AUTO INSURANCE
Need trusted
auto insurance?
Protect your vehicle with coverage that fits your unique budget and lifestyle. Get lasting peace of mind on every drive with flexible plans, fast claims, and trusted support.
"I've dealt with the Rowat family since 1990. Every interaction has been extremely efficient, personal, professional and ethical."
PROTECTION THAT FITS
Stay legal & protected on the road
Driving without insurance in Canada isn’t just risky—it’s illegal. Accidents can lead to thousands in repairs, medical bills, and legal fees—plus fines for being uninsured. Rowat Insurance offers flexible, comprehensive auto coverage tailored to your lifestyle. Start with a quick quote, and our advisors will recommend the right plan for you.
PROTECTION THAT FITS
Stay protected on the road
Driving without insurance in Canada isn’t just risky—it’s illegal. Accidents can lead to thousands in repairs, medical bills, and legal fees—plus fines for being uninsured. At Rowat, we offers flexible, comprehensive auto coverage tailored to your lifestyle. Start with a quick quote, and our brokers will recommend the right plan for you.
PROTECTION THAT FITS
Stay legal & protected on the road
Driving without insurance in Canada isn’t just risky—it’s illegal. Accidents can lead to thousands in repairs, medical bills, and legal fees—plus fines for being uninsured. Rowat Insurance offers flexible, comprehensive auto coverage tailored to your lifestyle. Start with a quick quote, and our brokers will recommend the right plan for you.
PROTECTION THAT FITS
Stay legal & protected on the road
Driving without insurance in Canada isn’t just risky—it’s illegal. Accidents can lead to thousands in repairs, medical bills, and legal fees—plus fines for being uninsured. Rowat Insurance offers flexible, comprehensive auto coverage tailored to your lifestyle. Start with a quick quote, and our brokers will recommend the right plan for you.
WHY GET AUTO INSURANCE?
Stay legal & protected
on the road
Driving without insurance in Canada isn’t just risky—it’s illegal. Accidents can lead to thousands in repairs, medical bills, and legal fees—plus fines for being uninsured. Rowat Insurance offers flexible, comprehensive auto coverage tailored to your lifestyle. Start with a quick or detailed quote, and our brokers will recommend the right plan for you.
COVERAGE YOU CAN COUNT ON
COVERAGE YOU CAN COUNT ON
COVERAGE YOU CAN COUNT ON
COVERAGE YOU CAN COUNT ON
We’re here to give you peace of mind
We’re here to give you peace of mind
We’re here to give
you peace of mind
We’re here to give
you peace of mind
Whether you drive a sedan, SUV, or sports car, we’ve got you covered with reliable support and protection from unexpected costs. Our auto insurance plans include:
Whether you drive a sedan, SUV, or sports car, our team ensures you're protected from unexpected costs. Our auto insurance plans include:
Whether you drive a sedan, SUV, or sports car, we’ve got you covered with reliable support and protection from unexpected costs. Our auto insurance plans include:
Whether you drive a sedan, SUV, or sports car, we’ve got you covered with reliable support and protection from unexpected costs. Our auto insurance plans include:
Liability coverage
Covers legal costs if you're found at fault in an accident.
Accident benefits
Helps with medical bills, rehab, lost income, and funeral expenses.
RATE BREAKDOWN
RATE BREAKDOWN
RATE BREAKDOWN
RATE BREAKDOWN
What affects my car insurance rate in Ottawa?
What affects my car insurance rate?
What affects my car
insurance rate in Ottawa?
What affects my car
insurance rate in Ottawa?
Vehicle factors
Your insurance rate depends on your car’s age, make, and model. Newer, high-value vehicles often cost more to insure due to pricey parts or theft risk. Older models with hard-to-find parts can also increase rates. Insurers assess how your vehicle affects repair or replacement costs.
Vehicle factors
Your insurance rate depends on your car’s age, make, and model. Newer, high-value vehicles often cost more to insure due to pricey parts or theft risk. Older models with hard-to-find parts can also increase rates. Insurers assess how your vehicle affects repair or replacement costs.
Vehicle factors
Your insurance rate depends on your car’s age, make, and model. Newer, high-value vehicles often cost more to insure due to pricey parts or theft risk. Older models with hard-to-find parts can also increase rates. Insurers assess how your vehicle affects repair or replacement costs.
Vehicle factors
Your insurance rate depends on your car’s age, make, and model. Newer, high-value vehicles often cost more to insure due to pricey parts or theft risk. Older models with hard-to-find parts can also increase rates. Insurers assess how your vehicle affects repair or replacement costs.
