Auto Insurance Rate Changes in Ontario
In the spirit of transparency, we have designed a simple calculator below that is created using publicly available rate approval data from the Financial Services Regulatory Authority in Ontario.
Click on an insurer below to find out the total percentage of rate increases or decreases they’ve had in your specified time period. We also went a step further to list which insurers have had less increases in the same time period. Enjoy!
FSRA Rate Approval Calculator
*It is important to note that just because an insurers rate has increased or decreased, it may not reflect your individual actual rate change during this period. Insurance rates are recalculated periodically and can increase and decrease as risk factors of drivers change.
Our Recent Studies
November 26, 2025
Rising household debt, high housing costs, and slower asset growth are leaving many families significantly underinsured across the country. Read on to learn more.
October 28, 2025
MyChoice reveals which Ontario cities have the highest and lowest shares of drivers with speeding tickets, and explores how infractions impact insurance premiums.
September 23, 2025
Wildfires are driving up home insurance costs in Canada. In some cities, premiums now account for up to 19% of mortgage payments. Read on to learn more.