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These 10 Ontario Cities Pay The Most For Car Insurance & Brampton's Not #1 Anymore

Things are looking up for Brampton drivers!

A list of cities with the highest car insurance in Ontario has been released, and Brampton car owners can finally let out a sigh of relief — they're no longer getting hit the hardest.

A recent report from RATESDOTCA laid out how much Ontarians are shelling out on their car insurance bills, and some cities are paying way more than the average premium (which came out to be $1,555 in 2021).

Brampton used to take the cake for having the priciest premiums across Ontario, but according to the report, their rates dropped by just over 25% going from $2,698 to $1,976 within a year.

"High insurance premiums have dogged Brampton for years. To address affordability, the City of Brampton approved a motion last March to lobby the province to end 'postal code discrimination,' referring to the practice of insurance companies pricing premiums based on overall claims frequency in a given geographic," the report reads.

There are three cities that pay more than Brampton's estimated premium.

Vaughan is the number one city in tear-jerking car insurance rates, as the report gauges that they paid $2,179 on average in 2021. That's over $200 more than what Brampton drivers typically shell out.

RATESDOTCA clarified they calculated that total for Vaughan by compiling the premiums for Thornhill, Woodbridge, Concord, Maple, and Kleinburg.

Ajax snagged the second spot with $2,104 while Richmond Hill clinched the third worst spot at an estimate of $2,205.

Notably, however, the rate estimate is modeled after a 35-year-old, 2018 Honda Civic driver with a pristine driving record.

Here are the top ten most costly 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. Orangeville, King City, Nobleton, Schomberg — $1,766