Ontario Cities With The Cheapest Car Insurance Have Been Revealed & These 8 Top The List

It's almost half of what other cities pay! 👀

Toronto Associate Editor

There's nothing quite like getting your full licence and hitting the road on your own for the first time. But that excitement is quickly overshadowed by the costs that come along with it — and let's face it, Ontario car insurance can be pretty pricey.

However, while rates typically run high in areas around the GTA, some cities across the province pay way less than others.

A new report from RATESDOTCA breaks down what Ontarians are paying for their car insurance, and some spots cost almost half of what others are paying.

On average, Ontarians paid $1,555 in 2021, which actually dropped down by $61 from the year before in 2020.

Kingston, Cornwall, Elizabethtown, Amherstview, Gananoque, Martintown, Iroquois and Brockville are tied for the cheapest car insurance rate in all of Ontario. Drivers here shelled out roughly $1,132 in 2021 for their car insurance fees, which is $423 less than the average rate.

Car owners in Port Hope, Belleville, Cobourg, Trenton, Kendal, Napanee and Picton cough up about $1,175 each year, while those in Cloyne, Kemptville and Smiths Falls pay roughly $1,185.

Even though these areas pay the least, all of them except for Belleville, Trenton and Kendal saw their rates go up from last year.

So, who is getting slammed with the highest fees?

Here are the priciest cities for car insurance in Ontario:

  1. Vaughan — $2,179
  2. Ajax — $2,104
  3. Richmond Hill — $2,025
  4. Brampton — $1,976
  5. Mississauga — $1,971
  6. Pickering — $1,959
  7. Toronto — $1,953
  8. Oshawa — $1,833
  9. Whitby — $1,792
  10. Nobleton, Schomberg, Orangeville, King City — $1,766
RATESDOTCA notes that these estimates are not averages, but rather "are based on a 35-year-old male who drives a 2018 Honda Civic four-door with a clean driving record."
But insurance rates did dip down on average in 2021. Due to the COVID-19 pandemic, the report said insurance companies gave rebates and financial support, and drivers also cut down on their coverage since they weren't commuting to work as much anymore.

This article's cover image was used for illustrative purposes only.

  • Toronto Associate EditorAlex Arsenych (she/her) was a Calgary-based Associate Editor at Narcity Canada, covering everything from what's trending across the country to what's happening near you. On top of her Bachelor of Journalism, Alex graduated with a history degree from the University of Toronto. She's passionate about past and present events and how they shape our world. Alex has been published at Now Magazine, Much, MTV, and MTV Canada.

Here's how much it actually costs to live in Toronto vs. 9 other spots in Ontario

You could save over $11K a year by moving an hour and a half away. 👀

Liberals plan to suspend fuel excise tax

Liberals plan to suspend federal fuel excise tax until Labour Day

Ontario's safest cities for driving were revealed and you might not expect the top locations

It's based on accidents and infractions like distracted driving and speeding. 🚗

Canada's gas prices are surging amid the Iran war and Carney says relief could be coming

The PM says his government is looking at ways to "cushion the blow" of rising costs for Canadians.

Canada Post ending most door-to-door mail

Canada Post beginning work to end most door-to-door mail delivery

Conservative MPs back Poilievre as leader

Conservative MPs back Poilievre after he says he'll lead party into next election

Drug overdose leading cause of maternal death: VCH

Nearly half of VCH maternal deaths within a year of birth caused by overdose: report

U.S. leads interest in citizenship by descent

U.S. leads spike in applications for Canadian citizenship by descent