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How much does car insurance cost in North York in 2026?
In 2026, the average car insurance premium in North York is $3,348 per year (about $279 per month). Premiums in North York are 26.2% higher than the provincial average of $2,653. This makes North York 179th out of 181 Ontario communities for car insurance affordability.
How Rates.ca finds the average car insurance premium
Rates.ca’s Auto Insuramap is an interactive map that shows how car insurance rates compare across Ontario’s forward sortation areas (FSA).
The estimated premiums for each FSA are based on the average of the three lowest premiums quoted. These quotes were acquired from Rates.ca using a specific driver profile: a 40-year-old male driver with 16 years of continuous insurance history, driving a four-door Honda Civic that is approximately five years old at the time of quoting.
Very young men tend to pay more for car insurance than young women. We made our driver persona 40-years-old because the differences in premiums for men and women tend to resolve by then. We also made it male to avoid understating the premiums.
From there, we matched the FSAs to their corresponding city, town, or community, along with the number of quotes we received from real Rates.ca users in that area. The average premium for each municipality was weighted based on the number of quotes.
The estimated premium for all of Ontario was calculated by averaging the municipal averages.
Key numbers: North York car insurance
- Drivers in North York pay an average of $279 per month and $3,348 per year for car insurance.
- North York is 179th out of 181 Ontario communities for car insurance affordability.
- Rates vary by postal code within North York. Premiums are lowest in M4N at $2,807 and highest in M9M at $4,026.
- After years of increases, premiums are stabilizing — now is a good time to shop around and compare quotes.
As of March 2026
Changes coming to Ontario car insurance in 2026
Car insurance prices in Ontario will continue rising in 2026, but not as sharply as they did in 2023. Still, many drivers may notice higher premiums when their policies renew this year.
- Factors like increasing healthcare costs, cars being more high-tech, and auto theft are leading to higher insurance claims payouts. Insurance companies have raised premiums to cover these costs.
- On July 1, new rules will also change how accident benefits work in Ontario. Some benefits that used to be included automatically will now become optional.
- If you get a new policy after July 1, many accident benefits will not be included unless you ask for them.
- Choosing to do away with the newly optional accident benefits may save up to 5%, but you could lose access to tens of thousands of dollars in critical benefits.
- With the cost of everything rising, it can be tempting to cut down on coverage. Comparing car insurance quotes can help you save without giving up protection.
North York auto insurance rates compared to the GTA
According to Rates.ca data, drivers in North York pay about $3,348 per year for auto insurance as of March 2026.
Drivers here pay premiums that are higher than in Burlington, which is the cheapest city for car insurance in the GTA at $2,109 per year.
However, insurance costs in North York are lower relative to the premiums in Brampton, the most expensive city in the region at $3,802 per year.
Compared to the GTA’s overall average premium ($3,072), car insurance rates in North York are 8.99% higher.
Car insurance premiums depend on many factors, such as the number of claims in an area, the amount of time drivers spend on the road, and each driver’s personal and insurance history.
North York vs. the GTA: average car insurance rates (2026)
| Rank | City | Annual premium | Difference vs. North York (%) |
|---|---|---|---|
| 1 | Burlington | $2,109 | -37.01% |
| 2 | Oakville | $2,167 | -35.27% |
| 3 | Uxbridge | $2,175 | -35.04% |
| 4 | Port Perry | $2,193 | -34.50% |
| 5 | Whitchurch-Stouffville | $2,203 | -34.20% |
| 6 | Newcastle | $2,235 | -33.24% |
| 7 | Sunderland | $2,260 | -32.50% |
| 8 | Orono | $2,269 | -32.23% |
| 9 | Newmarket | $2,275 | -32.05% |
| 10 | Halton Hills | $2,317 | -30.79% |
| 11 | Georgina | $2,380 | -28.91% |
| 12 | Milton | $2,384 | -28.79% |
| 13 | Aurora | $2,397 | -28.41% |
| 14 | East Gwillimbury | $2,399 | -28.35% |
| 15 | Bowmanville | $2,407 | -28.11% |
| 16 | Courtice | $2,435 | -27.27% |
| 17 | Whitby | $2,483 | -25.84% |
| 18 | Richmond Hill | $2,491 | -25.60% |
| 19 | Oshawa | $2,559 | -23.57% |
| 20 | Pickering | $2,650 | -20.85% |
| 21 | Ajax | $2,692 | -19.59% |
| 22 | Caledon | $2,794 | -16.55% |
| 23 | Downtown Toronto | $2,888 | -13.74% |
| 24 | King City | $2,894 | -13.56% |
| 25 | Markham | $2,900 | -13.38% |
| 26 | Mississauga | $3,078 | -8.06% |
| 27 | Scarborough | $3,180 | -5.02% |
| 28 | East York | $3,207 | -4.21% |
| 29 | Vaughan | $3,259 | -2.66% |
| 30 | Etobicoke | $3,277 | -2.12% |
| 31 | North York | $3,348 | 0.00% |
| 32 | Brampton | $3,802 | 13.56% |
GTA average premium: $3,072
Updated March 2026
North York car insurance rates by postal code
The lowest average premium in North York is found in the M4N area, where drivers pay $2,807 annually. Meanwhile, drivers in M9M have the highest average premiums at $4,026 per year.
