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

July 5, 2019

Drivers on a busy highway heading into Toronto with the CN Tower in the background.Every week we’ll highlight the best question sent to our resident insurance expert, Anne Marie Thomas. This week’s question comes from Daniel, who is wondering where Ontario auto insurance rates are lowest.

“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 licenced 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.

Compare car insurance rates today at InsuranceHotline.com.

Ask the Expert. Anne Marie Answers

Ask The Expert

At InsuranceHotline.com, we get tons of questions from our customers on a range of insurance issues. Follow our Ask the Expert series featuring resident insurance expert Anne Marie Thomas as she answers your most frequently asked insurance questions. Do you have a question about your policy, coverage, or anything else? Ask Anne Marie by using the hashtag #AskAnneMarie and posting your question to our Facebook or Twitter page. Or email us at contactus@insurancehotline.com. Your question could be answered in our next #AskAnneMarie video.