Search

London car insurance

Learn more about car insurance in London, Ontario.

Fast facts

Everything you need to know about auto insurance in London

Curious about how your premiums are determined? There are a series of factors which determine the available rates for auto insurance in London, based on both geographical location and personal driving history. Here’s what you can expect…

422,324

people live in London

75%

of residents drive in a car

40 yrs old

is the median age of drivers

$1,745

is the avg annual premium

$145

is the avg monthly premium

Car insurance in Ontario

Coverages

In Ontario, auto insurance is mandatory and all drivers are required to carry a minimum level of coverage. The mandatory coverage includes:

Third Party Liability

Third-Party Liability Coverage

This coverage is mandatory and provides protection if you injure someone or damage their property in a car accident. The minimum required limit is $200,000, but most drivers opt for higher limits.

Accident Benefits Coverage

Accident Benefits Coverage

Also mandatory, this coverage provides benefits for medical expenses, rehabilitation, and income replacement in case you or your passengers are injured in an accident, regardless of fault.

Uninsured automobile - Duliban Insurance

Uninsured Automobile Coverage

This coverage protects you if you're involved in an accident with an uninsured or unidentified (hit-and-run) driver. It ensures you can still receive compensation for injuries and damages.

Direct compensation

Direct Compensation

This coverage is mandatory for damage to your vehicle and covers the cost of repairs or replacement if your car is damaged in an accident for which you are not at fault.

Optional Coverages

In addition to the mandatory coverages, drivers in Ontario have the option to purchase various additional coverages to enhance their auto insurance policy. These optional coverages can provide added protection and peace of mind.

Collision coverage

Collision Coverage

This coverage pays for the repair or replacement of your vehicle if it's damaged in a collision, regardless of fault.

Comprehensive coverage

Comprehensive Coverage

Comprehensive coverage protects your vehicle against non-collision-related damage, such as theft, vandalism, fire, or falling objects.

Accident forgiveness

Accident Forgiveness

With accident forgiveness, your insurance premium won't increase after your first at-fault accident. It helps you maintain your good driver discount.

Collision coverage

Collision Coverage

Covers damage to your vehicle if you’re involved in an accident with an object or are at-fault

Comprehensive coverage

Comprehensive Coverage

Covers damage to your vehicle from incidents such as hail, wind, water theft or vandalism

Accident forgiveness

Accident Forgiveness

Provides one ‘free’ at-fault accident with no rate increase (granted you remain at the same company)

Depreciation coverage

Depreciation Coverage

Protects your vehicle from depreciation when deemed a “total loss”

Depreciation coverage

Depreciation Coverage

This coverage ensures that in case of a total loss of a new vehicle (typically within a specified time frame, e.g., two years), you will receive the full purchase price without factoring in depreciation.

Emergency roadside

Emergency Roadside

This service provides assistance in case of a breakdown, flat tire, dead battery, or other roadside emergencies. It can include services like towing, jump-starts, and fuel delivery.

Rental Car Coverage

Rental Car Coverage

Also known as Loss of Use Coverage, it helps cover the cost of renting a replacement vehicle if your car is in the shop for repairs after an accident.

Emergency roadside

Emergency Roadside

Covers the expenses related to towing a vehicle after an accident

Rental car coverage

Rental Car Coverage

Extends your insurance coverage to a rental vehicle, up to a maximum limit

insurance premiums

City by City Average Auto Insurance Premiums

How does some of Niagara’s cities compare to others in Ontario.
Ontario $1,505
London $1,745
Ajax $2,104
Etobicoke $1,684
Grimsby $1,368
Toronto $1,953
Niagara Falls $1,327
Hamilton $1,664
Brampton $1,976
Mississauga $1,996
Cambridge $1,378
Guelph $1,391
Waterloo $1,351
Burlington $1,374
Milton $1,498
Waterloo car insurance

how to save money

Top 5 Ways to Save Money on Your Insurance Premium

Shop Around for Quotes

Shop Around for Quotes

Don't settle for the first insurance quote you receive. Get quotes from multiple insurance providers and compare them to find the best rate. Prices can vary significantly between companies.

Increase Your Deductible

Increase Your Deductible

By choosing a higher deductible (the amount you pay out of pocket before your insurance coverage kicks in), you can lower your premium. Just be sure you can comfortably cover the deductible if you need to make a claim.

Maintain a Clean Driving Record

Maintain a Clean Driving Record:

Safe driving is one of the most effective ways to keep your insurance costs down. Avoid accidents and traffic violations, as a good driving record can qualify you for discounts.

Bundle Your Policies

Bundle Your Policies

Consider bundling your auto insurance with other insurance policies like home or renters insurance under the same provider. Many insurers offer discounts for bundling multiple policies.

Take Advantage of Discounts

Take Advantage of Discounts

Ask your broker about available discounts with your insurance provider. These can include safe driver discounts, good student discounts (for young drivers with good grades), discounts for safety features in your vehicle, and loyalty discounts for long-term customers.

