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Home » Recent posts » Top 5 Car Insurance Providers in Ottawa That’ll Keep You and Your Wallet Safe on the Road

Top 5 Car Insurance Providers in Ottawa That’ll Keep You and Your Wallet Safe on the Road

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We extensively test and research all services we review. Here's why you can trust us.

  • Coverage Options - We prioritised providers offering a wide range of coverage options to suit various needs, from basic liability to comprehensive plans.

  • Customer Service - Companies with high ratings for customer service and support were given preference, ensuring responsiveness and helpfulness in handling enquiries and claims.

  • Price and Discounts - Competitive pricing and availability of discounts (e.g., for bundling policies or safe driving) were important in our evaluation.

  • Financial Stability - We looked for insurers with strong financial ratings, indicating their ability to pay out claims even in adverse circumstances.

  • Customer Reviews - We considered feedback and reviews from current and past policyholders to gauge overall satisfaction and experiences with the insurance providers.

Last week, my pal had a minor fender bender while trying to parallel park for the millionth time. He blamed it on me, saying I keep blocking the side mirror view, but let’s be real, his parking skills just stink.

Anyway, while we were laughing (and slightly panicking about possible scratches), he realised it was high time to figure out a good car insurance provider. That got me thinking, how many of us actually know which providers are the best in our city?

Lucky for you, I’ve done the homework! Whether you’ve had this little ‘hard time parking’ moment or are just being proactive, here’s my take on the best car insurance providers in Ottawa.

How much does car insurance typically cost in Ottawa?

In Ottawa, the average cost for car insurance is approximately $1,200 to $1,257 annually. These rates vary based on individual profiles, so it is recommended to compare personalised quotes for a more accurate estimate.

Tanner Insurance

tanner-insurance

Address: 200-2435 Holly Ln.

Phone: +1 613 232 5704

Business Hours:

  • Monday to Friday – 8 AM to 5 PM

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Website

Tanner Insurance impressed us with their comprehensive car insurance services. Now, their policies ensure peace of mind by offering extensive financial and liability protection.

We were even more happy with how their brokers are dedicated to helping clients compare options. They boast access to numerous insurers, allowing you to find a policy that fits both your needs and budget.

Something else we loved was their app, which provides round-the-clock access to all things insurance-related, with the option to print the documents at home if needed. 

They’ve even made it straightforward to request changes directly with your broker, which saves a lot of back-and-forth communication.

We also appreciate the quick answers to our emails and phone calls, as well as the thorough explanations of policies. The feedback from other clients was overwhelmingly positive as well.

However, we notice that their rates are on the high side. And while we think the app’s ease of access is a huge plus, some users prefer a more traditional approach.

Pros

  • Comprehensive coverage options
  • Personalised service from brokers
  • Convenient app for managing policies
  • Quick response time from representatives
  • Access to multiple insurance providers

Cons

  • High rates 
  • Some users prefer traditional methods over the app

Smooth interaction and speedy documentation

“I got in touch with Perry So from Tanner Insurance for my car insurance policy. The interaction was very smooth, I could understand all aspects of the policy and the entire process including documentation was completed in less than 2 hours – including proof of insurance receipt. The rates were competitive too based on market quotes received. Thank you Perry – I would be happy to refer family and friends to you. Nice experience.”

-Rajesh Bhayani, Google Review

Convenient and painless sign-up process

“Melissa was a fantastic help answering all questions & concerns. She was able to also present me with a quite that is 300$ less yearly, is also a better package. The sign up process is super convenient, as well as signing the documents online was smooth fast, & you just have to hit the next button. Amazing process was simple & painless. Thank you Melissa & everyone at Tanner!”

-Michael-Patrick Hunt, Google Review

Halpenny Insurance Brokers Ltd. 

halpenny-insurance-brokers-ltd

Address: 1550a Laperriere Ave #104

Phone: +1 613 722 7626

Business Hours:

  • Monday to Thursday – 8:30 AM to 4:30 PM
  • Friday – 8:30 AM to 12 PM

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Website

Upon checking Halpenny Insurance Brokers Ltd., what stood out straightaway was their impressive car insurance services.

