Skip to content
PC Insurance

PC® auto insurance finds you coverage in Windsor

Car black


Get a quote
Phone with 24/7 bubble


Father carrying son

As a resident of Windsor, PC insurance helps find car insurance coverage that’s right for you. We guide you through what’s included in various insurance policies, offer professional advice, and even help you submit a claim. Get an online quote in minutes or call us to speak to one of our insurance specialists today.

Get the right insurance coverage for you.

As your insurance broker, we compare up to eight different auto insurance providers to find affordable rates in your city.

Aviva insurancePafco insurancePembridge insuranceEconomical insuranceTravellers insuranceIntact insurance

What mandatory coverage do I need to have in Windsor?

To legally drive a vehicle in Windsor and other parts of Ontario, there are four mandatory coverages that your auto insurance policy must include.

  • car in red shield


    Covers you if you are involved in an at-fault accident where the other driver files a lawsuit against you.

  • Person with seatbelt icon

    Accident benefits

    Covers anyone injured in your vehicle, including yourself, in an accident.

  • Car with lightening icon

    Direct compensation damage

    Covers any damage to your vehicle in an accident when you are not-at-fault or only partially at-fault as deemed by the insurance provider.

  • No protection icon

    Uninsured automobile

    Covers you in case you're in an accident with an uninsured or hit-and-run driver.

What optional coverage does PC auto insurance recommend?


Collision & Upset

This type of car insurance may cover damage caused to your vehicle by impact with another car, roadside object or any damage sustained in a roll-over.


Accident Forgiveness

If you’ve never been found at-fault for an accident, this coverage may protect you from increases to your premiums resulting from your first at-fault accident.


Family Protection

In the case of an accident with an uninsured or underinsured driver at fault, you or a member of your family may be covered.

What affects the cost of auto insurance in Windsor?

While it’s a given that safer drivers with fewer claims get lower rates, there are many things car insurance companies consider when determining your rates:

How can I lower my auto insurance premium?

While having auto insurance is mandatory in Windsor as well as other parts of Ontario, you can control aspects of your insurance cost. Providers largely determine their rates based on the driver’s risk to insure – taking advantage of their incentives can help lower your rates.

Money Tree Illustration

Take anti-theft measures

Where you live and the frequency of crime in your community will affect your rate. Taking proper preventative measures for car theft can help lower your insurance premiums. Consider installing a simple steering wheel lock or an advanced anti-theft system.

Use winter tires

Drivers in Windsor and other parts of Ontario are eligible for a reduced auto insurance rate if they install winter tires on their vehicle(s) during the colder months of the year.

Install a dashboard camera

While installing a dashboard camera won’t impact your auto insurance rates, it may help you settle claims with real-time footage of accidents and help preserve your driving record and premiums.

Bundle insurance policies

Some insurers offer bundling discounts with your auto insurance. In fact, you can save up to 20% on both your home and auto insurance if you decide to bundle them together with the same provider through PC insurance.

Take a driving course

Completing an accredited driver’s education course, may give you a discounted auto insurance rate.

Conviction-free discount

Never been convicted for a driving infraction? You could qualify for a discount.

How will adding a new G1/G2 driver to my insurance affect my rates?

While it’s certainly exciting, the thought of having a new driver in your car can be worrying. But with PC auto insurance, you can get coverage for your family member by adding them to your existing car insurance policy:

What are the most popular vehicle brands in Windsor?

Among the users who have gotten an auto insurance quote from PC insurance, the top 9 most popular car brands in Windsor are:

Who shops for auto insurance in Windsor?

Woman using laptop

Who sets car insurance rates in Windsor?

Whether it’s licensing insurance companies or regulating insurance premiums, car insurance in Windsor and the rest of Ontario is governed by the Financial Services Regulatory Authority of Ontario (FSRA). Changes to existing rates or creation of new insurance plans must be submitted to FSRA for consideration. The FSRA accepts or rejects rates based on the coverage offered to drivers versus the amount a rate must be to stimulate competition.

pc mastercard, pc world mastercard, and pc world elite mastercard

Earn 2X PC Optimum™ points on your PC Financial® Mastercard®

When you pay your PC auto insurance premium with the PC Financial Mastercard®, you earn 2X the regular PC Optimum points. These points are redeemable for free groceries, beauty, 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.

PC Optimum

We use cookies and other technologies to enable core functionality on our website(s) and to provide you with a personalized experience. For more information on cookies and how to manage your settings, visit the Loblaw Privacy Policy.