Canada Insurance Cost Index
Track official home and auto insurance cost signals without pretending that different datasets measure the same thing. Each series keeps its own definition, source date and methodology.
1. Home insurance price index: Canada, Ontario, Alberta & B.C.
Statistics Canada reports the five-year percentage change in the homeowners' home and mortgage insurance Consumer Price Index. Over Dec 2020 → Dec 2025, the Canada index increased +38.6%, Ontario increased +36.5%, Alberta increased +55.8%, and British Columbia increased +37.4%.
This is a price-index change, not an average annual premium. It measures price movement for the CPI insurance component and should not be presented as the dollar cost of a policy.
Dec 2020 → Dec 2025
Dec 2020 → Dec 2025
Dec 2020 → Dec 2025
Dec 2020 → Dec 2025
Home insurance prices rose faster than passenger vehicle insurance nationally
Statistics Canada reports that homeowners' home and mortgage insurance prices rose +45.0% over Dec 2019 → Dec 2025, while passenger vehicle insurance prices rose +23.9%. Both outpaced the all-items CPI increase of +21.0% over the same period.
Statistics Canada — June 16, 2026 release →2. Ontario auto insurance: average annual premiums
FSRA publishes average annual premiums for Ontario private passenger vehicles. As of October 2025, the provincial average was C$2,164. FSRA also publishes regional averages to show how the market differs across GTA, other urban and rural areas.
FSRA · October 2025
FSRA · October 2025
FSRA · October 2025
FSRA · October 2025
FSRA says the provincial figure covers private passenger vehicles insured in Ontario over the previous 12 months. It is a market benchmark, not a quote for a specific driver.
FSRA — Your average premium →3. Alberta auto insurance: total average written premium
AIRB's 2026 Semi-Annual Review shows a C$1,810 total average written premium at the latest point in the private-passenger-vehicle series, using industry experience through June 30, 2025.
Industry experience through June 30, 2025
This is not a “full coverage average.” AIRB explicitly notes that only some policyholders purchase additional coverages such as collision and comprehensive, so drivers purchasing full coverage would have a higher average than the total shown in the chart.
AIRB — 2026 Semi-Annual Review of Industry Experience →Why these numbers should not be ranked as if they were identical
Statistics Canada shows how an insurance price index changed over time. It is not a dollar premium.
FSRA reports an Ontario market average for insured private passenger vehicles over a defined period.
AIRB reports Alberta industry experience by basic, additional and total coverages, with its own coverage mix.
How Canada Rate Lab will expand this index
New series will be added only when the source, geography, coverage definition and date are clear. Province and city pages can link back to this index for market context while keeping personal estimates separate.
We label a CPI change as a CPI change and an average premium as an average premium.
Insurance markets move, so every benchmark needs a period or “as of” date.
User-entered calculator outputs are never presented as regulator-published averages.
Local risk data can explain context without inventing a city premium.