They cover everything from third-party liability and collision to comprehensive coverage—all bases are protected!

Another thing that makes them particularly appealing is their financial stability and legacy. Being in the business for over says something in our books!

Their car insurance isn’t just a one-size-fits-all deal since you can get tailored options depending on your needs. However, some clients we interviewed did mention that their premiums can be a tad higher compared to others.

Moving on, we loved our conversation with their team, as well as how smooth and hassle-free the filing of our claim is. Many clients echoed this, and they also commended the quick turnaround times.

Aside from these, we’re also impressed by their extended insurance offerings for home, boat, and personal property insurance, making them one of our go-tos in Ottawa.

Pros

  • Comprehensive coverage options
  • Quick claim turnaround times
  • Helpful and supportive staff
  • Financially stable company
  • Tailored insurance plans

Cons

  • Potentially higher costs

Exceptional service and cost savings

“I use to be with another insurance broker and found Halpenny and got in touch with a wonderful agent who really helped me find a  cheaper rate than what I had. She really went out of her way for me like no other. She did all the work for me. She’s really great and of course halpenny. I have great respect for the agent and company. I would definitely recommend you guys. I’m actually able to save some money now in these hard times. Thank you so much”

-Marc Disipio, Google Review

Professionalism and quick turnaround

“I was so impressed by the speed and professionalism that was brought to bear in getting me both auto and home insurance on the very short notice that I need it. I worked with Madison on the team and she was gracious attentive and found me the perfect package for my needs. I cannot recommend more working with this team.”

-Sean Southey, Google Review

Steve Marchese – Desjardins Insurance Agent 

steve-marchese-desjardins-insurance-agent

Address: 2430 Bank St Suite 209

Phone: +1 613 737 3276

Business Hours:

  • Monday to Thursday – 9 AM to 7 PM
  • Friday – 9 AM to 5 PM
  • Saturday – 10 AM to 1 PM

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Website

When it comes to finding reliable car insurance in Ottawa, Steve March’s Desjardins Insurance Agency really stands out to us. 

Steve Marchese and his team bring over 40 years of combined insurance expertise, something that most of us see as a testament to their reliability and commitment.

The highlight here is their customisable coverage options. They offer everything from liability and collision to comprehensive coverage, accident forgiveness, and rental car benefits.

The process of these is incredibly straightforward, since they introduce to us the option to file claims or manage our policy through their handy app.

Most clients we talked to had positive feedback about the accessibility and transparency of the agency, noting how they keep customers informed every step of the way.

Another good thing we note is that they do offer appointments after hours to accommodate busy schedules.

On the flip side, while their rates are competitive, they are not necessarily the lowest in the market. Also, the initial quote process can be a bit lengthy, but it’s thorough, ensuring you get the coverage you really need.

Pros

  • Comprehensive coverage options
  • Customisable insurance policies
  • Financial stability
  • Responsive and engaged customer service
  • User-friendly mobile app
  • Quick claims turnaround times

Cons

  • High rates
  • Initial quote process can be lengthy

Outstanding service and guidance

“I’ve been with Desjardins/Steve Marchese since I first got my license and the experience has been nothing short of amazing. They’ve helped me get a better rate on my annual insurance, to decreased the interest on my car payments, and provided guidance on day-to-day incidents as they pop up. Whoever answers when you call will be upbeat and happy to help. They’re knowledgeable and always willing to provide friendly and beneficial guidance/advice.

I have worked with Heather, Lucas and Steve directly and the quality of the interactions have never been below superb. If y’all are reading this, thank you kindly for the advice, guidance and services over the years.“

-Joshua Hartley, Google Review

Exceptional customer service and flexibility

“I have had my auto and motorcycle insurance here for the last couple years, and Hayley recently helped us get a home insurance quote for our first home. Absolutely the best costumer service. Very friendly and helpful, and she went out of her way to put together different quote options. Thanks again!”

