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Windsor is a city in southwestern Ontario, Canada, located on the southern shore of the Detroit River, opposite the city of Detroit, Michigan, USA. It is the southernmost city in Canada and is part of the Essex County. The city has a population of over 220,000 people and is a major manufacturing center in Canada, with a focus on the automotive industry.

Windsor is known for its diverse cultural heritage, excellent parks and green spaces, and vibrant arts and entertainment scene. Some of the city’s top attractions include the Windsor-Detroit International Freedom Festival, the Windsor Sculpture Park, and the Windsor Spitfires hockey team. Additionally, the city is home to the University of Windsor, which offers a wide range of academic programs to students from all over the world.

Is car insurance cheaper in Windsor?

money and car

In general, car insurance rates in Windsor, Ontario, Canada, are known to be relatively high compared to other cities in Ontario. This is because Windsor is located near the US border, and car insurance rates in Ontario tend to be higher in cities that are close to the border due to increased risks such as theft, fraud, and accidents.

What’s the average cost of car insurance in Windsor per month and per year?

According to the Insurance Bureau of Canada (IBC), the average cost of car insurance in Ontario is around $1,505 per year, which works out to about $125 per month. However, it’s important to note that this is just an average, and your actual cost may be higher or lower depending on your individual circumstances.

Below some estimated average costs of car insurance in Windsor, along with different driver profiles and vehicles. Please note that these are just estimates and your actual cost may vary based on a number of factors.

Driver ProfileVehicle TypeAverage Cost Per YearAverage Cost Per Month
25-year-old male2018 Honda Civic$2,400$200
35-year-old female2015 Toyota Corolla$1,800$150
45-year-old male2019 Ford F-150$2,800$233
55-year-old female2017 Chevrolet Cruze$1,600$133

Average costs of car insurance in Windsor for different driver profiles

Please note that these are just estimates and your actual cost may vary based on several factors, including driving record, location, and insurance coverage options.

Driver ProfileAverage Cost Per YearAverage Cost Per Month
New Driver$3,000 – $5,000$250 – $416
Secondary Driver$1,500 – $2,500$125 – $208
G1 Driver$5,000 – $7,000$416 – $583
G2 Driver$2,500 – $4,000$208 – $333
Full G Driver$1,200 – $2,500$100 – $208
Teenage Driver$5,000 – $10,000$416 – $833
Young Driver$2,000 – $4,000$166 – $333
High-risk Driver$5,000 – $15,000$416 – $1,250
17 Years Old$5,000 – $10,000$416 – $833
Seniors (Over 55)$1,200 – $2,500$100 – $208
Students$2,000 – $5,000$166 – $416
International Driver$3,000 – $7,000$250 – $583
Newcomers$2,500 – $5,000$208 – $416
Male Driver$2,500 – $4,500$208 – $375
Female Driver$2,000 – $4,000$166 – $333
Married Couples$1,500 – $2,500$125 – $208
Usage-Based InsuranceVariesVaries
Uber DriverVariesVaries

Average car insurance costs in Windsor, Canada for different types of cars

cars-for-lease

Here is a table of average car insurance costs in Windsor, Canada for different types of cars per year and per month.

Car TypeAverage Annual CostAverage Monthly Cost
Sedan$1,400 – $1,800$116 – $150
Convertible$1,700 – $2,200$141 – $183
Hatchback$1,500 – $1,900$125 – $158
Wagon$1,600 – $2,000$133 – $167
Coupe$1,600 – $2,100$133 – $175
SUV$1,700 – $2,200$141 – $183
Truck$1,500 – $1,900$125 – $158
Minivans$1,600 – $2,000$133 – $167
Van$1,500 – $1,900$125 – $158
Electric Car$1,800 – $2,300$150 – $192
Hybrid Car$1,800 – $2,300$150 – $192
Multi Car$1,300 – $1,600$108 – $133
Exotic Car$5,000 – $8,000$417 – $667
Sports Car$2,500 – $4,000$208 – $333
Leased cars$1,800 – $2,200$150 – $183
2 Door$1,600 – $2,100$133 – $175

Average car insurance costs in Windsor, Canada based on different driving histories

Here is a table of average car insurance costs in Windsor, Canada based on different driving histories per year and per month.

Driving HistoryAverage Annual CostAverage Monthly Cost
Clean driving record$1,500 – $1,800$125 – $150
1 at-fault accident$2,200 – $2,800$183 – $233
1 non-fault accident$1,600 – $2,000$133 – $167
DUI conviction$3,500 – $4,500$292 – $375
1 Speeding Ticket$1,800 – $2,200$150 – $183

Which companies and brokers offer car insurance quotes in Windsor?

There are several companies and brokers that offer car insurance quotes in Windsor. Here are 20 of them:

  1. Allstate Insurance
  2. Aviva Insurance
  3. Belairdirect Insurance
  4. CAA Insurance
  5. Chieftain Insurance
  6. Coachman Insurance
  7. Desjardins Insurance
  8. Economical Insurance
  9. Gore Mutual Insurance
  10. Intact Insurance
  11. Johnson Insurance
  12. Kingsway General Insurance
  13. PC Insurance
  14. RBC Insurance
  15. Sonnet Insurance
  16. State Farm Insurance
  17. TD Insurance
  18. Travelers Insurance
  19. Wawanesa Insurance
  20. Wayfarer Insurance Group

Please note that this is not an exhaustive list, and there may be other companies and brokers that offer car insurance in Windsor as well. It’s always a good idea to compare quotes from multiple providers to find the best coverage and pricing for your needs.

About the Author: Robert Davis

He is an insurance content professional with vast knowledge and a special aptitude and interest in imparting insurance education. He has authored many articles on insurance.

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