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Ottawa Car Insurance

We focus on providing the best protection for your Ottawa car insurance.
  • Our brokers shop dozens of Ontario insurance companies for personalized coverages and prices.
  • We get competitive prices and maximize discounts.
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Complete the form or call 1-800-463-8074 to speak with a licensed broker about Ottawa Car Insurance today.

Ottawa Car Insurance  

Are you looking for the best Ottawa car insurance? Our award-winning brokerage serves Ottawa and its neighbourhoods of Sandy Hill, The Glebe, Westboro, Rockcliffe, Kanata, Nepean, Gloucester, and beyond. We will quickly get you several competitively priced car insurance quotes, each with coverages tailored to your needs. Comparing quotes is fast and easy with an Ottawa insurance broker, and ensures you get well-priced auto insurance protection.

We understand that each of our clients has different needs and different budgets. We also have experience in dealing with a wide range of clients, and know how to balance their needs and budget to get them the best rates and coverage possible.

Car insurance is protection for you and your vehicle in case of physical damage or bodily injury. Auto insurance is a contract between an insurance company and an insured where the company agrees to pay for losses laid out in the auto insurance policy.

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Do I Need Car Insurance In Ottawa?

Yes, just like in the rest of Ontario, auto insurance is required in Ottawa. Ontario law states that vehicle owners must have auto insurance with accident benefits coverage, third-party liability coverage, direct compensation property damage coverage, and uninsured automobile coverage. There are additional coverages you can get that are optional. If you want to purchase increased coverages or additional insurance options for your vehicle, an insurance broker at Morison Insurance can arrange this, and create a plan that’s right for you.

How Much Does Car Insurance Cost in Ottawa?

Car insurance in Ottawa generally costs about $700 to $2,250 per year. However, prices vary depending on the insurance company and individual circumstances. Many factors, such as age, years licensed, driving records, the year, make and model of your vehicle, distance driven annually, and more - are used by insurance companies to determine car insurance prices. An insurance broker will shop at multiple companies for several quotes so you can compare prices and coverages for your auto insurance. 

Below is a chart with some examples of quote ranges. Keep in mind that these are estimates and prices will vary depending on the insurance company, individual circumstances, and coverages. An insurance broker will provide you with competitive quotes to ensure your vehicle is properly covered.

Vehicle year, make and model Annual premium
2017 Kia Optima $850-$1,700
2021 Audi Q5 $950-$2,100
2021 Ford F150 $700-$1,550
2019 Mercedes C300 $1,000-$2,250

*The prices above were provided with the assumption that the driver had a good driving record (no previous tickets or accidents). Those who have been in accidents or given tickets should expect higher rates.

Why Is Car Insurance Expensive in Ottawa?

Car insurance in Ottawa is not as expensive as in some other areas of Ontario. Ottawa car insurance prices are about average compared to the rest of the province.

Location, such as driving in Ottawa, is one factor that determines your insurance rate. While living and driving in Ottawa may be helpful in terms of determining your auto insurance premium, other factors are at play in determining the price of your auto insurance. For example, other factors such as an insured’s driving record, years licensed, claims history, vehicle usage and more can negatively or positively impact your auto insurance premium.

Can I Get Affordable Car Insurance Coverage In Ottawa?

Yes, you absolutely can get affordable Ottawa car insurance coverage. If you are looking to get an affordable Ottawa car insurance quote that provides the perfect coverage for your needs, our Morison Insurance Ottawa brokers will be happy to help you.

Insurance brokers do not work for any insurance companies. They work for you, and it is their job to shop around on your behalf to get you the best deal possible. They will present this information to you in an unbiased way not leaning towards one company or another. Their intention is to ensure that you have the right coverage for your needs and budget.

Ottawa car insurance brokers also provide customer service designed to meet your insurance needs. everything from making changes to helping resolve claims quickly and fairly. 

How Is Car Insurance in Ottawa Calculated?

Car insurance in Ottawa is calculated based on numerous details about the vehicle and the insured. Vehicle details include the make, model and age of the car, kilometres driven, vehicle usage and other information. Driver-specific details include driving history, claims history, age, where the insured lives and more.  An insurance broker can go through these factors with you to determine your auto insurance costs and help you get the best Ottawa auto insurance to meet your needs and budget.

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Does The Type Of Car I Drive Impact The Cost Of Ottawa Car Insurance?

Yes, the type of car you drive affects the price of your auto insurance. The more expensive your vehicle, the more you can expect to pay for your insurance. For example, if you drive a sports car or a luxury vehicle, you will likely have to pay a higher price for auto insurance. This is because it’s more costly to repair or replace the many high-tech and pricey features on these vehicles.  

