According to the Ontario government, the average car insurance cost in the province is $154 per month. However, this amount will vary based on a number of factors, including the type of vehicle you drive, your driving record, and where you live. For example, if you live in a major city like Toronto or Ottawa, you can expect to pay more for car insurance than if you lived in a smaller town or rural area. If you have a clean driving record and are insuring a newer vehicle with fewer safety features, you'll also pay less than someone with several accidents on their record who's driving an older car. So while $154 is the average monthly cost of car insurance in Ontario, your actual premium will be unique to you.