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Average car insurance rates in Toronto

You can be sure that when it comes to the average auto insurance rate in the Toronto area it’s going to be considerably greater than Ontario’s as a whole. As outlined above, this is purely due to the greater number of factors at play within the GTA in comparison to other areas, simply put, lots of people with lots of cars equals a greater potential for incident.

A recent study from has highlighted the average auto insurance rate from Toronto to be $2,017, which is, quite higher than the Ontario average of $1,458 for each driver. If we dive a little deeper and look at some more specific regions within the Toronto area, we have the following neighborhoods to compare.

Neighborhood Average Rate
Downsview, North York $2,422
Albion, Etobicoke $2,418
Upper Rough Scarborough $2,373

Source: Kanetix Study

About Car Insurance in Toronto

T.O, The Big Six or just Toronto, is the largest city in Canada and the 4th largest in North America. Boasting a diversity like no other, the Greater Toronto Area (GTA) comprises of over 140 unique, vibrant neighborhoods, Little Italy, The Annex and Greek Town to just name a few. The GTA extends far and wide, incorporating many public spaces, museums, shopping complexes and much more. If you’re looking for car insurance in Toronto you’ve come to the right place. Within this melting pot of cultures and lifestyles comes an abundance of people which make the city very densely populated, especially on the roads. You’d find it hard to have an easy day of driving in the city especially if you’re anywhere near King St or the equally as busy Bloor St.

Along with the abundance of cars on the road in and around the GTA there is no shortage of pedestrians and cyclists too. Having these extra factors certainly plays a role in determining what insurance rates are given for Toronto drivers. This is more than enough to deal with for any competent driver and with these additions things can often become congested and dangerous, fast.
Toronto has one of the highest car insurance rates in Canada, thanks to traffic and its accidents, however, if you are hunting for cheap car insurance, you’ve come to the right place - compare different rates with us today!

*Actual Quoting Data. Based On A Clean Driving Record.

Driving in Toronto What You Need to Know

Armed with the best car insurance and these Toronto driving tips, you’ll be sure to keep your no claims bonus.

  1. Stay calm, focused and alert. Driving in Toronto can be stressful with lots of traffic, pedestrians and cyclists to contend with so take care when driving.
  2. When on a road with streetcars, try to avoid driving directly on their steel tracks, especially in the rain as these can become slippery and dangerous.
  3. Parking can be very troublesome, even more so in the downtown core. There is minimal free spots and on a weekend these spots become ever more hard to get.
  4. If you are driving east or west in the downtown core, take Richmond St (one-way West) or Adelaide St (one-way East). This will be quicker and easier than having to battle on King or Queen St which have streetcars and parking to contend with.
  5. The CAA recently identified that Toronto has 5 of the worst bottlenecks for traffic in Canada, notable ones are, Highway 401 between Highway 427 and Yonge Street, Don Valley Parkway between Don Mills Road and Finch Avenue and finally, Gardiner Expressway between the South Kingsway and Bay Street.

Dangerous Intersections in Toronto

Here at My Choice we like to look out for our customers and their insurance needs whatever way we can, as a result we’ve put together the following list.

After seeing some of the collision numbers for drivers in Toronto it would be wise to pinpoint some of the more dangerous spots throughout the city. Roughly around 60-65% of all collisions in Ontario will happen at an intersection and the majority of insurance claims are because of collision incidents.

According to a recent report, undertaken between 2009 – 2013, the following intersections were seen to have the highest vehicle collision rate:

  • Lake Shore Blvd/Lower Jarvis St
  • Lake Shore Blvd/Don Roadway
  • Ellesmere Rd/Bellamy Rd
  • Lawrence Ave East/Midland Ave
  • St. Clair Ave West/Old Weston Rd

Source: Transport Safety Report

% Of Collisions by Road User, 2011 – 2015

As with traffic accidents in any city, they can usually be grouped into a category type and this is no different for Toronto. They are as follows: Motorcycles, Cyclists, Motor-Vehicle Only, and Pedestrians.

You may be interested to see that of these 4 groups, the highest percentage of collisions from 2011 – 2015 were actually pedestrians. This alone is quite the surprise, given the number of vehicles on the roads in comparison to foot traffic it highlights the gap even more.

Source: Toronto Road Safety Report 2016

Collision Statistics in Toronto

If you’ve been driving around Toronto or the GTA and you’ve not seen an accident or heard police sirens then quite frankly, that’s impossible. Toronto sure does have its fair share of collisions all over the city which occur any time, on any day.

Each year a road safety report is published, in order for the public to become acquainted with the statistics. Having some knowledge of collision hotspots or just general trends for the area will help your decision making when it comes to the best auto insurance for Toronto. Some notable collision statistics are:

  • Total number of collisions in 2015 – 60,500
  • Total number fatal and seriously injured collisions in 2015 – 348. Of the 348, 65 collisions were fatal.
  • Total number fatal and seriously injured pedestrians in 2015 – 147. Of the 147, 39 pedestrians were killed.

These are just some of the main reasons why car insurance rates in Ontario are only going to keep going up, rather than come back down and regrettably there isn’t much you can do about it.

Source: Toronto Road Safety Report 2016

Traffic Fatalities in Toronto, 2007 – 2015

Source: Toronto Road Safety Report 2016

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