Ontario: Why You Pay $2,258/Year in 2026
Ontario has the highest rates in Canada due to private insurance + high fraud claims. Toronto ZIP codes like M5V pay up to $3,400/year.
3 ways to save in Ontario:
- Bundle home + auto: Save 15% average = $338/year
- Usage-based insurance: CAA MyPace or Aviva Drive saves 25% for low mileage
- Increase deductible to $1,000: Cuts $200/year off premium