Estimated Monthly Premium
$140
per month
Annual Premium
$1,680
per year
Premium Breakdown
Bundle auto with home insurance
Up to 15-25% discount
Most insurers offer multi-policy discounts when you combine auto and home coverage.
Install winter tires
Up to 5% discount
Ontario and Quebec mandate winter tire discounts. Other provinces may also offer them.
Increase your deductible
10-25% savings
Raising your deductible from $500 to $1,000 can significantly lower your monthly premium.
Maintain a clean driving record
Up to 40% savings
Each year without claims or tickets improves your rating, leading to lower premiums.
Use telematics / usage-based insurance
Up to 30% discount
Programs like Intact's my Drive track your driving habits and reward safe driving.
Ask about group discounts
5-15% discount
Many employers, alumni associations, and professional groups have insurance discount programs.
Base annual rates before driver-specific adjustments. Ontario consistently has the highest premiums in Canada.
| Province | Avg Annual | Avg Monthly | Relative |
|---|---|---|---|
| Ontario (You) | $1,600 | $133 | |
| Quebec | $700 | $58 | |
| British Columbia | $1,450 | $121 | |
| Alberta | $1,300 | $108 | |
| Manitoba | $1,100 | $92 | |
| Saskatchewan | $1,050 | $88 | |
| Nova Scotia | $900 | $75 | |
| New Brunswick | $850 | $71 | |
| Newfoundland and Labrador | $1,150 | $96 | |
| Prince Edward Island | $800 | $67 |
Disclaimer
This calculator provides rough estimates for educational purposes only. Actual insurance premiums depend on many factors including your specific insurer, driving history details, credit score, vehicle make/model, and where you live within a province. Always get quotes from licensed brokers or insurers for accurate pricing.
The average Canadian pays between $1,300-$1,800 per year for auto insurance. Ontario is the most expensive province at roughly $1,600/year, while Quebec is the least expensive at about $700/year due to its public auto insurance system.
Ontario has the highest auto insurance rates in Canada due to a combination of factors: high population density leading to more accidents, a generous accident benefits system, high fraud rates, and a privatized insurance market without government rate caps.
Insurance brokers represent multiple companies, which means they can comparison-shop on your behalf. On average, drivers who use a broker save 5-15% compared to going directly to a single insurer. Brokers also help identify discounts you might miss.
Yes. In Ontario, insurers are required to offer a discount of approximately 5% for using winter tires from November through April. Some insurers in other provinces offer similar discounts voluntarily.
Younger drivers (especially under 25) pay significantly more due to higher accident statistics. Rates typically decrease as you age, reaching their lowest point between ages 30-65. After 65, rates may increase slightly. The biggest drop occurs between ages 24-30.