Car insurance rates in Toronto can vary widely depending on a number of factors, including your driving record, age, and the make and model of your car. That being said, some areas in Toronto may have lower car insurance rates than others. Here are a few areas in Toronto that may offer cheaper car insurance rates:

1. Etobicoke: Etobicoke is located in the western part of Toronto and may offer lower car insurance rates than other areas in the city. This is due in part to the fact that there are fewer accidents and claims in this area compared to other parts of the city.
2. North York: North York is located in the northern part of Toronto and may also offer lower car insurance rates. This area has a lower population density and fewer accidents, which can help keep insurance rates lower.
3. Scarborough: Scarborough is located in the eastern part of Toronto and may offer cheaper car insurance rates than other parts of the city. This area has a lower population density and fewer accidents, which can help keep insurance rates lower.
4. York: York is located in the northwestern part of Toronto and may offer cheaper car insurance rates. This area has a lower population density and fewer accidents, which can help keep insurance rates lower.

It’s important to keep in mind that insurance rates are specific to individual circumstances, and while some areas may offer lower rates, your specific location and driving record will play a large role in determining your premiums. Shopping around and comparing rates from multiple insurers can help you find the most affordable coverage for your needs, regardless of where you live in Toronto.

Ontario’s Cities for Cheap Car Insurance

Similar to Toronto, car insurance rates in Ontario can also vary depending on the location. Here are some areas in Ontario where you may find relatively cheap car insurance rates:

1. Guelph: Guelph is a city located in southwestern Ontario. It has a lower population density than other areas of the province and a relatively low rate of car theft and accidents, which can lead to lower insurance rates.
2. Kingston: Kingston is a city located in eastern Ontario. It has a low crime rate and a relatively low rate of car theft and accidents, which can also lead to lower insurance rates.
3. Barrie: Barrie is a city located in central Ontario. It is a growing suburban area and has a lower population density than larger urban centers like Toronto, which can lead to lower insurance rates.
4. Belleville: Belleville is a city located in southeastern Ontario. It is a smaller community and has a relatively low rate of car theft and accidents, which can also lead to lower insurance rates.

It’s important to keep in mind that while these areas may have lower car insurance rates, your individual rate will depend on a variety of factors, including your age, driving history, and the type of vehicle you drive. It’s always a good idea to compare insurance rates from multiple providers to find the best deal.