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Car Insurance in Ottawa

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Ottawa is the capital city of Canada, and the fourth largest CMA and city in the country. However, it bucks a trend in Ontario as it is a major population centre where customers can find affordable auto insurance quotes. Ottawa straddles the provincial border with Quebec, sitting next to the city of Gatineau. Together, these two cities form the Ottawa-Gatineau census metropolitan area (CMA), which has a population of 1,323,783.

On its own, Ottawa has a population of 960,243 (2016 census). The area on which the city now sits was founded as the settlement of Bytown in 1826, which was incorporated as Ottawa in 1855. The name is taken from the Ottawa River, itself a name derived from the Algonquin word Odawa (to trade).

Through its history, Ottawa has enjoyed consistent growth and became a major technological centre, becoming known as Silicon Valley North. The city also became the main political hub of Canada and has served as the capital city since December 31, 1857. Queen Victoria chose Ottawa to be the common capital for the Province of Canada (modern Quebec and Ontario), a position it has maintained as Canada modernized.

Due to being the seat of power in Canada, Ottawa has developer strongly in several areas. The city is the most educated in the country and is also a major research centre. Among the famed institutions in Ottawa are the National Arts Centre and the National Gallery. In addition, Ottawa is noted for the highest standard of living in Canada.

Affordable Auto Insurance in Ottawa

Ottawa actually bucks a worrying trend regarding auto insurance in Ontario. The most populated areas in the province are typically home to the most expensive auto insurance coverage in Canada. This is mostly in evidence through the Greater Toronto Area and the Golden Horseshoe. This area has rates up to 40% above the provincial average and is the biggest reason why Ontario is the most expensive insurance market in Canada.

However, in Ottawa, the price to insure a car is affordable when compared to the rest of the province. This is unusual for cities in general. Major urban populations are usually expensive places, so shopping for car insurance quotes is very important. More accidents, increased chance of theft, and busy roads mean customers in cities often pay above the odds.

Ottawa is a breath of fresh air because it is a market that goes against the norm. The average to insure a vehicle in the city ranges from $1009 in Heron and Riverside to $1125 in Nepean East and Riverview Hawthorn. In both cases, the cost of insuring a vehicle is well below the Ontario average, which is currently at around $1,430. This is nothing short of amazing. Even the most expensive average in Ottawa is over $300 more affordable than the provincial mean.

Location is a huge part of auto insurance calculation, but insurers also consider the following factors:

Driving Record: Arguably the most important factor in determining auto insurance in Barrie is your driving history. Traffic infractions such as DUIs or previous failed insurance payments will act negatively upon the cost of coverage. For example, a driver with one license suspension in the last six years will pay over $3,000 for their car insurance on average. This is more than double the average cost for the city ($1,000-$1,300).
Policy Options: All insurers offer a basic insurance policy under Ontarian regulations. However, customers can add to their policies with added benefits and coverage. These extras can add cost to the overall price of the policy.
How much and How far: Simply put, if you use your car regularly and drive long distances, your insurance will be more expensive on average than a driver who uses their vehicle less.

Affordable Auto Insurance in Ottawa


While premiums in Ottawa are affordable on average, customers should still shop around for the very best car insurance quotes. By comparing auto insurance quotes, customers can ensure they get the exact policy they require and at the most affordable price possible. Shopping around saves money!

Even though comparing car insurance quotes takes minutes and saves money, many customers still ignore this tactic and simply take the first quote they see. Often this means taking the renewal offer from the existing insurer. This is a mistake because you could end up paying up to hundreds of dollars more for your auto insurance.

This is where Shop Insurance Canada becomes a trusted ally. By using our quote tool, you can see results from over 25 of the best insurance companies in Ontario. Companies are always changing their rates, and insurers often have different prices to each other. Only by shopping around will you be able to find the most up to date price form your coverage.

The good news is the Shop Insurance Canada auto insurance quote engine is easy to use and gives you results in under a minute. We scour more than 25 of Canada’s leading insurance providers to come up with a list of quotes that offer you the very best coverage at the very best price.Our team of brokers—not agents—works for you, not an auto insurance company.

We are based in the Toronto, so understand the market and the challenges of insuring a vehicle in the city. Shop Insurance Canada can quickly provide impartial advice when it matters most. We act as an intermediary between you and the auto insurance companies to find you the lowest Toronto car insurance quote available.