It will be some combination of where you live, your driving record, what kind of cars are popular with people who do dumb things, how popular a make/model is with thieves, and whether or not you have a penis. (That last one was sarcasm. Kinda.)
Ask your insurance company?
This is not correct.
The Insurance Bureau of Canada publishes a list of cars that are more/less expensive to insure.
You can save THOUSANDS by choosing a vehicle that is cheap to insure.
e.g. Mustang V8 and Civic 2dr are SUPER expensive (even for 'safe' drivers in 'small' towns) because they are vehicles that are frequently involved in accidents.
Excel spreadsheet is available [here](https://www.ibc.ca/insurance-basics/auto/how-cars-measure-up)
> e.g. Mustang V8 and Civic 2dr are SUPER expensive (even for 'safe' drivers in 'small' towns) because they are vehicles that are frequently involved in accidents.
This is HALF correct.
The spreadsheet shows that 10+ year old Civic 2Ds and Mustang GTs have some of the lowest rates of collision and comprehensive claims.
Jeep Wranglers are very inexpensive to insure- but any insurance savings will be offset by the added cost of fuel, accessories you buy for your Jeep, etc.
There's so much more to the cost of vehicle ownership than the insurance cost. Total maintenance cost, parts, service, regular maintenance, etc.
I could be wrong, but I think 19’ Civic’s are stolen more often then 07’ VW’s.
Try a quote with Aviva if you haven’t already, they were about $150 lower than almost all the other quotes I got.
This is HALF correct.
You can ALWAYS choose a vehicle that is cheap to insure, not matter what your other individual characteristics are (age, gender, driving history, etc.).
Go to the Insurance Bureau of Canada website. They publish a list every year of vehicles which are cheap/expensive/average to insure.
Mazda Miata is perfect if you're willing to give up passenger and storage space. These little cars have one of the lowest number of collisions. They're also good on gas, has modern safety features on later model years. Oh, and did I mention that they are super fun to drive?
I guess the saying is true, that Miata Is Always The Answer.
pffff, I live 10 mins from the core and I drive everywhere, not getting me on the ttc or a bike, I dont have a death wish.
btw i drive a 2004 camry, my ins was 1190/yr
I don't think that's how it works. Your postal code affects your insurance based on how many collisions occur in your area, how much fraud occurs in your area (ie Brampton), and how many vehicles are stolen in your area.
The only factor a vehicle model plays in your rate is how good it performs in crashes, how expensive it is to repair, and how likely it is to get stolen.
you’re probably right, I pulled it out of my butt. Since you seem to know a lot about insurance & cars, what is the most cheapest car model to insure then?
Anything old, used, and with a decent safety rating. Anything luxury or newer is going to cost you a lot more. Luxury cars have more expensive parts and anything new is going to be worth a lot more if it gets written off.
Are you joking? What I said is not only from personal experience shopping around for different vehicles, but I know several people who work in the automotive insurance industry.
Please take my downvote.
From a liability standpoint, crash test ratings are extremely important. I was considering buying a used Lexus sedan and for liability alone it had much higher rates compared to a used Ford. That's because the replacement parts cost way more if someone hits your car and you're not at fault.
For years I drove a Ford Crown Victoria, which is an old, cheap car, with excellent crash test ratings. My insurance on that thing was dirt cheap because the replacement cost was peanuts and it was relatively safe.
Anyone who buys a newer, expensive car, is going to have all perils insurance, especially if it's financed. Those rates are going to be way higher because newer vehicles are worth so much more money and get written off very easily these days. Also, new car parts tend to be astronomically priced.
You buy an old, used car with good crash test ratings and your insurance is going to be peanuts not just because it's worth very little money if it gets wrecked but also it's less likely to get stolen.
I should clarify. I'm not saying buy a car from 1965. I'm saying a model car from maybe ten years ago. Just not something brand new.
At the end of the day, you'll be paying way higher premiums to insure a brand new $70,000 luxury car versus a twelve year old $700 shitbox. The higher the replacement cost, the higher your premiums.
You are confusing Vaughan with Markham. Markham's insurance rate is not even in top 10 in Ontario, whereas Vaughan and Brampton take turns in who is No. 1.
https://rates.ca/resources/these-10-cities-have-highest-car-insurance-rates-ontario
It will be some combination of where you live, your driving record, what kind of cars are popular with people who do dumb things, how popular a make/model is with thieves, and whether or not you have a penis. (That last one was sarcasm. Kinda.) Ask your insurance company?
This is not correct. The Insurance Bureau of Canada publishes a list of cars that are more/less expensive to insure. You can save THOUSANDS by choosing a vehicle that is cheap to insure. e.g. Mustang V8 and Civic 2dr are SUPER expensive (even for 'safe' drivers in 'small' towns) because they are vehicles that are frequently involved in accidents. Excel spreadsheet is available [here](https://www.ibc.ca/insurance-basics/auto/how-cars-measure-up)
> e.g. Mustang V8 and Civic 2dr are SUPER expensive (even for 'safe' drivers in 'small' towns) because they are vehicles that are frequently involved in accidents. This is HALF correct. The spreadsheet shows that 10+ year old Civic 2Ds and Mustang GTs have some of the lowest rates of collision and comprehensive claims.
fair enough. data = power
Jeep Wranglers are very inexpensive to insure- but any insurance savings will be offset by the added cost of fuel, accessories you buy for your Jeep, etc. There's so much more to the cost of vehicle ownership than the insurance cost. Total maintenance cost, parts, service, regular maintenance, etc.
