Rate Comparison: Scarborough vs Nearby Cities (2026)
| City | Province | Monthly | Annual | Note |
|---|---|---|---|---|
| Pickering lowest | ON | CA$174 | CA$2,088 | CA$432 less |
| North York | ON | CA$205 | CA$2,460 | CA$60 less |
| Toronto Core | ON | CA$200 | CA$2,400 | CA$120 less |
| Scarborough (this city) | ON | CA$210 | CA$2,520 | 31% above prov avg |
| Ontario Provincial Avg | CA$161 | CA$1,927 | Baseline | |
Scarborough sits above the Ontario provincial average, ranking it among the higher-cost markets in the province. The most affordable nearby option in this comparison is Pickering at CA$2,088/year.
Risk Profile: Scarborough
High RiskOntario carriers use local traffic data, theft statistics, weather exposure, and collision frequency to calculate your Scarborough rate. Knowing your city's risk profile helps identify which coverage elements are driving your premium and which comparison strategies are most effective.
Top Discount Strategies for Scarborough
Multi-Vehicle Bundle
Two or more vehicles with the same carrier simultaneously
Home & Auto Bundle
Largest single available discount for homeowners and condo owners
FSRA GPS Tracker
FSRA-approved GPS device; Scarborough has among Ontario's highest auto theft concentrations
Telematics Program
Safe drivers documenting off-peak routes avoiding Morningside, Kingston Road, and Eglinton corridors
Mandatory Coverage in Ontario
Ontario requires all drivers to carry four types of mandatory coverage under the Insurance Act. The FSRA oversees all admitted carriers in the province.
| Coverage | What It Covers |
|---|---|
| Third-Party Liability | Pays others for injury or property damage; minimum CA$200,000 in Ontario |
| Statutory Accident Benefits (SABs) | Pays your medical, rehabilitation, income replacement, and caregiver benefits regardless of fault |
| Direct Compensation-Property Damage (DCPD) | Covers damage to your vehicle when another insured driver is at fault |
| Uninsured Automobile Coverage | Protects you if you are hit by an uninsured or unidentified driver |
2026 Reform Update — Ontario
Ontario's most significant auto insurance reform in two decades takes effect July 1, 2026: the new Statutory Accident Benefits Schedule allows drivers to select benefit levels a-la-carte rather than purchasing the standard package. For high-premium drivers this can reduce premiums by 5–15%, but inadequate benefit selection creates coverage gaps. Work with a licensed Ontario broker to model the correct selection for your situation before the next renewal.