The cost of car insurance in Ontario can vary depending on several factors, including the make and model of the car, the age and driving history of the driver, and the specific terms and conditions of the insurance policy. That being said, here are some of the most affordable family cars to insure in Ontario, based on industry data:

1. Honda CR-V: Average insurance cost of around $125 per month or $1,500 per year. MSRP starts at around $30,000.
2. Toyota Camry: Average insurance cost of around $133 per month or $1,600 per year. MSRP starts at around $27,000.
3. Mazda CX-5: Average insurance cost of around $150 per month or $1,800 per year. MSRP starts at around $28,000.
4. Subaru Forester: Average insurance cost of around $125 per month or $1,500 per year. MSRP starts at around $27,000.
5. Hyundai Tucson: Average insurance cost of around $133 per month or $1,600 per year. MSRP starts at around $27,000.
6. Kia Sportage: Average insurance cost of around $125 per month or $1,500 per year. MSRP starts at around $25,000.
7. Nissan Rogue: Average insurance cost of around $133 per month or $1,600 per year. MSRP starts at around $27,000.
8. Honda Civic: Average insurance cost of around $133 per month or $1,600 per year. MSRP starts at around $25,000.
9. Toyota RAV4: Average insurance cost of around $125 per month or $1,500 per year. MSRP starts at around $28,000.
10. Hyundai Elantra: Average insurance cost of around $125 per month or $1,500 per year. MSRP starts at around $20,000.

It’s important to note that these are just estimates based on industry data, and your actual insurance costs may vary depending on your individual circumstances and the terms and conditions of your insurance policy. Be sure to shop around and compare quotes from multiple insurance providers to find the best coverage and rates for your family.

Car Model Factors that Affect Insurance Costs

There are many factors that can affect the cost of car insurance in Ontario, and the make and model of your car is one of the most important. Here are some of the factors related to car model that can affect insurance costs:

1. Age of the Car: Generally, newer cars tend to be more expensive to insure because they are more valuable and have more advanced safety features. On the other hand, older cars tend to be less expensive to insure because they have lower value and may not have the latest safety features.
2. Repair Costs: The cost of repairs for a particular car model can also affect insurance costs. Cars with expensive or rare parts, or that require specialized repairs, can be more expensive to insure.
3. Theft Rates: Some car models are more likely to be stolen than others, and this can affect insurance costs. Cars that are more popular with thieves tend to have higher insurance rates.
4. Safety Features: Cars with advanced safety features, such as anti-lock brakes, airbags, and backup cameras, tend to be less expensive to insure because they are less likely to be involved in accidents.
5. Performance: Sports cars and other high-performance vehicles tend to be more expensive to insure because they are more likely to be involved in accidents and tend to be driven by younger, riskier drivers.
6. Size: The size of a car can also affect insurance costs. Larger cars tend to be more expensive to insure because they can cause more damage in an accident, while smaller cars tend to be less expensive to insure because they are less likely to cause serious damage.

It’s important to note that these factors are just some of the many that can affect the cost of car insurance in Ontario, and the specific factors that affect your insurance costs can vary depending on your individual circumstances and the terms and conditions of your insurance policy.