Driver history
Your driving experience, age, and history impact your premium. Young or new drivers often pay more due to higher risk. Your postal code also matters—living in a high-claim area can raise rates. Insurers use location and driving records to assess risk and set your rate.
Driver history
Your driving experience, age, and history impact your premium. Young or new drivers often pay more due to higher risk. Your postal code also matters—living in a high-claim area can raise rates. Insurers use location and driving records to assess risk and set your rate.
Driver history
Your driving experience, age, and history impact your premium. Young or new drivers often pay more due to higher risk. Your postal code also matters—living in a high-claim area can raise rates. Insurers use location and driving records to assess risk and set your rate.
Driver history
Your driving experience, age, and history impact your premium. Young or new drivers often pay more due to higher risk. Your postal code also matters—living in a high-claim area can raise rates. Insurers use location and driving records to assess risk and set your rate.
Usage patterns
How you use your car affects your premium. Daily commuting, business use, or infrequent driving all impact rates. Vehicles used often or commercially tend to have higher premiums. Insurers assess usage patterns to estimate how likely you are to file a claim.
Usage patterns
How you use your car affects your premium. Daily commuting, business use, or infrequent driving all impact rates. Vehicles used often or commercially tend to have higher premiums. Insurers assess usage patterns to estimate how likely you are to file a claim.
Usage patterns
How you use your car affects your premium. Daily commuting, business use, or infrequent driving all impact rates. Vehicles used often or commercially tend to have higher premiums. Insurers assess usage patterns to estimate how likely you are to file a claim.
Usage patterns
How you use your car affects your premium. Daily commuting, business use, or infrequent driving all impact rates. Vehicles used often or commercially tend to have higher premiums. Insurers assess usage patterns to estimate how likely you are to file a claim.
WAYS TO SAVE
WAYS TO SAVE
WAYS TO SAVE
WAYS TO SAVE
How to lower your car insurance rate in Ottawa
How to lower your car insurance rate
Compare quotes
Compare quotes regularly. Rowat Insurance offers competitive rates and solid coverage. Since rates vary by provider and personal details, regularly checking quotes ensures you’re getting the best deal for your situation. Tip: winter tires can save you 5%.
Compare quotes
Compare quotes regularly. Rowat Insurance offers competitive rates and solid coverage. Since rates vary by provider and personal details, regularly checking quotes ensures you’re getting the best deal for your situation. Tip: winter tires can save you 5%.
Compare quotes
Compare quotes regularly. Rowat Insurance offers competitive rates and solid coverage. Since rates vary by provider and personal details, regularly checking quotes ensures you’re getting the best deal for your situation. Tip: winter tires can save you 5%.
Compare quotes
Compare quotes regularly. Rowat Insurance offers competitive rates and solid coverage. Since rates vary by provider and personal details, regularly checking quotes ensures you’re getting the best deal for your situation. Tip: winter tires can save you 5%.
Bundle your policies
Bundling home, auto, or other coverage with one insurer can lead to discounts and simplify your plan. Adding a second car or family member to a shared policy may also cut costs, especially if everyone lives together and shares vehicles.
Bundle your policies
Bundling home, auto, or other coverage with one insurer can lead to discounts and simplify your plan. Adding a second car or family member to a shared policy may also cut costs, especially if everyone lives together and shares vehicles.
Bundle your policies
Bundling home, auto, or other coverage with one insurer can lead to discounts and simplify your plan. Adding a second car or family member to a shared policy may also cut costs, especially if everyone lives together and shares vehicles.
Bundle your policies
Bundling home, auto, or other coverage with one insurer can lead to discounts and simplify your plan. Adding a second car or family member to a shared policy may also cut costs, especially if everyone lives together and shares vehicles.
Adjust your deductible
Choose a higher deductible to lower your premium—just be sure you’re okay with more out-of-pocket costs. Switching from monthly to annual payments can also save money by cutting admin fees, making it an easy way to reduce costs over time.
Adjust your deductible
Choose a higher deductible to lower your premium—just be sure you’re okay with more out-of-pocket costs. Switching from monthly to annual payments can also save money by cutting admin fees, making it an easy way to reduce costs over time.
Adjust your deductible
Choose a higher deductible to lower your premium—just be sure you’re okay with more out-of-pocket costs. Switching from monthly to annual payments can also save money by cutting admin fees, making it an easy way to reduce costs over time.
Adjust your deductible
Choose a higher deductible to lower your premium—just be sure you’re okay with more out-of-pocket costs. Switching from monthly to annual payments can also save money by cutting admin fees, making it an easy way to reduce costs over time.
