Auto insurance estimate

A Car Insurance Calculator Can Help You Save!

At ThinkInsure, we know you value your time, and you don’t want to spend hours and hours comparing car insurance rates. Going from insurance company to insurance company takes up a lot of time, and you’ve got better things to do with your time than shop for insurance.

We also know that you want to get the best car insurance rates possible. This is why we’ve made it easy for you to compare car insurance rates and coverage options using our car insurance calculator.

With ThinkInsure, you’ll save time and money on your insurance rates. Sounds like a win-win proposition to us!

To get started, all you need to do is enter your personal information, tell us a little about your vehicle and driving habits, and we’ll compare auto insurance rates from the top insurance companies, so you can save money and get the car insurance coverage you need for your vehicle. The best part is that using our insurance calculator is easy, and it’s 100% free to use.

Benefits Of Using An Online Car Insurance Calculator

Simply allowing your car insurance coverage to renew year after year without exploring your options could cost you – and it could cost you more money than you think. Your car insurance rates could change from year to year, making it extremely important to compare your options, assess your coverage needs, and see what the market has to offer.

Usage Based Car Insurance
Car Insurance Questions
Car Insurance News
Car Insurance Tips

Taking a few minutes out of your day to get an estimate could save you more than you think. Here are some of the benefits of using a car insurance calculator when comparing your insurance options :


  • You only have to fill out your information once to assess rates from dozens of insurance companies.
  • You fill out your information, and we will do the insurance shopping for you.
  • We’ll find you the best insurance rates based on the information you provide.
  • You could save money – some extra cash never hurt anyone!
  • It helps you get a better idea of your total costs to own and drive a car.
  • You ensure you are getting the best rates each time you renew your auto insurance policy.
  • It’s quick, easy, and most importantly, it’s FREE!


Failure to get a car insurance estimate annually could cost you money. Saving a little money on your insurance rates each month can add up quickly. Considering it only takes a few minutes to fill out your information, it’s time well spent.

Compare car insurance quotes to get the lowest rates in Ontario

With more drivers than in any other province in Canada, Ontario roads get a workout. They also wind their way through a diverse set of landscapes, like the urban jungle of Toronto and the rolling vineyards of Niagara. As the province’s licence plate says, Ontario really is «Yours to Discover.» But before you get behind the wheel in Ontario, you’ll need a great auto insurance policy for your vehicle.

Comparison sites allow you to find the cheapest auto insurance in whatever city and province you live in — just like that. As you start your search, it’s important to understand how auto insurance works in Ontario and how to get the best policy at the lowest price. Below you’ll find tips and information about driving in Ontario that’ll help you shop for an auto insurance policy.

How do car insurance comparison sites work?

We ask you for your driver info, then we use those details to generate and rank your quotes from the top car insurers across Ontario. Once you select your quote, you can call one of our insurance brokers directly. They’ll help you lock in your rate with the insurer and get set up with your new policy.

The entire process takes only minutes. Not only will you save time and money – you’ll also have the satisfaction of knowing you got the cheapest car insurance rate available. Comparison sites allow Ontario drivers to quickly and accurately find the best auto insurance quotes from all the top insurers.

Who sets auto insurance rates in Ontario?

In the province of Ontario, auto insurance rates are set by individual insurers and then reviewed and approved by the Superintendent of Financial Services and the Financial Services Commission of Ontario.

What factors determine auto insurance rates in Ontario?

Insurers evaluate a variety of factors before they calculate your auto insurance rate. The following variables are used to determine your insurance rate in the province:

  • Your driving experience
  • Your driving record
  • Your age and gender
  • Where you drive
  • The type of vehicle you drive
  • How you use your vehicle
  • How much coverage you need

How do Ontario auto insurance rates
compare to other provinces?

Unfortunately, Ontario auto insurance premiums are the highest in Canada. Why? Many experts point to high fraud rates and higher than average traffic on Ontario roads.

Why are auto insurance rates so high in Ontario?

Experts say rampant fraud is the main reason cheap auto insurance is so hard to come by in Ontario. Strict mandatory minimum liability regulations and generous accident benefits laws are a couple other factors that contribute to Ontario’s high rates.

Will auto insurance rates in Ontario go down anytime soon?

