Car insurance London, ON

Part of a series on car insurance rates in Ontario.

Fast facts about auto insurance in London

Average annual car insurance rate

Regular drivers in the city

Collisions per year (approximately)


Collision rate for the city

Average age

Average household income


Unemployment rate


Understanding car insurance in London, Ontario

London is the biggest city in Ontario west of the GTA. People moving there from Eastern Ontario might think it feels small, since its population is considerably smaller than some burroughs in the GTA, but it has a self-contained ecosystem that provides most people with everything it needs.

Unfortunately for those driving to work, London has experienced considerable suburban sprawl. Roads that used to accommodate traffic running east-west across the city become congested quite often, including Oxford (despite being a main thoroughfare).

London has a fair number of accidents, which put the average car insurance rate at the upper-middle end of the spectrum for Ontario. According to London’s Crime Map, most collisions occur downtown and east of Adelaide Street.

Burglary of cars far outweighs actual car thefts, and they happen most frequently in:

  • Downtown
  • Neighbourhoods along Dundas Street
  • Oxford and Second Street
  • Wonderland and Beaverbook

Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 18% on car insurance when you bundle them.

Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 18% on car insurance when you bundle them.

Busting myths about driving and insurance in London

Myth: Accidents are more frequent around Western and Fanshawe.

This isn’t the case according to the Community Crime Map. While you might expect to see a higher number of collisions correlating to higher traffic around Western University and Fanshawe College, the highest density for accidents actually happen downtown, the intersection at Sarnia and Wonderland, Fanshaw and Richmond (“Calamity Corners”), and around Vioctoria Hospital (Commissioners and Wellington).

Myth: Traffic and road maintenance are awful in London.

Traffic isn’t inherently bad in most of London, but it does get congested at some major intersections, including Oxford and Richmond, Wellington Road and Commissioners, and the intersection at Wharncliffe and Horton.

Otherwise, the city’s traffic runs reasonably well. Wonderland Road runs pretty smoothly as a main artery for the city, and traffic surrounding Western’s campus only gets clogged for short peak periods.

Myth: East of Adelaide (“EOA”) isn’t safe to live in.

This is one of London’s biggest myths. When locals refer to “EOA” they’re really talking about a generally small part of town between Adelaide Street and Quebect Street. Most of it has improved greatly in the last 15-20 years, and it has new families, immaculate landscaping, and old growth trees to prove it. You’ll actually find many public schools and charming neighbourhoods east of Adelaide.

Myth: Calamity Corners got its name from a high rate of collisions.

This one’s true, as far as anyone can tell. Most people simply know it as the main intersection by Masonville Mall, but it used to be the intersection of Highways 4 and 22. It serves as a major junction both on weekdays and weekends:


  • Students need it to get to and from Western’s campus.
  • Workers use it to get to and from downtown.
  • Everybody uses it to get to Masonville Mall, Silver City (the theater), and restaurants in the area.

How London’s rates compare to other cities in Ontario

  • North York: $4,261
  • Etobicoke: $4,199
  • Brampton: $4,071
  • Scarborough: $3,825
  • East York: $3,605
  • Woodbridge: $3,603
  • Richmond Hill: $3,579
  • Mississauga: $3,473
  • Markham: $3,389
  • Niagara Falls: $3,321
  • Bowmanville: $3,308
  • Peterborough: $3,259
  • Pickering: $ 3,245
  • Newmarket: $ 3,216
  • Hamilton: $3,201
  • Brantford: $ 3,158
  • Maple: $3,150
  • Whitby: $3,087
  • Ajax: $3,053
  • York: $2,999
  • Toronto: $2,983
  • Barrie: $2,924
  • Thornhill: $2,871
  • Waterloo: $2,867
  • Caledon: $2,780
  • London: $2,765
  • Fort Erie: $2,720
  • Oakville: $2,720
  • Sault Ste Marie: $ 2,713
  • Kitchener: $2,705
  • Milton: $2,680
  • St Catharines: $ 2,550
  • Windsor: $2,536
  • Woodstock: $2,513
  • Innisfil: $2,505
  • Burlington: $2,476
  • Kingston: $ 2,360
  • Cambridge: $2,297
  • Oshawa: $2,295
  • Guelph: $2,268
  • Gloucester: $2,256
  • Stoney Creek: $2,222
  • Nepean: $2,196
  • Ottawa: $2,195
  • Sudbury: $2,005
  • Kanata: $2,002
  • Thunder Bay: $1,973
  • Wasaga Beach: $1,958

Quick tips on driving in London

Go around London’s most dangerous intersections where possible.

Aside from the aptly named Calamity Corners, there are a handful of intersections that are too busy for their own good. They are:

  • Sarnia Road and Wonderland
  • Wellington Road and Commissioners Road East (by Victoria Hospital)
  • Entering and exiting side streets intersecting King Street.

Honourable mentions go to the intersections at Huron and Highbury, Hide Park and Oxford Street West, and wherever you’re trying to turn into White Oaks Mall from Wellington Road.

Ask traffic questions directly to the London Police Department.

The London Police Deaprtment’s Traffic Management Unit actively answers questions from Londoners pretty frequently. It’s headed up by Sergeant Sean Harding, and you can see the team answering common questions about London’s traffic right here here.

The 13-officer team specializes in the Highway Traffic Act, so their knowledge goes deeper than the average officer you might ask in person.

Look for downtown street parking around Victoria Park.

People will circle downtown London for half an hour trying to find a spot right on the road in front of The Works or The Early Bird, but that’s not how you want to spend your evening.

Instead you can find parking in the streets surrounding Victoria Park—except on Richmond Row, of course. That’s where taxis collect people and drop them off in front of the many cafes and bars downtown, making parking there a losing proposition.

London’s new downtown project changed  traffic patterns.

Locals know that the Galleria didn’t generate foot traffic or inspire boutique shops the way anyone had hoped in the 90s, so the city created its first flex street, called Dundas Place.

You can check out the design of the new-and-improved Dundas Street right here. Just remember that this redesign is meant to facilitate foot traffic, so it might be faster to drive around instead of cutting through it.

Sources for fast facts about London:

  • Lexis Nexis Community Crime Map, London, Ontario
  • London Free Press, “One of London’s busiest intersections is so choked with traffic, it’s on track to be classified as completely clogged in 10 years”
  • Dundas Place official website
    Ministry of Transportation Road Safety Report, 2016
  • Stats Canada, 2016 Census Profile, London

Source for average insurance rates by city:

  • Survey of 2,800 auto insurance policy holders in Ontario

Google Rating: 4.8

Hot Dang! Those are some beautiful words from beautiful people.