RATESDOTCA Reveals the Most Expensive Ontario Cities for Auto Insurance


Data exposes a $1,678 difference between the least to the most-costly premiums province-wide

TORONTO, Jan. 6, 2021 /CNW/ Р If you live in Brampton, Mississauga, Vaughn, Richmond Hill or Markham, you paid more for auto insurance than your fellow drivers from other parts of the province, according to RATESDOTCA.

In December 2020, the most expensive cities for car insurance in Ontario were:

According to RATESDOTCA’s data, the average¬†Ontario¬†auto insurance premium in¬†December 2020¬†is estimated at¬†$1,616, a 9.7 per cent increase from December 2018.

Cities including Toronto ($2,201), Ajax ($2,141), Pickering ($1,961), Whitby ($1,777), Hamilton ($1,755) and Oshawa ($1,636) are above the provincial average.

The difference between the most and least expensive rates in the province was $1,678 per year.

At $1,103, Kingston, Brockville, Napanee and 10 other cities are among the municipalities with the cheapest premiums.

Most expensive cities for car insurance in Ontario (CNW Group/RATESDOTCA)

Ontario drivers can discover the average cost of auto insurance in their postal code by visiting Insuramap, a unique interactive online map offered by RATESDOTCA.

“Despite insurance companies offering¬†$1 billion¬†in premium relief to¬†Ontario¬†drivers to soften the impact of the COVID-19 pandemic in 2020, the cost of car insurance in the GTA remains the highest in the province,” says¬†Liam Lahey, editor, RATESDOTCA. “The premiums GTA drivers pay can be attributed to many factors such as the number distracted driving fines and car accidents in the region, as well as the escalating costs to repair technologically advanced vehicles.”

Most expensive wards for car insurance in Toronto (CNW Group/RATESDOTCA)

Toronto¬†car insurance rates are “all over the map”
As the sixth most expensive city in Ontario, the average Toronto auto insurance premium was $2,201 in December 2020, up by 12.9 per cent from $1,948 in December 2018. However, drivers who live in the northern areas of the city may have paid more for coverage with premiums in these parts of Toronto ranging from $2,202 to $3,000 per year.

The priciest wards in Toronto for car insurance in December 2020 were:


Postal Code Starting With


Estimated Premium

Scarborough-Rouge Park,
Scarborough Centre,
Scarborough North

M1B, M1J, M1X



Humber River-Black Creek

M3J, M3N, M9L, M9M

North York


Etobicoke North




York Centre


North York


Scarborough Southwest,
Scarborough Centre,
Scarborough North

M1K, M1S, M1T, M1V




M1G, M1H, M1P



Humber River-Black Creek,
York Centre, York-South

M3L, M3M, M6M

North York


York-South Weston,




York-South Weston


North York


Etobicoke North




Toronto by the numbers:

  • The cheapest rates in¬†Toronto¬†in 2020 are estimated to be¬†$1,695¬†in the¬†North York¬†ward of¬†Don Valley West, this is up from¬†$1,533¬†in 2018.
  • The difference between the highest and lowest rates in¬†Toronto¬†was¬†$1,305.
  • Least expensive wards for car insurance in Toronto (CNW Group/RATESDOTCA)

“Car insurance rates vary considerably from one municipality to another and between different insurance companies,” Lahey adds. “The only way to know if the premium you’re paying is the best and right one for the type of coverage you need, is to shop around by comparing policies and quotes online. By taking a few minutes to¬†compare rates¬†and using¬†Insuramap, you may be able to discover a lower premium.”

About Insuramap
Introduced in 2016,¬†RATESDOTCA’s¬†Insuramap¬†is an interactive online map, which lets¬†Ontario¬†drivers see how car insurance rates compare to other parts of their city or province. All estimated premiums are based on a 35-year-old driver of a 2017 Honda Civic DX 4DR with a clean driving record.

RATESDOTCA¬†is¬†Canada’s¬†leading rate comparison website that offers a quick and simple digital experience to compare the widest selection of insurance and money products in the market. Get a better rate on car, home, and travel insurance, mortgage, and credit cards all in one location. RATESDOTCA aims to help Canadians make better insur