See car insurance rates in Windsor, Ontario.

Part of a series on car insurance rates in Ontario.

Fast facts about auto insurance in Windsor

Average annual car insurance rate

Regular drivers in the city

Collisions per year (approximately)

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Collision rate for the city

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Unemployment rate

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Understanding car insurance in Windsor, Ontario

The city of Windsor can often be overlooked by its larger neighbour to the north, Detroit (yes to the north), but it has a lot to offer. Affordable real estate, a strong tourism industry, and local jobs that don’t require much commuting.

Compared to the commuting-oriented communities in the Greater Toronto Area, this does wonders for your car insurance rates. Since longer distances travelled in your vehicle inform your insurance rates, having a short-ish commute to work does wonders for your wallet.

The other keys to lowering car insurance rates in Windsor are choosing your residence and your vehicles wisely. The city’s average car insurance rate is pretty low given the city’s crime severity index and the medium-high collision rate.

That means you can lower your rates further by choosing in an area with fewer reported incidents the next time moving makes sense. Choosing more affordable cars with fewer onboard electronics also go a long way toward minimizing the costs for repair or replacement.

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 Windsor

Myth: There’s a mysterious humming in Windsor and nobody knows why.

Actually, this one’s partly true! There is a humming in parts of the city and it comes from Zug Island, as far as anyone can tell. Scientists think it’s because of the steel factories operating day and night, but if you’ve lived here since 2010 then you’ll have heard all kinds of conspiracy theories about it.

Myth: There’s only room for auto manufacturing in Windsor.

While auto manufacturing has been a staple of the city for generations, the city’s own mayor called for diversification to weather new economic challenges when they happen. This is the perfect opportunity for technology companies, marketing agencies, financial planners, brokerages, and designers to grow alongside that diversification.

Myth: There isn’t a lot to do in Windsor.

Definitely wrong. Windsor’s history of distilleries has earned it the name of “Whiskey Town,” and there are plenty of annual festivals all over the city: Summerfest, Bluestfest, and the Craft Beer Festival are just a few. Proximity to Detroit also means you can hop across the river to catch major bands on tour whenever they pass through.

Myth: Windsor isn’t a safe place to raise a family.

Wrong. While Windsor’s downtown core experiences significantly higher crime instances than the rest of the city, you can find neighbourhoods to call home with much lower crime rates all over Windsor. According to Crime Reports from the Windsor Police, neighbourhoods by Tecumseh, Foster, and Russel Street have very reasonable.

How Windsor’s rates compare to other cities in Ontario

  • North York: $4,261
  • Etobicoke: $4,199
  • Brampton: $4,071
  • Scarborough: $3,825
  • Woodbridge: $3,603
  • Richmond Hill: $3,579
  • Mississauga: $3,474
  • Markham: $3,389
  • Hamilton: $3,201
  • Ajax: $3,053
  • York: $2,999
  • Toronto: $2,983
  • Barrie: $2,924
  • London: $2,765
  • Oakville: $2,720
  • Kitchener: $2,705
  • Windsor: $2,536
  • Burlington: $2,476
  • Gloucester: $2,256
  • Ottawa: $2,195

Quick tips on insurance and driving in Windsor

If you’re working in Detroit, get a Nexus Pass.

It’s not uncommon to travel back and forth across the border for work, since Windsor and Detroit are only separated by a river. It could still take time to cross the border, but the distance travelled isn’t going to be that far—and that’s what matters for calculating your car insurance premiums.

Windsor’s mild climate is better for your car.

Winter driving is synonymous with most of Canada, but Windsor’s climate is south enough that it’s warmer than the rest of the country in winter (for the most part). That means roads don’t get as icy, spark plugs don’t wear as fast, and—combined with less commuting compared to the GTA—fewer accidents are bound to happen.

Windsor Airport is excellent for continental flights.

Taking a vacation or a business trip to another North American location means you can get away with using a smaller airport. Forget Pearson way out in Toronto. If you want a quick departure and arrival, then take advantage of the local airport here. It’s common knowledge that many Americans fly out of Canada for that very reason.

Don’t make downtown part of your daily route.

Windsor closes its downtown area for events and construction, which are pretty frequent. Combined with the slew of one-way streets, it’s easy to find yourself in a dead-end if you’re used to taking one route to work every day. Drive around it for more reliable trips to and from work.

Sources for fast facts about Windsor:

  • Statistics Canada, Windsor 2016 Census Profile
  • Ministry of Transportation, 2016 Road Safety Report
  • City of Windsor, “Festivals and Events”
  • CBC News Windsor, “Building on our strengths: ‘future-proofing’ Windsor’s economy”
  • Windsor Police Force Crime Map

Source for average insurance rates by city:

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

Google Rating: 4.8

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