CANADIAN AUTO INSURANCE RESEARCH
Auto Insurance Costs, Coverage & Data
Research Canadian auto insurance by province or territory, driver profile, city, vehicle and coverage. All 13 markets are live, including a French-first Québec cluster.
Data-first, not quote-first. Official averages stay labelled as averages; claims stay labelled as claims; regulatory rate changes stay regulatory rate changes. One benchmark never becomes a fake personal quote.
Open the insurance cost calculator →
Province auto markets13
Ontario coverage guides10
Québec FR guides7
Vehicle guides50
Reporting a collision is only the first claim stage
Use the national claims hub to separate first notice, Proof of Loss, settlement review, a denied claim and the formal complaint path before opening the province-specific ICBC, MPI, SGI or Québec research below.
Measure the change before assigning a cause
Compare the annual premium, rating information, limits, deductibles and optional coverage first. Then separate personal changes from insurer pricing and province-wide rate or public-insurer changes.
Compare the same drivers, vehicle, use and coverage
Start inside the correct provincial public or private insurance system. Keep every driver, VIN, annual distance, use, liability limit, deductible and optional coverage aligned before comparing prices.
Start with your province
ONTARIOOntario Auto InsuranceFSRA premium averages, coverage and endorsement guides, 10 city pages, rate tracker and driver research.Open research →ALBERTAAlberta Auto InsuranceAIRB premium data, Grid, 2026 pricing rules, Calgary/Edmonton research and Care-First 2027.Open research →BRITISH COLUMBIAB.C. Auto InsuranceICBC Basic vs Optional, claims, discounts, driver factor, territory and newcomer research.Open research →MANITOBAManitoba Auto InsuranceMPI Basic Autopac, PUB rate orders, Driver Safety Rating, claims, deductibles, liability and PIPP.Open research →SASKATCHEWANSaskatchewan Auto InsuranceSGI Basic plate insurance, 2026 rate action, Safe Driver Recognition, injury coverage and claims.Open research →NOVA SCOTIANova Scotia Auto InsurancePrivate-market regulation, C$500,000 minimum liability, DCPD, accident benefits and CLEAR.Open research →NEW BRUNSWICKNew Brunswick Auto InsuranceC$200,000 minimum liability, DCPD, NBIB approvals, accident benefits and First Chance rating.Open research →PRINCE EDWARD ISLANDPEI Auto InsuranceIRAC annual rate review, C$200,000 minimum liability, DCPD, accident benefits and rating factors.Open research →NEWFOUNDLAND & LABRADORNewfoundland & Labrador Auto InsurancePUB-regulated private rates, C$200,000 minimum liability, DCPD, 2024 treatment protocols, discounts and rating factors.Open research →YUKONYukon Auto InsuranceMandatory private coverage, liability, accident benefits, uninsured automobile protection and vehicle damage.Open research →NORTHWEST TERRITORIESNWT Auto InsuranceMandatory private coverage, liability, accident benefits, uninsured automobile protection and wildfire vehicle risk.Open research →NUNAVUTNunavut Auto InsuranceMandatory private coverage, liability, accident benefits, uninsured automobile protection and remote vehicle considerations.Open research →QUÉBEC · FRANÇAISAssurance automobile au QuébecRégime public SAAQ, assurance privée, responsabilité civile, F.P.Q. N° 1, CID, protections, avenants et contributions.Open research →
Québec auto research — en français
Québec combines a public bodily-injury regime administered by the SAAQ with mandatory private civil-liability insurance and optional private vehicle coverage. The French-first cluster keeps those layers separate.
