There are a lot of variables that go into determining your auto insurance premiums including your driving record, the make and model of your vehicle, and how likely it is to get stolen to name just a few. Another important factor that matters is where you live.'s InsuraMap lets you compare auto insurance rates from across the province to determine the most expensive—and affordable—areas for auto insurance in Ontario.

What does InsuraMap tell us this year? Like last year, if you live and drive anywhere in the GTA, chances are you're paying a lot for your auto insurance coverage. Provincially, the average comes in at about $1,448, yet many cities in the GTA exceed the provincial average; some by a little, but most by a lot.

Top 10 Most Expensive Cities to Insure Your Car in Ontario

Ontario car insurance can be expensive, even more so if you live in:

Rank City Estimated Premium Compared to provincial average
1. Brampton $2,392 65% higher
2. Vaughan $2,018 39% higher
3. Mississauga $1,930 33% higher
4-a Toronto $1,886 30% higher
4-b Markham $1,886 30% higher
6. Richmond Hill $1,783 23% higher
7. Hamilton $1,683 16% higher
8. Pickering $1,593 10% higher
9. Ajax $1,556 7.5% higher
10-a Bradford $1,484 2.5% higher
10-b Stouffville $1,484 2.5% higher

All of these cities have an estimated annual auto insurance rate higher than the provincial average of $1,448 per year, which is based on a single 35-year-old driver with a clean driving record.

How Did Some of the Other Big Cities and Towns in the Province Rank?

While London, at $1,461 exceeds the provincial average, the rest of Ontario's big towns do not. Estimated premiums for Whitby ($1,443), Windsor ($1,375), Barrie ($1,366), Oshawa ($1,354), St. Catharines ($1,317), Kitchener ($1,251), Cambridge ($1,172), Waterloo ($1,165), Ottawa ($1,142) and Guelph ($1,128) all fall below the provincial average. If you're looking to save money, but still want the benefits of living in a big town, these spots might be worth considering if you're looking to move.

Cheapest Car Insurance Rates in Ontario

Wondering where you should live for the least expensive car insurance? Some of the lowest premiums in Ontario can be found in Hawkesbury, Renfrew, Petawawa, Pembroke, Port Elgin, Kincardine, Smith Falls, Perth, Gananoque, Carleton Place and Brockville. The estimated premiums for each of these places come in around $1,000 a year according to InsuraMap information.

Tips to Lower Your Auto Insurance Rates

Just because you live in an expensive city doesn't mean you have to pay expensive rates. The following tips will help you spend less on your auto insurance premiums:

  • Maintain a clean driving record
  • Bundle your auto insurance and home insurance policies to see savings of 5 to 15 per cent.
  • Install winter tires and save up to 5 per cent
  • Increase your deductible and save up to 10 per cent, just make sure you can cover the amount in the event of a claim
  • Pay your premiums annually, in one lump sum, instead of monthly to avoid the extra fee that many companies charge to administer payments each month.

Lastly, it goes without saying that we're keen on comparison shopping, but it is absolutely one of the easiest ways to save. customers, for example, save an average of $750. We shop the market to help you find the lowest rate and get your coverage. Know for certain that you're getting the best deal possible today, and compare car insurance quotes at

Back to top