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Car insurance in London, Ontario
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How London's car insurance compares
London grew 10% between the 2016 and 2021 censuses to about 422,000 people, and its car insurance sits a little below the provincial average. A 2026 comparison put the city's average quote at $2,037 a year against an Ontario average of $2,132, up a modest 2.5%, the smallest increase among Ontario's six largest cities.
London ranked ninth in Ontario for auto theft claims costs in 2025, well behind the GTA, though those costs have still more than tripled since 2017. For most London drivers, record, vehicle and coverage choices will matter more than location.
London car insurance by the numbers
- Average annual quote in London: $2,037, up 2.5% year over year, the smallest rise of Ontario's six largest cities. (MyChoice 2026 market overview, Sept 2026)
- London ranked ninth in Ontario for auto theft claims costs in 2025, at $11.7 million, up 250% since 2017. (IBC costliest cities for auto theft, 2025 claims)
- Across Ontario, the regulator's average annual premium for private passenger vehicles was $2,218 over the 12 months to June 2026, up from $2,006 in October 2024. (FSRA average premium, June 2026)
- Every Ontario policy must include at least $200,000 in third-party liability, plus statutory accident benefits and uninsured automobile coverage. (FSRA standard policy)
- For new policies starting on or after July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory; income replacement, caregiver and housekeeping benefits became optional. (FSRA standard policy)
Before you compare quotes in London
- Since July 1, 2026, income replacement and some other accident benefits are optional on new policies. Ask the broker what dropping them would save and what you'd give up, especially if you rely on your paycheque.
- Ask whether a tracking device or other anti-theft measure changes your price; some insurers treat high-theft models differently.
- Have each driver's licence history, any claims or tickets from the last six years, and your current renewal ready so quotes are accurate.
- Compare the same limits and deductibles across quotes; a lower price with $200,000 liability isn't comparable to one with $2 million.
Local facts last reviewed October 2026. Figures are published averages and public data, not quotes; your premium depends on your own details.
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- There’s no obligation to continue the conversation or purchase coverage.
Simple Insurance is not an insurer or a broker. We connect you with licensed Ontario insurance professionals, who may compensate us for the introduction. Coverage decisions, pricing, and advice happen directly between you and the professional who contacts you.
How it works
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Frequently asked questions
Is this an instant insurance quote?
No. This is a request to be connected with an insurance professional who can help you compare options.
Is there any obligation?
No. Submitting a request does not obligate you to buy insurance.
What information do I need to provide?
Only basic contact information, your region, the type of insurance you are interested in, and your timeline.
Who will contact me?
A relevant insurance professional or partner may contact you based on your request.
Do you guarantee savings?
No. Savings depend on your profile, coverage needs, provider, and market conditions.
Is car insurance in London, Ontario cheaper than the GTA?
Generally, yes. A 2026 comparison put London at $2,037 a year, against $2,348 in Toronto and $3,471 in Brampton for the same driver profile.
Do students in London pay more for car insurance?
Younger and newly licensed drivers usually pay more anywhere in Ontario. Ask a broker about discounts for good grades, driver training, or being listed on a parent's policy.
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