Yes. Slowly but surely, rates are going down. In 2013, the Ontario government promised to put downward pressure on auto insurance rates across the province, and since then, average rates dropped by 8.35%. However, rates continue to creep upward despite this overall trend. According to the Financial Services Commission of Ontario, average auto insurance rates increased by 1.50% in the third quarter of 2016. Nearly a dozen auto insurers were approved for rate increases, many of which were 5% or higher. Of course, these are all average figures, and many Ontario drivers will still see rate reductions. Among users, rates actually dropped 9% between 2015 and 2016.

How can I get cheap auto insurance in Ontario?

There are many ways to get cheap car insurance in Ontario. Here’s what you can do:

  • Compare quotes online
  • Pay premiums on time
  • Choose the right insurance coverage
  • Complete a certified driver training program
  • Insure all your vehicles with the same company
  • Use winter tires (insurers offer discounts)
  • Bundle your home insurance with your auto insurance
  • Maintain a good driving history (always drive carefully and obey the rules of the road)

Is auto insurance required in Ontario?

Yes. By law, all Ontario drivers must carry insurance for their vehicle.

What’s the minimum requirement for auto insurance in Ontario?

Ontarians are required to carry $200,000 in third-party liability insurance for their vehicles. Without the minimum amount of coverage, drivers can’t register their automobiles.

Drivers in Ontario are also required to buy direct compensation property damage (DCPD) coverage. DCPD covers your vehicle damages if another driver is found at fault for the accident. Even if someone else damages your car, you collect benefits from your own insurer.

What kind of auto insurance system does Ontario have?

Ontario operates under a no-fault insurance system. Your insurer pays for your damages and the other driver’s insurer pays for theirs.

In addition to vehicle repairs and property damage, what else will my auto insurance policy cover?

If you have an automobile accident in Ontario, regardless of who’s at-fault, your liability coverage provides these supplementary benefits:

  • Income replacement: 70% of gross wages to a maximum of $400 per week
  • Benefit to disabled non-earners: $185/week for 104 weeks
  • Medical, rehabilitation, and attendant care: up to $65,000 for non-catastrophic injuries or up to $1 million for catastrophic injuries
  • Funeral expenses: up to $6,000
  • Payment to survivors of a person who’s killed:minimum of $25,000 to spouse and $10,000 to dependants
  • Other expenses

What are the penalties for driving without insurance in Ontario?

Motorists convicted of driving without insurance in Ontario must pay a fine ranging from $5,000 to $25,000 for their first offence. Second offence fines range from $10,000 to $50,000, and your driver’s licence may be suspended for up to a year.

If you’re convicted of driving without the minimum auto insurance coverage required by law, you’ll be identified as «high risk». You’ll likely face higher auto insurance rates in the future, and your vehicle may be impounded.

What’s the minimum legal driving age in Ontario?

You can begin the licensing process in Ontario when you turn 16. To get a learner’s licence (G1) in Ontario, you have to pass a written rules of the road knowledge test and a vision test. When you pass these tests, you get your G1 licence. But once you get behind the wheel, you must be accompanied by a fully licensed driver whose blood alcohol content (BAC) is less than 0.05, and your own BAC must be 0.

How do I get a probationary licence (G2) in Ontario?

After you hold your G1 licence for 12 months, or 8 months with the completion of a driver’s education course, you have to pass an advanced road test to earn your probationary licence (G2). Drivers with a G2 licence cannot drive between 12:00 AM and 5:00 AM or on high-speed expressways (including 400-series highways). And they must maintain a BAC of 0.

How do I get a full licence in Ontario?

Once you’ve had your G2 licence for 12 months, you can take your final road test, which usually includes driving on a four-lane highway. If you pass, you get your full licence (called a G). Just remember: you have to renew your G license every 5 years, and Ontario drivers have to maintain a BAC of 0 until they turn 22.

Is ride-sharing insurance available in Ontario?

Yes. Ontario was the first province to approve an insurance policy for ride-sharing. So if you drive for a ride-sharing service like Uber, make sure you get the right coverage. Ride-sharing insurance is absolutely essential to keep your customers, your vehicle, and yourself protected in case something happens while you’re on the road.

Is usage-based insurance available in Ontario?

Yes. Ontario was one of the first jurisdictions in Canada to approve usage-based car insurance policies, and drivers in the province can take advantage of this new type of insurance plan to dramatically lower their premiums.

