Car Insurance Price Gap 2026: The Most Expensive and Cheapest Cities in the US and Canada

Brooklyn, NY averages $6,779 per year for full coverage — nearly five times the $1,393 average in Essex Junction, Vermont. In Canada, Brampton, Ontario averages CAD $2,200 to $2,700+, nearly double Ottawa's rate 450 kilometres away. This report documents the 10 most expensive and 10 cheapest US cities, the 10 most expensive Canadian cities, the structural causes of price dispersion, Ontario's July 2026 insurance reform, and how much comparison shopping can save in each market.