Car insurance rates in North York vary by postal code. Differences in neighbourhood characteristics — such as claims frequency, collision rates, theft patterns, and traffic density — influence what drivers in any given area pay, since insurers use these factors to predict how likely customers will be to file a claim.
North York car insurance: average premiums by postal code (2026)
| Rank | Postal code | Annual premium | Monthly premium |
|---|---|---|---|
| 1 | M4N | $2,807 | $234 |
| 2 | M2J | $2,860 | $238 |
| 3 | M3B | $2,926 | $244 |
| 4 | M2H | $2,937 | $245 |
| 5 | M2L | $2,969 | $247 |
| 6 | M2P | $2,996 | $250 |
| 7 | M2M | $3,021 | $252 |
| 8 | M2N | $3,052 | $254 |
| 9 | M3C | $3,113 | $259 |
| 10 | M3A | $3,134 | $261 |
| 11 | M2K | $3,142 | $262 |
| 12 | M4A | $3,223 | $269 |
| 13 | M6M | $3,241 | $270 |
| 14 | M2R | $3,264 | $272 |
| 15 | M3H | $3,326 | $277 |
| 16 | M6A | $3,393 | $283 |
| 17 | M3K | $3,649 | $304 |
| 18 | M9L | $3,716 | $310 |
| 19 | M3J | $3,731 | $311 |
| 20 | M3M | $3,799 | $317 |
| 21 | M3N | $3,803 | $317 |
| 22 | M3L | $3,921 | $327 |
| 23 | M9M | $4,026 | $335 |
Why we don't show complete postal codes
The first three characters of your postal code signfy the forward sortation area (FSA). An FSA covers a specific geographic region used to sort and deliver mail. Each FSA contains multiple postal codes.
Auto insurers also use FSAs to understand risk in an area. For example, if an FSA has more accidents or vehicle thefts than average, insurers may see that area as higher risk. This can lead to higher insurance premiums for people who live there.
We look at premiums at the FSA level because it shows clearer, more reliable pricing patterns. Since each FSA contains many postal codes, using the whole FSA helps smooth out small differences between individual addresses and gives a more accurate view of trends in your area.
Recent auto insurance quotes in North York
Recent auto Insurance Quote from North york, Ontario
Male, 49 years old
2025 BUICK ENVISTA ST 4DR 2WD
June 21, 2026
Cheapest Quote
$ 124 / month
$ 1,485 / yearAverage Quote
$ 304 / month
$ 3,648 / yearSavings
$ 180 / month
$ 2,163 / year
59 %
Recent auto Insurance Quote from North york, Ontario
Male, 34 years old
2022 BMW X3 30I 4DR AWD
June 21, 2026
Cheapest Quote
$ 589 / month
$ 7,069 / yearAverage Quote
$ 1,044 / month
$ 12,525 / yearSavings
$ 455 / month
$ 5,456 / year
44 %
Recent auto Insurance Quote from North york, Ontario
Male, 62 years old
2015 INFINITI QX70 3.7 4DR AWD
June 21, 2026
Cheapest Quote
$ 121 / month
$ 1,450 / yearAverage Quote
$ 198 / month
$ 2,374 / yearSavings
$ 77 / month
$ 924 / year
39 %
The best car insurance companies of 2026
Drivers should always compare multiple quotes to find the best policy for their needs, and that doesn’t always mean the lowest-priced premium. Instead, a great rate should provide value and quality, with attentive customer service, an easy claims process, and personalized policy offerings.
The Rates.ca Annual Best Auto Insurance Study surveyed 14,676 auto insurance customers in Ontario about their experiences with Canada’s top auto insurance providers. These customers are from five major insurance brokerages that collectively serve more than 220,000 personal line customers.
