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
CTV News Investigates
CTVNews.ca Top Stories
Prime Minister Justin Trudeau says the federal government is watching 'carefully' how Quebec's Bill 96 is playing out provincially and respects the freedom of members of Parliament to protest it.
With Statistics Canada reporting a 9.7 per cent increase in food costs over the last year, Canadians are being pushed to find ways to pinch pennies at the grocery stores. Here are some ways to save.
Crown prosecutors want Ottawa protest organizer Tamara Lich sent back to jail to await trial, claiming she breached her bail conditions by agreeing to participate in an event next month where she will receive a 'Freedom Award.'
As Johnny Depp's defamation trial against his ex-wife Amber Heard stretches into its fifth week, experts say public reaction to Heard's testimony sends a perilous reminder that despite the 'MeToo' movement, the credibility of alleged victims of abuse can be fragile.
DEVELOPING | 'Somebody out there is missing this child': Remains of young girl found in water in Dunnville, Ont.
Provincial police announced Wednesday the human remains found in the water in Dunnville, Ont., the day before are that of a young girl.
The Conservative Party of Canada is investigating a complaint lodged by Patrick Brown's leadership campaign about a racist email it says it received from a member.
Prince Charles and Camilla, Duchess of Cornwall, lit candles and listened to a prayer service on Wednesday inside a gilded Ukrainian Orthodox cathedral in Ottawa, while congregants and onlookers waved blue-and-yellow flags and Union Jacks outside.
Portuguese authorities said on Wednesday they had identified five cases of rare monkeypox infection and Spain's health services are testing eight potential cases after Britain put Europe on alert for the virus.
Chantel Moore, a 26-year-old Indigenous woman killed by police in New Brunswick in June 2020, was shot twice in the chest, once in the abdomen and once in her left leg, the pathologist who conducted an autopsy on her said Wednesday.
Peppered with questions on Bill 96, Legault said there's been 'disinformation' spreading, in his opinion -- and that on one important question, health care, many critics of the bill are wrong. In fact, the bill is confusing on that point and the details still haven't been fully explained.
Quebec health-care staff got another surprise this week when they learned they can no longer get paid time off for COVID-19 isolation, but need to use up their sick days or vacation days while awaiting a test result.
BREAKING | London police warn the public after man charged with sexual assault released from custody
London police are warning the public Wednesday after a man charged with multiple sexual assault offences was released following a court appearance.
A woman who had her polar bear statue stolen from her front garden last week has managed to get it back in what was a heartfelt reunion on Wednesday.
London, Ont. police are investigating an overnight shooting in the city.
The woman was charged with two counts of assault in November after an investigation into “allegations she taped two children with masking tape while in the classroom,” Waterloo regional police said at the time.
No bedroom, no bathroom, no kitchen. Why one retiree decided to buy -- and live -- in a caboose.
The Royal Canadian Air Force came to the rescue Monday after a hiker needed urgent medical assistance while in Algonquin Provincial Park, located northeast of Huntsville, Ont.
Drivers are set to get some major relief at the pumps with gas prices set to take a huge drop in Ontario.
Friday's DaBaby concert in Greater Sudbury has been cancelled, Greater Sudbury announced Wednesday.
Prince Charles and his wife Camilla had a busy itinerary in Ottawa on Day 2 of their visit to Canada, running behind schedule for much of the day, but patient royal watchers were thrilled to meet them.
Gas prices are set to fall 13 cents a litre over the next two days, giving drivers some relief at the pumps ahead of the Victoria Day long weekend.
Like many on social media, Bianca Havenga uses her Instagram for the occasional selfie and to share personal updates with her close friends — so she didn't suspect anything when one of her co-workers seemingly messaged her, asking for help.
Leamington by-law officers will soon be using drones to get a bird’s eye view of any problems.
The price of everything from food to gas is on the rise, and you can add road construction to that growing list.
Tiny Township is bringing in regulations to deal with the ever-growing popularity of short-term rentals, but not everyone is pleased with the solution.
A Canada-wide warrant has been issued for a federal offender known to frequent areas of Simcoe County.
Officers from across the province are making use of Collingwood's iconic grain terminals to learn potentially lifesaving skills.
A Mountie who led much of the response to the 2020 Nova Scotia mass shooting testified Wednesday that spotty radio service and the lack of an RCMP helicopter were among the equipment problems that hampered the manhunt.
Halifax Regional Police have released the identity of a woman who died after she was stabbed early Tuesday morning.
Authorities say they seized a firearm and arrested a youth in connection with an incident at a northwest Calgary high school.
Calgary police want to speak to the driver of a vehicle who may have given accused killer Talal Amer a ride after a shooting and subsequent car crash that claimed the life of a mother of five.
Alberta's premier was "optimistic for a very good result" as the hours ticked down on his United Conservative Party leadership review, with results due after 4 p.m. on Wednesday.
Manitoba is bracing for more rain as it works to repair multiple bridges that were seriously damaged in flash floods over the weekend.
The Winnipeg Police Service has charged a 69-year-old man with multiple offences following an investigation into child sexual abuse imagery that spanned multiple months.
Even though it is spring, some Manitobans were in for a cool surprise over the weekend as ice piled up on the shore of Lake Winnipeg, creating what looked like giant hills of ice.
A B.C. woman who was convicted of killing her eight-year-old daughter by suffocating her with a plastic bag has lost her bid to have her sentence reduced, according to a decision from the B.C. Court of Appeal.
Metro Vancouver Transit Police officer charged with dangerous driving causing bodily harm in 2020 incident
A Metro Vancouver Transit Police officer has been charged with dangerous driving causing bodily harm, the BC Prosecution Service announced Wednesday.
Mounties in Burnaby are appealing for help identifying two suspects who they say broke into two complexes and cleared out all of the residents' mail.
If you want to watch the Battle of Alberta series with thousands of fans, you have a few options in Edmonton.
Children in Edmonton and beyond will be the winners in the the Battle of Alberta. The team has announced that proceeds from the Mega 50/50 jackpot in Round 2 will benefit the Edmonton Oilers Community Foundation, which supports kids sport charities in the community.