A car can be considered cheap to insure for a variety of reasons. Some of the factors that contribute to a car being cheap to insure include:

1. Safety features: Cars with features such as airbags, anti-lock brakes, and stability control are considered safer, and insurance companies often reward drivers for choosing safer vehicles with lower insurance premiums.
2. Vehicle age: Newer cars tend to be more expensive to insure because they are more valuable and costly to repair or replace. Older cars, on the other hand, are typically less expensive to insure because they have depreciated in value and are not as expensive to repair or replace.
3. Vehicle type: Cars that are smaller and less powerful are often considered cheaper to insure than larger, more powerful cars. Sports cars, luxury vehicles, and SUVs are often more expensive to insure because they are more expensive to repair or replace and are considered higher risk.
4. Driving history: A good driving record can lead to lower insurance premiums, while a history of accidents or traffic violations can result in higher premiums.
5. Location: The cost of insurance can vary depending on where you live. Urban areas tend to have higher insurance costs because of the higher traffic density, while rural areas tend to have lower insurance costs due to lower traffic levels.

These are some of the factors that can impact the cost of car insurance and make a car cheaper to insure. However, it is important to keep in mind that insurance premiums can vary greatly depending on individual circumstances and the insurance company you choose.

10 cheapest cars to insure in Ontario

Here are the 10 cheapest cars to insure in Ontario, along with example driver profiles and different car models. I will also include the average monthly cost of insurance for each car and driver profile in 10 major cities across the province:

1. Honda Civic DX: The Honda Civic DX is one of the cheapest cars to insure in Ontario. A single, 30-year-old male driver living in Toronto, with a clean driving record can expect to pay around $115 per month for insurance on a Honda Civic DX.
2. Toyota Corolla CE: The Toyota Corolla CE is another affordable car to insure in Ontario. A single, 35-year-old female driver living in Ottawa with a clean driving record can expect to pay around $110 per month for insurance on a Toyota Corolla CE.
3. Mazda3 GX: The Mazda3 GX is a popular and affordable car to insure in Ontario. A single, 40-year-old male driver living in Hamilton with a clean driving record can expect to pay around $120 per month for insurance on a Mazda3 GX.
4. Hyundai Elantra GL: The Hyundai Elantra GL is a reliable and economical car that is also cheap to insure in Ontario. A single, 45-year-old female driver living in London with a clean driving record can expect to pay around $110 per month for insurance on a Hyundai Elantra GL.
5. Kia Forte LX: The Kia Forte LX is a budget-friendly car that is also inexpensive to insure in Ontario. A single, 50-year-old male driver living in Windsor with a clean driving record can expect to pay around $120 per month for insurance on a Kia Forte LX.
6. Chevrolet Cruze LS: The Chevrolet Cruze LS is a compact and fuel-efficient car that is also affordable to insure in Ontario. A single, 25-year-old male driver living in Thunder Bay with a clean driving record can expect to pay around $130 per month for insurance on a Chevrolet Cruze LS.
7. Nissan Versa S: The Nissan Versa S is a small and affordable car that is also cheap to insure in Ontario. A single, 30-year-old female driver living in Sudbury with a clean driving record can expect to pay around $120 per month for insurance on a Nissan Versa S.
8. Ford Focus S: The Ford Focus S is another affordable car to insure in Ontario. A single, 35-year-old male driver living in Mississauga with a clean driving record can expect to pay around $125 per month for insurance on a Ford Focus S.
9. Volkswagen Jetta Trendline: The Volkswagen Jetta Trendline is a stylish and affordable car that is also cheap to insure in Ontario. A single, 40-year-old female driver living in Brampton with a clean driving record can expect to pay around $130 per month for insurance on a Volkswagen Jetta Trendline.
10. Honda Fit LX: The Honda Fit LX is a small and practical car that is also inexpensive to insure in Ontario. A single, 45-year-old male driver living in Kingston with a clean driving record can expect to pay around $120 per month for insurance on a Honda Fit LX.

Please note that these are only example profiles, and insurance rates can vary depending on several factors, including age, gender, location, driving history, and other personal details. Additionally, insurance rates can vary significantly between different insurance providers, so it’s important to shop around and compare rates from multiple providers to find the best deal.

List of Safest Cars With Cheapest Car Insurance in Ontario

In Ontario, the list of safest cars with the cheapest car insurance can vary based on a variety of factors such as the make, model, year, and specific features of the vehicle. However, some popular models that are known for their safety features and low insurance costs include:

1. Honda Civic
2. Toyota Corolla
3. Mazda3
4. Subaru Impreza
5. Kia Soul
6. Ford Focus
7. Nissan Sentra
8. Hyundai Elantra
9. Volkswagen Jetta
10. Chevrolet Spark

Midsize Cars With Cheapest Car Insurance in Ontario

In Ontario, some of the midsize cars with relatively cheaper car insurance include:

1. Honda Accord
2. Toyota Camry
3. Subaru Legacy
4. Mazda6
5. Kia Optima
6. Hyundai Sonata
7. Nissan Altima
8. Volkswagen Passat
9. Chevrolet Malibu
10. Ford Fusion

FAQs

Here are some frequently asked questions about the cheapest cars to insure in Ontario:

1. Why are some cars cheaper to insure than others?

• Some cars are cheaper to insure than others because they are considered to be safer and less likely to be involved in accidents or theft. Cars that are cheaper to repair and have lower claims histories also tend to have lower insurance premiums.

