Ontario Car Insurance

What's the average cost of car insurance in Ontario?


Auto insurance costs an average of $1,956 per year in Ontario. That's more than the average in California ($1,868) and more expensive than the national average of $1,548. Our guide to Ontario auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


CAR INSURANCE RATES IN ONTARIO
Ontario Average (annual)California AverageUnited States Average
$1,956$1,868$1,548

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Ontario car insurance rates by company


One of the most important determinants of your car insurance rates is the insurance company you work with. In Ontario, GEICO provides the most affordable rates for the typical insurance customer. We've listed the best cheap car insurance companies in Ontario below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


ONTARIO AUTO INSURANCE RATES BY COMPANY
CompanyAverage Annual Rate
GEICO$1,424
Mercury$1,495
Infinity$1,653
AAA$1,802
Alliance$1,857

Check out our guide to learn how to find the best cheap car insurance.



Car insurance rates by age bracket in Ontario

The best age for car insurance rates as a driver in Ontario is your age_60s: drivers in this age group pay an average of $1,736per year. Rates for Ontario drivers in their age_50s are also relatively affordable, at just $1,751 per year.

The Ontario drivers who pay the highest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Ontario is to celebrate your 20th birthday. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Ontario is $4,322, the largest such difference between any two age brackets.


ONTARIO CAR INSURANCE RATES BY DRIVER AGE
Age groupAverage Yearly Rate
Teens$7,214
20s$2,892
30s$1,904
40s$1,841
50s$1,751
60s$1,736
70s$2,006

Learn more about the impact of age on car insurance premiums.



Ontario car insurance premiums by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In Ontario, married drivers pay $83 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Ontario, single drivers pay more than those who are widowed.

Gender is another factor that can influence auto insurance rates. In Ontario, female drivers pay more for auto insurance than do male drivers: $2 per year, to be precise.


ONTARIO CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Annual Rate
Female$1,958
Male$1,956
Single$1,873
Married$1,873
Divorced$1,956
Widowed$1,898

Learn more about how gender and marital status have on insurance rates.



Ontario auto insurance rates by driving history


If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Ontario drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $3,392 per year versus the city average. A ticket for speeding results in an $804 rate hike while a DWI or DUI violation costs $3,307per year in extra insurance expenditures.


ONTARIO CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident/ViolationAverage Annual Rate
DUI/DWI$5,262
Reckless Driving$5,348
At-fault Accident (damages < $1,000)$1,962
At-fault Accident (damages greater than $2,000)$3,425
Speeding Ticket (16-20 mph over speed limit)$2,759

Get more info on how a bad driving history can impact your car insurance costs.



Ontario car insurance rates by credit score


An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Ontario drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 0% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Ontario, improving your credit to "Fair" corresponds with a $0 decrease in annual car insurance rates.


ONTARIO CAR INSURANCE PREMIUMS BY CREDIT LEVEL
Credit LevelAverage Yearly Rate
Very Poor$1,956
Fair$1,956
Good$1,956
Very Good$1,956
Exceptional$1,956

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.