If you drive an electric car, such as a Tesla, Nissan, Chevrolet or Hyundai, the insurance company will take this into account when determining your Ottawa auto insurance premium, and you may qualify for green vehicle discounts. Your insurance broker will understand how each of these factors impacts your insurance rates, and will be able to help you get the package that would serve you best.

Are There Discounts For Car Insurance?

There are dozens of discounts available for Ottawa car insurance, and an insurance broker will help you get as many savings as possible. Discounts can help you reduce your auto insurance premium each year. Some popular car insurance discounts include: 

  • Autonomous Emergency Braking Discount
  • Green-Vehicle Discount
  • Mature-Driver Discount
  • Driver Training Discount
  • Bundled Insurance Discount 
  • Good-Driver Discount
  • Multi-Vehicle Discount
  • Short-Distance Commute Discount
  • Winter Tire Discount 
  • And many more

Your best bet is to speak with an insurance broker to ensure you receive all of the auto insurance discounts you qualify for.

How Can I Lower My Car Insurance?

There are ways to lower your car insurance in Ottawa. For starters, review the discounts list above to see if you may qualify for one or more of these discounts.

Consider if there are things you can change that would help to increase your savings. If you are a younger driver, taking a defensive driving course can help to lower your car insurance in Ottawa. If you arrange to have multiple policies at the same insurance company, this can help to lower your insurance premium.

Another great way to save on your insurance is to participate in auto insurance programs offered by insurance companies. An insurance broker can help you determine which company will provide you with the best Ottawa car insurance savings.  

Some popular auto insurance programs include:

  • Pay-As-You-Go Car Insurance: If you drive a limited number of kilometres, pay-as-you-go insurance can mean substantial savings. This program enables you to pay for auto insurance as you drive.
  • Usage-Based Car Insurance: Also known as telematics or pay-how-you-drive, these programs reward safe drivers with savings. Driving habits such as braking, speed and distances driven, are measured. Usage-based programs provide premium savings of 5% to 10% at the time of signup. Additional savings – sometimes as much as 30% – are applied later depending on how safely you drive.
  • CAA auto insurance savings: An insurance broker can help CAA members to save between 5% and 20% on their auto premium.

An insurance broker can explain the details and help determine which auto insurance program is right for you. The expertise of a broker can easily lead to heavy savings and discounts, as their years of experience gives them the knowledge of many possible discounts often not known to those outside the industry.

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How Do I Get The Best Rates For Car Insurance In Ottawa?

Finding the best rates for insurance can be overwhelming, even at the best of times. When you consider that all of the factors mentioned earlier all need to be considered, combined with the fact that every individual requires a different plan, there’s more than enough information to give you analysis paralysis. 

However, an Ottawa insurance broker who’s trained specifically to handle all of this can help you. You can compare Ottawa car insurance quickly and easily with the help of an insurance broker. An insurance broker will ask for details about you, your driving, your vehicle, and your insurance needs. The broker will then shop the insurance market for quotes and review these with you so you can determine which policy is best for you. 

Our brokers shop among many companies across all of Ontario. Our brokers have access to a large variety of insurance companies across the province. Since each of these companies have their own pros and cons, and each of our clients have different needs, we can determine which company is best for which client. We are unbiased when it comes to which company that we connect our clients with. We serve our clients and do our best to get them the great deal that they deserve. When you hire a broker to work on your behalf, you are hiring a trained and licensed professional who works for your benefit, and will shop around at many different companies in order to get you the best deal possible. When you get car insurance in Ottawa, the best thing you can do is to work with an insurance broker.

Who Offers The Best Car Insurance In Ottawa?

There are many Ottawa car insurance companies, each of which have their own pros and cons. There are so many factors in each person's situation that it's impossible to recommend one company over another. 

Your best bet is to work with an Ottawa insurance broker.once you have explained your needs and situation, they would be able to do a great job of getting you the insurance coverage that would be best for you. Insurance brokers like Morison Insurance Ottawa work with many different insurance carriers which means they can easily compare quotes to help you find the best insurance package for your needs. 

Don’t forget to check out reviews first! You can find reviews on car insurance in Ottawa on Google, Facebook and Yellow Pages.

How Do I Choose Car Insurance In Ottawa?

Choosing car insurance in Ottawa can be intimidating, and choosing it yourself can be both stressful and time consuming. Luckily, Ottawa car insurance brokers have experience in getting the best insurance coverage for their clients needs. By hiring an insurance broker, you make choosing your Ottawa car insurance easy.

Where Can I Buy Car Insurance In Ottawa?

With how important getting the right insurance is, and how helpful a broker can be, it's important that you hire the right one. You can contact us at Morison Insurance by calling 1-800-463-8074 to get the benefits of our 5-star coverage and expert advice.

 

This content is written by our Morison Insurance team. It is provided for general information only. Insurance needs differ from person to person, and this article is therefore not a substitute for professional advice about your individual insurance needs which can be obtained by speaking to one of our brokers.

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