Car insurance rates in Ontario are often determined by a variety of factors, including your driving record, age, gender, the type of car you drive, and your location. In particular, your postal code can have a significant impact on your insurance rates, as some areas may be considered higher risk than others.

Insurance companies use a variety of factors to determine insurance rates for specific postal codes, including the frequency of accidents, thefts, and other incidents in the area. In general, urban areas tend to have higher insurance rates than rural areas, as there is a higher risk of accidents and thefts in more densely populated areas.

Here are some examples of how car insurance rates can vary by postal code in Ontario:

1. Toronto: Insurance rates in Toronto can vary significantly depending on the specific postal code. For example, the average annual insurance rate for a 35-year-old male driver in the M4S postal code area is around $1,950, while the rate for the M6M area is around $3,200.
2. Ottawa: Insurance rates in Ottawa can also vary depending on the specific postal code. The average annual insurance rate for a 35-year-old male driver in the K1V postal code area is around $1,700, while the rate for the K2G area is around $2,200.
3. Hamilton: Insurance rates in Hamilton can also vary by postal code. The average annual insurance rate for a 35-year-old male driver in the L8P postal code area is around $2,100, while the rate for the L9B area is around $2,600.
4. London: In the N5Y postal code area of London, the average annual insurance rate for a 35-year-old male driver is around $2,500, while the rate for the N6J area is around $2,800.
5. Windsor: In the N9A postal code area of Windsor, the average annual insurance rate for a 35-year-old male driver is around $2,100, while the rate for the N8T area is around $2,500.
6. Kitchener: In the N2G postal code area of Kitchener, the average annual insurance rate for a 35-year-old male driver is around $2,100, while the rate for the N2N area is around $2,400.
7. Barrie: In the L4M postal code area of Barrie, the average annual insurance rate for a 35-year-old male driver is around $2,500, while the rate for the L4N area is around $2,800.
8. Sudbury: In the P3E postal code area of Sudbury, the average annual insurance rate for a 35-year-old male driver is around $2,000, while the rate for the P3C area is around $2,500.
9. Guelph: In the N1H postal code area of Guelph, the average annual insurance rate for a 35-year-old male driver is around $2,100, while the rate for the N1K area is around $2,400.
10. Oshawa: In the L1G postal code area of Oshawa, the average annual insurance rate for a 35-year-old male driver is around $2,500, while the rate for the L1J area is around $2,900.
11. St. Catharines: In the L2M postal code area of St. Catharines, the average annual insurance rate for a 35-year-old male driver is around $2,500, while the rate for the L2R area is around $2,900.
12. Thunder Bay: In the P7A postal code area of Thunder Bay, the average annual insurance rate for a 35-year-old male driver is around $2,000, while the rate for the P7B area is around $2,500.
13. Waterloo: In the N2J postal code area of Waterloo, the average annual insurance rate for a 35-year-old male driver is around $2,100, while the rate for the N2T area is around $2,400.
14. Brampton: In the L6S postal code area of Brampton, the average annual insurance rate for a 35-year-old male driver is around $3,800, while the rate for the L6R area is around $2,600.
15. Mississauga: In the L5B postal code area of Mississauga, the average annual insurance rate for a 35-year-old male driver is around $2,500, while the rate for the L5L area is around $2,800.
16. Markham: In the L3S postal code area of Markham, the average annual insurance rate for a 35-year-old male driver is around $2,600, while the rate for the L6C area is around $2,900.
17. Richmond Hill: In the L4E postal code area of Richmond Hill, the average annual insurance rate for a 35-year-old male driver is around $2,600, while the rate for the L4S area is around $2,900.
18. Vaughan: In the L4H postal code area of Vaughan, the average annual insurance rate for a 35-year-old male driver is around $2,600, while the rate for the L6A area is around $2,900.

It’s important to keep in mind that these are just a few examples of how car insurance rates can vary by postal code in Ontario. Insurance rates can vary widely depending on a variety of factors, so it’s always a good idea to shop around and compare rates from multiple insurance providers to find the best coverage at the most affordable rate.