Is Halton Ranked One of Ontario’s Most Expensive Areas for Car Insurance?

Published August 30, 2017 at 6:41 pm

Halton has done it again.

Halton has done it again.

We win awards for just about everything: our fancy downtown condo, being a consistently amazing place to live, (and raise kids). We also top lists when it comes to being a safe place, and we have a slew of awesome restaurants and shops.

And when it comes to car insurance, well, we’ve managed to dodge some of the highest car insurance premiums in all of Ontario (unlike our neighbours to the east and west!), according to the popular online car insurance marketplace’s InsuraMap.

Of all the cities with the most expensive car insurance, Mississauga is number three on the list, sitting just behind Brampton (number one) and Vaughan (number two).

Yes, it’s expensive to own a car in the Greater Toronto Area.

First on the list is Georgetown’s neighbour Brampton, where premiums sit around $2,268. Second on the list of the most expensive cities to insure your car in Ontario is Vaughan at an estimated $1,825, followed by Mississauga at $1,788, and Markham at $1,785.

Peel residents have a more expensive premium than Toronto, where the estimated premium is $1,743 according to (laughable, right?).

Also in’s top ten most expensive cities to insure your car in Ontario as of October 2017 are Richmond Hill ($1,709), Ajax ($1,519), Hamilton ($1,497), Pickering ($1,450), and Whitby ($1,399).

Several factors go into determining car insurance premiums, like “your driving record, insurance history, the make and model of your vehicle, and how likely it is to get stolen,” says

The estimates are based on a 35-year-old driver of a 2014 Honda Civic, which is Canada’s best-selling car if you didn’t know that fun fact, with a clean driving record. So, your insurance rates could be higher or lower depending on your situation.

Most cities in the GTA actually exceed the provincial average of insurance premiums, which is about $1,316.

If our neighbours boast more expensive car insurance, where can you find the lowest premiums in Ontario, you ask?

According to, some of the lowest premiums in Ontario are found in Kingston, Cornwall, Brockville, Trenton, Port Hope, Picton, Napanee, Cobourg, Belleville, Parry Sound, Huntsville, Gravenhurst, and Bracebridge. The estimated premiums for these places ranges from about a mere $850 to $900 a year, according to InsuraMap information.

Here are’s tips on lowering your car insurance rates, regardless of your postal code:

  • Maintain a clean driving record.
  • Bundle your auto insurance and home insurance policies to see savings of five to 15 per cent.
  • Install winter tires and save up to five per cent.
  • Increase your deductibles and save up to 10 per cent; just make sure you can cover the amount in the event of a claim.
  • Pay your premiums annually, in one lump sum, instead of monthly to avoid the extra fee that many companies charge to administer payments each month.

Perhaps you’ll find a way to have lower car insurance rates than your neighbours with those nifty tips!

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