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Compare and purchase the best
car insurance rates in Ottawa.

Compare and purchase the best
car insurance
rates in Ottawa.

Get free & accurate quotes from Canada’s top car insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
Get free & accurate quotes from Canada’s top car insurance providers. In just a few minutes, our quoter can unlock discounts that can have you saving hundreds of dollars a year on average.
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Getting car insurance in Ottawa doesn’t have to drain your “capital”

Many people know Ottawa as the Capital of Canada; however, it has so much more to offer than parliamentary architecture. This incredible city is home to numerous diverse Canadians and businesses. Not to mention, the scenery in Ottawa is breathtaking throughout the entire year, making it a fantastic road trip destination. If you’re hoping to do some shopping, you’re in luck — Bank St. is full of unique boutiques, many of which are within walking or driving distance from popular hotels.

While we’re on the topic of driving in Ottawa, current residents of the city may have noticed that the price of auto insurance rates is on the rise. Even though the cost of auto insurance in Ottawa remains lower than the national average, it’s a significant expense that many people would like to reduce. If you’re currently looking for ways to save money on car insurance in Ottawa, you should consider reaching out to a Surex Insurance Assistant.

At Surex, our primary goal is to provide you with the most affordable quotes from Ottawa’s most respected insurance providers. By teaming up with Surex, you can receive ten auto insurance quotes in ten minutes.

Car Insurance in Ottawa - What You Need to Know

At Surex, our three-step process will ensure that you end up with the best car insurance available in Ottawa. Here’s how it works:

  1. Personalized car insurance quotes — Surex will capture some of your basic information — either by phone or online — and then shop the market for you. In under ten minutes, you’ll have up to ten personalized car insurance offers to choose from.
  2. Customize your offers — Once you receive the initial car insurance quote, you can edit your information and compare quotes to find the best overall value.
  3. Purchase and manage 24/7 — Once you’ve selected a quote and reviewed the policy with your dedicated assistant, you can electronically sign documents to receive an instant proof of car insurance. If you’d rather speak with someone we will connect you with a dedicated insurance assistant to walk you through all the options and answer any questions you might have. Once finished, your documents will arrive in the mail and you can manage your policy 24/7 with our ‘My Surex’ login feature.
  • Learn the bridges — Between the Ottawa River and the Rideau River, there are over 30 bridges that Ottawa drivers use daily, including the Champlain Bridge, the Portage Bridge, the Laurier Avenue Bridge, and the Alexandra Bridge. The bridges are often under various states of repair, with the number of lanes changing regularly. Always plan your bridge trip in advance, avoid rush hour if possible, and be mindful of construction workers and route changes.
  • Prepare for snow — Ottawa’s winters are notorious for bitterly cold weather and exceptionally heavy snowfall. Expect limited parking in the downtown core during snowstorms, and prepare your vehicle for poor driving conditions with winter tires, an emergency kit, a snow scraper, a fully charged mobile phone, and winter-rated windshield washer fluid.
  • French language signs — If you’re planning on driving into neighbouring Gatineau, be prepared for French-only street signs. Luckily, if you don’t speak French, the province of Quebec has begun switching these signs to pictograms, ensuring that all drivers can navigate the roads safely.
  • Watch for cyclists — Ottawa has emerged as a national leader in cycling infrastructure, with separated bike lanes popping up all over the downtown core and beyond. If you’re driving in downtown Ottawa, be mindful of cyclists navigating the city on two wheels: never park in bike lanes, be careful when opening your door, and only make turns once you’re sure there isn’t a cyclist in danger.

Shop around — By comparing car insurance options online, you’re opening yourself up to a range of different rates and discounts from various car insurance companies. Finding an even slightly lower auto insurance rate can mean significant annual savings, so instead of simply renewing with your current insurance provider, it’s important that you take a few minutes to find the best coverage available at the best price possible.

Safe Driver Training – Taking a driver’s education course is not only a great way to reduce your chances of being involved in a vehicle accident, it’s also a common way to lower your auto insurance premiums in Ottawa. For their first three years of driving, graduates of an approved safe driver training typically qualify for auto insurance discounts of $1,000 to $1,500 annually.

Winter tires — One of the most common ways for Ottawa drivers to lower their auto insurance premiums is by installing approved winter tires during the winter months. To ensure the tires qualify as certified winter tires by the Rubber Association of Canada, look on the sidewalls for the symbol of the snowflake inside of a mountain. This means the tire is made of a soft rubber compound that allows for better braking and more traction in cold weather. Using winter tires can minimize the chances of auto-related accidents (which could potentially increase the cost of your car insurance in Ottawa).

Don’t pay for what you don’t need — If you have an older car, you may not require certain types of optional coverage. Collision and comprehensive, for instance, might not always be worth adding to your policy; if coverage has a $1,500 deductible, and your car is only worth $1,000, it probably doesn’t make sense to add, as the cost to replace the vehicle is lower than the cost to repair it. Speak with your dedicated insurance assistant to learn what coverages you do and do not need; doing this will help you get the cheapest car insurance in Ottawa.

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The best road-trip destinations in Ottawa

Hit the road with confidence knowing you’re covered with the right car insurance for your needs at
the lowest possible rate. Here are some of the top spots in Ottawa to explore on your next road trip.

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