Car insurance calculator
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What is a car insurance calculator?
Car insurance calculators are convenient tools that allow you to estimate your monthly insurance costs without having to provide any personal information, such as your email and date of birth. Its purpose is to give you an approximate idea of the range of premiums you might expect to pay, from the lowest to the highest amounts, based on your location. This is important information to have on hand before committing to a policy, as it can be used to weigh your options and ultimately, make an informed decision regarding your insurance needs and budget as a driver in Canada.
Remember, an estimate is not a quote. A quote can be accepted and purchased, forming a binding agreement. Whereas, an estimate, such as one generated by a calculator such as this, provides only an approximate cost and cannot be accepted or purchased.
What is the meaning of a car insurance estimate?
A car insurance estimate provides you with an approximate price range based on general factors like your location, rather than your exact personal details. It offers a rough idea of what your premiums might be, giving you a ballpark figure to compare when you start shopping for actual quotes or to compare your existing premium against.
Unlike a quote, which provides an exact price based on personal information you may not be ready to or have time to share, an insurance estimate is typically anonymous and quick – taking just seconds to complete – with no credit check involved.
How to get a car insurance estimate
Getting an estimate with YouSet’s car insurance calculator is quick, easy, and anonymous. Here’s what you need to do:
- Select the province you live in
- Select the city you live in (or the one closest to you)
Once you have an estimate, you can compare car insurance quotes from multiple insurers in one place and buy a policy online with YouSet. If you choose to do so, you’ll be asked more specific questions about yourself and your vehicle. Once those questions are complete, you’ll receive a quote in seconds that you can buy online, without ever having to talk to a salesperson or wait on hold.
Average price of car insurance
Regardless of whether you’re buying insurance for your home, your car, or both, insurers always want to know where you live. That’s because in urban areas, such as the GTA or Montreal, there are higher concentrations of vehicles and people, leading to increased risks of accidents, theft, and vandalism. As the risk increases, so do insurance premiums, especially when compared to more rural or suburban areas where the number of vehicles and people is reduced. In the following table, you can see the average monthly price of car insurance among YouSet users.
| Province | Cost per month | Cost per year |
| Ontario | $220 | $2,640 |
| Québec | $75 | $900 |
Factors that affect car insurance prices in Canada
In Canada, insurance companies use various factors about you and your vehicle to calculate your premium. Here is a list of the factors most commonly taken into account that can affect the price of car insurance.
- The make, model, and year of your vehicle
- How often and for what purposes you use your vehicle
- Whether you own or lease the vehicle
- Number of years you’ve held a valid driver’s license
- Traffic violations, accidents, and tickets
- Your home address
- Your birthday
- Your employment status
- Your gender
- How long you’ve maintained continuous coverage
- The number and type of claims you’ve filed, if any
While most insurers ask for similar information – such as your driving history, vehicle type, and location – the importance and weight assigned to each factor can differ. This can explain why your quote from one insurer may be higher or lower than another.
Save up to 29% on car insurance with YouSet
Knowing what others in your area are paying, both on the high and low end, for car insurance is one of the best ways to ensure you’re getting the best value for your money. If the results from this calculator have told you that you’re not currently, you might assume it will take a lot of time and effort to find a better deal.
Fortunately, that’s not the case. With YouSet, we’ll automatically compare prices from multiple insurers and apply exclusive discounts for you, so you can easily secure the best car insurance at a lower price without the hassle.
Discover more about car insurance
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