Get an accurate Auto quote
Step 1 of 4Estimates only; final premiums are subject to underwriting.
Province / region
Your car
Make / model / year is the #1 auto rating factor — same driver pays 2-3× more for a 911 than a Civic.
Profile
Age, sex and driving years are the three biggest personal rating factors. Defaults: 30 / male / 10 years.
Free estimate · No lead capture, no obligation. Estimates are informational only; final premiums are subject to underwriting.
Auto insurance in Canada, province by province
The same car and the same driver can cost twice as much in Brampton as in Ottawa, and a public system (ICBC, SGI, MPI) is not comparable to a private-market premium. Compare inside your own province before you judge a price.
What drives your auto premium
- Province and city — ICBC territory, Ontario’s 44-city risk table, Alberta’s 22-carrier average.
- Driving experience and age — the price curve is U-shaped: youngest and oldest drivers pay most.
- Vehicle — repair cost, theft rate and safety rating. A luxury trim can cost 30% more than the base model.
- Claims and tickets — at-fault claims and convictions stay on your record for about six years in most provinces.
- Liability limit and deductible — Ontario’s legal minimum is $200k, but $1M–$2M is the practical floor once you own assets.
Coverage you should actually have
- Third-party liability of $1M–$2M — the cheapest line item that protects everything you own.
- Collision and comprehensive for a financed or leased car; on an older paid-off car, run the math against its value.
- Direct compensation (DCPD) in Ontario, and uninsured/underinsured motorist cover — the part that pays when the other driver has no insurance.
Four ways to cut your auto premium
Winter tires
Most Ontario and Alberta carriers discount 5–10% with proof of winter tires fitted in the qualifying window.
Raise the deductible
$1,000 to $2,000 on collision is usually worth 8–12% and is far easier to absorb than most people assume.
Usage-based pricing
Low-annual-mileage and telematics programs suit people who drive under 12,000 km a year; check whether the data also supports a rate increase.
Bundle with home or tenant
A multi-policy discount usually beats a standalone auto rebate — but verify the bundle against two separate best quotes first.
Auto insurance questions
How much does a G2 driver pay in Ontario?
A G2 driver with no record commonly sees $3,500–6,000 a year, versus roughly $1,900 for a clean 35-year-old. Adding a licensed parent as an occasional driver is the single biggest lever.
Do I lose my claims-free discount if I switch insurers?
No. Ask your current insurer for a claims experience letter and the new carrier will normally credit the same number of claims-free years.
Should I report a small claim?
Often not. Compare the payout with the discount you would lose over the next 3–6 years; a $700 repair can cost more than $1,500 in future premiums.
Can I quote with a BC address and an Ontario licence?
Yes, but the premium follows the vehicle’s principal location, not the licence. Moving province means re-registering the vehicle, and in BC that means ICBC basic plus optional cover.
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Ontario, BC, Alberta, Saskatchewan and Manitoba are all priced with the 2026 rate pack — no credit check.
Insurance figures reviewed October 2026. Estimates only; final premiums are subject to underwriting.