How Cars Measure Up
We do the homework to help you understand how your car’s make and model affect your insurance premiums.
Do you know how a car’s information and insurance claims data affect your insurance?
The make, model, year, value and potential cost to repair your car all impact the cost of your insurance. To help you make an informed decision when buying or leasing a vehicle, we work with insurers to gather and analyze data every year on the number and cost of various insurance claims for the most popular Canadian cars, passenger vans, SUVs and pickup trucks.
How claims affect the cost of auto coverage
The cost to insure a car is subject to change for many reasons, for example:
Some vehicles are more susceptible to theft than others
Some cars may be better designed, include more safety features or are less likely to sustain serious damage due to a collision
Some vehicles are less expensive to repair
Some cars fare better than others in collisions, resulting in fewer injuries and minimal car damage
The car’s replacement value depreciates over time
See how your car measures up for lower insurance premiums
This comprehensive ranking of claims data shows you how the most popular types of cars, passenger vans, SUVs, trucks and wagons are rated for insurance premiums. Check out how different types of cars are rated and see how yours compares. This year’s edition includes results for 2003 through 2021 models, and results are based on at least 1,500 of each of the models insured between 2016 and 2021.
Choosing a car that ranks better in its claims ranking can potentially add up to less expensive insurance premiums.
How to use How Cars Measure Up
You can sort How Cars Measure Up data for the following types of coverage claims:
Collision claims statistics across Canada
Comprehensive claims statistics (Comp) across Canada, including theft
Direct Compensation Property Damage (DCPD) across Canada
Accident Benefits (AB), Ontario only
You can also sort data by vehicle information such as:
For additional information on car ratings, contact your insurance representative.
What the ratings mean
When it comes to how cars measure up in these tables, the lower the result in each relative claim cost index, the better the rating. To make it easier to read the tables, we consider “100” to be an average rating in any category. So, if the result you’re looking at is “122” that means it’s 22% above average. A result of 87 is 13% below average. Remember, lower ratings are better.
We’ve also made it a bit easier to scan the table by colour coding the rankings:
Green indicates a result of less than 81 (19% below average)
Yellow indicates a result of between 81 and 120
Red indicates a result of more than 120 (20% above average)
White or no colour indicates less than 1,500 vehicles were insured during the defined period, so there’s not enough data to report on that particular vehicle.
Understanding how a car measures up can help save you money
It’s important to research your options and look for a car insurance company 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.
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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.
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