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Insurance companies are in the business of assessing risk; based on that, they set their prices. In the GTA, Brampton and Scarborough are higher-risk places to insure a car, because insurance companies have a higher claims experience there. So you pay more for car insurance if you live there.

https://www.thestar.com/business/personal_finance/insurance/2016/08/02/car-insurers-fraud-effort-drives-good-customer-away-mayers.html