Car Insurance Estimator
Estimate annual car insurance costs by province and driver profile.
2026 Tax YearData stays on your deviceUpdated Apr 1, 2026
Estimated Annual Premium
$1,778.40
$148.20/month
Provincial Average
$1,900.00
Monthly
$148.20
Average Premiums by Province
| ON | $1,900.00/yr | $158.33/mo |
| BC | $1,680.00/yr | $140.00/mo |
| AB | $1,600.00/yr | $133.33/mo |
| MB | $1,400.00/yr | $116.67/mo |
| SK | $1,350.00/yr | $112.50/mo |
| NT | $1,300.00/yr | $108.33/mo |
| NU | $1,300.00/yr | $108.33/mo |
| NL | $1,200.00/yr | $100.00/mo |
| YT | $1,100.00/yr | $91.67/mo |
| NS | $1,050.00/yr | $87.50/mo |
| NB | $950.00/yr | $79.17/mo |
| PE | $900.00/yr | $75.00/mo |
| QC | $750.00/yr | $62.50/mo |
Frequently Asked Questions
Why is Ontario so expensive?
Ontario has the highest auto insurance premiums in Canada due to high accident rates, fraud, and generous injury benefits. Average is ~$1,900/yr vs ~$750 in Quebec.
Public vs private insurance?
BC (ICBC), SK (SGI), MB (MPI), and QC (SAAQ for injury) have public auto insurance. Other provinces use private insurers, which generally means more competition but varying prices.
Official Data Sources
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Built and reviewed by Konstantin Iakovlev · Data from CRA, CMHC, Bank of Canada · MethodologyDisclaimer: This calculator provides estimates based on publicly available data from CRA and other government sources. It does not constitute financial advice. Consult a qualified advisor for decisions about your specific situation.
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