QC · STRUCTURE DU RÉGIMERégime public vs privéComprendre la séparation entre l’indemnisation publique des dommages corporels par la SAAQ et l’assurance automobile privée au Québec.QC · PROTECTION OBLIGATOIREResponsabilité civile 50 000 $Pourquoi le propriétaire d’un véhicule circulant au Québec doit détenir au moins 50 000 $ d’assurance responsabilité civile privée et pourquoi ce minimum n’est pas une recommandation personnalisée.QC · F.P.Q. N° 1Chapitre A vs chapitre BDifférence entre le chapitre A obligatoire et les protections du chapitre B pour les dommages au véhicule dans la F.P.Q. N° 1 au Québec.QC · RÈGLEMENT D’UN SINISTREConvention d’indemnisation directeComment la Convention d’indemnisation directe aide à régler certains dommages matériels après une collision au Québec et pourquoi le degré de responsabilité demeure important.QC · DOMMAGES AU VÉHICULECollision, vol et vandalismeComparer collision, tous risques, accident sans collision ni versement et risques spécifiés dans le chapitre B de l’assurance automobile au Québec.QC · AVENANTSF.A.Q. 20, 27 et 43À quoi servent les avenants F.A.Q. 20, F.A.Q. 27 et F.A.Q. 43 dans une police automobile au Québec.QC · COÛT DU RÉGIME PUBLICContributions SAAQ 2025–2027Comprendre les contributions d’assurance SAAQ 2025–2027 et pourquoi elles ne doivent pas être confondues avec la prime facturée par un assureur automobile privé.
Ouvrir Assurance auto Québec →Care-First becomes a major new search cluster
All Alberta auto policies automatically move to Care-First on January 1, 2027. We separate the new injury-benefit framework from the Grid repeal and from ordinary premium changes.
Ontario coverage & endorsement research
Coverage configuration can change both what a policy protects and what it costs. The cluster separates mandatory protection, physical damage, deductibles and common Ontario endorsements.
MANDATORYThird-Party LiabilityOntario's C$200,000 legal minimum, higher limits and what liability protects.MANDATORYUninsured AutomobileMandatory protection involving certain uninsured or unidentified motorists.2026 REFORMAccident Benefits 2026Mandatory medical, rehabilitation and attendant care plus optional benefits after July 1, 2026.ONTARIODCPD & OPCF 49How Direct Compensation – Property Damage works and what the OPCF 49 opt-out changes.OPTIONALCollision vs ComprehensiveOptional physical-damage coverage, covered perils and different claim triggers.PRICINGAuto DeductiblesHow collision, comprehensive and other deductibles change out-of-pocket exposure.CLAIMSAccident ForgivenessInsurer-specific forgiveness and Ontario's separate minor-accident rule.ENDORSEMENTOPCF 20 Loss of UseTransportation replacement after an insured loss while your vehicle is repaired or replaced.ENDORSEMENTOPCF 27 Rental Car CoveragePhysical-damage and other specified protection for certain non-owned vehicles you rent or borrow.ENDORSEMENTOPCF 43 Depreciation WaiverRemoving the insurer's right to deduct depreciation in eligible covered-loss settlements.
Ontario pricing, shopping & policy guides
These explainers cover both price and policy administration: what determines a rate, how to compare insurers, cancellation and non-renewal, and proof of insurance.
RATE GUIDEHow Rates Are SetVehicle, driving record, location, kilometres, coverage, deductible and insurer-specific pricing factors.RATE GUIDEHow to SaveShop around, compare equivalent coverage, review deductibles and verify available discounts without assuming a universal saving.SHOPPING GUIDESwitching InsurersRenewal shopping, mid-term cancellation costs, equivalent coverage and avoiding coverage gaps.POLICY GUIDECancelling a PolicyConsumer cancellation rights, possible mid-term penalties, non-payment risk and switching without a coverage gap.POLICY GUIDENon-RenewalFSRA-approved underwriting rules, written reasons and the difference between non-renewal and mid-term termination.POLICY GUIDEPink Slip & Digital ProofPaper pink slips, electronic insurance cards, borrower access and proof requirements inside and outside Ontario.
Alberta pricing & market guides
AIRB premium data, the 2026 good-driver cap and the transition to 2027 Care-First are separate research questions.
