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What factors affect the cost of my auto insurance?

Insurers base your premiums on how likely it is you'll be in an accident. They use a lot of factors to get a realistic and fair estimate:

  • How long you and other drivers listed in the policy have been driving
  • How long each of the drivers has been continuously insured
  • Insurance claim history
  • Whether the vehicle is used for work or pleasure, and whether it's driven to work or school
  • Where you drive
  • How far you drive


They also take into account the make and model of the car you drive.

And yes, in some parts of Canada, your age, gender and marital status make a difference too.

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