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Car Insurance Calculator

What is a car insurance calculator?

Using a car insurance calculator is an easy way to get an estimate of how much your coverage may cost and help you choose a provider. It allows you to quickly get multiple quotes from the top insurers in Canada at the same time.

To use our auto insurance cost calculator simply provide some basic details about you, your car, driving habits and insurance history. You’ll be able to see multiple estimates and coverage options at once. Using our calcular is quick and it's free to use.

Find the best rates with a car insurance calculator

Calculate and compare car insurance quotes in just a couple of minutes.

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1) Begin

Enter your postal code and some basic information.

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2) Driving and vehicle info

Provide your driving and vehicle information.

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3) Compare

Get quotes from the leading companies in Canada.

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Choose the best quote and speak with our experts to get insured.

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Why use a car insurance calculator?

Woman using a calculator

Using a calculator is a good way to time to find prices from multiple insurers at the same to help you save. Here are some reasons to use a calculator to check premiums:

  • Rates can change every month.
  • Get estimates from multiple companies at the same time.
  • Choosing the wrong coverage could leave you without important protection.
  • Your needs may have changed so you may be able to save.
  • You will have peace of mind in knowing you are saving money.

How to use our car insurance calculator

Using our calculator is easy! Just complete a few simple steps and see free quotes from the leading providers in Canada.

Tell us a little bit about you

Begin by providing us with your contact information, postal code, and the date when you want your policy to start.

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Who is the primary driver? Tell us about your driving habits

Provide information about the primary driver such as their age, gender, and marital status. Tell us about your driving experience, and how long you have been insured. Then let us know about your driving record such as tickets, accidents, and suspensions.

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Tell us about your vehicle

Provide us with information about your vehicle year, make and model. Let us know if you own, finance or lease. Then let us know how you use your vehicle and how much you drive such as your daily commute.

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Apply your discounts

Let us know about the insurance discounts that apply to you. We’ll ensure you take advantage of all eligible discounts for even more savings. Depending on your situation, you could save 20% or more on discounts alone.

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Choose your coverage

Adjust your coverage and deductible amounts to a level you are comfortable with. Your selection will affect the price.

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Check rates and save!

Choose from a list of providers. Choose the plan and price that best meets your needs.

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Call us to get insured

Speak with an advisor to secure your price and buy your policy.

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When to use an auto insurance calculator

Here are some of the main situations when you can use a calculator to check your rates:

  • You are buying or leasing a vehicle: Know the coverage costs of a vehicle before you agree to a purchase or lease agreement.
  • Renewal: Things change. Determining how much you will pay can help you assess your options before you renew.
  • Updates: Making changes to your personal information, the car your drive or your coverage will impact your estimate.
  • When you add or remve a driver: The number of drivers, a driver’s licensing level (G1, G2, G), and driving history of the individuals listed can have a significant impact on on your policy.
  • When you move: The city and postal code you live in is a key factor for pricing.
  • When your social status changes: Retirement, marriage, a new job, buying a home, and other factors affect your budget.

Tips for saving with a car insurance calculator

Image of smart phones with car insurance calculations

Getting the most out of a car insurance calculator is important. It ensures that your estimates are as accurate as possible. Here are some tips to follow the get better estimates with our calculator:

  • Gather your driving information: Gathering your current plan, vehicle and driving details will help you save time and get a precise quote. Don’t forget about family members and make sure they are added as well.
  • Deductibles: Determine the amount for your deductibles that are comfortable with and the type of coverage you want to be included (basic or full). Make sure you have the same amounts each time to ensure you are comparing the same information.
  • Discounts: There are many discounts offered by each provider such as bundling, multi-vehicle, winter tires and many more. Make sure you select the ones that apply so you get a lower price.

Consider all the variables when choosing your policy to make sure you are getting good value.

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How is car insurance calculated?

An insurance company uses many factors when calculating your auto insurance rates.

  1. Experience behind the wheel: Driving experience is a key factor. Experienced drivers are less likely to be in a collision compared to novice drivers. How long have you been driving? What level of graduated licence do you have?
  2. Your age, gender, marital status: Insurers consider personal information such as your age, gender,, and marital status. Why? New drivers have less experience. Younger drivers, males, and single people are more likely to engage in risky driving. They are more likely to be a crash and get tickets. Studies show that women are less likely to be in accidents.
  3. Driving record: A clean driving record can make a huge difference in how much you pay. Do you have recent tickets or claims? Accidents, traffic violations, and claims will increase your insurance. The amount you pay will decrease when tickets are removed after 3 more years.
  4. Vehicle you drive: What do you have – SUV or a sedan? How old is It? Do you have a new vehicle? Is it a common target for thieves? Does it have a good safety rating? The vehicle you drive, its MSRP, features, repairs, and vehicle type can result in higher premiums.
  5. How you drive and use your vehicle: Do you use your car to drive to work? How many kilometres do you drive per year? Do you use your vehicle for business? If you drive occasionally, you may qualify for a low kilometre discount. Insurers consider the length of your daily commute, how you use your vehicle and how many kilometres you drive annually.
  6. Where you live: Location, location, location. It can matter just as much for insurance as it does for real estate. If your neighbourhood has higher statistics for car theft and crashes you will likely pay more. City, neighbourhood, and even postal code matter.
  7. Amount of coverage: All policies must include the minimum amount of coverage required by law. In Ontario, third-party liability, statutory accident benefits and uninsured automobile are mandatory. All provinces have basic coverage requirements. You can then choose optional coverage for more protection. Adjusting your deductible amount for collision coverage or comprehensive coverage will affect costs.
  8. Your claims and insurance history : Your history as an insured driver matters. Gaps, payment issues, or too many at fault claims will impact your ability to be insured. It will also increase your payments. So, it is an important consideration to keep in mind.

What cannot be used when calculating auto insurance?

Here are the factors that cannot be used:

  • Not at-fault accidents
  • Credit history
  • Employment status
  • If your automobile is owned or leased
  • Length of time at current residence

Car insurance calculator FAQs

An insurance calculator is only as correct as the information you provide. If you leave sections blank or do not enter correct data, your quote will not be accurate. It’s recommended you gather what you need, such as your driver’s license, vehicle information, and driving history before using one.

There is often a misconception that car insurance calculators cost money to use or you need to commit to something to get access to them.

Using our calculator is 100% free.

No, you need to use your personal information. Your address, age, gender, license details and driving history are all used to determine car insurance in Ontario.

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Save with our auto insurance calculator

Start a quote online and compare your options with the top providers in Canada. Or you can call us and we'll quickly check rates to help you save money on your policy.

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