)
How Cars Measure Up
We do the homework to help you understand how your car’s make and model affect your insurance premiums.
The make, model, year, value, and potential repair costs of your vehicle all impact your insurance premiums.
See how your car measures up:
Make
Model
Model Year
Body Style
Power Type
Make
Model
Model Year
Body Style
Power Type
Latest edition: How Cars Measure Up, 2025 - Excel (English | French)
IBC’s How Cars Measure Up (HCMU) online tool helps drivers make informed decisions when buying or leasing a vehicle. It analyzes the frequency and cost of insurance claims for Canada’s most popular vehicles and provides a ranking to show how each vehicle measures up.
How do insurance claims affect the cost of my insurance?
Insurers may consider who is driving the vehicle (i.e., the driver’s history) as well as the specific vehicle they are insuring when writing and pricing an auto policy.
While there are many factors that impact the cost of insurance premiums, typically, the less likely your car is to be stolen, damaged or in a collision, as well the less expensive it is to repair, the less you will pay to insure it.
To learn more about the factors that determine insurance rates, visit How Auto Insurance Rates are Set.
How to use How Cars Measure Up
You can search and sort vehicles by:
Make
Model
Model Year
Body Style
Power Type
You can also download and sort the HCMU dataset by Types of Coverage claims:
Collision claims statistics across Canada
Comprehensive claims statistics (COMP) across Canada
Direct Compensation Property Damage (DCPD) across Canada
Accident Benefits (AB), Ontario only
Relative theft frequency across Canada
“How Cars Measure Up” includes results for 1997–2025 models, each with a minimum of 1,500 vehicles insured between 2019 and 2024. The information is based entirely on actual insurance claims data collected from the majority of auto insurance companies nationwide.
If you have questions about your insurance rates, contact your insurance representative.
Understanding how a car measures up can help save you money
It’s important to research your options and look for an auto insurance provider that will give you the coverage, price and value you need. Depending on where you live (for example, in provinces with public auto insurance) you may be required to purchase insurance directly from the government.
Private insurance companies offer many types of auto insurance policies and compete based on price, coverage and service. An insurance representative can help you find the best options and value.
To learn more about public and private insurers, visit How to Buy Insurance.
Disclaimer: The content and information provided by the How Cars Measure Up (HCMU) service are for general informational purposes only. As the user of this service, you are solely responsible for any actions, decisions, or outcomes resulting from your use of the information provided. IBC makes no guarantees or warranties, express or implied, regarding the accuracy or completeness of the information presented via this service.
You might also be interested
Understanding CLEAR
Most auto insurance companies use the Canadian Loss Experience Automobile Rating (CLEAR) system to rate vehicles based on their safety equipment and the cost to repair or replace them. See how this impacts your car insurance premium.
What to know about a Vehicle Identification Number
A vehicle's VIN is like a fingerprint that tells you the vehicle's history and identifying features. Looking at the history of a used vehicle before you buy it can help you be more confident about your purchase.
How auto insurance works
Everything you need to know about auto insurance, from how rates are set and what coverage you need to where to get it and what to do when you need it.
)
)
)