Our Reviews

What you say matters to us

We are proud to have a 4.8 Google rating with honest reviews from over 600 client experiences.
Kyle Campeau
3 days ago
Deliben insurance made everything so easy. Always available to answer emails and sort out concerns as they arose. Id recommend.
Zoe Lakis
3 days ago
Alex Shortridge was so helpful, kind and quick. She was an absolute pleasure.
Baiana Bekenova
4 days ago
Everything went great! Damian was super professional and timely, he helped and answered any questions I had!
Emma Stanley
4 days ago
I had a great experience here when setting up car insurance on my first car as a student. Damian was extremely helpful through the entire process, ensuring all of our questions were answered. I would definitely recommend this company!
Lyn Cooper
4 days ago
Damian Poznanovic was incredibly helpful, efficient and friendly!
cathy f
5 days ago
I was looking for a new insurance company and contacted Duliban Insurance Brokers and was fortunate to have Lisa Brant get my call. She has been so helpful in getting me new coverage and I appreciate all the effort she has put into helping me. Thank you Lisa and thank you Duliban.
Ian
5 days ago
Great fast reliable service very polite courteous and understanding would deal with her again over and over
Hilary, Thank you for your help with my auto insurance. I appreciate your clear explanations and professionalism. Your guidance made the process easy, and I felt confident with the coverage I chose. I also value how quickly you responded to my questions.
Maryann Mergl
1 week ago
June went above and beyond to help me in finding the best car insurance possible for the right price. She helped me find my past experience as a policy holder and driver. When my home policy comes due I will certainly be seeing what she can do for me in order to switch over.
Robby devries
1 week ago
Damian was easy to work with and he moves fast. Had everything set up in less then 24 hours. No headaches
Jennifer quirk
1 week ago
I really appreciated working with Damien to arrange my home insurance. The process was quick, thorough, and stress-free. Damien was clear, knowledgeable, and efficient, taking the time to explain everything in detail. After experiencing communication issues with my previous broker, it was refreshing to work with someone who made me feel heard, valued, and comfortable throughout the entire process. I highly recommend Damien to anyone looking for excellent service and a smooth insurance experience.
Damian was very responsive and easy to deal with. Very happy with my experience would recommend if your renewal is coming up.
Tyler Woodruff
1 week ago
Damian Poznanovic provided exceptional assistance, demonstrating extensive knowledge and facilitating a clear understanding of the entire process.
Joel
1 week ago
Hilary was fantastic to deal with and offered us great rates/service! Fantastic experience
Richard Elliott
2 weeks ago
Lisa Brant made for a seamless transition of all my insurance business over to Duliban. After 30 years with my previous provider, I expected a painful journey. But instead got the opposite, Lisa made it effortless and pleasant, plus I even saved some money!
Douglas Perras
2 weeks ago
Mallory and the Duliban crew provided excellent service once again.
L Mazz
2 weeks ago
Just moved our home insurance to Duliban and it was an easy transition. Dealt with Hilary Phelps through the whole process. She was very accessible and always returned my emails and phone calls promptly. I would definitely recommend Hilary for your insurance needs.
Krista Fur
2 weeks ago
We were facing a large increase in insurance premiums during time of renewal for our home and auto insurance so we thought we’d shop around. We heard about Damian P at Duliban insurance from a friend and we’re so glad we did! He was able to save us quite a bit of money per month and also educated us about some of our insurance needs for the future! Damian was extremely attentive and professional. We’ll definitely share his name and company with anyone looking for insurance.
deborah
2 weeks ago
I dealt with Hilary Phelps. She is an extremely valuable employee. I found her to be compassionate, caring and easy to talk with. She is highly intelligent and guided us through the whole process and made me feel at ease during my difficult time. I also believe, if possible, she deserves a raise in salary . I do not know what her salary is, but in any event, her assistance was so very much appreciated. Deborah Church
Geeti Malek
2 weeks ago
I had a great experience setting up my auto and tenant policy with Hilary. I highly recommend her and Duliban Insurance!
Ryan Vaisanen
2 weeks ago
Always amazing service. Wouldn’t go to another insurance office. 10/10 recommend
Charles Hunter
2 weeks ago
Very nice and respectful staff excellent service
Hunter G
2 weeks ago
Damian - he’s the guy! When I needed coverage quick, he followed through and got me just what I needed. Thank you Damian and Duliban!
Sylvia G
2 weeks ago
I was referred to Damian Poznanovic by a longtime friend and am very pleased with the service I received. He was professional, knowledgeable, reliable, and extremely responsive throughout the entire process. He was able to secure me more affordable car insurance and took the time to answer all of my questions thoroughly without ever making me feel rushed. From my initial contact to having everything completed the entire process took less than 24 hours. I would highly recommend his services and will be referring him to others. Thanks Damian.
Brandon
2 weeks ago
Very great service, really informative I. An understanding and helpful way. Definitely a person with patience and communication skills. Thank you very much ”Damian Poznanovic” you should be the owner of the company!!!
Get a quote today

Get a quote today

Working with a broker guarantees your access to the best available insurance with the added benefit of personalized support. See for yourself and get a quote now.    

Give us a call

Give Us a Call

1-855-385-4226

Contact Us Contact Us
Duliban Insurance Brokers in Ontario

About Us

History

Locations

Resources

Our Insurers

Blog

Join The Team

Careers

Contact

Auto

Classic Car 

Electric Vehicle

High Risk 

Motocycle

Ride Sharing & Uber

Home

Condo

Airbnb

Cottage

Landlord

Tenant

Business

Small Business

Commercial Auto

Commercial Property

Contractor

Cyber

Liability

Farm

Recreation

RV

ATV & UTV

Slingshot

Snowmobile

Boat

Tractor Protect

Mich Stars

We have a 4.8 rating from over 600 reviews