While Ottawa has urban similarities to Toronto, the net effect and risks are not as severe as Toronto. Itâ€s no surprise that Toronto welcomes a lot of traffic from residents and commuters. When many people are fighting the rush hour traffic, there are more risks on the road and therefore, more expensive car insurance.
Although certain areas of Ottawa have higher insurance rates than other areas of the city, average car insurance rates in Ottawa are generally lower than the rates in Toronto.