Most and least expensive Ontario cities to buy car insurance revealed
Ontario has some of the highest car insurance rates in the country, but for the first time in a long time premiums are actually coming down.
"It's definitely good news," Tanisha Kishan, insurance expert with RatesDotCa, told CTV News Toronto.
With so many people still working from home during the second year of the pandemic and traffic remaining light on many highways, car insurance premiums in Ontario have dropped an average of 3.8 per cent.
"A lot less vehicles on the road equals a lot less claims, which translates into premium decreases for consumers," Kishan said.
According to RatesDotCa, the average Ontario auto insurance premium in 2020 was $1,616. Last year it dropped to $1,555, a 3.8 per cent decrease.
The City of Brampton, which has long held the title as the most expensive city in Ontario to insure a car, saw the largest decline in premiums of 27 per cent.
"I think that Brampton premiums were high for so long they just had the most room to fall," Kishan said.
The city with the most expensive auto insurance in the province is now Vaughan, with an estimated annual premium of $2,179.
It's followed by Ajax, Richmond Hill, Brampton and Mississauga.
Despite being the most expensive, all five cities still saw a reduction in rates.
The Financial Services Regulatory Authority of Ontario (FSRA) has approved more than 100 rate reductions and 42 various rebates during the pandemic.
"We would definitely agree that rates have stabilized and in many cases are quite a bit lower," said Tim Bzowey, Executive Vice President of Auto Insurance Products at FSRA.
While not every driver will see a reduction in rates, it may be advisable to shop around to find a better deal.
"Rates vary a lot from insurer to insurer, so please shop around to make sure you are getting the best rate available to you at the time," said Bzowey.
Not every city saw decreases and one of the largest hikes in the province took place in Oshawa, where insurance premiums jumped 12 per cent.
Among the most inexpensive places to insure a car were in Cobourg, Port Hope, Picton and Kingston where each had an average annual premium of about $1,100.
FSRA said the lower rates won't last forever as it's expected when the pandemic ends and driving habits return to normal premiums will start to creep back up.
Top ten most expensive cities in Ontario for car insurance
- Vaughan $2,179
- Ajax $2,104
- Richmond Hill $2,025
- Brampton $1,976
- Mississauga $1,971
- Pickering $1,959
- Toronto $1,953
- Oshawa $1,833
- Whitby $1,792
- Nobleton, Schomberg, Orangeville, King City $1,766
Cheapest cities in Ontario for car insurance
- Kendal $1,271
- Port Hope $1,175
- Amherstview $1,132
- Brockville $1,132
- Iroquois $1,132
- Martintown $1,132
- Elizabethtown $1,132
- Cornwall $1,132
- Kingston $1,132
- Gananoque $1,132
Toronto Top Stories
CTVNews.ca Top Stories
The police official blamed for not sending officers in more quickly to stop the Uvalde, Texas, school shooting is the chief of the school system's small police force, a unit dedicated ordinarily to building relationships with students and responding to the occasional fight.
Speakers at the National Rifle Association annual meeting assailed a Chicago gun ban that doesn't exist, ignored security upgrades at the Texas school where children were slaughtered and roundly distorted national gun and crime statistics as they pushed back against any tightening of gun laws.
Fifty-eight-year-old Vivian Ketchum is set to receive her high school diploma at a graduation ceremony at the University of Winnipeg next month. It is a moment that is decades in the making.
The World Economic Forum’s annual meeting in Davos was met with justifiable criticisms and unfounded conspiracy theories.
An 11-year-old survivor of the Robb Elementary School massacre in Uvalde, Texas, feared the gunman would come back for her so she smeared herself in her friend's blood and played dead.
Students trapped inside a classroom with a gunman repeatedly called 911 during this week's attack on a Texas elementary school, including one who pleaded, 'Please send the police now,' as officers waited more than an hour to breach the classroom after following the gunman into the building, authorities said Friday.
Fragments of a comet broken nearly 30 years ago could potentially light up the night sky Monday as experts predict an 'all or nothing' spectacle.
A new report says Ottawa, Vancouver and Toronto rank among the top 20 cities around the world when it comes to work-life balance.
Transport Minister Omar Alghabra says the federal government is working with groups on the ground to resolve air travel 'bottlenecks' in time for a busy summer.
Is it unconstitutional to make someone pay to get a legal document translated into French? One of Montreal's top lawyers thinks so, and pointed out two other things from Bill 96 that he thinks the courts would most easily find fault with.
Canada's highest court has ruled that Alexandre Bissonnette, who murdered six people at the Quebec City mosque in 2017, will be eligible for parole after 25 years.