2. Are there any other factors that affect car insurance rates besides the type of car?

• Yes, there are several factors that can affect car insurance rates, including the driver’s age, gender, location, driving history, and credit score. Other factors such as the level of coverage, deductibles, and discounts can also impact insurance rates.

3. How can I find the cheapest car insurance rates in Ontario?

• To find the cheapest car insurance rates in Ontario, shop around and compare rates from several different insurance providers. Look for discounts and coverage options that fit your needs and budget. It’s also important to consider factors such as customer service and claims satisfaction when choosing an insurance provider.

4. Are there any downsides to choosing a cheaper car to insure?

• While choosing a cheaper car to insure can help you save money on insurance premiums, it’s important to consider other factors such as reliability, fuel efficiency, and safety when making your decision. Cheaper cars may have fewer safety features or lower crash test ratings, which could put you at greater risk of injury or damage in an accident.

5. Can I still get full coverage insurance on a cheaper car?

• Yes, you can still get full coverage insurance on a cheaper car. Full coverage insurance typically includes liability, collision, and comprehensive coverage, which can protect you in the event of an accident, theft, or other covered events.

7. Can I get a discount on my car insurance if I choose a cheaper car?

• Yes, you may be able to get a discount on your car insurance if you choose a car that is considered to be safer or more affordable to insure. Ask your insurance provider about available discounts and ways to save on your premiums.

8. What is the average cost of car insurance in Ontario?

• The average cost of car insurance in Ontario can vary widely depending on several factors, including the driver’s age, gender, location, driving history, and other personal details. In general, car insurance premiums in Ontario are among the highest in Canada, with an average cost of around $1,500 to $2,000 per year.

9. Can I switch insurance providers to get a better rate on my car insurance?

• Yes, you can switch insurance providers to get a better rate on your car insurance. However, it’s important to compare rates and coverage options from multiple providers and make sure you are not sacrificing quality or service for a lower price.

10. How can I lower my car insurance premiums on a more expensive car?

• To lower your car insurance premiums on a more expensive car, consider increasing your deductibles, choosing a higher level of coverage, or installing safety features such as an alarm system or a tracking device. You may also be eligible for discounts based on your driving record or other factors.

11. What are some other ways to save on car insurance in Ontario?

• In addition to choosing a cheaper car to insure, there are several other ways to save on car insurance in Ontario. These include bundling multiple policies with the same provider, maintaining a clean driving record, taking a defensive driving course, and installing safety features on your car.

12. What should I do if I am having trouble finding affordable car insurance in Ontario?

• If you are having trouble finding affordable car insurance in Ontario, consider working with an independent insurance broker who can help you shop around and find the best rates and coverage options for your needs. Additionally, you may want to consider changing your driving habits or choosing a different type of car to help lower your insurance premiums.

13. Can I lease a car that is cheap to insure in Ontario?

• Yes, you can lease a car that is cheap to insure in Ontario. However, it’s important to make sure that you have the necessary insurance coverage and that the lease agreement includes insurance requirements that you can meet.

14. Are older cars generally cheaper to insure than newer cars?

• Older cars can sometimes be cheaper to insure than newer cars, especially if they are considered to be safer and have a lower claims history. However, other factors such as the car’s condition, value, and safety features can also impact insurance premiums.

15. Can I get a discount on my car insurance if I have multiple cars insured with the same provider?

• Yes, you may be able to get a discount on your car insurance if you have multiple cars insured with the same provider. This is called a multi-car discount and can help you save on your insurance premiums.

16. What happens if I can’t afford car insurance for my car?

• If you can’t afford car insurance for your car, you may be at risk of driving uninsured, which is illegal in Ontario. Additionally, driving without insurance can result in significant financial and legal consequences if you are involved in an accident. If you are having trouble affording car insurance, talk to your insurance provider about payment options or consider choosing a more affordable car to insure.

17. Can I get insurance on a salvage title car in Ontario?

• It is generally more difficult to get insurance on a salvage title car in Ontario, as these cars may have significant damage or other issues that make them less safe and less reliable. However, some insurance providers may offer coverage for salvage title cars under certain conditions. Contact your insurance provider to find out more about your options.

18. How can I compare car insurance rates in Ontario?

• To compare car insurance rates in Ontario, use an online comparison tool or work with an independent insurance broker who can help you shop around and find the best rates and coverage options for your needs. Be sure to compare rates from multiple providers and make sure you are getting the coverage you need at a price you can afford.