If I had to spend Thanksgiving alone I would go out for some really good Thai food . <| sep |> How many variations on this idiotic Facebook meme exist at this point ? <| sep |> Ontario ' s figures are inflated by the GTA , particularly new drivers . I won ' t deny that an 18 year old with no experience other than the minimum required to do the test gets hosed far worse with Ontario insurers than with ICBC . Also some GTA neighbourhoods like Brampton have disproportionately high rates . If you isolate those and focus on experienced drivers in their mid 20 s and later , the figures definitely are lower than ICBC ' s , especially outside the GTA . And that ' s accounting for the fact that plate renewal ~$ 110 year is separate in Ontario whereas it ' s bundled into ICBC costs .