PRICINGHow Alberta Auto Insurance Rates Are CalculatedAIRB base-rate, rating-factor, surcharge and discount framework for Alberta auto insurance.SAVINGSHow to Save on Car Insurance in AlbertaAIRB-backed shopping, mileage, vehicle, discount and usage-based insurance guidance.2026→2027Alberta Auto Insurance Rate Caps: 2026 vs 2027Good Driver Rate Cap, adjusted 2027 cap, Grid repeal and Care-First explained separately.
British Columbia ICBC guides
B.C. uses ICBC for mandatory Basic insurance while optional protection can be purchased separately. Rating mechanics, optional coverage, discounts and policy administration stay distinct.
PRICINGHow B.C. Rates Are CalculatedDriver history, territory, vehicle use, optional coverage and other factors behind a B.C. premium.COVERAGEBasic vs Optional CoverageWhat mandatory Basic Autoplan covers and where optional Collision, Comprehensive and extra liability fit.DRIVER RISKICBC Driver FactorHow the ICBC driver factor works, what 1.000 means and how listed-driver risk enters a policy.LOCATION + USETerritory & Rate ClassHow B.C.'s rating territories and vehicle-use classes influence auto insurance pricing.POLICY SETUPListed DriversWho should be listed, how other drivers enter the premium and why crash history follows the driver.STUDENTSOut-of-Province Student ExemptionHow eligible full-time students can keep an out-of-province licence, registration and insurance while studying in B.C., including the ICBC exemption process.MOVINGMoving Within B.C.What B.C. drivers should update after moving: home address, Autoplan policy, territory and vehicle use, and why stale information can affect a claim.WILDFIREWildfire Vehicle CoverageB.C. vehicle wildfire coverage explained: Comprehensive, Specified Perils, Basic insurance limits, evacuation alerts and when optional coverage can be purchased.CLAIMSHit-and-Run CoverageHow ICBC Hit and Run coverage works when an unidentified driver damages a B.C.-registered vehicle and leaves the scene.TRANSPORTATIONLoss of Use CoverageWhen ICBC Loss of Use coverage can pay for a rental vehicle, taxi, rideshare or public transit while your vehicle is unavailable after a claim.RENTAL CARSRental Vehicle CoverageICBC Rental Vehicle Coverage explained: liability, accident benefits, underinsured motorist, Collision, Comprehensive and Loss of Use protection.COMPREHENSIVEComprehensive & WindshieldWhat ICBC Comprehensive can cover, how windshield chip repairs work and why a glass repair is different from a replacement claim.SAVINGSICBC Distance-Based Discounts5,000 km Basic and 15,000 km Optional thresholds, odometer evidence and eligible coverage.VEHICLE TECHAEB & Anti-Theft DiscountsFactory autonomous emergency braking and passive immobilizer savings on eligible coverage.
British Columbia ICBC claims lifecycle
Reporting, fault assessment, repair and total-loss valuation are separate decisions with separate official ICBC guidance.
START A CLAIMReport an ICBC ClaimHow to start an ICBC vehicle claim online or by phone, what information helps and what happens after a claims representative is assigned.FAULT / LIABILITYResponsibility AssessmentHow ICBC assesses crash responsibility, which evidence can matter, how responsibility may affect premiums and how to dispute an assessment.REPAIRVehicle Repair ProcessWhat happens after an ICBC collision claim: damage estimates, repair-shop choice, ICBC Repair Network billing, warranties and deductibles.WRITE-OFFTotal Loss & ValuationHow an ICBC vehicle claim becomes a total loss, how the settlement value enters the process and what options exist if you dispute the valuation.
Open the full ICBC Claims Hub →Manitoba MPI insurance guides
The cluster separates the approved 2026/27 Basic rate change from personal pricing and covers Basic Autopac, DSR, deductibles, liability and PIPP.
