What a driver pays for insurance can change considerably from one vehicle to another. Using internal MyChoice quote data collected since the beginning of 2026, we identified and ranked the 10 models with the lowest median annual premiums so Ontario shoppers can compare their options.
Top 10 Cheapest Vehicles to Insure in Ontario in 2026
| Car model | Car type | Median annual insurance premium | Median monthly insurance premium |
|---|---|---|---|
| Honda Civic LX-SR Coupé | Coupe | $1,658 | $138 |
| Ford Edge SEL | SUV | $1,727 | $144 |
| Infiniti QX50 Pure | SUV | $1,824 | $152 |
| Lincoln MKZ | Sedan | $1,908 | $159 |
| Dodge Dart SXT | Sedan | $1,988 | $166 |
| Hyundai Santa Fe | SUV | $2,015 | $168 |
| Ford Focus SE | Hatchback | $2,117 | $176 |
| Mazda CX-30 GS | SUV | $2,124 | $177 |
| Mitsubishi Lancer ES | Sedan | $2,143 | $179 |
| Chevrolet Silverado 1500 LT | Truck | $2,182 | $182 |
Source: MyChoice Quote Database, 2026.
Premiums are based on a standard driver profile (see the methodology below for more info).
Our Methodology for Choosing the Cheapest Vehicles to Insure in Ontario
We categorized quotes by vehicle make, model and year. We then calculated the median annual and monthly cost of auto insurance for each vehicle using quotes from a similar driver profile: a married male or female between the ages of 35 and 44 with at least five years of driving experience, a clean driving record and full car insurance coverage, including $1 million in third-party liability and $1,000 deductibles on Comprehensive and Collision coverage.
Finally, we listed them in order from cheapest to most expensive to help you find the most affordable cars to insure in Ontario. Using real quotes gives you a more realistic idea of what you can expect to pay for auto insurance in Ontario.
1. Honda Civic LX-SR Coupé
No model in the current Ontario dataset has a lower median than the Honda Civic LX-SR Coupé. At $1,658 annually, it costs $69 less than the vehicle in second place in our ranking.
Median annual insurance in Ontario: $1,658 per year.
It’s important to note that other trims can have different insurance rates. It’s always a good idea to compare insurance quotes for the exact car you have.
2. Ford Edge SEL
Second place belongs to the Ford Edge SEL at $1,727 per year. The Edge is a midsize two-row crossover that offers more room for passengers and cargo than a compact SUV but doesn’t step into three-row territory.
Median annual insurance in Ontario: $1,727 per year.
The SEL sits between the base and upper trims and combines everyday practicality with additional technology and convenience features.
3. Infiniti QX50 Pure
The median annual auto insurance premium for the Infiniti QX50 Pure in Ontario is $1,824. That’s $521, or about 22%, lower than the median premium for all vehicles.
Median annual insurance in Ontario: $1,824 per year.
Many car shoppers assume that all luxury cars are expensive to insure, but the Infiniti QX50 Pure, a compact luxury crossover, is the cheapest luxury-brand vehicle on our list of 10 budget-friendly cars to insure.
4. Lincoln MKZ
The Lincoln MKZ is priced at $1,908 annually, putting it $80 below the Dodge Dart SXT.
Median annual insurance in Ontario: $1,908 per year.
It’s interesting to see this car having one of the least expensive insurance costs in our dataset, considering that its parts and repair costs can be high. That highlights the fact that repair costs are not the only thing affecting insurance premiums.
It offers a more upscale interior while retaining the size and utility of a typical four-door passenger car.
5. Dodge Dart SXT
The Dodge Dart SXT has a median insurance cost of $1,988 a year in Ontario, $357, or about 15%, less than the median for all vehicles.
Median annual insurance in Ontario: $1,988 per year.
The SXT is an above-base trim of the Dodge Dart compact sedan. Its powertrain, wheels and equipment may differ depending on the model year.
6. Hyundai Santa Fe
The third SUV on our top 10 list is the Hyundai Santa Fe, with a median annual premium of $2,015. The Santa Fe comes in $330, or about 14%, under the median for all vehicles in Ontario. Exact insurance premiums can vary by model year and configuration.
Median annual insurance in Ontario: $2,015 per year.
This family-oriented midsize SUV provides more passenger and cargo room than a compact crossover. Its design makes it suitable for running errands, driving with your family and travelling.
7. Ford Focus SE
The median insurance premium for the Ford Focus SE is $2,117 per year, $228, or about 10%, less than the median for all vehicles in Ontario.
Median annual insurance in Ontario: $2,117 per year.
