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Auto Insurance Canada 2026 — Instant Estimates

Auto quotes are by liability limit ($1M-$5M), annual policies. ON averages $1,600-2,400/year, BC $1,800-2,200, AB $1,500-2,000.

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2026 estimated rates

Estimates computed by the rate engine — ranges across all carriers

ProfileBCONAB
Age 25$1,966–$2,652$2,360–$2,960$2,160–$2,780
Age 35$1,966–$2,392$1,960–$2,480$1,800–$2,320
Age 50$1,966–$2,272$1,760–$2,220$1,600–$2,080
Insurance pricing depends heavily on underwriting details (health, driving record, property specifics), so your actual premium usually lands within this estimated range. · /yr

What affects your premium

  • ✓Driver age is U-shaped: young and senior drivers pay more
  • ✓Liability limit and deductible drive the base premium
  • ✓Province factors vary: QC lowest, AB hail risk, ON higher accident rates

By region

BCVancouverSurreyVictoria
ONTorontoBramptonMississaugaVaughanMarkhamRichmond HillOttawaHamiltonLondonKitchener
Auto insurance: complete guide
Liability limits, provincial rates, vehicle and driver factors
Auto insurance calculator
Age / province / vehicle / year → annual estimate

In-depth guides

New Driver Car Insurance (2026) — BC/ON First-Year Premium Ranges
New drivers pay 50-200% more than experienced ones. BC uses ICBC Basic Autoplan + optional coverage; ON uses the private market. Ranges from MyChoice 2026 + AAIRB 2026 public quotes for 5 cities.

Rate data

All rate data2026 BC Auto Insurance Rates2026 Ontario Auto Insurance RatesAge 25 vs 35 Auto Insurance in CanadaSUV Insurance Cost in Canada 2026EV Insurance Cost in Canada 2026

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Windsor
Oshawa
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Kingston
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Sudbury
ABCalgaryEdmontonRed DeerLethbridgeMedicine HatGrande PrairieFort McMurrayAirdrie
SKSaskatoonReginaPrince AlbertMoose Jaw
MBWinnipegBrandonThompson