Car Insurance Calculator for Canada: Is Your Quote Fair?

    Quick Answer

    Insurers set prices privately, so no calculator can know your exact price. This page shows what official sources publish for your province, whether your quote is above or below the official average, and which of your quotes costs least over a year with a claim. Next step: pick your province.

    Takes about 1 minute. Nothing you type is sent anywhere. If you accept analytics cookies, we count how many visitors reach a result, never the numbers you enter. We do not ask for your name, postal code or contact details.

    Step 1: Pick your province

    Step 2: Is your quote above or below the official average?

    If you have a quote, type it in to see where it sits. No quote yet? Skip to the official figures in Step 1 and ask several insurers or brokers for prices.

    Choose your province in Step 1 first.

    Step 3: Compare two or three quotes

    Enter the quotes you have. We compare what each one costs you over a year, including a year with a claim, and how long a higher deductible takes to pay off.

    Quote A

    If paid monthly, enter the monthly amount. Some monthly plans add fees, so use the total of 12 payments if you know it.

    Quote B

    If paid monthly, enter the monthly amount. Some monthly plans add fees, so use the total of 12 payments if you know it.

    Enter a price and deductible for at least two quotes to compare them.

    These numbers come from the quotes you typed. Prices change, so confirm the details with the insurer before you decide.

    Step 4: What would an accident cost you?

    Optional. Type your own numbers to see what you would pay out of pocket if you had an accident. This is arithmetic, not a quote.

    Choose your province in Step 1 first

    Collision and comprehensive, or the damage coverage included in basic plans in Manitoba and Saskatchewan.

    For example injury or damage to someone else's property.

    Your policy shows this. The legal minimum differs by province.

    What affects your price

    FSRA, Ontario's insurance regulator, says premiums are shaped by market conditions, your insurer's approved rate changes, and changes in your own situation, such as moving, buying a new vehicle or getting a speeding ticket. Insurers also look at your driving record, the vehicle, the coverage and limits you choose, your deductible and which company you buy from. Rating rules differ by province, so ask your insurer what it uses where you live.

    Source: FSRA

    How this calculator works

    Official average: if your province has an official average premium, we compare your yearly price with it, using your region where the regulator lists one. An average mixes every driver and coverage, so it shows where your quote sits, not whether you are overpaying.

    Quote comparison: annual cost is the yearly premium, or the monthly premium times 12. A year with one claim is the premium plus the deductible. Break-even is the extra deductible divided by the yearly premium you save. These are arithmetic on the numbers you type. They are not a quote and not advice.

    Accident what-if: if your coverage applies, you pay your deductible when you are responsible for the damage. A total loss pays the vehicle's actual cash value minus your deductible, which can be less than what you still owe on a loan or lease. Your insurer pays claims made against you up to your liability limit, and anything above the limit is yours.

    Questions people ask

    Why don't you show an estimated premium?

    Your premium comes from your insurer's own rating, which uses details a free calculator cannot see. A number we made up could be thousands of dollars wrong in either direction. We show official averages where a regulator publishes one, and tools that work from your real quotes.

    How much does car insurance cost in Canada?

    It depends on the province, the city, the driver and the coverage. Official averages are published for seven provinces. Ontario's is $2,218 a year as of June 2026, from FSRA, Ontario's insurance regulator. Within Ontario, Greater Toronto Area is $2,868, Other urban areas is $2,131, Rural areas is $1,791. The Atlantic provinces' 2024 averages for private passenger vehicles are New Brunswick $1,208, Nova Scotia $1,302, Prince Edward Island $1,018, Newfoundland and Labrador $1,359. Alberta's rate board reports $1,903 for 2025, for full coverage only. ICBC reports $1,408 per Autoplan policy in British Columbia for 2025/26, without Optional coverage. For other provinces see the panel above and our car insurance cost page.

    Is car insurance mandatory in Canada?

    "Yes. Every province and territory requires drivers to carry at least third party liability. The minimum amount and the other required coverages differ by province." Source: Insurance Bureau of Canada

    What is a deductible?

    The amount you pay toward a covered claim before your insurer pays the rest. A higher deductible often lowers your premium, but you pay more out of pocket when you claim. Use the quote comparison to see how many claim-free years it takes to come out ahead.

    What if my car is a total loss and I owe more than it is worth?

    A total loss is generally paid at the vehicle's actual cash value, which is what a similar vehicle sells for, minus your deductible. If your loan or lease balance is higher, you still owe the difference. Ask your insurer or lender about gap coverage, and try the claim cost tool with your loan balance.

    Is my liability limit high enough?

    The legal minimum is a floor. A serious crash can cost more than a $200,000 limit, and anything above your limit is yours to pay. Ask your insurer or broker what raising your limit costs, then use the quote comparison to see the price of each extra $100,000.

    Does my credit score affect car insurance?

    That depends on where you live and on the insurer. Rules differ by province, so ask your insurer whether credit information is used in your rating. If you are working on your credit anyway, try our credit utilization calculator.

    Do you sell insurance or ask for my personal information?

    No. We do not sell insurance, and this page does not ask for your name, postal code or contact details. Nothing you type is sent anywhere. If you accept analytics cookies, we count how many visitors reach a result, never the numbers you enter.

    How often is this page updated?

    We check the official numbers on this page every month and show the date. Official figures checked November 1, 2026. Province rules checked October 28, 2026.

    Keep going

    Car insurance cost by provinceRequired coverage in every provinceInsurance guidesCar affordability calculatorFuel cost calculatorFirst vehicle guideBudget planner

    Sources

    Official figures checked November 1, 2026. Province rules checked October 28, 2026. This is general information, not insurance, legal or financial advice. Rules and rates change, so confirm with your insurer or the official page.

    We do not sell insurance and take no payment from insurers.

    Next step: learn how this works

    Read the guide behind these numbers, with sources and checked dates.