The Focus is a compact car offered in practical body styles, and the SE is a more mainstream trim. Its small footprint can make it appealing to commuters or anyone looking to keep vehicle purchase and operating costs as low as possible.
8. Mazda CX-30 GS
The median annual premium for a Mazda CX-30 GS is $2,124. That’s $7 higher than the Ford Focus SE and $221 lower than the Ontario benchmark.
Median annual insurance in Ontario: $2,124 per year.
The CX-30 is a small crossover that combines a compact footprint with the higher seating and flexible cargo room found in an SUV. The GS is a mid-level trim, and its range of equipment and engine options changes between model years.
9. Mitsubishi Lancer ES
The Mitsubishi Lancer ES has a median insurance price in Ontario of $2,143. This is $202, or about 9%, lower than the benchmark for all cars.
Median annual insurance in Ontario: $2,143 per year.
The Mitsubishi Lancer is a compact sedan. The ES is one of the more affordable and basic models and is better suited to everyday driving. Higher-performance Mitsubishi Lancers are very different in power, features, insurance claims history and insurance cost.
10. Chevrolet Silverado 1500 LT
The Chevrolet Silverado is available for personal and commercial use. The LT is a mid-level model. Silverado configurations can be vastly different depending on cab and bed styles, drivetrain, engine, model year and intended use.
Median annual insurance in Ontario: $2,182 per year.
In our comparison, the Chevrolet Silverado 1500 LT comes in tenth place, with a median annual premium of $2,182. That’s $163, or around 7%, less than the median in Ontario for all vehicles, making it the cheapest truck to insure in this group.
Cheapest SUVs to Insure in Ontario in 2026
| Car model | Median annual premium | Median monthly premium |
|---|---|---|
| Ford Edge SEL | $1,727 | $144 |
| Infiniti QX50 Pure | $1,824 | $152 |
| Hyundai Santa Fe | $2,015 | $168 |
| Mazda CX-30 GS | $2,124 | $177 |
| Audi Q5 | $2,252 | $188 |
| Nissan Murano SL | $2,292 | $191 |
| GMC Acadia SLE | $2,340 | $195 |
| Nissan Kicks SV | $2,362 | $197 |
| Volkswagen Tiguan Comfortline | $2,366 | $197 |
| Mitsubishi Eclipse Cross SE | $2,399 | $200 |
Source: MyChoice Quote Database, 2026.
Cheapest Small Cars to Insure in Ontario in 2026
| Car model | Median annual premium | Median monthly premium |
|---|---|---|
| Honda Civic LX-SR Coupé | $1,658 | $138 |
| Dodge Dart SXT | $1,988 | $166 |
| Ford Focus SE | $2,117 | $176 |
| Mitsubishi Lancer ES | $2,143 | $179 |
| MINI Cooper 5-Door | $2,202 | $184 |
| Fiat 500e | $2,317 | $193 |
| Kia Rio5 LX | $2,382 | $199 |
| Toyota Corolla LE Hybrid | $2,461 | $205 |
| Honda Fit LX | $2,569 | $214 |
| Chevrolet Cruze | $2,762 | $230 |
Source: MyChoice Quote Database, 2026.
Cheapest Electric Cars to Insure in Ontario in 2026
| Car model | Median annual premium | Median monthly premium |
|---|---|---|
| Tesla Model X 75D | $2,180 | $182 |
| Tesla Model 3 Standard Range Plus | $2,186 | $182 |
| Ford Mustang Mach-E Select AWD | $2,281 | $190 |
| Fiat 500e | $2,317 | $193 |
| Tesla Model Y Long Range | $2,456 | $205 |
| BMW i4 | $2,459 | $205 |
| Audi Q8 e-tron | $2,552 | $213 |
| Tesla Model S 90D | $2,950 | $246 |
Source: MyChoice Quote Database, 2026.
Cheapest Trucks to Insure in Ontario in 2026
| Car model | Median annual premium | Median monthly premium |
|---|---|---|
| Chevrolet Silverado 1500 LT Crew Cab 4WD | $1,882 | $157 |
| Ford Ranger | $1,974 | $165 |
| GMC Canyon | $2,017 | $168 |
| Ram 1500 | $2,026 | $169 |
| Honda Ridgeline | $2,210 | $184 |
| GMC Sierra 1500 Elevation | $2,357 | $196 |
| Ford F-150 XL | $2,364 | $197 |
| Ford F-150 Lariat SuperCrew | $2,498 | $208 |
Source: MyChoice Quote Database, 2026.
What Factors Determine How Cheap It Is to Insure Your Car?
Some costs are beyond your control, but some are not. Planning ahead can save you money on your total cost of insurance. Car insurance in Ontario depends on several factors. Insurers may consider the following when determining your rate: