Several factors can make a car cheaper to insure. Insurance companies use a combination of data, statistics, and actuarial tables to determine how much to charge for a given policy. The cost of insuring a particular vehicle can be influenced by:

1. Safety Ratings: Cars with higher safety ratings typically cost less to insure. This is because they are less likely to be involved in an accident or, if they are, they are designed to better protect their occupants.
2. Vehicle Type: Certain types of vehicles, like sedans, might be cheaper to insure than sports cars or large SUVs. Sports cars, for example, often come with higher insurance premiums because they’re statistically more likely to be involved in accidents.
3. Cost of Repair or Replacement: Vehicles that are less expensive to repair or replace generally come with lower insurance premiums. Luxury cars or those with rare parts can be more expensive to insure because they can be pricier to repair.
4. Theft Rate: Cars that are frequently targeted by thieves might have higher insurance rates. Conversely, cars with a low theft rate are usually cheaper to insure.
5. Age of the Car: Older cars might be less expensive to insure because they’re worth less and might not be worth repairing in the event of significant damage. However, if an older car is considered a classic or collector’s item, it could be more expensive.
6. Engine Size: Larger engines, especially those in high-performance cars, can result in higher insurance premiums.
7. Safety Features: Cars equipped with modern safety features like anti-lock brakes, airbags, and advanced driver-assistance systems (ADAS) might receive discounts from insurers.
8. Driver Demographics: While this isn’t specific to the car itself, vehicles that are popular with younger drivers or groups statistically more likely to be in accidents might see higher premiums.
9. Location: The area where you live and where the car is stored can impact insurance rates. Cars in urban areas with higher crime or accident rates may be more expensive to insure.
10. Usage: Vehicles that are used for commercial purposes or are driven more frequently might have different insurance costs. On the other hand, a car that’s driven infrequently might qualify for a low-mileage discount.
11. Track Record: Models with a history of few insurance claims might be cheaper to insure.

However, some vehicles consistently show up as being cheaper to insure due to their safety ratings, low theft rates, and the cost of repairs. Some of the cheaper vehicles to insure in Ontario include:

Subcompact and Compact Cars:

These tend to be more affordable to insure since they are often less expensive to repair and replace.

1. Honda Civic
   • Description: A perennial favorite, the Civic is known for its reliability, fuel efficiency, and strong resale value. It has advanced safety features and good crash test scores.
   • Estimated Insurance Rate Range: $1,200 to $2,500 annually.
2. Toyota Corolla
   • Description: Another top-seller, the Corolla boasts a reputation for longevity and dependability. It often features advanced safety tech even in its base models.
   • Estimated Insurance Rate Range: $1,150 to $2,400 annually.
3. Hyundai Elantra
   • Description: Offering a blend of performance, safety, and value, the Elantra has made significant strides in recent years. It comes with a variety of safety features and has received commendable safety ratings.
   • Estimated Insurance Rate Range: $1,100 to $2,350 annually.
4. Mazda3
   • Description: Known for its sporty performance and upscale interior for its class, the Mazda3 is both fun and practical. It comes equipped with a range of modern safety tech.
   • Estimated Insurance Rate Range: $1,200 to $2,550 annually.
5. Kia Forte
   • Description: A compact sedan that offers value for money, the Forte has a stylish design, ample tech features, and has been recognized for its safety credentials.
   • Estimated Insurance Rate Range: $1,100 to $2,300 annually.
6. Volkswagen Golf
   • Description: A compact hatchback known for its well-rounded attributes, the Golf offers a refined driving experience, a comfortable interior, and a good set of safety features.
   • Estimated Insurance Rate Range: $1,250 to $2,600 annually.

Mid-size Sedans:

These cars often come with advanced safety features that can lead to insurance discounts.

1. Honda Accord
   • Description: A staple in the mid-size sedan market, the Accord is known for its longevity, advanced safety features, and smooth driving experience. It consistently ranks high in its class for performance and reliability.
   • Estimated Insurance Rate Range: $1,250 to $2,700 annually.
2. Toyota Camry
   • Description: Another leader in its segment, the Camry boasts a reputation for durability and dependability. With an array of safety tech and commendable fuel efficiency, it’s a favorite among families.
   • Estimated Insurance Rate Range: $1,300 to $2,750 annually.
3. Ford Fusion
   • Description: With its striking design and diverse engine options (including hybrid variants), the Fusion offers a mix of performance and practicality. It’s well-regarded for its spacious interior and tech features.
   • Estimated Insurance Rate Range: $1,280 to $2,800 annually.
4. Chevrolet Malibu
   • Description: The Malibu has evolved into a sleek, modern sedan with a comfortable interior and a range of engine choices. It’s also lauded for its safety scores and features.
   • Estimated Insurance Rate Range: $1,270 to $2,650 annually.
5. Hyundai Sonata
   • Description: Combining style, ample interior space, and modern tech, the Sonata is a competitive mid-size option. It frequently comes with advanced safety features even in base models.
   • Estimated Insurance Rate Range: $1,250 to $2,600 annually.
6. Mazda6
   • Description: Known for its engaging driving dynamics, the Mazda6 offers a more sporty take on the mid-size sedan. It also impresses with its upscale cabin design and safety tech.
   • Estimated Insurance Rate Range: $1,300 to $2,700 annually.

