Insurance costs, made easier to understand.
Canadian insurance data, transparent calculators and province-by-province guides — designed to help you understand the numbers before you buy or renew.
What do you need help with?
Choose your situation for a practical guide, checklist or next step.
Compare policies
Compare the details in your quotes and prepare questions before choosing a policy.
Review a renewal
Understand a new premium, review policy changes and research switching insurers.
Handle a claim
Find guides for reporting a loss, reviewing an offer or questioning a claim decision.
Looking for local rules? Choose your province or territory.
One place to understand Canadian insurance costs.
We organize insurance around practical questions: what changes, why it changes and which factors matter in your province or territory.
Auto Insurance
13 provincial and territorial auto markets, rules, rate changes, city research, driver profiles and 50 vehicle-level claims guides.
Explore auto insurance →
Home Insurance
13 provincial and territorial markets, price trends, 20 city guides plus earthquake, coastal, hurricane, flood, wildfire, hail and water-risk research.
Explore home insurance →
Tenant Insurance
13 provincial and territorial markets covering lease rules, liability, landlord-vs-tenant coverage, theft, roommates, students and first rentals.
Explore tenant insurance →
Business Insurance
94 coverage guides plus 39 profession guides across 13 live provincial and territorial markets.
Explore business insurance →Canada is not one insurance market.
Rules, rating systems and available coverage differ across the country. Canada Rate Lab treats each province and territory as its own market instead of flattening everything into a single national average.
Browse markets →Insurance calculators by province
Build an insurance budget for your province, compare payment plans or check a coverage scenario. Auto, home, tenant and business tools are available across all 13 markets.
Car Insurance Calculator
Calculate annual and monthly car insurance costs, include separately quoted coverages and compare the full cost of a payment plan.
Choose your province →Home Insurance Calculator
Calculate a home insurance budget from a written premium, add separately priced endorsements and compare annual payment with instalments.
Choose your province →Tenant Insurance Calculator
Calculate a renters insurance budget, check the cost of instalments and total your belongings in the contents worksheet.
Choose your province →Business Insurance Calculator
Build an annual commercial insurance budget from package and separate policy quotes, then compare payment plans and interruption exposure.
Choose your province →Insurance Switching Savings Calculator
Compare switching insurers now with keeping the current policy until expiry, including retained premium and extra costs.
Open tool →Insurance Cancellation Refund Calculator
Estimate a pro-rata refund or check the provider’s retained premium against your actual payments and additional charges.
Open tool →Insurance Quote Comparison Calculator
Compare two or three written offers with full payment costs, limits, deductibles and coverage notes.
Open tool →Renewal Increase Calculator
Compare previous and renewal annual premiums with separate fees, dollar and percentage changes, and a monthly budget equivalent.
Open tool →Monthly vs Annual Payment Calculator
Compare an annual payment with your first payment or deposit, actual instalment count and separate fees.
Open tool →Coverage Gap Calculator
Compare your own replacement-value estimate with a policy limit and see the dollar gap and coverage ratio.
Open tool →Tenant Contents Coverage Estimator
Add replacement values by category to build a simple belongings inventory total.
Open tool →Home & Auto Bundle Savings
Compare separate auto and home, condo or tenant insurance with a bundle, including extra fees and each policy’s price change.
Open tool →Deductible Break-Even Calculator
Compare two real deductible/premium options and calculate the premium-savings break-even.
Open tool →B.C. Earthquake Deductible Calculator
Convert a strata building replacement value and earthquake deductible percentage into the gross dollar deductible.
Open tool →Insurance Claim Payout Calculator
Test a simple eligible-loss scenario using a policy limit and dollar deductible you enter.
Open tool →Actual Cash Value Calculator
Build a transparent straight-line depreciation scenario from replacement cost and assumptions you control.
Open tool →Business Interruption Exposure Calculator
Combine lost net income, continuing expenses and extra costs across a restoration period.
Open tool →Search by province, city, driver profile or vehicle.
Canada now has all thirteen provincial and territorial research markets on Canada Rate Lab. Québec is French-first and combines the SAAQ public regime with private automobile insurance.
Ontario Auto
FSRA averages, 10 cities, coverage and endorsement guides, rate tracker and driver research.
Open Ontario research →Alberta Auto
AIRB premium data, Grid, rate-cap research, Care-First 2027 and driver guides.
Open Alberta research →British Columbia Auto
ICBC Basic vs Optional, driver factor, territory, claims, discounts and newcomer research.