There’s a lot you can do to ensure that you’re getting the best price for your auto insurance:

  1. Shop around — Rates often change. In Ontario, rate changes are approved every 3 months. Sometimes a few insurers change their rates, but other times dozens do.
  2. Increase your deductibles — Save five to 10 per cent by increasing your deductibles to $1,000 if they’re currently sitting at $500.
  3. Pay your premiums all at once — Pay your premiums annually, instead of monthly, to avoid administrative fees that often come with monthly payments.
  4. Bundle your policies — Save five to 15 per cent when you buy your home insurance from the same company that covers your car.
  5. Insure all vehicles, together — If you have more than one set of wheels, save up to 10 to 20 per cent by insuring them on the same policy.
  6. Change your tires seasonally — In Ontario, if you have—and install—winter tires, you will qualify for a discount of up to five per cent.
  7. Review your policy annually — Each year, review your optional coverages. If they’re no longer needed, this is one way to shave off some costs.
  8. Ask about discounts — There are oodles of discounts. Ask your provider about the ones they offer. You never know what you might find.
  9. School’s cool — Encourage young drivers to take driver’s training. The insurance savings typically offsets the cost of the course, in the first year.

Car Insurance in Alberta, Canada

Car insurance, once a luxury or option to drivers and car owners, is now mandatory in both the United States and Canada. Canadian residents living in a few provinces, such as Saskatchewan, British Columbia, Quebec and Manitoba, can utilize public auto insurance systems for their car insurance needs. Residents in Alberta and various other provinces have the choice to purchase private car insurance. To learn some important facts about car insurance in Alberta, Canada, continue reading.

What Types of Alberta Car Insurance is Available?

In recent years, there have been changes made regarding Alberta car insurance. These changes are not only regarding the prices that can be charged but also the type of coverage required in this province. Therefore, there are various types of car insurance available in Alberta. In addition to the mandatory insurance coverage, which covers property damage, death, injuries and liability, drivers can also purchase collision and comprehensive coverage.

Collision coverage provides coverage for damages to your vehicle if it’s involved in a collision. Comprehensive coverage will pay for damages to your car from vandalism, theft or other acts of God. To make this simpler, the main types of car insurance coverages are:

1 Liability

2 Accident Benefits/Bodily Injury aka AB/BI

3 Comprehensive

4 Collision

Alberta car insurance is available for cars, trucks, motorcycles and other motorized vehicles. It’s also available as private or commercial auto insurance. With so many auto insurance companies in Alberta, drivers and residents are assured there is a policy out there to meet all their needs.

Main Features of a Good Auto Insurance Policy

When purchasing auto insurance, it’s more than just getting the cheapest policy on the market. To be a good auto insurance policy, it should offer the type of coverage we need at an affordable price. It should also cover, at the very least, the minimum requirements set by Alberta laws. The following is a list of mandatory Alberta car insurance coverages.

Compulsory minimum third-party liability — Up to $200,000 per accident. There is a maximum of $10,000 for property damage if a claim involves both property damage and bodily injury.

Medical payments — Up to $50,000 per person per accident with a limit of two years. For chiropractic care, massage therapy and acupuncture, the limits are $750, $250 and $250 respectively.

Funeral expense — Up to $5,000

Death benefits — $10,000 for head of household plus $2,000 to each surviving dependent after the first survivor, plus up to $15,000 for first survivor and $4,000 for each other survivor; $10,000 for the death of the spouse of the head of the household and up to $400 for family grief counseling

Disability income benefits — Disabled individual shall receive 80% of his or her gross weekly earnings (maximum of $400 per week) for up to 104 weeks if totally disabled. The non-earner, which must be at least 18 years old, shall receive up to $135 per week for up to 26 weeks.

Benefits for pain and suffering lawsuits — Maximum award is $4,504.

Impairment benefits — none

Right to sue for no-fault or loss of income benefits — No

Drivers living in Alberta who are involved in accidents in Quebec, Saskatchewan and Manitoba can receive benefits from their own insurance carriers that would be equivalent in they were living in these provinces.

When searching for a company that offers a good auto insurance policy, there are other things to look or In addition to adequate coverage and good premiums. You want a company that meets your specific insurance needs, whether they’re private, public or commercial. They should also provide good customer service, convenient hours of operation and a suitable location. You may also want to check on what type of payment plan options they can offer.

