We grade the cities across Ontario based on tickets and collisions of its hometown drivers.

Your driving record and history has a direct impact on the auto insurance premiums you pay. With tickets and collisions on your record, you can expect to pay more for your auto insurance than if you didn’t. It’s a reality that most drivers know and expect.

You might also expect, however, that residents in large urban areas, like Toronto, would report having more tickets on their driving record, on average, as well as collisions. It’s a big city after all with more vehicles on the road and drivers, and thus a greater chance for something to happen.

Yet, according to InsuranceHotline.com this may be a myth. Based on the details provided by shoppers who obtained Ontario auto insurance quotes, you have to look beyond Toronto’s borders to find the cities whose drivers admit to having the most tickets, collisions, or a combination of the two, on their driving record. These are infractions and collisions that could have occurred in the driver’s hometown or anywhere their travels have taken them.

We measured all three categories, and then assigned each city a grade based on its variance from the Ontario average.

In Orangeville, for example, drivers were 1.9 times as likely to have a ticket, accident, or both, on their record than the Ontario average. In North York, a driver is 22 percent less likely to have a ticket, crash or both on their record than the average, and Toronto drivers are 21 percent less likely to have a black mark on their driving record.

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