What Factors Lead To Different Auto Insurance Rates In Different Provinces? 
That is a great question ! There are many factors that go into determining rates charged by insurance companies in their auto policies . Remember that their focus is always on the risk that you might have to file a claim , and get paid . Since that is the focus , the more risk , the higher the premium they will charge you -LRB- so it does n't cost the company as much when they do have to pay out . It seems wrong , but trust me , you would much rather have insurance if God forbid you are in an accident than not ... -RRB- . Things like accident rates where you live , the number of claims filed annually , theft rates , number of uninsured motorists , and average vehicle cost will all be factors in what they will charge you . If your province is heavily populated and there are a lot of cars , accidents , and crime it is wise to expect that your auto insurance rate will be higher than if your province is fairly rural , and crime and claims are low . It really is all about the risk . Thank you for asking ! 