chevrolet	$ 2,578	$ 215
RAM	$ 1,913	$ 159
Dodge	$1,913	$159
Jeep	$ 2,326	$ 194
Subaru	$ 1,687	$ 141
Mazda	$ 1,636	$ 136
Nissan	$ 1,469	$ 122
Volkswagen	$ 1,548	$ 129
Mercedes	$ 2,525	$ 210
BMW	$ 3,190	$ 266

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Driving in Windsor and your car insurance

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 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

Driving conditions in Windsor and auto insurance

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 making sure your Windsor car 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 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, 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 the City of Windsor Road Safety Report, overall collisions, injuries, and fatal collisions all increased between 2013 and 2017. Collisions because of inattentive drivers increased by 25% during this time.

Windsor driving tips

Cars driving on road in Windsor city street

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., be on the lookout 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

Is my Windsor auto insurance valid if I cross the border to Detroit and the U.S.?

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.

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 auto insurance rates in Windsor. Compare quotes today to how much you could save.

Does having a Nexus pass affect my car insurance?

No. Windsor residents having a Nexus pass and traveling 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 Windsor car insurance rates?

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 is the vehicle you drive, where you live, your driving and insurance history, and coverage limits.

What are the top insurance companies in Windsor?

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 to find out.

Compare quotes to save more on Windsor car insurance

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.

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Sources

* 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, 2023, for drivers with a clean driving record.

** Estimated prices are based on data entered by drivers with a clean driving record living in Windsor on ThinkInsure.ca.

*** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from 2019-2022.

**** Estimated premiums are based on data entered by people on ThinkInsure.ca from January 1, 2021, to October 1, 2022.

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2024-11-14

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