Ontario Car Insurance

The Zebra
May 30, 2018

Car Insurance in Ontario

On average, premiums in Ontario surpass California's average by 8%, so it is crucial to save while insuring a vehicle in Ontario. Why don't we take a look at how to save on car insurance in Ontario?

  • City Average: $1,847
  • State Average: $1,713
  • National Average: $1,427

Ontario Car Insurance by Gender and Marital Status

In Ontario, numerous driver traits, including gender and marital status, can influence car insurance premiums. However, the amount by which men's and women's car insurance premiums deviate is minimal. Rates for those who are widowed are moderately cheaper than rates for those who are single. Being married can save you $80 per year compared to being single.

  • Female: $1,849
  • Male: $1,847
  • Single: $1,847
  • Married: $1,767
  • Divorced: $1,847
  • Widowed: $1,774

Ontario Car Insurance by Accident or Violation History

By avoiding driving mishaps that can make your premiums spike, you can not only save yourself money, but become a safer driver. $3,422 is the additional cost per year for drivers with a DUI or reckless driving offense in Ontario, compared to the city average of $1,847. No one plans on getting into an accident, but stuff happens, so be aware of the effect one can have on your rates. Being at-fault in an accident can cost drivers an extra $1,052 per year to insure your vehicle in Ontario.

  • DUI: $5,269
  • Reckless Driving: $5,269
  • At-fault Accident (damages less than $1000): $2,899
  • At-fault Accident (damages greater than $2000): $2,899
  • Speeding Ticket (16-20 mph over speed limit): $2,510

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Ontario Car Insurance by Age

Among all age groups, drivers in their 60s have the lowest premiums, with rates of $1,578. However, people in their 50s ($1,623) have premiums that aren't much higher. When drivers hit their 20s in Ontario, therefore moving out of the teenage age range, they pay 61% less in premiums, the biggest difference between any age group. The first time drivers can anticipate their age to trigger a rise in rates is when they turn 70. With payments of $6,912 on average, teenage drivers pay the most in car insurance premiums.

  • Teenagers: $6,912
  • 20s: $2,710
  • 30s: $1,812
  • 40s: $1,752
  • 50s: $1,623
  • 60s: $1,578
  • 70s: $1,759

* Credit score is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto insurance each year.