Ask Anne Marie: Which City in Ontario Has the Lowest Auto Insurance Rates?

Every week we’ll highlight the best question sent to our resident insurance expert, Anne Marie Thomas. This week’s question, about Ontario auto insurance, comes from Daniel.

“Which city in Ontario has the lowest auto insurance rates?,” Daniel asks.

This question comes up a lot but there's no easy answer, as Anne Marie explains.

“It depends on your driving profile not just where you live. Your vehicle, your accidents, tickets, years licensed as well as your postal code are all used to create your insurance rate. In general however, Ontario car insurance rates are lower outside of the Greater Toronto Area. Regardless of where you live though, your best bet for lower rates is to shop around, at minimum, every year before renewal as rates change frequently over the course of a year,” she says.

In other words, there are a variety of factors that go into your auto insurance and where you live is just one of them.

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