What's the average cost of car insurance in Ontario?
Auto insurance costs an average of $1,956 per year in Ontario, California. 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 Average | United 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 insurance rates is the car 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 get quotes specific to your unique driving profile.
ONTARIO AUTO INSURANCE RATES BY COMPANY
Check out our guide to learn how to find the best cheap car insurance.
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Car insurance rates by age bracket in Ontario
The best age for car insurance rates as a driver in Ontario is your 60s: drivers in this age group pay an average of $1,736 per year. Rates for Ontario drivers in their 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 group | Average 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.
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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 Status | Average 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.
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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/Violation | Average 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.
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Ontario car insurance rates by credit score
In many cases, a driver's credit level is closely correlated with their auto insurance rates. However, California doesn't allow insurance companies to rate policies based on a driver's credit history.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.