Quebec says it is ready to vaccinate people who have come into close contact with monkeypox as soon as Friday.
Saturday’s powerful storm left a lasting impact across Ontario as city crews continue to deal with the damage. Western University’s Northern Tornado Project reported that two EF-1 tornadoes touched down in London — and on Friday, Environment Canada confirmed it.
A London man is facing impaired-related charges after a vehicle he was driving collided with a gravel truck on Wednesday morning, according to police.
The London Police Service is requesting the public’s help with locating a person of interest after a gun was fired on Richmond Row in the early morning hours of Friday.
A man, who was a referee at high school volleyball games in Guelph for more than 30 years, is facing sex assault-related charges.
The Region of Waterloo says there's a high safety risk at a Kitchener encampment and they are working with residents to prepare them for their eventual move.
Two low-cost airlines are butting heads over an agreement at the Region of Waterloo International Airport. Swoop wants to offer flights but the airport already has an exclusivity deal with rival Flair Airlines
Thursday evening, the Greater Sudbury Chamber of Commerce hosted the 25th annual Bell Business Excellence Awards.
On Friday, there was a walk in Sudbury to remember the remains of 215 residential schoolchildren found in Kamloops, B.C., a year ago May 27.
Staff at the new Sault Metis Centre are getting set for the grand opening Saturday.
As of Friday evening, 26,000 Hydro Ottawa customers remain without power in all neighbourhoods of the city.
Approximately 25,000 people will take part in Tamarack Ottawa Race Weekend on Saturday and Sunday.
Ottawa Bylaw says the "mama and her 4 kittens" were abandoned outside the PetSmart on Innes Road sometime between 6 a.m. and 8 a.m. Friday.
Windsor police are asking for the public’s help identify a driver who fled after a rollover crash.
'Just do Mable things': Father of 18-year-old Pain Court crash victim shares memories of his daughter
It’s been a long and sorrow-filled week for the extended families of Mable Baker, an 18-year-old Chatham-Kent woman who was involved in a fatal car crash last weekend.
A local musician will be back on stage for the 16th annual 24-Hour Drum Marathon.
On the final day of the Paul Sadlon sexual assault trial, the defence called the complainant's allegations "straight out lies" and "not believable at all."
Provincial police are searching for a missing senior who went for a walk with his two dogs on trails behind his home in Springwater Township Thursday afternoon.
An Aurora couple is making plans to buy a house after winning the lottery.
A Cape Breton father is warning the public of the dangers in the area he lives after his teenager son fell nearly 40 feet over a cliff in Glace Bay.
A lawyer for families of victims killed in the Nova Scotia mass shooting says an 18-hour delay in finding five bodies of those murdered is a sign of "deficient" policing.
The lawyer who represented a man who murdered three RCMP officers nearly eight years ago in Moncton, N.B., said a decision made by the Supreme Court of Canada Friday may potentially change his sentence.
A southern Alberta man who killed three people, including a two-year-old girl, could have the ability to request a release from jail earlier than his original sentence intended, thanks to a landmark Supreme Court decision Friday.
Calgary Flames fans are still coming to terms with a playoff series loss to the Edmonton Oilers Thursday night in a game that saw both controversy and heartbreak following a Connor McDavid overtime goal.
Western Canada's premiers want to reform their health-care systems by expanding services but they say Ottawa first needs to pick up the phone.
Pembina Trails School Division is confirming to CTV News that a group of students found a body during community cleanup at Ècole South Pointe School.
Winnipeg police are telling people to find an alternate route this afternoon as they are investigating a fatal crash near the St. Boniface Industrial Park.
'It's one way to be creative': Winnipeg student wants to be a bartender when older; school doesn't like comment in yearbook
Bartender. That is what one Grade 4 student said for the yearbook when asked what he wanted to be when he grows up, an answer the school is asking him to change.
A B.C. mom with a rare, debilitating illness has spent years trying to get the help she needs. Now she's considering medical assistance in dying.
The number of COVID-19 patients in B.C. hospitals hit its lowest point in more than a month this week, and the decline was driven largely by regions outside the Lower Mainland.
Researchers working in partnership with UBC believe an eco-friendly material could help solve the world’s plastic pollution problem.
A hotly-controversial decision on whether or not to freeze base funding for police in Edmonton was delayed Friday as fallout from a dispute between the mayor and the provincial justice minister continued to rattle political circles.
A 19-year-old man is in police custody after a shooting near Rogers Place after an Edmonton Oilers viewing party ended Thursday evening.
A shelter many expected to remain open until the end of June in Wetaskiwin, Alta., will close a month early.