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About Ottawa car insurance

Ottawa is Canada’s capital and Ontario’s second largest city. With more than 1 million residents, and half a million licensed drivers, Ottawa roadways are among the busiest in the country. Whether you’re navigating through downtown streets past some of Canada’s most important landmarks and institutions like Parliament Hill, the National War Memorial, and the Supreme Court of Canada, or fighting commuter traffic on the Queensway (highway 417) or Ottawa Regional Road 174, driving in Ottawa can be a challenge – But finding cheap car insurance rates in Ottawa doesn’t have to be!

Since 1961, Ottawa drivers have trusted Buckley Insurance to provide expert advice and competitive prices on auto insurance. We work with some of the top insurers in Canada to deliver cheap car insurance rates to drivers throughout the city – from Gloucester, Nepean, Orleans, Kanata, Cumberland, and Central Ottawa, our licensed insurance brokers have you and your vehicle covered. Finding the best car insurance prices in the Greater Ottawa Region is easy when you work with trusted professionals. Get multiple quotes online in minutes, or call and speak to a licensed broker 7 days a week.

Get lower auto insurance rates in Ottawa

Whether you’re a daily commuter who battles the bumper to bumper traffic every morning on the Queensway or a casual driver who only drives on weekends, everyone is looking for the cheapest auto insurance in Ottawa. The good news is there are some things you can do to add extra discounts to your policy, get lower rates, and still get great coverage. Here are eight things drivers can do to get the lowest possible Ottawa car insurance quotes:

Usage-based insurance
Many car insurance companies have apps to reward safe driving habits. Score well and you could earn up to 25% off of your annual auto insurance premium!

Shop around
It’s easy to get quotes from multiple companies. Comparing all your car insurance coverage options can save you money on monthly premiums.

One policy
Is there more than one vehicle in your family? If you insure all of your cars under the same policy, you could save up to 20% with some companies.

Raise your deductible
Talk to your broker about increasing your deductible to at least $1000 if it isn’t already, and you could benefit from a reduced monthly premium.

Bundle, bundle, bundle
Whether you own a home or condo, or rent an apartment, bundling your property insurance with your car insurance could help you save up to 15% on each policy.

Go hybrid or electric
New types of vehicles are paving the way for more discounts! Now, if you decide to drive a hybrid or electric vehicle, you can actually save more on your auto insurance.

Install winter tires
When your car insurance company knows you change your tires seasonally, you might be eligible for a discount of approximately 5% depending on your provider.

Flexible payments
Sometimes companies charge administrative fees for monthly payment plans. If you pay your premiums on a yearly basis in one lump sum, you’ll avoid these costs.

Average car insurance cost in Ottawa

The average auto insurance cost in Ottawa is $1,242 per year, or roughly $104 per month. This is actually 14% lower than the average premium in Ontario of $1,445. However, insurance rates in Ottawa can vary greatly depending on the insurance company you choose, your individual driving experience, and the area you live. To illustrate just how much premiums can differ based on where you live within the city; we quoted a 35 year old male driver with a 2018 Honda Civic DX in five different Ottawa area postal codes. Check out the results below:

Neighbourhood Premium
Downtown Ottawa (K1A 0P9) $1,162
Orleans (K1C 2A6) $1,089
Stittsville (K2S 1G8) $928
Gloucester (K1B 1B4) $1,100
Nepean (K0A 2E0) $928

Car insurance for new Ottawa drivers

Auto insurance for a new driver in Ottawa can be expensive. Whether you’re planning to get your own vehicle, or just being added as a driver on your parents’ policy, the rate for a new driver is usually higher than the average Ontario premium. Because new drivers lack experience, the risk of being involved in an accident is much higher. Plus, drivers in Ottawa have to deal with more traffic, busier roads, and higher theft rates than most other cities. For all these reasons, auto insurance companies will usually charge a higher premium for new drivers in Ottawa. But don’t worry, Buckley Insurance can help. We work with multiple companies in Ontario to help provide affordable auto insurance rates to drivers of every experience level. To help get you started, here are a few tips for new drivers in Ottawa to help keep the cost of your auto insurance down.

Usage-Based Insurance
Driving apps could help good drivers save up to 25% more on your next renewal.

Slow Down
Speeding tickets will stay on your driving record for 3 years and cause your rates to go up.

Driver Training
Taking an approved driver training course can get you a discount of up to 15% on your policy.

Drive Safe
Being careful and avoiding at-fault accidents will help you maintain a clean driving record.

Which province has the cheapest auto insurance?

Quebec has the cheapest car insurance in Canada with an average annual premium of just $642. On the other hand, Ontario has the second most expensive average car insurance premiums in Canada. Here’s a look at the average auto insurance premiums for all Canadian provinces:

Province Premium
British Columbia $1,680
Ontario $1,445
Alberta $1,254
Newfoundland & Labrador $1,132
Manitoba $1,080
Saskatchewan $936
Nova Scotia $842
New Brunswick $819
Prince Edward Island $796
Quebec $642

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