Customers were asked about their satisfaction levels across multiple categories, from claims processing to ease of communication, as well as coverage options and overall trustworthiness.
Here are the top-ranking auto insurance companies in 2026.
Rates.ca Annual Best Auto Insurance Study 2026
CAA Insurance Company
About the winner
CAA Insurance Company ranks as the top insurer for the third year in a row, also placing first in: Most Trustworthy, Best Product & Value, and Best Communication & Clarity.
Customers praise its low rates and strong claims service. Many use its recommended repair shops.
Its products address real needs, like MyPace, which rewards low-mileage drivers skeptical of traditional usage-based insurance.
Key takeaways
- CAA Insurance leads the market with strong customer satisfaction.
- Competitive rates are the top reason customers choose it.
- The company scores highly for product value, meeting customer needs, and policy innovation.
- It also excels in communication clarity, with nearly all respondents satisfied with their policy documents and over half reporting they are very satisfied.
Intact Insurance
About the winner
Intact Insurance achieved outstanding scores for its claims process. Customers find Intact reps easy to reach, knowledgeable, and proactive. The vast majority report quick claims resolutions.
Over half of customers bypassed their broker and went straight to Intact, underscoring its reputation for hassle-free service.
Of all insurers, Intact Insurance customers are also the most likely to use the company’s app for updates.
Key takeaways
- Intact Insurance is a trustworthy brand, according to the majority of customers surveyed.
- Top-ranked for ease of its claims process; customers say it’s clearly outlined and that reps are helpful.
- Quick claims handling drives satisfaction, with nearly two-thirds of those very satisfied.
- Intact Insurance customers are more likely to reach out directly than calling their broker.
Northbridge Insurance
About the winner
Northbridge Insurance promises quick support: calls are answered within 20 seconds, and an adjuster follows up within three hours.
This speed and efficiency helped drivers rank it among Canada’s best car insurers.
It earns strong marks for claims experience, and customers say it delivers solid value for the premiums they pay without compromising service.
Key takeaways
- Northbridge Insurance is a trustworthy brand according to survey respondents.
- Earned top marks for claims experience across virtually all aspects of the claims process
- Ease of claims handling and expert representatives are key strengths for Northbridge Insurance.
- High ratings for product offerings and overall value.
How we got our ranking
To properly evaluate how great an insurance company is, you have to look way beyond online reviews. In collaboration with Pollara Strategic Insights, we surveyed 14,676 drivers in Ontario about their interactions with their insurers and specific experiences when filing claims to capture new trends and evolving expectations.
According to our methodology, we also asked them to rate their satisfaction with their insurance companies across a few critical areas, including: brand trustworthiness, claims experience, communication, products and billing.
This year, we also expanded the field and allowed insurers to rank for the following titles:
- Best Overall
- Most Trustworthy
- Best Auto Claim Experience
- Best Product & Value
- Best Communication & Clarity
To find the best overall scores, we took the scores for each survey category and weighted averages based on customer demographics, brokerage and insurance carrier.
Mandatory and optional auto insurance in North York
| Protection type & status | Coverage details & risks |
|---|---|
| Third-party liability [MANDATORY] | $200,000 minimum in coverage is required. Provides coverage in the event of a lawsuit resulting from an accident where you are at fault. Ontario drivers are encouraged to buy at least $1M in third-party liability insurance. |
| Accident benefits: Basic medical & rehab [MANDATORY] | Provides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren’t covered by OHIP. |
| Accident benefits: Income & family support [OPTIONAL] | Replaces lost wages, caregiver costs, and funeral expenses. After July 1, 2026, this coverage is no longer included by default on new policies; you must actively opt-in to keep your income safety net. Renewing policies will keep this coverage. |
| Uninsured automobile [MANDATORY] | Provides up to $200,000 in coverage if you are injured or killed by an uninsured driver, or if your vehicle is damaged as a result of a hit-and-run by an unidentified, uninsured motorist. |
Direct compensation property damage [OPTIONAL] | DCPD is a standard coverage. It covers damage to your car, or loss of use of your vehicle, if someone else is at fault. DCPD is automatically included in all policies, but an insurance professional can remove it using form OPCF 49. Insurance experts, as well as the Ontario regulator, warn against this. |
| Collision [ADD-ON] | Covers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property. Usually required for leased vehicles. |
| Comprehensive [ADD-ON] | Covers damages caused by named perils identified under the specified perils coverage, as well as losses from other perils like falling or flying objects, theft, fire, hail, windstorms, missiles, and vandalism. Usually required for leased vehicles. |
| Specified perils [ADD-ON] | Covers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and also other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc. |