WHAT WE OFFER
WHAT WE OFFER
WHAT WE OFFER
WHAT WE OFFER
Coverage types
Coverage types
Understanding your coverage options
Helping you understand your auto insurance coverage options
Understanding your coverage options
Understanding your coverage options
Liability coverage
Third-Party Liability insurance is mandatory in Canada. It protects you financially if you're at fault in an accident that causes injury or property damage, covering legal fees and settlements up to your policy limit.
Accident benefits coverage
Accident Benefits coverage helps with medical costs, rehabilitation, income replacement, and care services if you're injured. It can also support your spouse or dependents in the event of your death.
Uninsured automobile coverage
This protects you and your family if you're injured or killed in a collision involving an uninsured driver or a hit-and-run. Coverage requirements vary by province but are essential for added security.
Direct compensation property damage
Mandatory in most provinces, DCPD covers damage to your vehicle and belongings when another driver is at fault. You’re paid directly by your insurer, streamlining the claims process.
Progress Dashboard
Add extra protection with options like Comprehensive Coverage for theft, vandalism, and more. Increase limits or extend benefits based on your needs—our brokers will guide you.
Ridesharing coverage
If you drive for Uber, Lyft, or another ride-hailing service, we can help secure ridesharing coverage that protects you, your vehicle, and your passengers—from the moment a trip is accepted to its end.
Liability coverage
Third-Party Liability insurance is mandatory in Canada. It protects you financially if you're at fault in an accident that causes injury or property damage, covering legal fees and settlements up to your policy limit.
Accident benefits coverage
Accident Benefits coverage helps with medical costs, rehabilitation, income replacement, and care services if you're injured. It can also support your spouse or dependents in the event of your death.
Uninsured automobile coverage
This protects you and your family if you're injured or killed in a collision involving an uninsured driver or a hit-and-run. Coverage requirements vary by province but are essential for added security.
Direct compensation property damage
Mandatory in most provinces, DCPD covers damage to your vehicle and belongings when another driver is at fault. You’re paid directly by your insurer, streamlining the claims process.
Progress Dashboard
Add extra protection with options like Comprehensive Coverage for theft, vandalism, and more. Increase limits or extend benefits based on your needs—our brokers will guide you.
Ridesharing coverage
If you drive for Uber, Lyft, or another ride-hailing service, we can help secure ridesharing coverage that protects you, your vehicle, and your passengers—from the moment a trip is accepted to its end.
Liability coverage
Third-Party Liability insurance is mandatory in Canada. It protects you financially if you're at fault in an accident that causes injury or property damage, covering legal fees and settlements up to your policy limit.
Accident benefits coverage
Accident Benefits coverage helps with medical costs, rehabilitation, income replacement, and care services if you're injured. It can also support your spouse or dependents in the event of your death.
Uninsured automobile coverage
This protects you and your family if you're injured or killed in a collision involving an uninsured driver or a hit-and-run. Coverage requirements vary by province but are essential for added security.
Direct compensation property damage
Mandatory in most provinces, DCPD covers damage to your vehicle and belongings when another driver is at fault. You’re paid directly by your insurer, streamlining the claims process.
Progress Dashboard
Add extra protection with options like Comprehensive Coverage for theft, vandalism, and more. Increase limits or extend benefits based on your needs—our brokers will guide you.
Ridesharing coverage
If you drive for Uber, Lyft, or another ride-hailing service, we can help secure ridesharing coverage that protects you, your vehicle, and your passengers—from the moment a trip is accepted to its end.
Liability coverage
Third-Party Liability insurance is mandatory in Canada. It protects you financially if you're at fault in an accident that causes injury or property damage, covering legal fees and settlements up to your policy limit.
Accident benefits coverage
Accident Benefits coverage helps with medical costs, rehabilitation, income replacement, and care services if you're injured. It can also support your spouse or dependents in the event of your death.
Uninsured automobile coverage
This protects you and your family if you're injured or killed in a collision involving an uninsured driver or a hit-and-run. Coverage requirements vary by province but are essential for added security.
Direct compensation property damage
Mandatory in most provinces, DCPD covers damage to your vehicle and belongings when another driver is at fault. You’re paid directly by your insurer, streamlining the claims process.
Progress Dashboard
Add extra protection with options like Comprehensive Coverage for theft, vandalism, and more. Increase limits or extend benefits based on your needs—our brokers will guide you.
Ridesharing coverage
If you drive for Uber, Lyft, or another ride-hailing service, we can help secure ridesharing coverage that protects you, your vehicle, and your passengers—from the moment a trip is accepted to its end.
