VEHICLE INSURANCE RESEARCH
Car Insurance by Vehicle
Your vehicle is one of the inputs insurers use to price auto insurance. Canada Rate Lab organizes Canadian claims and theft context by make and model without pretending there is one universal premium for every driver.
50 live vehicle guides. The database is built to scale toward hundreds of Canadian-market models while keeping claims evidence separate from personal premium estimates.
Why the vehicle changes the insurance equation
Insurance Bureau of Canada says insurers may consider make, model, year, value, repair cost and safety features. Claims experience matters too: collision, comprehensive losses, theft and repair or replacement costs can influence vehicle-side insurance risk.
Canada Rate Lab separates vehicle risk data from driver premium data. A model can show different claims experience without every owner paying the same premium.
IBC — How Cars Measure Up →50 vehicle insurance guides
SUVToyota RAV4A high-volume Canadian SUV with important current theft-risk context.Open vehicle guide →SUVHonda CR-VA popular compact SUV with a long history in Canadian auto-theft reporting.Open vehicle guide →SUVToyota HighlanderA three-row SUV with notable recent Canadian theft history.Open vehicle guide →PickupFord F-150A popular pickup where vehicle value, repair cost, usage and claims experience all matter.Open vehicle guide →CarHonda CivicHonda Civic insurance research built around Canadian model-specific claims evidence rather than a generic car premium.Open vehicle guide →CarToyota CorollaToyota Corolla insurance research built around Canadian model-specific claims evidence rather than a generic car premium.Open vehicle guide →CarToyota CamryToyota Camry insurance research built around Canadian model-specific claims evidence rather than a generic car premium.Open vehicle guide →CarHonda AccordHonda Accord insurance research built around Canadian model-specific claims evidence rather than a generic car premium.Open vehicle guide →SUVFord EscapeFord Escape insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVHyundai TucsonHyundai Tucson insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →CarHyundai ElantraHyundai Elantra insurance research built around Canadian model-specific claims evidence rather than a generic car premium.Open vehicle guide →EVTesla Model 3Tesla Model 3 insurance research built around Canadian model-specific claims evidence rather than a generic ev premium.Open vehicle guide →EV / SUVTesla Model YTesla Model Y insurance research built around Canadian model-specific claims evidence rather than a generic ev / suv premium.Open vehicle guide →SUVMazda CX-5Mazda CX-5 insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVSubaru CrosstrekSubaru Crosstrek insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →PickupChevrolet SilveradoChevrolet Silverado insurance research built around Canadian model-specific claims evidence rather than a generic pickup premium.Open vehicle guide →SUVChevrolet EquinoxChevrolet Equinox insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVMazda CX-30Mazda CX-30 insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVSubaru ForesterSubaru Forester insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVHyundai Santa FeHyundai Santa Fe insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVKia SportageKia Sportage insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVNissan RogueNissan Rogue insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →PickupGMC SierraGMC Sierra insurance research built around Canadian model-specific claims evidence rather than a generic pickup premium.Open vehicle guide →PickupRam 1500Ram 1500 insurance research built around Canadian model-specific claims evidence rather than a generic pickup premium.Open vehicle guide →SUVVolkswagen TiguanVolkswagen Tiguan insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →PickupToyota TacomaToyota Tacoma insurance research built around Canadian model-specific claims evidence rather than a generic pickup premium.Open vehicle guide →SUVHonda HR-VHonda HR-V insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVHonda PilotHonda Pilot insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVFord ExplorerFord Explorer insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVFord BroncoFord Bronco insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVHyundai KonaHyundai Kona insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVHyundai PalisadeHyundai Palisade insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →CarMazda Mazda3Mazda Mazda3 insurance research built around Canadian model-specific claims evidence rather than a generic car premium.Open vehicle guide →Wagon / SUVSubaru OutbackSubaru Outback insurance research built around Canadian model-specific claims evidence rather than a generic wagon / suv premium.Open vehicle guide →SUVChevrolet TraverseChevrolet Traverse insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →MinivanToyota SiennaToyota Sienna insurance research built around Canadian model-specific claims evidence rather than a generic minivan premium.Open vehicle guide →HybridToyota PriusToyota Prius insurance research built around Canadian model-specific claims evidence rather than a generic hybrid premium.Open vehicle guide →MinivanHonda OdysseyHonda Odyssey insurance research built around Canadian model-specific claims evidence rather than a generic minivan premium.Open vehicle guide →PickupFord MaverickFord Maverick insurance research built around Canadian model-specific claims evidence rather than a generic pickup premium.Open vehicle guide →EV / SUVFord Mustang Mach-EFord Mustang Mach-E insurance research built around Canadian model-specific claims evidence rather than a generic ev / suv premium.Open vehicle guide →EV / SUVHyundai Ioniq 5Hyundai Ioniq 5 insurance research built around Canadian model-specific claims evidence rather than a generic ev / suv premium.Open vehicle guide →SUVKia SorentoKia Sorento insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVKia TellurideKia Telluride insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →CarNissan SentraNissan Sentra insurance research built around Canadian model-specific claims evidence rather than a generic car premium.Open vehicle guide →SUVNissan KicksNissan Kicks insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVChevrolet TraxChevrolet Trax insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVGMC TerrainGMC Terrain insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVJeep WranglerJeep Wrangler insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →SUVJeep Grand CherokeeJeep Grand Cherokee insurance research built around Canadian model-specific claims evidence rather than a generic suv premium.Open vehicle guide →CarVolkswagen JettaVolkswagen Jetta insurance research built around Canadian model-specific claims evidence rather than a generic car premium.Open vehicle guide →
We do not publish fake “average insurance by model” numbers
A premium is produced from the combination of vehicle, driver, address, coverage, deductible, insurer and other approved rating variables. Vehicle pages therefore begin with documented claims or vehicle-risk evidence. Province-specific premium estimates will be added only when a defensible dataset exists.
How the database will scale
01More models
The first 50 cover mainstream cars, SUVs, pickups and EVs. The same template can expand to hundreds of models.
02Model-year views
IBC's claims data is model-year specific, so future pages can distinguish generations instead of treating a model name as one risk.
03Province context
Ontario and Alberta will be the first vehicle-plus-province layers once comparable pricing evidence is available.