SUVs:

Not all SUVs are cheap to insure, but some have favorable ratings due to safety features and lower theft rates.

1. Subaru Outback
   • Description: Often classified between an SUV and a wagon, the Outback is known for its all-wheel-drive system, rugged design, and excellent safety features. It’s practical for both urban and off-road environments.
   • Estimated Insurance Rate Range: $1,300 to $2,800 annually.
2. Honda CR-V
   • Description: A popular compact SUV choice, the CR-V stands out with its reliability, spacious interior, and advanced safety tech. It’s efficient and has been a mainstay in the SUV market for years.
   • Estimated Insurance Rate Range: $1,350 to $2,900 annually.
3. Ford Escape
   • Description: A versatile compact SUV, the Escape offers various engine options, including hybrid variants. It’s lauded for its comfortable ride and modern infotainment features.
   • Estimated Insurance Rate Range: $1,320 to $2,850 annually.
4. Toyota RAV4
   • Description: With its blend of performance, safety, and value, the RAV4 has been a favorite in the compact SUV segment. It also comes in hybrid versions, offering better fuel efficiency.
   • Estimated Insurance Rate Range: $1,400 to $2,950 annually.
5. Mazda CX-5
   • Description: Known for its sharp handling and upscale interior, the CX-5 is a sporty take on the compact SUV. It features a range of safety tech and an elegant design.
   • Estimated Insurance Rate Range: $1,350 to $2,900 annually.
6. Hyundai Tucson
   • Description: Offering a balanced mix of comfort, tech, and safety, the Tucson is a compelling option in its segment. Its modern design and range of features make it a competitive choice.
   • Estimated Insurance Rate Range: $1,330 to $2,870 annually.

Minivans:

These vehicles are often driven by families, and statistically, they tend to be involved in fewer accidents.

1. Honda Odyssey
   • Description: A top choice in the minivan segment, the Odyssey is recognized for its spacious interior, advanced safety features, and user-friendly tech options. It’s often praised for its ride quality and reliability.
   • Estimated Insurance Rate Range: $1,250 to $2,700 annually.
2. Toyota Sienna
   • Description: With its all-wheel-drive option and efficient hybrid engine, the Sienna stands out in its category. It’s also equipped with a comprehensive suite of safety features and a versatile interior.
   • Estimated Insurance Rate Range: $1,270 to $2,750 annually.
3. Dodge Grand Caravan
   • Description: Known for its value proposition, the Grand Caravan offers a lot of space and features for its price. It’s been a go-to choice for families for many years due to its practicality.
   • Estimated Insurance Rate Range: $1,300 to $2,800 annually.
4. Chrysler Pacifica
   • Description: With a luxurious interior, a smooth ride, and available hybrid variant, the Pacifica is a more upscale option in the minivan segment. It boasts innovative tech and safety features.
   • Estimated Insurance Rate Range: $1,350 to $2,850 annually.
5. Kia Sedona (or Kia Carnival in later models)
   • Description: Offering a mix of value and features, the Sedona (rebranded as the Carnival) is recognized for its comfortable seating and robust safety credentials. It combines practicality with modern design elements.
   • Estimated Insurance Rate Range: $1,280 to $2,750 annually.

Hybrid/Electric Cars:

Some insurance companies offer discounts for eco-friendly vehicles.

1. Toyota Prius
   • Description: One of the most iconic hybrid vehicles, the Prius is known for its exceptional fuel efficiency and reliability. Its distinctive design and long-standing reputation make it a popular choice among eco-conscious drivers.
   • Estimated Insurance Rate Range: $1,200 to $2,600 annually.
2. Hyundai Ioniq
   • Description: Available as a hybrid, plug-in hybrid, and fully electric vehicle, the Ioniq offers versatility to eco-conscious buyers. It’s recognized for its efficiency, comfortable ride, and ample tech features.
   • Estimated Insurance Rate Range: $1,150 to $2,550 annually.
3. Chevrolet Bolt
   • Description: As a fully electric vehicle, the Bolt is known for its impressive range, peppy acceleration, and compact design. It offers a practical choice for those looking to switch to all-electric driving.
   • Estimated Insurance Rate Range: $1,180 to $2,500 annually.
4. Nissan Leaf
   • Description: One of the pioneering electric vehicles in the market, the Leaf offers a blend of efficiency, practicality, and affordability. Its driving range and tech features have improved with newer models.
   • Estimated Insurance Rate Range: $1,200 to $2,550 annually.
5. Kia Niro
   • Description: Available in hybrid, plug-in hybrid, and fully electric variants, the Niro is versatile and compact. It’s known for its stylish design, comfortable interior, and commendable efficiency.
   • Estimated Insurance Rate Range: $1,170 to $2,530 annually.
6. Tesla Model 3
   • Description: While Tesla vehicles can sometimes be pricier to insure due to their luxury status and repair costs, the Model 3, being the brand’s more affordable model, might have more competitive rates. Known for its advanced tech, impressive range, and high performance, the Model 3 has gained significant popularity.
   • Estimated Insurance Rate Range: $1,500 to $3,200 annually.

These rates are estimates and can be influenced by many factors, including the vehicle’s exact model and trim, driver’s individual record, location within Ontario, and more. For the most accurate rates, it’s recommended to obtain personalized quotes from multiple insurance providers in the region.