FAQs
FAQs
FAQs
FAQs
Answering your questions
Find answers
Got more questions?
Send us a message below.
Got more questions?
Send us a message below.
Got more questions? Send us a message below.
Got more questions?
Send us a message below.
How much does car insurance cost in Ottawa??
The average annual cost of car insurance in Ottawa is around $1,500. However, premiums vary widely based on factors like your age, driving history, type of vehicle, and even your postal code. Some drivers may pay as little as $500 annually, depending on their risk profile and coverage needs.
How much does car insurance cost in Ottawa??
The average annual cost of car insurance in Ottawa is around $1,500. However, premiums vary widely based on factors like your age, driving history, type of vehicle, and even your postal code. Some drivers may pay as little as $500 annually, depending on their risk profile and coverage needs.
How much does car insurance cost in Ottawa??
The average annual cost of car insurance in Ottawa is around $1,500. However, premiums vary widely based on factors like your age, driving history, type of vehicle, and even your postal code. Some drivers may pay as little as $500 annually, depending on their risk profile and coverage needs.
How much does car insurance cost in Ottawa??
The average annual cost of car insurance in Ottawa is around $1,500. However, premiums vary widely based on factors like your age, driving history, type of vehicle, and even your postal code. Some drivers may pay as little as $500 annually, depending on their risk profile and coverage needs.
Is car insurance cheaper in Ottawa than in Toronto?
Yes—on average, Ottawa drivers enjoy lower insurance rates than those in Toronto. Toronto’s higher traffic volume, accident frequency, and theft rates contribute to higher premiums, whereas Ottawa’s quieter roads help keep rates more affordable.
Is car insurance cheaper in Ottawa than in Toronto?
Yes—on average, Ottawa drivers enjoy lower insurance rates than those in Toronto. Toronto’s higher traffic volume, accident frequency, and theft rates contribute to higher premiums, whereas Ottawa’s quieter roads help keep rates more affordable.
Is car insurance cheaper in Ottawa than in Toronto?
Yes—on average, Ottawa drivers enjoy lower insurance rates than those in Toronto. Toronto’s higher traffic volume, accident frequency, and theft rates contribute to higher premiums, whereas Ottawa’s quieter roads help keep rates more affordable.
Is car insurance cheaper in Ottawa than in Toronto?
Yes—on average, Ottawa drivers enjoy lower insurance rates than those in Toronto. Toronto’s higher traffic volume, accident frequency, and theft rates contribute to higher premiums, whereas Ottawa’s quieter roads help keep rates more affordable.
How does car insurance work in Ottawa?
Like the rest of Ontario, Ottawa drivers are legally required to carry car insurance. Standard policies include third-party liability (minimum $200,000), accident benefits, and uninsured motorist coverage. Under Ontario’s no-fault system, each driver deals with their own insurer after an accident. Additional coverage can be added as needed.
How does car insurance work in Ottawa?
Like the rest of Ontario, Ottawa drivers are legally required to carry car insurance. Standard policies include third-party liability (minimum $200,000), accident benefits, and uninsured motorist coverage. Under Ontario’s no-fault system, each driver deals with their own insurer after an accident. Additional coverage can be added as needed.
How does car insurance work in Ottawa?
Like the rest of Ontario, Ottawa drivers are legally required to carry car insurance. Standard policies include third-party liability (minimum $200,000), accident benefits, and uninsured motorist coverage. Under Ontario’s no-fault system, each driver deals with their own insurer after an accident. Additional coverage can be added as needed.
How does car insurance work in Ottawa?
Like the rest of Ontario, Ottawa drivers are legally required to carry car insurance. Standard policies include third-party liability (minimum $200,000), accident benefits, and uninsured motorist coverage. Under Ontario’s no-fault system, each driver deals with their own insurer after an accident. Additional coverage can be added as needed.
How do Ottawa car insurance rates compare with the rest of Ontario?
Ottawa is considered one of the more affordable cities for car insurance in Ontario. Compared to larger cities, drivers here often pay up to $1,000 less per year for similar coverage.
How do Ottawa car insurance rates compare with the rest of Ontario?
Ottawa is considered one of the more affordable cities for car insurance in Ontario. Compared to larger cities, drivers here often pay up to $1,000 less per year for similar coverage.
How do Ottawa car insurance rates compare with the rest of Ontario?
Ottawa is considered one of the more affordable cities for car insurance in Ontario. Compared to larger cities, drivers here often pay up to $1,000 less per year for similar coverage.
How do Ottawa car insurance rates compare with the rest of Ontario?
