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Ottawa Car Insurance

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  • We get competitive prices and maximize discounts.
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Car Insurance Ottawa  

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.

What Is Ottawa Car Insurance?

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, 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. If you want to purchase increased coverages or additional insurance options for your vehicle, an insurance broker can arrange this for you. 

How Do I Get Quotes For My Ottawa Auto Insurance?

You can get Ottawa auto insurance quotes from an independent insurance broker. Insurance brokers are licensed insurance professionals who provide insurance expertise, price options and on-going service for customers.  

Insurance brokers do not work for any insurance companies; their goal is to get the best auto insurance for you. You will get several coverage options for your insurance, independent advice, and no pressure to buy from any insurance company. 

Insurance brokers also provide customer service on all things insurance – everything from making changes to helping resolve claims quickly and fairly. 

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. 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 modelAnnual 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).

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.

Does The Type Of Car I Drive Impact The Cost Of Ottawa Auto 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.

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Why Is Car Insurance Expensive in Ottawa?

Car insurance in Ottawa is not as expensive as in some other areas of Ontario, and 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. 

Are There Discounts for Ottawa 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.

Ottawa Auto Insurance Programs

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.

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What Insurance Coverages Should I Get For My Ottawa Auto Insurance?

Ontario law requires vehicle owners to have four types of coverages: third-party liability, accident benefits, direct compensation property damage and uninsured automobile coverage. Minimum coverage limits are required; however, you can opt to increase limits and purchase additional accident benefits. There are also many additional optional coverages – such as waiver of depreciation protection and emergency road-side protection – which you can add to your auto insurance. An insurance broker will explain these coverage options and help you make an informed decision.

How Can I Compare Ottawa Car Insurance?

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. 

Where Can I Get Ottawa Car Insurance?

Trust our Morison Insurance team with your Ottawa car insurance. We will help you get car insurance that is right for you and your lifestyle. Get started today by filling out the form on our website or give us a call at 1-800-463-8074. We look forward to serving you.

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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