Compare Ottawa Car Insurance Quotes for 2024

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4.9
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Third-party liability
Up to $2,000,000
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$500 deductible
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$500 deductible
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Top policies beating market prices
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Third-party liability
Up to $2,000,000
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$500 deductible
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$500 deductible
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Perfect option for vans, trucks & SUVs
  • More than 5 additional coverages
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Third-party liability
Up to $2,000,000
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$500 deductible
Accident without collision
$500 deductible
Additional coverages
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  • Get a personalized car insurance premium with my Drive™
  • No premium increase for two at-fault losses in 5 years
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4.8
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Third-party liability
Up to $2,000,000
Collision or Upset
Different options
Accident without collision
Different options
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Best offer for young drivers under 25
  • Base rate plus distance-driven payments
  • Large amount of discounts available
  • Additional theft or vandalism coverage
With our partner LowestRates
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4.7
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Third-party liability
Up to $2,000,000
Accident without collision
$500 deductible
Additional coverages
Our review
  • Bundle Car and Home insurances to get discounts
  • Uninsured automobile coverage included
  • Get a direct compensation
With our partner YouSet
Save up to 15% by bundling your auto and home insurance!
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Looking for car insurance in Ottawa? You've come to the right place. In this guide, we explain everything you need to know about Ottawa car insurance: mandatory coverage, optional add-ons, costs, and more.

We also tell you how to get the cheapest Ottawa car insurance plan, tips to save, and discounts. You can use our free tool to compare quotes from Canada's best providers and get the best deals on your premiums.

How does car insurance work in Ottawa, Ontario?

In Ottawa, from the moment you own a vehicle, you must insure it through a private insurer. Your insurer will give you a certificate of automobile insurance, which must be renewed each year. This insurance certificate indicates the level of protection you have chosen, the optional guarantees chosen, and the period of coverage.

Watch out!

Driving without auto insurance is punishable by fines ranging from $5,000 to $15,000. Your driver’s license may be suspended and your vehicle may be seized.

Ottawa works with a no-fault system, which means that you have to deal first with your insurance company for your claims, regardless of whether or not you’re at fault. Two examples of this:

  • You’re at fault: Your insurance company won’t pay anything unless you took the optional coverages: collision, comprehensive depending on the claim.
  • You’re not at fault: Your insurance will pay under the DCPD coverage.

How much is car insurance in Ottawa?

The average Ottawa car insurance premium is typically $1,100 per year. This is much lower than the provincial average of $1,528 in Ontario. The cost of car insurance in Ottawa is also much lower than in Ontario where residents typically pay over $1,800 per year.

However, these prices do not apply to everyone as premiums are based on individual factors and prices change from one person to another. Car insurance premiums are typically based on the following:

  • Your age and sex.
  • Your driving record, i.e. your driving history.
  • The place where you live: it won’t be the same thing if you live in a city or the countryside!
  • The type of vehicle you drive: Depending on the vehicle you drive, your premium will increase or not. If it is a model that can be easily stolen, your premium will get higher. If you drive one of the most stolen cars, it is quite certain that your premium will tend to be higher.
  • The use you make of your vehicle: are your journeys to and from work daily, for example? Do you use your vehicle for business purposes?
  • The number of people insured on your car insurance and their driving level.
  • The date you obtained your driver’s license.
  • Third-party liability: did you choose a $1,000,000 third-party liability? More? Less? This changes your premium a lot!
  • The optional coverage: did you add accident forgiveness for example? roadside assistance? Same, this impacts your premium.

How to compare car insurance quotes in Ottawa?

You can use our free comparator tool below or at the top of this page to get personalized quotes from Canada's best car insurance providers. You can compare multiple quotes by answering a few basic questions on your profile, your vehicle, and the desired coverage.

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When you speak with an auto insurer or car insurance broker or use online tools, they will want to know:

  • Where you drive: You'll pay more in a bigger city than if you're in a small town away from urban centres.
  • How much you drive: You'll feel the price difference if you drive 100km round trip to work every day versus 10km.
  • Your age and experience: If you've had your license and driven incident-free for a while you'll pay more than a 20-year-old who just purchased their first car.
  • Your driving record: At-fault accidents, previous claims and demerit points will drive up your car insurance rates.
  • About secondary drivers: Do you have a teenager at home who borrows a car a lot?
  • What vehicle you are insuring: if your vehicle is statistically more likely to be in an accident or expensive to repair, your premiums will reflect that.
  • What optional coverages and amounts you chose: weigh coverage amounts and endorsements against premiums.

Good to know

As an alternative to using a comparison tool, you can get a quote by visiting the websites of multiple car insurance companies and filling out a request for each. This can be very time-consuming if you’re shopping a lot of providers. Alternatively, an insurance broker can help you over the phone or online. They are knowledgeable and often have access to competitive prices, but don't usually represent all brands.

