Cost of owning a car in Ontario, by city

Insurance is the reason the same car costs different money in different Ontario cities. The published average in Brampton is about $3,572 a year. In Kingston it is about $1,738. That gap is $153 a month before anyone has turned a key, and it is bigger than a full point of interest rate.

A city appears here only where a published average exists to price it with. Each page runs the same scenario in that city, so the differences between them are the engine’s, not ours.

This page is the index: one city at a time, ranked by what insurance costs there. For the province-level answer, what a car costs to own in Ontario line by line and why the bill lands where it does, read how much it costs to own a car in Ontario.

• Brampton$3,572 insurance a year
• Vaughan$2,705 insurance a year
• Toronto$2,483 insurance a year
• Richmond Hill$2,422 insurance a year
• Mississauga$2,395 insurance a year
• Markham$2,364 insurance a year
• Hamilton$2,133 insurance a year
• London$2,131 insurance a year
• Barrie$2,118 insurance a year
• Oshawa$2,116 insurance a year
• Windsor$2,035 insurance a year
• Thunder Bay$2,032 insurance a year
• Milton$2,003 insurance a year
• Cambridge$1,979 insurance a year
• Oakville$1,970 insurance a year
• Niagara Falls$1,919 insurance a year
• Brantford$1,902 insurance a year
• Ottawa$1,886 insurance a year
• St. Catharines$1,877 insurance a year
• Waterloo$1,853 insurance a year
• Guelph$1,846 insurance a year
• Kitchener$1,810 insurance a year
• Burlington$1,806 insurance a year
• Peterborough$1,739 insurance a year
• Kingston$1,738 insurance a year

Every premium above is a published city average held at low confidence, listed with its source and date on the assumptions page. It is an average, not a quote.