Open B.C. research →Manitoba Auto
MPI Basic Autopac, 2026/27 rates, Driver Safety Rating, claims and newcomer research.
Open Manitoba research →Saskatchewan Auto
SGI Basic plate insurance, 2026 rate action, Safe Driver Recognition, claims and newcomer research.
Open Saskatchewan research →Nova Scotia Auto
Private-market rate regulation, C$500,000 minimum liability, DCPD, accident benefits and CLEAR vehicle rating.
Open Nova Scotia research →New Brunswick Auto
6 guides on mandatory coverage, NBIB rate approvals, DCPD, accident benefits and First Chance rating.
Open New Brunswick research →Prince Edward Island Auto
6 guides on IRAC annual rate review, C$200,000 liability, DCPD and rating factors.
Open PEI research →Newfoundland & Labrador Auto
6 guides on PUB rate filings, mandatory coverage, DCPD, 2024 treatment protocols and rating factors.
Open NL research →Northwest Territories Auto
4 guides on mandatory private coverage, C$200,000 liability, accident benefits, uninsured automobile and wildfire vehicle risk.
Open NWT research →Yukon Auto
5 guides on mandatory private coverage, C$200,000 liability, accident benefits, uninsured automobile and vehicle damage.
Open Yukon research →Nunavut Auto
4 guides on mandatory private coverage, C$200,000 liability, accident benefits, uninsured automobile and vehicle damage.
Open Nunavut research →Assurance auto Québec
7 guides sur SAAQ, assurance privée, responsabilité, F.P.Q. N° 1, CID, avenants et contributions.
Ouvrir Québec →50 Vehicle Guides
Claims-first research for cars, SUVs, pickups, minivans, hybrids and EVs.
Browse vehicles →Québec is the French-first full research market.
Rather than translating another province, Canada Rate Lab built Québec from SAAQ, AMF, GAA, TAL, CNESST, Québec.ca and French BAC sources. The substantive market is indexed under /fr/.
French-First Full Market
24 French guides across auto, home, tenant and business insurance.
Explorer Québec →6 Habitation Guides
Dégâts d’eau, inondation, copropriété, reconstruction, formules de protection et feux de forêt.
Explorer Habitation →5 Locataire Guides
Bail, biens, responsabilité, frais de subsistance, colocataires et dépôt de garantie.
Explorer Locataire →6 Entreprise Guides
CNESST, véhicules commerciaux, biens, responsabilité, pertes d’exploitation, E&O et cyberrisques.
Explorer Entreprise →Newfoundland and Labrador remains fully live.
The NL cluster combines PUB-regulated private auto insurance, flood/coastal/wildfire property risk, Residential Tenancies guidance and WorkplaceNL commercial research.
Full Province Market
Auto, home, tenant and business research remain live from Newfoundland and Labrador primary sources.
Explore NL →6 Auto Guides
PUB rate filings, mandatory coverage, DCPD, treatment protocols, winter-tire discounts, telematics and rating factors.
Explore NL auto →5 Home Guides
1:20/1:100 flood maps, coastal storm surge, hurricanes, wildfire and disaster assistance.
Explore NL home →6 Business Guides
WorkplaceNL registration, 45-day contractor clearance, commercial auto, CGL/property, interruption and E&O/cyber.
Explore NL business →Rental rules differ even between neighbouring provinces.
PEI, New Brunswick, Nova Scotia and Newfoundland and Labrador use different security-deposit, lease and insurance frameworks. We keep those legal rules separate from private tenant coverage.
5 NL Tenant Guides
Belongings, security deposits, condition reports, liability/ALE, roommates and first-rental setup.
Explore NL tenant →5 PEI Tenant Guides
Undue damage, contents/ALE, deposit limits, roommates and first-rental guidance.
Explore PEI tenant →5 New Brunswick Guides
Proof-of-insurance rules, deposits, contents, liability/ALE, roommates and replacement value.
Explore NB tenant →4 PEI Home Guides
Coastal and inland flooding, erosion, FireSmart wildfire and severe wind/storm risk.
Explore PEI home →The Canada Rate Lab Insurance Cost Index.
Official home and auto insurance cost signals presented by source and definition — without blending different datasets into a fake national score.
Open Insurance Cost Index →Source first
Important numbers should trace back to a documented source or a clearly explained calculation.
Market aware
We explain regional differences instead of pretending Canadian insurance works the same everywhere.
Plain language
Insurance is complicated enough. Our job is to make the numbers and terms easier to understand.