What Factors Affect Your Car Insurance Premiums?

I mentioned above that there have been recent changes to the way Alberta auto insurance companies can do business. One of these changes is that no one can be denied auto insurance, regardless of how bad their driving record may be. However, drivers in this group may also be charged the maximum amount in premiums, although it depends on the discretion of the insurer.

Another change is that since ‘bad drivers’ are being insured along with good drivers, they may not be paying as high as they should and good drivers may be paying slightly higher premiums than they should. On a bright note, the government has been duly working with insurance companies in an attempt to see to it that good drivers are not feeling like they’re being penalized with high premiums.

There are other factors that affect your car premiums other than your driving and accident records.

1. At-Fault Accidents — If you’ve been in an accident in the past six years in which you were at fault, your premiums may increase.

2. Age — Young drivers are typically charged higher premiums because they’re at greater risk of being in an accident and making a claim.

3. Discounts — Most insurance companies offer discounts for multiple vehicles, anti-theft devices in vehicle, hybrid vehicles or if they use this company for both their car and home insurance.

4. Driver training — Newly licenced drivers who have completed a driver training program may see lower premiums.

5. Driving convictions — The better your driving record is, the lower your premiums are going to be. When you have driving convictions, your premiums may be based on if the conviction was for a minor, major or criminal infraction.

6. Gender — Females generally pay lower premiums because they’re involved in few collisions.

7. Insurance coverage lapse — Your premium may be affected if you were without auto insurance for two or more years.

8. Licence suspension — Depending on how long your licence was suspended; your premium may be affected.

9. Coverage limits & deductibles — The amount of coverage you choose, as well as the deductible, will play a part in how much you pay for premiums.

10. Location — Where you live can affect your premiums. Drivers living in the city typically pay higher premiums than those living in rural areas.

11. Marital status — Marital status can play a part in determining premiums, especially for those under the age of 25.

12. Type of vehicle — Yes, it’s true that you’ll probably pay higher premiums if you drive a sports car than a family sedan. Particular makes and models may also be charged higher premiums if they have a history of requiring repairs or needing expensive parts.

13. Vehicle use — A driver who only uses his vehicle occasionally will pay lower premiums than one who puts on a lot of miles each day.

14. Years driving — The more years you’ve been driving, the lower your premiums if you continue to have a good driving record.

Things to be Aware of when Comparing Car Insurance Companies in Alberta

In the same way that we comparison shop when purchasing appliances, clothing and food, we should also comparison shop when purchasing car insurance. It’s often been said that your insurance is only as good as its coverage. One of the most important things to be aware of when comparing car insurance companies in Alberta is that what they are offering or quoting actually meets the legal requirements set by this province.

In addition to meeting the legal requirements, it should also meet the needs of your pocketbook. Do not just look at what’s the cheapest. Look at what’s the most economical for the coverage it’s providing. Although we all like to think we’ll never get in an accident, the sad and harsh truth is that it happens every day and, if it happens to you or your family, you want to be adequately covered.

An advantage to there being so many insurance companies in Alberta is that it’s fairly easy to find a competitive rate. The Insurance Bureau of Canada (IBC) has also made many recent changes to how insurance companies can do business in an attempt to keep premiums down and make auto insurance more affordable to Alberta residents.

Consumers contemplating purchasing car insurance can utilize an Alberta car insurance calculator to help determine what their premiums may be based on different coverages. These calculators, which are also used by Alberta auto insurance agents, can be found on many of the insurance companies’ websites. This makes it easier, more convenient and less time-consuming than making numerous phone calls or visits to the many Alberta car insurance companies.

Who Are the Major Players in the Car Insurance Market in Alberta, Canada?

Like in most areas, some companies seem to almost ‘control’ the market in specific areas. When it comes to car insurance in Alberta, Canada, or almost any place in Canada, one will always here certain names. One of the most commonly referred to companies is Intact Financial. Formerly known as the ING Group, Intact Financial is the leading provider of home, business and auto insurance in Canada. In fact, it carries approximately 17 percent of the Canadian market, while covering the public, private and commercial vehicle market.

Although Intact Financial is a major player in the car insurance market in Canada, there are currently about 70 insurance companies available to Alberta residents in need of car insurance, according to the IBC. The IBC is also available to keep consumers aware of changes in the laws regarding Alberta auto insurance and the various Alberta car insurance companies.