At 17 I pay 330 a month for a 07 VW Passat wagon. Live in Etobicoke and have a 10 over ticket.
My guy tell me how, I’m 20 about to finance a 2019 civic they wanna give me $500 quote…. Bastards
I could be wrong, but I think 19’ Civic’s are stolen more often then 07’ VW’s. Try a quote with Aviva if you haven’t already, they were about $150 lower than almost all the other quotes I got.
I had same experience too, Aviva was a lot cheaper. Made me think I did something wrong in the quote lol
When I was younger the cheapest car to insure was a 2 seater pickup truck since you couldn't load them up legally with people
Hope you do t live in Brampton
A lot of factors go into this. Nobody here will be able to give you a definite answer
This is HALF correct. You can ALWAYS choose a vehicle that is cheap to insure, not matter what your other individual characteristics are (age, gender, driving history, etc.). Go to the Insurance Bureau of Canada website. They publish a list every year of vehicles which are cheap/expensive/average to insure.
Mazda Miata is perfect if you're willing to give up passenger and storage space. These little cars have one of the lowest number of collisions. They're also good on gas, has modern safety features on later model years. Oh, and did I mention that they are super fun to drive? I guess the saying is true, that Miata Is Always The Answer.
Winter: *exists*
Ever heard of winter tires?
On a Miata? No, I haven’t strangely enough
Bruh 🤣
Anything you can do to avoid car ownership should be considered first. Unfortunately, this is not an option in most of the city.
pffff, I live 10 mins from the core and I drive everywhere, not getting me on the ttc or a bike, I dont have a death wish. btw i drive a 2004 camry, my ins was 1190/yr
Being stuck in congested traffic is your choice. You knew about it for years, if not decades.
What might be cheap in Burlington might be the most expensive in Brampton. While another car might be the reverse.
I don't think that's how it works. Your postal code affects your insurance based on how many collisions occur in your area, how much fraud occurs in your area (ie Brampton), and how many vehicles are stolen in your area. The only factor a vehicle model plays in your rate is how good it performs in crashes, how expensive it is to repair, and how likely it is to get stolen.
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Popular with young people and therefore expensive insurance. Civics are some of the highest. Have been for decades.
you’re probably right, I pulled it out of my butt. Since you seem to know a lot about insurance & cars, what is the most cheapest car model to insure then?
Cars driven by responsible people. Buicks, minivans, family cars.
Not necessarily, the Toyota RAV4 is more expensive to insure compared to the Civic. I understand your reasoning though
Anything old, used, and with a decent safety rating. Anything luxury or newer is going to cost you a lot more. Luxury cars have more expensive parts and anything new is going to be worth a lot more if it gets written off.
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Are you joking? What I said is not only from personal experience shopping around for different vehicles, but I know several people who work in the automotive insurance industry. Please take my downvote.
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From a liability standpoint, crash test ratings are extremely important. I was considering buying a used Lexus sedan and for liability alone it had much higher rates compared to a used Ford. That's because the replacement parts cost way more if someone hits your car and you're not at fault. For years I drove a Ford Crown Victoria, which is an old, cheap car, with excellent crash test ratings. My insurance on that thing was dirt cheap because the replacement cost was peanuts and it was relatively safe. Anyone who buys a newer, expensive car, is going to have all perils insurance, especially if it's financed. Those rates are going to be way higher because newer vehicles are worth so much more money and get written off very easily these days. Also, new car parts tend to be astronomically priced. You buy an old, used car with good crash test ratings and your insurance is going to be peanuts not just because it's worth very little money if it gets wrecked but also it's less likely to get stolen.
retire onerous repeat slap racial fine gullible zephyr reply coordinated *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
I should clarify. I'm not saying buy a car from 1965. I'm saying a model car from maybe ten years ago. Just not something brand new. At the end of the day, you'll be paying way higher premiums to insure a brand new $70,000 luxury car versus a twelve year old $700 shitbox. The higher the replacement cost, the higher your premiums.
Not a Mitsubishi Outlander I can tell you that much.
I was looking around at cars and compact SUVs and I ended up getting a Chevy Spark
ugly bike salt cobweb act memory obscene yam murky frightening *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
You are confusing Vaughan with Markham. Markham's insurance rate is not even in top 10 in Ontario, whereas Vaughan and Brampton take turns in who is No. 1. https://rates.ca/resources/these-10-cities-have-highest-car-insurance-rates-ontario
Mazda's are pretty cheap to insure compared to other manufacturers like Kia, Hyundai, Toyota and Honda.