Revealed – most expensive city in Ontario for car insurance

New report also reveals whether premiums have climbed or fallen

Revealed – most expensive city in Ontario for car insurance

Motor & Fleet

By Roxanne Libatique

The estimated average auto insurance premium in Ontario hit $1,555 in 2021 (a 3.8% drop from $1,616 in 2020), with Vaughan replacing Brampton as the most expensive city in the province for car insurance, according to auto insurance agency RATESDOTCA’s latest report based on its Auto Insuramap.

The Auto Insuramap is the auto insurance agency’s interactive online map allowing users to search for estimated auto insurance premiums by postal code.

It found that the rates in Brampton plummeted by 27% in 2021, pushing the city down to fourth place at $1,976 among the top 10 most expensive cities in Ontario for car insurance.

Meanwhile, Vaughan, which saw a 6.7% decrease in rates overall, still rose to the top with $2,179 auto insurance premiums. Within the city, the communities with the highest premiums were the L4L district in Woodbridge and L4K in Concord at $2,584 per year.

The top 10 most expensive cities in Ontario for car insurance in 2021 are:

  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

Read more: A car gets stolen in Ontario every 48 minutes – report

By contrast, the cheapest cities for auto insurance premiums in Ontario last year were: Cornwall, Elizabethtown, Amherstview, Gananoque, Martintown, Iroquois, Brockville, and Kingston, where estimated premiums hit $1,132.

Kendal, Napanee, Trenton, Port Hope, Cobourg, Belleville, and Picton took second place among Ontario’s top three cheapest cities for auto insurance premiums by having an estimated rate of $1,175. Meanwhile, Cloyne, Kemptville, and Smiths Falls were in third place at an estimated $1,185.

RATESDOTCA’s data also found that prices went up for drivers in smaller, more rural parts of Ontario – with Toronto drivers and suburban drivers who commute to the city for work having seen significant decreases.

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