| All-perils [ADD-ON] | Combines collision/upset and comprehensive coverage. Also provides additional protection if a household member or an employee steals your vehicle. |
| OPCF 20: Replacement vehicle [ADD-ON] | Covers the cost of your transportation replacement and rental car insurance if you were to get into a car accident or if your vehicle is stolen. |
| OPCF 27: Rental car liability [ADD-ON] | Covers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000. |
| OPCF 39: Accident forgiveness [ADD-ON] | Protect your premium from rising when you have your first at-fault accident. |
| OPCF 43: Depreciation waiver [ADD-ON] | Protects you by removing your insurer's right to deduct depreciation from the value of your vehicle when settling a claim. This coverage is for new vehicles with fewer than 5,000 kilometres. |
| OPCF 44R: Family protection [ADD-ON] | Increases your coverage if you're injured or killed in a collision involving an underinsured, uninsured, or unidentified driver. This coverage also applies if you or a family member is injured as a passenger, pedestrian, or cyclist. |
| OPCF 49: DCPD opt-out [ADD-ON] | Removes DCPD coverage from your insurance policy. |
| Legend | Essential: Critical coverage you should always have, with few exceptions Caution: Think carefully before removing Optimal: Useful add-on |
Many factors can affect the rates you pay for North York car insurance. Here are some of them:
- Your driving record & habits. It stands to reason that a good driving record with few to no claims (or infractions) will be looked at favourably by North York insurance companies, leading to cheaper rates due to perceived lower risk.
- Your vehicle. Your car can affect your auto insurance premium as well. Higher-priced models that are also expensive to maintain or replace could come with a higher insurance price tag. They may also catch the eye of thieves. Cars with safety features, such as alarms or anti-theft devices, that are easier to maintain could help reduce your rates too.
- Where you live. Location is an important factor when it comes auto insurance premiums. Low-crime neighbourhoods that have less congestion could see lower rates than higher-crime areas, where theft and vandalism are more common.
- Your age and gender. North York auto insurance companies tend to give higher rates to younger and less experienced drivers. Males under the age of 25 are considered the highest risk drivers. Staying safe and maintaining good driving habits will help you reduce rates as you gain more experience.
Tips on how to get cheap car insurance in North York
To lessen the impact of some of the above-listed factors, here are some steps you can take:
- Compare insurance rates. Comparison shopping is always a great place to start when looking for cheap car insurance in North York. Sites like Rates.ca can instantly show you quotes from top car insurance companies in your area – for free. Alternatively, you could talk to a broker to find cheap rates or speak directly to companies in your area.
- Drive safely & ensure a clean record. A clean driving record indicates to car insurers how risky you are as a driver. The better your record, the lower risk you are to them and the cheaper your insurance will be. On the flipside, bad habits that lead to traffic tickets, demerit points, or worse, accidents, can negatively affect your insurance rates.
- Drive a ‘safer’ car. The fewer claims you file, the lower risk you are to your insurance provider. That’s why driving a ‘safe car’ can lead to discounts and fewer problems. Cars with anti-theft devices, anti-lock brakes and snow tires, for example, can help reduce your premiums.
- Bundle all your insurance policies. One of the best ways to reduce your auto insurance premiums is to bundle it with other insurance products such as your home insurance policy, from the same provider. North York auto insurance companies appreciate your loyalty and pass along the administrative savings to you. And it’s not just for you. If you have multiple people under one roof using insurance, you can save on their costs as well.
- Be selective about your coverage. Make sure to assess your needs before selecting your insurance policy, or even at renewal time. It is possible to be over-insured, so make sure you are getting only the coverage you need for your specific driving situation.
- Have consistent driving history. Consistency is a great way to keep your insurance rates down. A good record, over time, with few to no claims lets your provider know you are a negligible risk to them. Most North York insurance companies will reward clients for their good driving history.
- Try a usage-based insurance program. Usage-based insurance (or UBI) can significantly lower your insurance rate, provided you drive safely. This allows North York insurance providers to monitor your speed, acceleration and other driving functions. It can be done through a company app or a device that attaches to your car. Your premium is then determined based on your good (or bad) driving habits.
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Frequently asked questions about car insurance in North York
Need more information on North York car insurance? We got you covered.
Which company has the cheapest car insurance in North York?
Unfortunately, there’s no way to accurately pinpoint the ‘cheapest’ car insurance company, as your rates will depend on a number of highly individualized factors, including your driving record, vehicle, needs and location. You can start with a comparison of different auto insurance rates on Rates.ca, offered by the top providers in your area. That should point you in the right direction.
