Average Auto Insurance Rates by Cities in Ontario
This table outlines the latest 2025 average auto insurance rates for major Ontario cities, based on MyChoice’s real-time quote data. Click on any city to explore a detailed breakdown of local rates and factors that influence pricing.
| City | Average Annual Car Insurance Premium |
|---|---|
| Ontario Average: | $1,874 |
| Brampton | $3,341 |
| Scarborough | $2,881 |
| Vaughan | $2,451 |
| Richmond Hill | $2,309 |
| Mississauga | $2,258 |
| Etobicoke | $2,255 |
| Toronto | $2,231 |
| Innisfil | $2,216 |
| Markham | $2,163 |
| Newmarket | $2,066 |
| Aurora | $2,023 |
| London | $1,987 |
| Oshawa | $1,974 |
| Thunder Bay | $1,926 |
| Barrie | $1,915 |
| Chatham | $1,913 |
| Cambridge | $1,894 |
| Windsor | $1,891 |
| Bradford | $1,871 |
| Orangeville | $1,849 |
| Milton | $1,824 |
| Oakville | $1,809 |
| Collingwood | $1,778 |
| Brantford | $1,769 |
| Niagara Falls | $1,767 |
| Kitchener | $1,748 |
| Sault Ste Marie | $1,747 |
| St Catharines | $1,741 |
| Waterloo | $1,737 |
| Hamilton | $1,735 |
| Guelph | $1,729 |
| Burlington | $1,704 |
| Sudbury | $1,698 |
| North Bay | $1,672 |
| Orillia | $1,672 |
| Welland | $1,660 |
| Belleville | $1,652 |
| Midland | $1,628 |
| Huntsville | $1,624 |
| Timmins | $1,607 |
| Stratford | $1,604 |
| Sarnia | $1,603 |
| Peterborough | $1,584 |
| Kingston | $1,581 |
| Ottawa | $1,560 |
| Brockville | $1,529 |
| Cornwall | $1,381 |