The Easy Way to Save Money on Ontario Car Insurance

Our car insurance Ontario calculator is a free, easy-to-use tool that helps you find the best auto insurers and estimate auto insurance prices for your specific needs. Available online, the tool compares rates of companies in the area, delivering the results your way. It’s never been so easy to compare auto insurance rates!

Most drivers use the calculator before purchasing a policy, and if getting the best of the best is important to you, taking the same step is important. Drivers who use an auto insurance estimator enjoy a plethora of benefits, save money on their auto insurance coverage, and sleep better at night with an added peace of mind that other drivers lack.


You aren’t wasting time when using the insurance calculator. Many drivers use the calculator because they know it helps them discover the best pricing for the auto insurance they need. It is beneficial for you to take the 5-minutes to use the calculator when shopping for auto insurance. The benefits of using the auto insurance calculator include:

  1. Use the calculator any time, 24 hours per day, 7 days per week
  2. Calculator is free and easy-to-use
  3. Save time, as the estimator takes care of the hard work
  4. Learn more about the various auto insurers in Ontario
  5. Save hassle, since the information needed is provided on one page
  6. Get the best prices for the auto insurance you need
  7. Gain confidence and peace of mind



Using an auto insurance calculator is a task anyone can handle. It’s very simple to use the tool. In fact, if you can use a keyboard, you can use the car insurance calculator, tool.

To use the tool, start by providing a few pieces of information about yourself and your driving habits. Information like name, address, and driving history are details that you need to provide to use the calculator. Once this information is provided, you’ll get a list of auto insurers in the area who have policies that work for your needs. There are several insurance company names and prices provided. It is easy to use this information to further inquire about the policies each company offers. What’s important is that the auto insurance calculator divulges the information that you need, when you need it.


Whether you’re driving the busy roads on Toronto, basking in the beauty of Wine Country, or enjoying nature at its best in Niagara Falls, getting the best rates for auto insurance coverage is important. No one has a money tree growing in their backyard, and as such, must maintain budgets, even for their auto insurance coverage. The auto insurance calculator ensures that you aren’t without the coverage that you need while helping you discover the best companies and rates in town.

Car insurance calculators make finding the coverage you need simple and affordable. The calculators are available on your computer or mobile device, ready to use any time of the day or the night. It has never been easier to get the best policy from the best company at the best price, and delaying use of the Ontario car insurance calculator is never a good idea.


These tips are simple to implement into the auto insurance buying process and further ease using the auto insurance calculator. Be sure to use these tips to your advantage when searching for the best auto insurance in town.

  1. Gather Information: Social security number, driving history information, and current auto insurance information are among the items necessary to use an auto insurance calculator. Having these items on-hand reduces stress and helps complete the process quickly.
  2. Price is Only One Factor: Price is important when selecting auto insurance. We all have budgets to maintain. However, opting for a cut-rate policy can be determinate should the unthinkable happen. Never purchase an auto insurance policy based on price alone. Instead, look for a company with experience, a good reputation, exceptional customer service, and other meaningful qualities.
  3. Know Your Needs: There are many insurance policy types and coverage amounts available. Set a budget and understand your needs before attempting to purchase a policy. Knowing your needs simplifies using the auto insurance calculator and ensures that you get accurate rates for your policy request.

Insure Your Car, Truck or Motorcycle Through Johnson

How we provide access to coverage† is as important as what we cover.

  • 24/7 Claims service – If you’ve got a claim, we’re here to help all day, every day
  • First accident forgiveness – Accidents happen. Depending on your driving record, your premium may be maintained after a first accident
  • AIR MILES® — Earn 1 AIR MILES reward mile for every $20 in premium paid, including taxes

Protecting Your Budget

Johnson saves you money, by providing access to discounts for the following.

  • Bundling (auto and home)
  • Multiple vehicle discounts
  • Safe drivers
  • Groups like associations, employers and academic institutions

Protecting Your Auto or Home Through Johnson Means More

You get some special conveniences, on top of savings.

  • A Members Only website
  • Fast track claims service
  • Flexible payment choices

Why Use a Car Insurance Calculator?

