Most Costly Place to Insure Your Automobile in Ontario


Vaughan, Ontario has changed Brampton as Ontario’s most costly metropolis for automobile insurance coverage in 2021, in line with a brand new report from charge comparability web site Charges.tka.

With an estimated annual insurance coverage premium of $2,179, Vaughan is now the costliest metropolis in Ontario. Brampton, the previous title holder, is in fourth place, averaging $1,976 per yr, about 27% cheaper year-on-year.

Excessive auto insurance coverage premiums have plagued Brampton for years, with town even going as far as to approve a proposal final March to foyer the province to finish “postal code discrimination”. . It refers back to the apply of insurers pricing premiums primarily based on total claims frequency in a given geographic space, somewhat than particular person driving conduct.

In 2021, charges in Brampton dropped considerably to 26.8% because of low claims exercise associated to the pandemic. And regardless that Vaughn ousted Brampton as town with the best common premium, solely a $200 distinction separates them, notes Tanisha Kishan, an insurance coverage professional at

“Vaughan’s declare frequency may have been barely greater than Brampton for that point interval,” says Kishan, a chartered insurance coverage skilled, with the northwestern suburb taking the highest spot this yr.

In Ontario, the common premium final yr was $1,555, a 3.8% lower from 2020, when the common was $1,616, in line with knowledge from’s AutoInsurmap. The interactive on-line map lets customers seek for estimated auto premiums by postal code. Vaughn combines the premiums of Woodbridge, Thornhill, Harmony, Kleinberg and Maple; The speed estimates are primarily based on the 35-year-old driver of the 2018 Honda Civic, who has a clear driving file.

However, the most cost effective cities for auto insurance coverage premiums have been Cornwall, Elizabethtown, Amherstview, GNOC, Martintown, Iroquois, Brockville and Kingston, the place annual premiums have been estimated at $1,132. However even once they dropped out of the underside of the provincial rankings, these communities nonetheless noticed their charges rising from yr to yr (2.3% for Cornwall and a pair of.6% for all different cities).

Different areas comparable to Napenny, Trenton, Port Hope, Coburg, Belleville and Picton noticed their premiums improve 6.5% year-over-year, estimated at $1,175. The exception to this record is Kendall, which noticed a 7.6% year-on-year lower.

Kishan means that the speed improve could also be associated to the migration of metropolis dwellers to the nation. “Due to distant work, folks tended to maneuver a little bit bit and the variety of automobiles on the highway may have elevated barely,” she says, including that extra knowledge is required for a definitive conclusion. Extra seemingly, drivers in these communities maintained related commutes.

General, costs have come down at most locations within the state. In accordance with RatesDotka, the most important total discount in Ontario auto insurance coverage premiums over the previous 5 years was brought on by various components, however notably:

  • Professionals who use their automobiles much less whereas working from residence
  • Insurance coverage suppliers provide reduction measures via diminished charges and reductions
  • Fewer new drivers behind the wheel because of backlogged testing schedules

Toronto noticed a major discount in drivers, as did suburban drivers who commute to town for work. The common annual premium for Toronto, together with its suburbs, was $1,952 in 2021, down 11.3% from 2020’s premium of $2,200.

The cities of Nobleton, Schomburg, Orangeville and King Metropolis, that are 10. tied forth Ranked within the prime ten most costly cities, a rise of 14.2%.

Listed below are the highest 10 most costly cities in Ontario for automobile insurance coverage in line with charge aggregator:

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