By comparison, the places with the three lowest premiums are towns in central eastern, northwestern, and northern Ontario. Beginning with the most inexpensive, they are: Cloyne Keewatin, Dryden, and Summer Beaver (tied) Kapuskasing Below is InsuranceHotline.com's comprehensive ranking of Ontario...
On top of this, Toronto is a large city and the chance of your car being stolen, or broken into, is higher than in less populated places. Finally, insurance fraud is a real problem in the GTA, with some unscrupulous drivers participating in staged auto collisions or filing fraudulent claims...