Ottawa
Ottawa car insurance
Compare and buy policies from top Ottawa car insurers in less than 4 minutes, online.
Affordable car insurance this year, next year, and beyond
We don’t just help you find affordable car insurance this year, we’ll actually help keep it that way next year (and the year after!) too.
Exclusive rates and discounts
Our technology unlocks exclusive rates and discounts, so you never miss out on savings.
Buy online or over the phone
Get insured your way – buy online, or chat with a licensed expert by SMS or phone.
Proactive price increase alerts
If your price increases at renewal, we’ll alert you and even re-shop with another insurer for you.
Self-serve features
Make modifications and access your documents in one place — even from different insurers.
Ottawa car insurance quotes starting at $16/month
Ottawa drivers deal with it all — from busy downtown streets and bridges over the Ottawa River to treacherous winter roads and heavy commuter traffic on the 417.
Add increasingly severe storms, tough winter conditions, and road hazards to the mix, and it’s easy to see why insurance isn’t optional.rnrnBut just because car insurance is mandatory in Ottawa, doesn’t mean you have to settle for overpriced coverage.
With YouSet, we’ll find you the best price year after year, all while making sure you meet the provincial requirements.
Buy car insurance online in Ottawa in 4 minutes or less
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1
Share and compare
3 minAnswer a few questions to compare quote rates and unlock exclusive discounts.
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2
Buy online
1 minCustomize your coverage and buy your policy directly on YouSet through our secure online checkout.
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Renew at the best price
You will be notified if your price increases, and we’ll re-shop for a better deal for you.
Find car insurance near you
As a RIBO-licensed broker, YouSet compares multiple quotes from Ontario’s top car insurance companies in under 4 minutes.
Ontario car insurance by city
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Great service! The team works very quickly and professionally! I urgently needed insurance and they issued it in one day.
IIryna -
Rapid service, all handled via email and text, no waiting on hold.
JJeremy -
Straightforward service with fast turnaround and kindness. What more could you ask for?
GGina -
This company is unlike most companies these days. They are easy to communicate with, efficient and offer good prices.
CCaroline
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I had already looked for my insurance renewal and thought I had found a good deal. YouSet found an equivalent solution at $400 cheaper.
GGuylaine -
Fast response, easy and reliable. Got the best rate by a mile with YouSet.
JJulien -
Easy to buy car insurance. Perfect for a busy person like me.
NNoli
Types of car insurance coverage in Ontario
All YouSet car insurance policies in Ontario come with the required coverage. The rest is up to you. Choose the extras that match how and where you drive, with limits and deductibles that you can manage.
Save up to 15% more when you bundle
YouSet is the only digital broker in Canada that automatically compares the cost of bundling home and car insurance from a single insurer against the cost of mix-and-match home and car insurers. Whichever option offers the best price is the one we present to you.
Insurer A
Insurer B
Insurer C
Everything you need to navigate insurance in Ottawa
Whether you’re insuring your car, home, or both, we’ll help make it a little less stressful — and a lot more affordable.
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Car insurance calculator
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Car insurance glossary
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Ottawa homeowners insurance
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Ottawa tenant insurance
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Ottawa condo insurance
The average cost of car insurance in Ottawa is $170 per month among YouSet users. Just keep in mind: the “average” isn’t necessarily what you should be paying, it’s simply a midpoint across a wide range of driver profiles.
Generally, car insurance is cheaper in Ottawa than in Toronto. More people and heavier traffic mean a higher risk of accidents and claims, which drives premiums up.
For example, Ottawa has just over a million residents, while the region of Toronto has 6.4 million—over six times as many people. More drivers and more traffic naturally lead to more accidents and claims, which helps explain why auto insurance tends to cost less in Ottawa than it does in Toronto. While population isn’t the only factor, it is a major one.
If you’re looking to get cheaper car insurance in Ottawa, here are a few practical things you can try that may help lower your premium:
- Use a broker (like YouSet) which compares multiple quotes automatically to find you the best price
- Bundle your home and car insurance through YouSet to save up to an additional 15% on your premium
- Apply all eligible discounts—or let YouSet automatically find and apply them for you
- Choose a higher deductible, if you can comfortably afford it, to reduce your premium
- Opt into telematics or usage-based programs, such as Intact MyDrive or Wawanesa Drive Change, to potentially earn savings based on safe driving habits
- Maintain a clean driving record to keep your traffic violations and claims history low
- Evaluate your coverage needs based on your car’s current value, rather than defaulting to full coverage unnecessarily
- Avoid street parking whenever possible; use secured or covered parking to reduce theft and damage risk
- Recheck your policy after major life changes, like moving, commuting less, or removing a child as an occasional driver, to ensure your coverage is up to date and cost-effective
There are many highly regarded car insurance brokers in Ottawa to choose from. Some operate from physical offices, while others—like YouSet—are fully digital brokers.
Even without a storefront, digital brokers are RIBO-licensed, meaning they are fully authorized to sell car insurance in Ottawa. This means YouSet can provide the same expertise, coverage options, and personalized service as traditional brokers, but with the added convenience of handling everything online.
Get cheaper Ottawa car insurance — year after year