Can I get month-to-month car insurance in North York?
North York insurance companies do not offer month-to-month car insurance. Some may offer six-month policies, but they are far and few between – one-year policies are the most common.
How do I get car insurance as a new driver in North York?
Most North York insurance providers will offer higher rates to young drivers (especially those between 16 and 24), given their lack of experience and, sometimes, risky behaviour.
You can talk to your insurance broker or direct writer about it. You should also consider the following to keep your rates as low as possible:
- Drive under the same policy as the parent or guardian. Instead of getting your own car, you can use your parent or guardian’s car and acquire insurance as part of their policy.
- Enroll in a driving course. This has two benefits to it. It teaches you good habits and strategic driving, while at the same time helping you secure lower auto insurance premiums.
- Drive regularly. Consistent clean driving is something your insurance provider will always look at. Just like having a credit card, you must build a record. Once you do, and so long as it’s accident- and claims-free, you will be able to secure a good auto insurance rate.
What if I’m a new driver, but a little on the older side?
If you are older, but new to driving, the above suggestions can help as well. Learn driving in a class for better habits, drive consistently and drive under an experienced person’s policy. Over time, your rates will eventually come down.
Is ridesharing insurance available in North York?
Yes, it is. However, if you intend to use your personal vehicle for ridesharing, you must inform your car insurance provider first.
Here’s a list created by the Financial Services Regulatory Authority of Ontario (FSRA) that shows all the approved ridesharing companies and corresponding insurers:
- EZ Ride | Northbridge General Insurance Corporation
- Facedrive | Northbridge General Insurance Corporation
- Lyft | Aviva Insurance Company of Canada
- M Ride Inc. | Northbridge General Insurance Corporation
- NRT OnDemand | Hartford Fire Insurance Company of Canada
- RideCo | Northbridge General Insurance Corporation
- Uber | Economical Mutual Insurance Company
- Uride | Northbridge General Insurance Corporation
- Wilma | Northbridge General Insurance Corporation
- Y Drive | Northbridge General Insurance Corporation
- Zoom Innovators Inc. | Northbridge General Insurance Corporation
Note that drivers, car owners and passengers who use any of the above-listed services are automatically covered as soon as the ridesharing app is on. Once the app is off, the vehicle owner’s personal insurance applies.
North York car insurance rules and regulations
Drivers who call North York their home, like in any city in Ontario, require auto insurance. The risk of driving without one can get you fined up to $50,000. Even though it’s not considered a criminal offense, it is an offense under the Compulsory Automobile Insurance Act of Ontario (CAIA). Other consequences could include suspension of your license, impounding of your car and other fees.
In addition, insurance providers may label you as ’high-risk’ and charge exorbitant premiums.
To get the ball rolling on finding your ideal auto insurance provider and rate, consult the following:
- An insurance broker. This person sells North York car insurance but represents multiple insurance firms.
- An insurance agent. An agent usually represents one firm.
- A direct writer. This is someone who sells their own auto insurance
- A quote comparison website. Sites like Rates.ca where you can get the cheapest quotes from the top North York car insurance companies in just a few clicks. It’s free and simple.
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Joel Kranc, Freelance writer
Joel Kranc is a freelance writer and content provider who has worked with Rates.ca since 2019. He holds an MA in political science from the University of Toronto and a film certificate from New York University.
He has been published in and worked for such companies as CNN, Rogers Media, Institutional Investor Magazine, The Globe and Mail, Infrastructure Investor, BenefitsPRO Magazine, Global Finance Magazine, With Intelligence, the CPP Investment Board, Hospitals of Ontario Pension Plan, and many more financial services and industry publications.
He is the author of "Retirement Planning in 8 Easy Steps," which, when released in 2015, was No. 11 on the Publisher's Weekly US Bestseller List for Business and Finance, beating out Mark Cuban's "How to Win at the Sport of Business."
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Disclaimers
*More than 50% of Rates.ca users in Ontario who obtained an auto insurance quote from January to December 2025 saw savings ranging from $250 to $1,050, with an average savings of $583.87. The average savings amount represents the difference between the users’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by Rates.ca.
**The Registered Insurance Brokers of Ontario (RIBO) is the self-regulatory organization in charge of overseeing insurance brokers working in the province. Its mandate is to protect the public by ensuring that brokers meet provincial standards for licensing, professional competence, and ethical conduct. It maintains a public database of registered brokers, which displays a broker's licensing status and their standing within RIBO.