Some of them are mandatory, but others depend on what policy you choose, and your individual coverage needs. High variability of rates depending on locationĬar insurance is comprised of components. Some mid-town areas around Eglinton and Caledonia/DufferinĬombination of high and medium to high rates NeighbourhoodĪverage ranges for car insurance rates in Toronto (monthly and annual rates) The following are approximate insurance premium ranges for select neighbourhoods in the GTA. That being said, car insurance rates in Toronto vary among neighbourhoods. Even though government efforts have been made to reduce Ontario insurance rates, premiums remain disproportionately high. As you can see, the differences can be quite considerable.ĭrivers across Ontario, and certainly in Toronto, pay more for auto insurance when compared to every other province. The first chart shows rates across several Canadian provinces while the second chart shows the difference in premiums based on age. These average rates are typical for auto insurance in Ontario, and in Canada.
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