What car insurance coverage is mandatory in Ottawa?

  • Third-party liability. This insurance is compulsory and covers you for material damage and bodily injury caused to others by your fault and its minimum mandatory amount is $200,000.
  • Statutory accident benefits coverage. This insurance protects bodily injury and:
  • Covers you if you are injured in an accident regardless of who is at fault
  • Covers the medical staff involved in the accident: medical care, rehabilitation and auxiliary care services
  • Covers income replacement.

Good to know

You must be insured for at least an amount of $65,000 for non-disabling injuries and $1,000,000 for critical disabling injuries. But you can decide to increase your car insurance amount to $130,000 for non-disabling injuries and $2,000,000 for critical disabling injuries.

  • Direct Compensation-Property Damage (DC-PD). This car insurance covers you for damage to your vehicle and the contents of said vehicle. There are a few conditions:
  • You must not be responsible for the accident
  • It must have taken place in Ottawa
  • Another vehicle must be involved
  • The other vehicle must be insured by a licenced insurer
  • Your insurance provider pays to repair your car
  • Uninsured automobile insurance. This insurance applies if you or someone in your vehicle is either injured or killed by an uninsured driver, or by a hit-and-run driver.

Here's a quick look at the coverage mandated in a table format.

Ottawa car insuranceMandatory or not
Public insurance
Third-party liability
Accident benefits
Direct Compensation Property Damage
Uninsured driver
Collision
Comprehensive
What car insurance coverage is mandatory in Ottawa?

What are the optional auto insurance coverages in Ottawa?

Here are all the main options you can add to your car insurance to be best protected:

  • Collision car insurance in Ottawa: This auto insurance protects you in the event of a collision of your vehicle with an object, which can also be the rollover of your vehicle. This insurance covers property damage caused by this accident. For example, if you hit a traffic sign, you will be covered by collision insurance. This coverage is not mandatory.
  • Comprehensive car insurance in Ottawa: This insurance protects you for anything that is not collision or upset, as the name suggests, therefore for anything that is vandalism, glass breakage, theft, fire. If you park your vehicle on the street and when you come back, one of the windows has been broken, you will be able to use this insurance if you have subscribed to it. It is possible to make car insurance estimates to see how much you want to be insured up to.
  • Specified Perils Auto Insurance in Ottawa: It covers you for risks that you have specified in the contract. For example, you can mention glass breakage but not include vandalism, theft but not include fire.
  • All-risk car insurance in Ottawa: This insurance is a combination of all other insurances: collision, payout and collision-free. The deductible is the same for all damages. You will thus be protected for all incidents beyond your control (vandalism, theft, fire) but also for incidents resulting from a road accident, collision with an object, or the overturning of your vehicle.

Most common add-ons to auto coverage

Here are some more options you could add to your car insurance in Ottawa, most of the car insurance companies propose this:

Car insurance options in OttawaExplicationsAvailability in Ottawa
Leased vehicle
Your rental vehicle will be insured in the same manner as your insured vehicle(s).
Accident Forgiveness
Your first accident won’t increase your car insurance premium
Replacement value for total loss
Also known as replacement value, your insurer will compensate you based on the purchase value of the vehicle without taking depreciation into account.
Alternate Transportation Benefits
Also known as loss of use of the vehicle, this covers the cost of rentals, transportation, cabs that you had to take during the period when you were unable to use your vehicle.
Emergency roadside
if you are out of gas, stuck, have a cracked wheel, the road assistance is there for it.
Options you can add to your car insurance in Ottawa.

What is the best car insurance in Ottawa?

The best car insurance depends on your individual needs and budget. However, here are some top Canadian providers that offer the best car insurance Ottawa coverage options.