Most people don’t shop for car insurance on a regular basis. Some items you buy — like groceries or clothes — are things you need all the time. Because you shop for them weekly or monthly, you have a good idea of what constitutes a fair price. As an experienced consumer, you don’t need to comparison shop to know you’re getting a great deal. You’re an expert.

But car insurance is different. It’s a product you may only buy once every few years — and, depending on how long you own the same car, maybe even longer than that. Furthermore, you may not know what kind of coverage you’re legally required to carry versus which extras might be nice to have.

When you use the My Insurance Broker car insurance calculator, you get access to car insurance quotes from the top car insurance companies in Canada. In just two minutes, you can view side by side quotes from multiple insurers so you can compare rates and coverage.

You could get estimates on your own from multiple insurers, but this is a slow, time-consuming process. Furthermore, different insurers base their prices on different criteria, which can be confusing to navigate. This is where a car insurance calculator makes sense. Instead of scouring the websites of dozens of different car insurance companies, trying to track down prices using multiple sets of parameters, you get all the information you need in one convenient location. It’s the best way to make an informed decision about car insurance.

Ultimately, a car insurance calculate helps you save time and money — two things any consumer could use more of.

Why you need Auto Insurance

The main purpose of auto insurance is to protect you in the event of an accident, whether or not you’re responsible. In Canada, certain coverages are mandatory for all drivers. If you drive without basic insurance and are stopped by the police, you’ll be fined. Also, if you have an accident and damage someone else’s property or injure someone, you’ll have to pay for the damage yourself.

Coverage adapted to your needs

Scotia Auto Insurance offers you coverage to protect your vehicle. In addition, you’re automatically protected against damage for which you may be held responsible, thanks to liability coverage. This coverage protects you if:

  • you damage someone’s personal property
  • someone is injured or passes away in an accident

Depending on your province of residence, by law, you’re required to have a minimum liability insurance limit. However, most people opt for $1 million or $2 million. In addition to the minimum coverage required in each province, you can customize your insurance to suit your needs by adding or removing optional coverages.

Switch at your convenience

We realize you may have existing coverage. However, let us explain the benefits you’ll receive by switching your coverage to Scotia Auto Insurance. Call us at 1-866-989-4742 to learn more about how we can help.

Even the savviest car shoppers often forget to estimate car insurance costs before buying.

The type of car you drive is one of the key variables car insurance companies plug into their formulas to determine how much to charge you. Depending on the vehicle, the cost of car insurance can vary by hundreds of dollars a year for the same driver.

That’s why it pays to get some initial car insurance quotes for models you’re thinking about buying. Along with gas mileage and maintenance costs, car insurance premiums are an important consideration when calculating the long-term cost of owning a car.

Why some cars cost more (or less) to insure than others

Insurance companies charge varying premiums for different car models. Here are some of the vehicle characteristics that affect the cost of insurance:

  • Retail price — Generally, the pricier the car, the more expensive it will be to insure. Assuming you buy comprehensive and collision coverage, the insurance company will be on the hook to pay out the car’s market value if the vehicle is stolen or wrecked beyond repair.
  • Cost of parts — High-end models such as sports cars often use parts made from carbon fiber and other specialized materials that are expensive to repair, which drives up the cost of damage claims.
  • Safety — Over time, cars that do a good job of protecting drivers and their passengers bring down insurance costs. Fewer injuries means fewer claims for medical payments and personal injury protection.
  • Typical driver — Vehicles that tend to attract safe drivers — think minivans — are generally cheaper to insure. Safer driving means fewer wrecks, which translates into fewer claims for injuries and property damage.

How to get car insurance estimates

In your search for a car, follow these steps for estimating the cost of car insurance.

  • Narrow down your top choices for vehicles.
  • Decide how much coverage you need. If you’re buying a new car, include collision and comprehensive, which cover damage or loss of the vehicle. Your lender will require you to carry them if you finance the car. If you’re buying a used car with cash, you may not need collision and comprehensive.
  • Get quotes for the same amount of coverage for the vehicles you’re thinking about buying. NerdWallet’s car insurance comparison tool can help you get started. You don’t have to provide personal information to get initial estimates.
  • Average the three lowest quotes to estimate the cost of insurance for each vehicle.
  • Factor in the cost of car insurance to help you make a final choice. If you can afford a Porsche 911, you probably don’t have to worry about a few hundred dollars’ difference in premiums. However, it’s still a good idea to know how much car insurance will cost.