-Michael Patterson, Google Review

Co-operators 

co-operators

Address: 2460 Lancaster Rd #203

Phone: +1 613 733 4441

Business Hours:

  • Monday to Friday – 9 AM to 5 PM

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Website

When talking about car insurance in Ottawa, you’ve got to check out Co-operators.

We did a thorough sweep, and they’ve got a range of car insurance options that cover everything from basic liability to comprehensive plans that even include accident forgiveness.

Their ability to tailor policies to suit individual needs really caught our attention. If you’re a safe driver or good at bundling, there are some pretty sweet discounts to be had too.

We also note how straightforward their online quote process is. You can get a quote quickly and see a breakdown of possible policies without hassle, thanks to their user-friendly website and mobile app.

We’re even more impressed by their financial backing—a sense of stability that comes from being part of a well-established company. Their customer service is great as well.

A few clients mentioned how responsive and knowledgeable the staff are, which is something we noticed and experienced.

But while their policies are comprehensive, the price tag can be a bit steeper. On the plus side, their quick turnaround times for claims are definitely worth mentioning.

Pros

  • Wide range of customisable policy options
  • Excellent customer service
  • Strong financial backing and stability
  • User-friendly online tools and mobile app
  • Quick claims process

Cons

  • High rates

Consistently professional and responsive

“I have been with the Co-operators from my first car and apartment back in 2012. They have always given me the best deals and always quick responses. Always very professional and respectful.”

-Alex English, Google Review

Efficient and attentive assistance

“Danish has helped me so many times with my house and auto insurance, he’s always willing to listen and help you in the most efficient way possible! He’s the best ! When you’re dealing with Co-operators he’s the guy to go to. Danish will always solve your problem, this man is hands down the best !”

-Taimur Rizwan, Google Review

Billyard Insurance Group – Alta Vista 

billyard-insurance-group-alta-vista

Address: 1376 Bank St Suite 210

Phone: +1 613 790 8811

Business Hours:

  • Monday to Friday – 9 AM to 5 PM

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Website

The Billyard Insurance Group (BIG) is definitely making waves in Ottawa. We were genuinely impressed with their diverse insurance offerings and multilingual team.

They offer a wide range of coverage options, including liability, collision, and comprehensive coverages. 

We were happy to see that they have policies tailored not just for everyday vehicles but also for classic cars, which shows their understanding of different customer needs.

We also take note of how straightforward their process is for obtaining a quote, either online or by phone. Their brokers are specially commendable, as they manage to simplify some complex matters for us.

The financial stability of BIG is also reassuring, as they’re partnered with many of the top insurance companies in Canada. Moreover, their credentials and awards, like being recognised as the best car insurance provider in Ottawa, certainly add to their credibility.

However, we’re just a bit iffy about their high rates. For us, though, their quick turnaround for support and claims definitely makes up for it.

Pros

  • Diverse insurance offerings
  • Multilingual team
  • Straightforward quote process
  • Strong financial partnerships
  • Quick support and claims turnaround

Cons

  • High rates
  • Limited office locations for in-person visits

Incredible dedication and professionalism

“We recently had to change our car plans last minute because of an extremely high surcharge on a high-theft vehicle, which left us scrambling to arrange insurance in time for the new pickup. Murielle was incredible, she responded immediately and made everything so easy for us. We also decided to switch our home insurance to get a better deal on both, and she went above and beyond, even working late to make sure everything was sorted before our pickup day. We really appreciate her dedication and professionalism. It’s great to continue working with Murielle and Darryl, and we highly recommend them!”

-Tony Zhang, Google Review

Remarkable commitment and timely assistance

“Murielle is amazing. I had to obtain car insurance, and it had to be done in a short amount of time, and she took time away from her day off to make sure that it was done in time for me to get my new car. I will recommend Billyard, and specifically Murielle, to all of my friends.”

-Kathy Gallagher, Google Review