Name of InsuranceKey FeaturesBest forOur Rating
lowestrates car insurance main
  • User-friendly online comparison tool
  • Get quotes from major companies like CAA, SGI, etc.
  • Choices for high-risk, student, and new drivers
  • Sample quotes ranged $70 - $167 per month
Users seeking multiple quotes from top insurers4/5
onlia car insurance main
  • Manage your policy entirely online
  • Easily customize coverage amounts and options
  • Add-ons like increased accident benefits, ridesharing
  • Digital experience without involving brokers
Individuals seeking online policy management4/5
economical car insurance main
  • Specializes in drivers with challenges
  • Robust protection against lawsuits
  • 24/7 emergency roadside assistance program
  • Tailor coverage to your exact needs
Policyholders with problematic driving records3.5/5
mychoice car insurance main
  • Get side-by-side quotes from various insurers
  • Easily adjust deductibles and recalculate
  • User-friendly quote form takes 2 minutes
  • Sample monthly quotes spanned $77 - $184
Quick quote comparison with minimal customization4/5
pafco car insurance main
  • Caters to drivers others won't cover
  • Helps improve poor driving records over time
  • Available in ON, QC, NS, NB, AB
  • Experts find the right policy for your situation
Drivers facing coverage challenges3.5/5
optimum car insurance main
  • Up to $2 million liability coverage
  • Discounts for mature drivers, multi-policy bundles
  • Add any combination of optional endorsements
  • Significant savings when bundling home and auto
Individuals seeking tailored insurance options4/5
promutuel car insurance main
  • Policies very easy to manage online
  • Discounts for environmentally-friendly vehicles
  • Also insure motorcycles, ATVs, RVs, more
  • Great website and mobile apps
Customers looking for easily managed digital policies3.5/5
td car insurance main
  • Choices like accident forgiveness protection
  • Savings when bundling and driving a hybrid
  • Customize premiums based on driving habits
  • Specialty insurance for cross-country travel
Customers seeking flexibility and various discount options4/5
rbc car insurance main
  • Useful add-ons like Family Protection
  • Satellite Program for towing and repairs
  • Prompt emergency roadside assistance
  • Many choices beyond basic coverage
Policyholders in need of emergency assistance services3.75/5
aviva car insurance main
  • Insurance specifically for ridesharing drivers
  • Steep discounts for safe driving and bundling
  • Save up to 20% with their telematics app
  • Handy endorsements like accident waiver
Ride-sharing service users and discount seekers4/5
desjardins car insurance main
  • 5-year replacement coverage option
  • Discounts for eco-cars, bundling policies
  • Rebates available for young drivers
  • Telematics app provides significant savings
Customers seeking distinct coverage add-ons4/5
co operators car insurance main
  • Co-op business structure that gives back locally
  • Mandatory coverage plus helpful add-ons
  • Choices like accident forgiveness, family protection
  • Demutualized to expand nationally
Customers valuing community-driven service3.5/5
all state car insurance main
  • Vast selection of coverage add-ons
  • Specialty insurance for ridesharing
  • Savings for good students and safe habits
  • Robust theft protection and parking tools
Customers seeking feature-rich auto insurance4/5
sonnet car insurance main
  • Fully online process with 24/7 support
  • File claims easily by phone, email, chat
  • Customizable endorsements
  • Alumni savings for graduates
Users desiring quick, online policy services4.5/5
Best car insurance Canada

You can compare quotes from these top providers and get the best deals using our free comparator at the top of this page.

8 tips to get the cheapest car insurance in Ottawa

Here 8 tips to get the lowest car insurance rates in Ottawa (without compromising on your policy's quality):

  1. Bundle your policies: You could easily get a discount if you buy a car and home insurance from the same insurer.
  2. Shop and compare to get the best deal: Compare quotes from several providers to weigh your options.
  3. Choose the right amount of deductible: If you choose a low deductible, your car insurance premium will go high. So choose a high deductible if you want to lower your car insurance premium!
  4. Choose the right coverages! For example, if you drive a really old car, maybe you shouldn’t have a very complete car insurance.
  5. Pay annually: This will avoid paying the rate fees to pay monthly. Especially if you're a first-time car insurance buyer in Ottawa (prices will always be more expensive for new drivers).
  6. Get a Security Device on your vehicle: You should install safety devices on your car and in turn, enjoy discounts.
  7. Have a good driving record: the better you drive, the lower you’ll pay!
  8. Install a telematic device: this tool will register your driving behaviour and your car insurance premium will be adapted to your kind of driving. So, if you’re a safe driver, and you want to save money on your car insurance, go for it!

What are the best car insurance discounts in Ottawa?

Ottawa auto insurers offer many discounts to save money on your insurance. Here are some of the best-known offers and ways to save on your premium.

  • Young Driver Discounts: Many insurers offer discounts for young drivers because the insurance premium for young people is quite high.
  • Group Discount: You can benefit from a discount if you are part of a group, this can be members of an association, employees of the same company, etc.
  • Discount for experienced drivers: You can get a discount if you have a good driving record and are over 50 years old.
  • Discount for combined policies: You can get a discount by combining your car and home insurance for example, the discount is often between 5 and 15%.
  • Discount for winter tires: It’s snowing in Ottawa! That’s why insurers often offer a discount if you add snow tires to your vehicle.
  • Retiree discount: You may be eligible for a 15% discount on Accident Benefits.
  • Renewal Discount: Your loyalty can be rewarded by some insurers if, for example, you have been with them for many years without having caused any accidents. You may also be eligible for other discounts depending on the auto insurers in Ottawa.
  • Low mileage discount.
  • Antitheft discount: Adding security to your vehicle

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Alexandre Desoutter
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Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.