Ontario Auto Insurance Rate Tracker
Official FSRA average-premium benchmarks over time, separated into Ontario, GTA, other urban and rural markets.
Ontario average premium history
FSRA publishes average annual premiums for private passenger vehicles using the prior 12 months of insured business. The numbers below reproduce the regulator's published benchmarks; Canada Rate Lab calculates only the percentage comparisons shown elsewhere on this page.
Ontario's published average rose 12.3% from June 2024 to October 2025
The provincial benchmark increased from C$1,927 to C$2,164 over the four published points in this series. Over the same endpoints, the GTA increased 10.5%, other urban Ontario 12.7% and rural Ontario 14.4%. These are changes in regional averages, not a prediction of any one driver's renewal.
Average premium vs insurer rate approval: what is the difference?
The average premium is what insured private passenger vehicles paid on average over the measurement period. A rate approval is a regulator-approved change to an insurer's rating system. The two are related but not interchangeable.
FSRA's rate-approval database is updated regularly and contains approved changes for Ontario auto insurers dating back to January 1, 2018. FSRA says consumers can use an approval as a signal of a potential future rate change, but the approved percentage may not apply to every customer.
Open FSRA's rate approvals database →Why an individual renewal can move differently
Tickets, convictions, accidents, licence experience and listed drivers can alter the profile.
A different car or a move can change expected claim costs independently of the market average.
Deductibles, limits and optional coverages can make a renewal move even without a rate filing.
Use the tracker with your own renewal
The provincial trend is most useful as context. Your actual renewal tells you how your policy changed. Use the calculator to measure your personal percentage change, then compare it with the province trend without assuming the causes are identical.
Calculate your renewal increase →