Cheapest car insurance in Ontario, by city
Start with Kingston, the least-expensive published city average in this set at $1,567 to $1,738 a year, and compare it with Brampton at $3,325 to $3,802. Then use the explorer to see how city and the supported age split change a planning range.
Every figure begins with a published city average across many drivers, never an individual rate. Your record, licence, exact postal code and vehicle can move the final price substantially. Where published sources disagree, CarVerdict keeps the range instead of picking the tidier number.
Interactive insurance estimate
Change two details. Watch the range move.
Start with the strongest evidence we have: a sourced city average and the one age split the data supports. No quote form and no false precision.
Your city and age stay in this page’s address, so a refresh or shared link keeps the same comparison.
Estimated range
Toronto
#21 of 25 by midpoint
$216–$250
per month
$2,597–$3,003 a year
Toronto is about $74 a month above Kingston, the least-expensive estimate in this set for the same age band.
The available evidence supports a meaningful split at age 25. It does not support a made-up discount for each birthday after that.
What this number knows
- Changes it here
- City and the supported under-25 age split
- Not rated yet
- Exact postal code, record, licence, vehicle class, make, model and trim
CarVerdict does not have a licensed quote partner connected yet, so this is an evidence-based planning band, not a live rate or an insurance quote. An insurer or licensed broker must price the exact driver and vehicle.
Now put insurance beside the payment, fuel and upkeep. Your city and age carry over, while income, credit and car stay unanswered.
Add this to my all-in car costMethod, source links and dates are listed on the assumptions page.
| Rank | City | Published average, a year | About a month |
|---|---|---|---|
| 1 | Kingston | $1,567 to $1,738 | $131 to $145 |
| 2 | Ottawa | $1,680 to $1,886 | $140 to $157 |
| 3 | Peterborough | $1,739 | $145 |
| 4 | Burlington | $1,761 to $1,806 | $147 to $151 |
| 5 | Kitchener | $1,810 to $2,307 | $151 to $192 |
| 6 | St. Catharines | $1,829 to $1,877 | $152 to $156 |
| 7 | Guelph | $1,846 to $1,947 | $154 to $162 |
| 8 | Waterloo | $1,853 to $2,355 | $154 to $196 |
| 9 | Hamilton | $1,870 to $2,588 | $156 to $216 |
| 10 | Brantford | $1,899 to $1,902 | $158 to $159 |
| 11 | Niagara Falls | $1,919 | $160 |
| 12 | Oakville | $1,950 to $1,970 | $163 to $164 |
| 13 | Cambridge | $1,954 to $1,979 | $163 to $165 |
| 14 | Thunder Bay | $1,989 to $2,032 | $166 to $169 |
| 15 | Milton | $2,003 to $2,272 | $167 to $189 |
| 16 | Windsor | $2,035 to $2,164 | $170 to $180 |
| 17 | London | $2,037 to $2,267 | $170 to $189 |
| 18 | Oshawa | $2,116 to $2,335 | $176 to $195 |
| 19 | Barrie | $2,118 to $2,148 | $177 to $179 |
| 20 | Mississauga | $2,258 to $2,717 | $188 to $226 |
| 21 | Markham | $2,331 to $2,364 | $194 to $197 |
| 22 | Toronto | $2,348 to $2,483 | $196 to $207 |
| 23 | Richmond Hill | $2,422 to $2,441 | $202 to $203 |
| 24 | Vaughan | $2,705 | $225 |
| 25 | Brampton | $3,325 to $3,802 | $277 to $317 |
Why is the same insurance cheap in one city and not another?
Ontario prices a policy on where the car is kept as much as on who drives it. Claims frequency, repair costs and theft rates in a postal code all feed the premium, which is why two drivers an hour apart with identical records pay differently, and why the spread on this page is worth more than a full point of interest rate on the loan. Each city page runs the same car and driver through our engine in that city, so you can see what the premium does to the whole monthly cost rather than to one line of it.
A city appears here only where a published average exists to price it with. Cheap is the word people search; an average is what this page can honestly publish. For what a car costs to own in each city all-in, start at the city cost index.