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 $3,564 a year. In Kingston it is about $1,653. That gap is $159 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$3,564 insurance a year
• Vaughan$2,705 insurance a year
• Mississauga$2,488 insurance a year
• Richmond Hill$2,432 insurance a year
• Toronto$2,416 insurance a year
• Markham$2,348 insurance a year
• Hamilton$2,229 insurance a year
• Oshawa$2,226 insurance a year
• London$2,152 insurance a year
• Milton$2,138 insurance a year
• Barrie$2,133 insurance a year
• Waterloo$2,104 insurance a year
• Windsor$2,100 insurance a year
• Kitchener$2,059 insurance a year
• Thunder Bay$2,011 insurance a year
• Cambridge$1,967 insurance a year
• Oakville$1,960 insurance a year
• Niagara Falls$1,919 insurance a year
• Brantford$1,901 insurance a year
• Guelph$1,897 insurance a year
• St. Catharines$1,853 insurance a year
• Burlington$1,784 insurance a year
• Ottawa$1,783 insurance a year
• Peterborough$1,739 insurance a year
• Kingston$1,653 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.