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The benefits of PC auto insurance

Ottawa consistently ranks among the most congested cities in Canada. Whether you’re caught in rush hour traffic coming in from Kanata or struggling to make your way through to Byward Market, Ottawa’s traffic can cause plenty of undue stress. And the last thing you need to worry about when you’re stressed out in traffic is if your car insurance coverage is adequate for your needs.

As a car insurance broker, we shop at up to eight car insurance companies to ensure you receive the best rates we can get for your situation. And we are available 24/7 to help you with any claims.

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Plus, we reward you for every dollar you spend with a PC Financial Mastercard®.

When you pay your PC insurance premium with your PC Financial Mastercard®, you earn 2X the regular PC Optimum points – redeemable for free groceries, fashion and more at participating stores. Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards).

Visit for details and full store list.

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We get you the best car insurance rate we can for your situation in Ottawa.

At PC insurance, we find you the best rate we can get for your situation by researching and comparing options from up to eight auto insurance providers to find you coverage that will work for you.

Which car insurance companies does PC insurance work with in Ottawa?

PC insurance works with the following auto insurance companies in Ottawa:

Aviva insuranceIntact insuranceTravellers insuranceZenith insurancePafco insurancePembridge insuranceEconomical insurance

What factors affect the cost of car insurance in Ottawa?

There are many factors that contribute to auto insurance costs in the city. Here are some of the key considerations when insurance companies set rates:

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Vehicle type

Vehicle make, model and year are taken into account when calculating insurance premiums, along with the likelihood of a model being stolen or the price of replacement parts.

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Driver’s age

Drivers who have spent more time behind the wheel can establish a good driving record, and therefore may pose less of a risk to insurance companies. This is why older, more experienced drivers tend to pay lower insurance premiums than younger drivers.

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Postal code

Where you live can play a large role in determining the insurance premiums that you pay. More densely-populated urban areas tend to have a higher rate of claims than rural areas. Residents of downtown Ottawa can generally expect to pay more per year for auto insurance than residents of some less densely populated areas.

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Vehicle use

When working with our insurance brokers, be as specific as you can about your driving habits. How you use your vehicle, and how often, can affect your rate. For a more detailed record of your driving habits, you may want to consider installing a Usage-Based Insurance (UBI) unit on your car to track where and how you drive, which may end up benefiting you.

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Who sets car insurance rates in Ottawa?

To encourage fairer rates and consumer protection, the Financial Services Commission of Ontario (FSCO) regulates car insurance rates. These regulations are determined in the interest of offering adequate protection to drivers and other motorists on the road. Changes to a car insurer’s rates must be submitted to FSCO for approval.

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Is car insurance mandatory in Ottawa?

There are nearly 10 million cars in Ontario and every car driving on provincial roads must be insured by law. In Ontario, since car insurance is applied to the vehicle as opposed to the driver, car insurance must be taken out for each vehicle owned.

What can I do to lower the cost of car insurance in Ottawa?

Insurance providers, who offer many incentives to help drivers lower their rates and reduce their risk to insure. Here are some common ways you can take advantage of car insurance provider incentives:

Install anti-theft devices

Any steps taken to help prevent theft can help to lower premiums. This includes everything from installing a sophisticated anti-theft system to a simple steering wheel lock.

Winter tires

Purchasing a set of winter tires can not only help keep you safer when the snow starts to pile up, but many insurers offer a winter tire discount on premiums.

Consider bundling

An easy way to help save money each month is to bundle home and auto insurance with the same insurer. Most insurers will offer some sort of discount for customers who opt to combine both home and auto insurance.

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How does adding a new G1/G2 driver to my insurance affect costs?


Every vehicle on the road in Ottawa must be insured by law, but G1 drivers cannot be listed as the main driver on an insurance policy – they will have to be added to your insurance policy.


Adding an occasional G1 driver to your insurance policy won’t necessarily increase your insurance rate. But when that G1 driver graduates to a G2 they are considered an “independent driver” which may lead to higher premiums.


Driver’s education courses are not mandatory in Ottawa, but they are commonplace and the cost of taking a course may help you have a lower premium. They also have the added benefit of reducing the wait time for a G2 test from 12 months to eight months.

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Why is insurance more expensive in some parts of Ottawa than others?

Insurance companies rely on local statistics when establishing car insurance rates. In areas where car break ins and auto accidents tend to occur more frequently, such as downtown Ottawa, residents may pay higher insurance premiums than residents in some less risky suburban areas, all else being equal. This is one of the factors that explains why prices might vary between different areas like Barrhaven and Stittsville and downtown Ottawa.

What types of car insurance does PC insurance offer in Ottawa?

In Ottawa, there are certain mandatory elements of an insurance policy which must be present in order for a vehicle to be legally insured.

These four types of auto insurance are required by law in Ottawa:

  • Liability

    Liability insurance helps provide coverage in the event that you are involved in an at-fault accident where the other driver sues you.

  • Accident benefits

    This type of insurance helps provide coverage if someone riding in your vehicle, including yourself, is injured in an accident.

  • Direct compensation damage

    Direct compensation damage helps to cover the cost of damage to your vehicle in accidents where you are found to be either not at fault or partially at fault.

  • Uninsured motorist

    If you are involved in a collision with a driver who is not insured, or a hit-and-run, this type of car insurance helps cover you.

    These two types of car insurance are optional additions:

    Comprehensive: Comprehensive coverage helps cover the loss of your vehicle in the event of fire, theft, or vandalism.

    Collision & Upset: Helps cover damage to your vehicle caused by impact with another vehicle or object (such as a guard-rail) or any damage caused by your car rolling over.