PRICINGHow Manitoba Rates Are SetHow MPI, the Public Utilities Board, driving record, vehicle, use and territory shape Manitoba Basic Autopac pricing.COVERAGEBasic Autopac CoverageThe mandatory MPI foundation: personal injury protection, all-perils physical damage and third-party liability.DRIVER RECORDDriver Safety RatingHow Manitoba's DSR scale rewards safe driving and how at-fault claims or convictions can reduce discounts.DEDUCTIBLEMPI DeductiblesWhat changed on April 1, 2026, when the Basic deductible applies and how optional lower-deductible coverage fits.LIABILITYThird-Party LiabilityHow Manitoba's C$500,000 Basic liability limit works and when C$1M, C$2M or C$5M optional limits matter.INJURY BENEFITSPersonal Injury Protection PlanHow Manitoba's Personal Injury Protection Plan provides no-fault injury benefits to Manitoba residents in Canada and the U.S.
Open Manitoba Auto Insurance Hub →Manitoba MPI claims lifecycle
CLAIM REPORTINGReport an MPI ClaimWhat to do after a collision, what information MPI asks for and why the claim should be opened before repairs begin.RESPONSIBILITYMPI Fault AssessmentHow MPI adjusters assess collision responsibility, how fault affects deductibles and DSR, and what happens if a driver disagrees.REPAIRSMPI Repair ProcessHow an MPI physical-damage claim moves from reporting to estimate, repair shop and post-repair review.TOTAL LOSSMPI Total Loss & ValueHow MPI compares repair cost, actual cash value and salvage value when deciding whether a vehicle is written off.
Open the MPI Claims Hub →Saskatchewan SGI insurance guides
Saskatchewan combines vehicle registration with Basic plate insurance through SGI. Rate action, Safe Driver Recognition, vehicle rating and injury coverage remain separate questions.
BASIC COVERAGEBasic Plate InsuranceSGI Basic plate insurance explained: compulsory registration insurance, physical damage, injury benefits, liability and extended coverage.RATE WATCH2026 Rate IncreaseSGI's June 1, 2026 interim rate increase explained: 3.75% overall change, affected vehicle classes, average annual impact and 2027 review context.DRIVER DISCOUNTSafe Driver RecognitionSaskatchewan Safe Driver Recognition explained: safety points, Basic insurance discounts up to 25%, penalty-zone charges and incident-free recovery.RATINGHow Rates Are SetHow SGI Auto Fund rates work: mandatory public insurance, vehicle claim cost, CLEAR, rate review and the factors SGI says it does not use.INJURY COVERAGENo Fault vs TortSaskatchewan No Fault and Tort injury insurance compared: default coverage, switching rules, medical benefits and lawsuit rights.DEDUCTIBLEAuto DeductiblesHow SGI Basic plate deductibles work, when another Saskatchewan driver's insurance can reimburse the deductible and how extension insurance can change retained loss.OPTIONAL COVERAGEExtended Auto InsuranceSaskatchewan extension insurance explained: higher liability, lower deductibles, rental protection, replacement-cost options and injury top-ups.
Open Saskatchewan Auto Insurance Hub →Saskatchewan SGI claims lifecycle
CLAIM REPORTINGReport a ClaimWhat information SGI asks for after a Saskatchewan collision, how to submit a claim and when police reporting is also required.RESPONSIBILITYCollision ResponsibilityHow responsibility affects Saskatchewan auto claims, deductibles and Safe Driver Recognition without turning fault into one generic surcharge percentage.REPAIRVehicle Repair ProcessSGI damage estimates, repair-shop choice, replacement parts, repair authorization and when a repairable vehicle can later become a total loss.TOTAL LOSSTotal Loss & ValueHow SGI decides a vehicle is a total loss and determines market value using repair cost, salvage value, condition and comparable vehicles.
Open the SGI Claims Hub →Atlantic private-market auto guides
Nova Scotia, New Brunswick, Prince Edward Island and Newfoundland and Labrador all use private insurers, but their liability minimums, filing systems, treatment rules and regulator processes differ.
