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

It's almost half of what other cities pay! đź‘€

There's nothing quite like getting your full license and hitting the road on your own for the first time. But that excitement is quickly dwarfed 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 the bill 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 have the cheapest car insurance rates 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, everyone (except those living in Kendal) saw their rates go up year over 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
But, insurance rates did dip down in 2021. Due to the COVID-19 pandemic, the report said insurance companies gave rebates and financial support, as well as cut coverage costs since drivers weren't commuting to work as much anymore.