Ottawa is considered one of the more affordable cities for car insurance in Ontario. Compared to larger cities, drivers here often pay up to $1,000 less per year for similar coverage.
Can I get cheap car insurance in Ottawa?
Absolutely. At Rowat Insurance, we compare hundreds of policies to find the best coverage at the best value. We tailor our recommendations to fit your budget and driving profile.
Can I get cheap car insurance in Ottawa?
Absolutely. At Rowat Insurance, we compare hundreds of policies to find the best coverage at the best value. We tailor our recommendations to fit your budget and driving profile.
Can I get cheap car insurance in Ottawa?
Absolutely. At Rowat Insurance, we compare hundreds of policies to find the best coverage at the best value. We tailor our recommendations to fit your budget and driving profile.
Can I get cheap car insurance in Ottawa?
Absolutely. At Rowat Insurance, we compare hundreds of policies to find the best coverage at the best value. We tailor our recommendations to fit your budget and driving profile.
Do car insurance prices change often in Ottawa?
Yes, rates can fluctuate over time, especially at renewal. To keep your premium low, consider installing anti-theft devices, raising your deductible, bundling your home and auto insurance, and reviewing your policy regularly at renewal. These simple steps can lead to meaningful savings, even when rates increase.
Do car insurance prices change often in Ottawa?
Yes, rates can fluctuate over time, especially at renewal. To keep your premium low, consider installing anti-theft devices, raising your deductible, bundling your home and auto insurance, and reviewing your policy regularly at renewal. These simple steps can lead to meaningful savings, even when rates increase.
Do car insurance prices change often in Ottawa?
Yes, rates can fluctuate over time, especially at renewal. To keep your premium low, consider installing anti-theft devices, raising your deductible, bundling your home and auto insurance, and reviewing your policy regularly at renewal. These simple steps can lead to meaningful savings, even when rates increase.
Do car insurance prices change often in Ottawa?
Yes, rates can fluctuate over time, especially at renewal. To keep your premium low, consider installing anti-theft devices, raising your deductible, bundling your home and auto insurance, and reviewing your policy regularly at renewal. These simple steps can lead to meaningful savings, even when rates increase.
What’s the lowest possible car insurance in Ottawa?
There’s no fixed lowest rate, as premiums vary by location, coverage level, and driver profile. That said, experienced drivers with clean records in low-risk areas may see premiums as low as $500 per year.
What’s the lowest possible car insurance in Ottawa?
There’s no fixed lowest rate, as premiums vary by location, coverage level, and driver profile. That said, experienced drivers with clean records in low-risk areas may see premiums as low as $500 per year.
What’s the lowest possible car insurance in Ottawa?
There’s no fixed lowest rate, as premiums vary by location, coverage level, and driver profile. That said, experienced drivers with clean records in low-risk areas may see premiums as low as $500 per year.
What’s the lowest possible car insurance in Ottawa?
There’s no fixed lowest rate, as premiums vary by location, coverage level, and driver profile. That said, experienced drivers with clean records in low-risk areas may see premiums as low as $500 per year.
GET A QUOTE
GET A QUOTE
GET A QUOTE
GET A QUOTE
Reliable auto insurance starts here
Auto insurance starts here
Reliable auto insurance
starts here
Reliable auto insurance
starts here
Let’s find the right coverage for your ride. Get a quick, personalized quote.
Let’s find the right coverage for your ride. Get a quick, personalized quote.
Let’s find the right coverage for your ride. Get a quick, personalized quote.
Let’s find the right coverage for your ride. Get a quick, personalized quote.
Proudly protecting Canadian families, homes, and businesses—Rowat Insurance is here when you need us most. Contact us today!
Ottawa East
Mon-Fri 9:00am-5:00pm
Sat-Sun Closed
Ottawa West
Mon-Fri 9:00am-5:00pm
Sat-Sun Closed
Proudly protecting Canadian families, homes, and businesses—Rowat Insurance is here when you need us most. Contact us today!
Ottawa East
Mon-Fri 9:00am-5:00pm
Sat-Sun Closed
Ottawa West
Mon-Fri 9:00am-5:00pm
Sat-Sun Closed
GET A QUOTE
Reliable auto insurance
starts here
Let’s find the right coverage for your ride. Get a quick, personalized quote.
Proudly protecting Canadian families, homes, and businesses—Rowat Insurance is here when you need us most. Contact us today!
Ottawa East
Mon-Fri 9:00am-5:00pm
Sat-Sun Closed
Ottawa West
Mon-Fri 9:00am-5:00pm
Sat-Sun Closed