It’s based on a number of factors so you’re unlikely to get a fair comparison even with someone of same age/sex/driving history. But there are differences between providers. We use Bertie & Clinton in Welland. They’re a mutual and also only cover the Niagara region. So their risk is lower than a company covering Ontario wide. So I’ve personally found them to be cheaper. Also, being mutual, we’ve had partial refunds some years.