NS · BASIC COVERAGEMandatory CoverageNova Scotia mandatory auto insurance explained: C$500,000 third-party liability, DCPD, accident benefits and uninsured automobile coverage.NS · RATE REGULATIONHow Rates Are RegulatedHow Nova Scotia's private auto insurance rates are reviewed by the Nova Scotia Regulatory and Appeals Board under prior-approval rules.NS · DCPDDCPD CoverageNova Scotia Direct Compensation–Property Damage explained: qualifying not-at-fault vehicle damage, contents, loss of use and deductibles.NS · INJURY BENEFITSAccident BenefitsNova Scotia mandatory accident benefits explained: medical and rehabilitation benefits, income-loss benefits and policy conditions.NS · OPTIONAL DAMAGECollision vs ComprehensiveNova Scotia collision and comprehensive coverage compared: at-fault collision damage, theft, fire, hail, vandalism, deductibles and lender requirements.NS · VEHICLE RATINGCLEAR Vehicle RatingHow Nova Scotia insurers use approved CLEAR vehicle rate-group tables and why vehicle make, model and year can affect physical-damage pricing.NB · BASIC COVERAGEMandatory CoverageNew Brunswick mandatory auto insurance explained: C$200,000 liability, DCPD, accident benefits and uninsured/unidentified automobile coverage.NB · RATE REGULATIONHow Rates Are RegulatedHow New Brunswick auto insurance rates are reviewed by the New Brunswick Insurance Board and why insurer approvals are not province-wide quotes.NB · DCPDDCPD CoverageNew Brunswick DCPD explained: claiming qualifying not-at-fault vehicle damage, contents and loss of use from your own insurer.NB · INJURY BENEFITSAccident BenefitsNew Brunswick mandatory accident benefits explained: no-fault medical, rehabilitation, funeral, death and income-loss benefits.NB · UNINSURED AUTOUninsured & Hit-and-RunNew Brunswick uninsured and unidentified automobile insurance explained, including hit-and-run injury protection and the C$250 vehicle-damage deductible described by FCNB.NB · DRIVER PRICINGRating Factors & First ChanceNew Brunswick auto rating factors explained: territory, vehicle, use, driving record, coverage, deductibles and the regulated First Chance Discount for inexperienced drivers.PEI · BASIC COVERAGEMandatory CoveragePEI mandatory auto insurance explained: C$200,000 minimum third-party liability, DCPD, accident benefits and uninsured/unidentified automobile coverage.PEI · RATE REGULATIONHow Rates Are RegulatedHow PEI auto insurance rates are regulated by the Island Regulatory and Appeals Commission, including annual insurer filings and risk-classification review.PEI · DCPDDCPD CoveragePEI Direct Compensation–Property Damage explained: not-at-fault damage, loss of use, fault percentages, collision coverage and deductibles.PEI · INJURY BENEFITSAccident BenefitsPEI mandatory automobile accident benefits explained: medical and rehabilitation benefits, funeral expenses, death benefits and loss-of-income payments.PEI · OPTIONAL DAMAGECollision vs ComprehensivePEI collision and comprehensive coverage compared: at-fault collision, theft, fire, vandalism, weather damage, deductibles and lender requirements.PEI · RATING FACTORSRating Factors & CLEARHow PEI private insurers use driver, location, mileage and vehicle factors, plus IRAC-reviewed CLEAR rate-group table updates.NL · BASIC COVERAGEMandatory CoverageNewfoundland and Labrador mandatory auto insurance explained: C$200,000 minimum third-party liability, uninsured motorist coverage and insurance validation.NL · RATE REGULATIONHow Rates Are RegulatedHow Newfoundland and Labrador auto rates are reviewed by the Public Utilities Board, including mandatory, optional and expedited insurer filings.NL · DCPDDCPD CoverageNewfoundland and Labrador Direct Compensation for Property Damage explained: own-insurer claims for qualifying not-at-fault property damage since 2020.NL · INJURY BENEFITSAccident Benefits & TreatmentNL accident-benefit treatment protocols explained: December 2024 rules for sprains, strains and whiplash, direct billing and primary-payer access.NL · DISCOUNTSWinter Tires & TelematicsNewfoundland and Labrador winter-tire discount and telematics rules: mandatory insurer discount availability and optional usage-based programs.NL · OPTIONAL COVERAGEOptional Damage & Rating FactorsHow optional collision and comprehensive coverage interact with Newfoundland and Labrador insurer rating factors such as territory, driving record, deductibles and discounts.
