Ontario's auto insurance rules changed 1 July 2026.

Now optional on new policies: income replacement, caregiver, housekeeping. Still mandatory: medical, rehab, attendant care.

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Called high-risk?

Published figures put high-risk car insurance around $7,864/yr vs a $2,653 standard-market average — almost 3×.

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Brampton: $3,802/yr for car insurance. #180 of 180 in Ontario. 43% above the $2,653 average.

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