Car insurance rates can vary significantly between different cities due to a variety of factors. Some of the main factors that can influence car insurance rates in different cities include:

1. Population density: Cities with higher population densities typically have more traffic, leading to a higher likelihood of accidents and vehicle theft. As a result, car insurance rates in densely populated urban areas are generally higher than those in less populated rural areas.
2. Traffic congestion: Cities with heavy traffic congestion often experience a higher frequency of accidents, which can contribute to increased insurance rates.
3. Crime rates: Cities with higher crime rates, particularly in terms of auto theft and vandalism, may have higher car insurance premiums as insurers factor in the increased risk of claims.
4. Accident frequency and severity: Cities with a higher frequency of accidents or more severe accidents can result in higher car insurance rates.
5. Local regulations: Differences in local regulations and requirements can also impact car insurance rates. For example, cities with stricter enforcement of traffic laws might see fewer accidents and subsequently lower insurance rates.
6. Weather and environmental factors: Cities prone to severe weather events, such as floods or storms, may have higher car insurance rates due to the increased risk of weather-related claims.

These factors can cause car insurance rates to vary between cities, even within the same province or state. To find the best car insurance rate for your specific situation, it’s essential to compare quotes from multiple insurance companies, as rates can vary widely between insurers.

General overview of some cities with lower car insurance rates in Ontario and possible reasons for the lower rates:

1. Kingston:
   • Average cost: Approximately $1,200 – $1,400 per year
   • Reasons: Lower population density, less traffic congestion, and a lower rate of accidents and vehicle theft compared to larger urban centers.
2. Ottawa:
   • Average cost: Approximately $1,200 – $1,500 per year
   • Reasons: Despite being the capital city, Ottawa has a relatively lower rate of accidents and vehicle theft compared to other major cities in Ontario, like Toronto.
3. Belleville:
   • Average cost: Approximately $1,200 – $1,400 per year
   • Reasons: Similar to Kingston, Belleville benefits from lower population density and less traffic congestion, resulting in fewer accidents and vehicle thefts.
4. Peterborough:
   • Average cost: Approximately $1,200 – $1,400 per year
   • Reasons: Peterborough’s smaller population, less traffic, and lower crime rates contribute to lower car insurance premiums.
5. Cobourg:
   • Average cost: Approximately $1,200 – $1,400 per year
   • Reasons: This small town has a lower population density and fewer traffic-related incidents, contributing to lower car insurance rates.
6. Brockville:
   • Average cost: Approximately $1,200 – $1,400 per year
   • Reasons: Lower population density, less traffic, and a lower rate of accidents and vehicle theft contribute to lower insurance premiums.
7. Cornwall:
   • Average cost: Approximately $1,200 – $1,400 per year
   • Reasons: Similar to other smaller cities, Cornwall has lower population density, less traffic congestion, and a lower rate of accidents and vehicle theft.
8. North Bay:
   • Average cost: Approximately $1,200 – $1,400 per year
   • Reasons: North Bay’s smaller population, less traffic, and lower crime rates contribute to lower car insurance premiums.
9. Stratford:
   • Average cost: Approximately $1,200 – $1,400 per year
   • Reasons: Stratford has a lower population density and fewer traffic-related incidents, contributing to lower car insurance rates.
10. Sault Ste. Marie:
    • Average cost: Approximately $1,200 – $1,400 per year
    • Reasons: With a smaller population and less traffic, Sault Ste. Marie experiences fewer accidents and vehicle thefts, resulting in lower car insurance premiums.

11. Guelph:

• Average cost: Approximately $1,300 – $1,500 per year
• Reasons: Guelph has a smaller population, less traffic congestion, and a lower rate of accidents and vehicle theft compared to larger urban centers.

12. St. Catharines:

• Average cost: Approximately $1,300 – $1,500 per year
• Reasons: Lower population density, less traffic, and a lower rate of accidents and vehicle theft contribute to lower insurance premiums.

13. Thunder Bay:

• Average cost: Approximately $1,200 – $1,400 per year
• Reasons: Thunder Bay’s smaller population, less traffic, and lower crime rates contribute to lower car insurance premiums.

14. Sudbury:

• Average cost: Approximately $1,200 – $1,400 per year
• Reasons: Lower population density and fewer traffic-related incidents contribute to lower car insurance rates in Sudbury.

15. Kitchener-Waterloo:

• Average cost: Approximately $1,300 – $1,500 per year
• Reasons: While Kitchener-Waterloo is part of a larger urban area, it still experiences lower rates of accidents and vehicle theft compared to cities like Toronto, which can contribute to lower car insurance premiums.

16. Brantford:

• Average cost: Approximately $1,300 – $1,500 per year
• Reasons: Brantford’s smaller population, less traffic congestion, and a lower rate of accidents and vehicle theft contribute to lower insurance premiums.

17. Orillia:

• Average cost: Approximately $1,200 – $1,400 per year
• Reasons: Lower population density, less traffic, and a lower rate of accidents and vehicle theft lead to lower insurance premiums in Orillia.

18. Barrie:

• Average cost: Approximately $1,300 – $1,500 per year
• Reasons: Barrie has a smaller population and less traffic compared to larger urban centers, which can contribute to a lower rate of accidents and vehicle theft.

19. London:

• Average cost: Approximately $1,300 – $1,500 per year
• Reasons: London has a lower population density and less traffic congestion than cities like Toronto, resulting in a lower rate of accidents and vehicle theft.

20. Pembroke:

• Average cost: Approximately $1,200 – $1,400 per year
• Reasons: Pembroke’s smaller population, less traffic, and lower crime rates contribute to lower car insurance premiums.

Please note that these average costs are approximate and may not accurately represent the current rates. Car insurance rates can vary significantly based on an individual’s personal information, driving record, and vehicle.