Shop around for coverage

Do some comparison shopping when you’re ready to buy insurance. Compare car insurance quotes, and look for a company with a good reputation for customer service. Here are four large companies to consider, along with some offerings that may interest car buyers. (Note: Discounts may not be eligible to be combined.)


Allstate offers a 30% new car discount for the first two years you own a new vehicle. Other vehicle discounts include:

  • Passive restraint: Up to 30% off if the car came from the factory with airbags and motorized seatbelts
  • Anti-lock brakes: 10% off
  • Anti-theft device: Up to 10% off
  • Utility: Up to 15% off for a utility vehicle with a model year of 2002 and prior
  • Farm vehicle: Up to 10% when the vehicle is used primarily for farm or ranch work

Saskatchewan operates a mandatory vehicle registration and insurance program.

Changes to auto insurance rates for light vehicles are effective May 20, 2018. The 2018 rate changes page has more information.

The Saskatchewan Auto Fund operates on a self-sustaining basis. Unlike private insurance companies, we do not need to generate a profit — which means you pay less for your auto insurance.

The Auto Fund’s philosophy is that all drivers should be treated equally unless their driving records show they are a greater risk for causing a collision. That means we don’t use a driver’s age, gender or where they live to determine a cost for their auto insurance. Because we exclude these factors we keep our auto insurance rates affordable for all Saskatchewan drivers.

Use our basic plate calculator to see what it would cost to insure a specific vehicle.

Annual rate changes

Rates for light vehicles (private passenger vehicles, light farm vehicles, light commercial trucks) are adjusted annually to match updates to the Canadian Loss Experience Automobile Rating (CLEAR) damage rate group table.

The CLEAR system looks at each type of vehicle (make, model, year) based on expected number of claims and cost per claim, as well as the probability the vehicle will be stolen. A lower risk of claim means lower rates; a higher risk of claim means higher rates.

It’s used by auto insurers across Canada and, in most other jurisdictions, rates for light vehicles are adjusted annually to match updates to the table.

Safe Driver Recognition (SDR) program

Our SDR program rewards safe drivers in the Safety Zone with a discount on their basic vehicle insurance and ensures that drivers who demonstrate risky driving behaviours pay a financial penalty. Drivers with at-fault collisions and more serious traffic convictions are assessed demerit points that move them towards the Penalty Zone. Once they’re in the Penalty Zone they’re also assessed a corresponding financial penalty for each incident they’re involved in.

If you’re in the market for a new (or new-to-you) car, you have a lot of financial factors to balance. How much car can you afford? What’s the gas mileage? Will it need a lot of repairs? Along with answering these questions, you should find out how much it will cost to insure the make(s) and model(s) you’re shopping for.

Though it almost always costs more to insure a new (or newer) car than your current model, there can be wide variations in insurance rates by car, even competing models of the same model year. Before you buy, seek out an insurance estimate for each car you have in mind, just to be sure the cost doesn’t change your decision.

Note: For a quick and anonymous way to test your options, run NerdWallet’s Car Insurance Estimator Tool. Just plug in your ZIP code, as well as the year, make, model, and style of one of the vehicles, and you’ll find estimates for a number of companies offering policies in your area.

Consider the value
Price is obviously an important factor in your decision, but it’s not the only factor. Once you’ve gathered car insurance estimates, eliminate the companies that are out of your price range, but don’t automatically choose the cheapest. Maybe a company with a more expensive policy for your particular car also has a feature that would be useful, and is worth the extra cash.

Know the risks of the road

Accidents happen to even the most careful drivers. That’s why you have to take great care in selecting your insurance. You know the best protection starts with having an insurance broker who will evaluate your needs, help you understand the options available to you and match you with the right coverage at a competitive price.

That broker should also be skilled in managing all of your service needs, including changes to policies, claims and coverage inquires.

Your goal is simple: the right coverage at the best price. It happens to be our goal, too. And at renewal time, we will let you know if there is a better option for you. If there is, we will help you make a worry-free transition to new coverage.

We work with you to ensure that you have appropriate protection with regard to:

  • Liability limits
  • Uninsured and underinsured motorist coverage
  • Agreed value coverage
  • Replacement vehicle coverage
  • Rental car coverage
  • Worldwide liability coverage
  • Electronic equipment
  • Full glass coverage
  • Towing and labour