77 filings in 2024–25; the filing statistic is not your renewal
The Newfoundland and Labrador PUB reported 77 automobile filings in 2024–25. About 87% of approved filings had an overall average rate-level change of +3% or less, and private-passenger filings averaged about +2% across filing types. Those are regulatory portfolio statistics, not a prediction for every driver.
Read NL rate-regulation guide →IRAC reviews every auto insurer's rates each year
Every PEI automobile insurer must make an annual application to IRAC. An approval still applies to that insurer's rating system — it is not a universal Island renewal percentage.
Read PEI rate-regulation guide →Insurer-specific filings stay insurer-specific
The New Brunswick Insurance Board publishes private-passenger decisions with insurer, approval date, average approved change and effective dates. We do not average unrelated filings into a made-up provincial renewal percentage.
Read New Brunswick rate-regulation guide →One insurer's approved filing is not a province-wide rate change
Nova Scotia private-passenger insurers need Board approval for changes to rates or risk-classification systems. Canada Rate Lab tracks those decisions insurer by insurer.
Read Nova Scotia rate-regulation guide →3.75% took effect June 1, 2026; a second 2027 increase is not approved
SGI implemented a 3.75% interim increase for most vehicle classes on June 1, 2026. The Rate Review Panel did not recommend approving another 3.75% increase for June 2027 at that time.
Read Saskatchewan rate guide →1.77% approved for 2026/27; 2.38% requested for 2027/28
The Manitoba PUB approved a 1.77% overall Basic increase effective April 1, 2026. MPI separately requested 2.38% for 2027/28; that second number remains a regulatory request as of August 31, 2026.
Read Manitoba rate-setting guide →Canada Insurance Cost Index
Compare official Statistics Canada home-insurance price changes with FSRA Ontario auto averages and AIRB Alberta written-premium data. Different definitions stay separate instead of being blended into a fake composite score.
Open Insurance Cost Index →Ontario Auto Insurance Rate Tracker
Track FSRA official average-premium benchmarks and approved insurer rate changes without assuming every driver receives the same percentage adjustment.
Open Ontario Rate Tracker →Ontario driver guides
Alberta driver guides
New to Canada or moving provinces?
NEWCOMER GUIDECar Insurance for Newcomers in OntarioForeign driving experience, MTO verification and licence conversion.Ontario guide →NEWCOMER GUIDECar Insurance for Newcomers in AlbertaLicence exchange, driving experience and rating context.Alberta guide →ICBC NEW RESIDENTCar Insurance for Newcomers in British ColumbiaLicence and vehicle deadlines, prior-experience credit and newcomer driver-factor adjustment.B.C. guide →MPI NEW RESIDENTCar Insurance for Newcomers in ManitobaThree-month transition, Manitoba licence and Autopac, prior claims history and DSR context.Manitoba guide →SGI NEW RESIDENTCar Insurance for Newcomers in Saskatchewan90-day transition, Saskatchewan licence and registration, Basic plate insurance and SDR context.Saskatchewan guide →
Car insurance by vehicle
Vehicle make, model, year, repair costs, claims and theft experience can affect insurance. Model pages use Canadian claims evidence without inventing an average premium by model.
VEHICLEToyota RAV4Open insurance research →VEHICLEHonda CR-VOpen insurance research →VEHICLEFord F-150Open insurance research →VEHICLEHonda CivicOpen insurance research →VEHICLETesla Model YOpen insurance research →VEHICLEToyota TacomaOpen insurance research →
Browse all 50 vehicle guides →Ontario city insurance research
Our 10 Ontario city pages use Insurance Bureau of Canada auto-theft claims costs as a local loss signal. Aggregate claims costs are not relabelled as city average premiums.
Measure your own renewal first
If you already have insurance, the most defensible personal number is your actual renewal. Our calculator measures the annual, monthly and percentage change without guessing why the insurer changed the price.