How this works
Real data, plain words
AutoSpend is a free lookup. We gather official data about each car and explain what it means for you. It's research, not an insurance quote.
What each number means
Fuel cost per year
What you'd spend on gas or electricity driving 20,000 km a year at recent average Canadian prices. It's an estimate; on a car's page you can change the km and prices to match your own.
Source: NRCan fuel ratings × average pricesEfficiency grade
A letter from A to F comparing the car with others of the same type from its model year: gas with gas, hybrid with hybrid, plug-in with plug-in, electric with electric. A second, smaller grade compares it with every car on sale today. How the grades work
Source: NRCan Fuel Consumption GuideInsurance grade
A letter from A to F for how cheap the car is to insure compared with other models of the same year in your province, based on what insurers have paid out on each model. It compares cars, not drivers. Not a quote. How the grades work
Source: FSRA, AIRB, GAA, GISA, IBCInsurance claims
How much insurers have paid out on this model compared with a typical car. 100 is typical; 70 means about 30% less, 150 means 50% more. Lower usually means cheaper insurance, but your record, city and coverage matter more. It is not a quote.
Source: IBC How Cars Measure UpTheft risk
How often this model is stolen compared with a typical car, from insurance theft claims. High-theft cars can cost more to insure, and insurers may ask about anti-theft devices.
Source: IBC How Cars Measure UpCrash rating and driver assist
Stars from U.S. government crash tests: 5 is best. Driver assist shows whether features like automatic emergency braking were standard, optional or not offered. We match the same model year only and say so when there's no data.
Source: NHTSA 5-Star Safety RatingsRecalls and complaints
Safety recalls and owner complaints filed for that model and year. Dealers fix recalls for free, so on a used car, ask whether the work was done. Popular cars collect more complaints simply because more are on the road.
Source: NHTSA recalls and complaints (U.S.)Awards
Safety and best-car awards matched to the exact model and year, with any conditions (like specific headlights) shown on the car's page.
Source: IIHS, AJAC Canadian Car of the Year, NRCanTop cars lists
The most efficient models each year: overall, best EV, best hybrid, best gasoline, lowest CO₂, and the best in each size class. Each model appears once, and ties share a rank.
Source: NRCan Fuel Consumption GuideHow the grades work
Every grade uses the same scale: the share of comparable models this car beats.
- ATop 20%
- BNext 20%
- CMiddle 20%
- DNext 20%
- FBottom 20%
Fuel efficiency
The big letter compares like with like: a gas car against other gas cars from its model year, a hybrid against hybrids, a plug-in hybrid against plug-ins, an electric car against electric cars. That answers “is this a good one of its kind?” Diesel counts with gas, since there are too few diesel models to grade on their own.
The smaller grade compares it with every car on sale today, electric included. That answers “how does it stack up against what I could buy now?” Electric cars use far less energy, so most gas cars land at C or below here.
Example: a 2022 Honda Civic hatchback is A (top 1% of 2022 gas cars) and B against every 2026 model.
Energy use is NRCan's combined rating, with electricity converted to litres so every type shares one scale. Plug-in hybrids blend their electric and gas use by how much driving their electric range typically covers (the SAE J2841 utility factor): about half for 30 km of range, about 80% for 80 km. When a type had fewer than 10 models that year, only the overall grade shows.
Insurance
The letter compares the car with other models of the same year in your province: A is cheaper to insure than at least 80% of them. It depends only on the car, so it holds whoever is driving.
We don't show a price. Your age, record and address move a real quote far more than the car does, so any single number would mislead. Behind the grade, we estimate a typical driver's full-coverage premium for each model from the province's average and the model's claim history, and rank the models. Models with no claim history aren't graded.
Average car insurance by province
The starting point for every estimate. Premiums change every few months, so each official average is brought forward to today using that province's recent yearly change, or its approved rate changes.
| Province | Today (est.) | Last published |
|---|---|---|
| Ontario | $2,335 | $2,218 12 months to June 2026 |
| Alberta | $2,079 | $1,903 2025 |
| Saskatchewan | $1,583 | $1,545 2024 |
| British Columbia | $1,519older figure | $1,519 2024 |
| Nova Scotia | $1,496 | $1,302 2024 |
| Newfoundland and Labrador | $1,430 | $1,359 2024 |
| New Brunswick | $1,361 | $1,208 2024 |
| Quebec | $1,264 | $1,133 2025 |
| Manitoba | $1,261 | $1,186 2024 |
| Prince Edward Island | $1,134 | $1,018 2024 |
Sources: FSRA (Ontario), Alberta Insurance Rate Board, GAA and SAAQ (Quebec), SGI and Manitoba's Public Utilities Board (approved rate changes), and GISA data via the AIRB's provincial comparison. British Columbia isn't moved forward: only one year of comparable change is published. Figures last checked 2026-10-14.
Ontario by region (3 regions)
| Greater Toronto Area | $3,019 |
|---|---|
| Other urban Ontario | $2,243 |
| Rural Ontario | $1,885 |
Quebec by region (21 regions)
| Northern Quebec | $1,828 |
|---|---|
| Montreal (Centre and East) | $1,555 |
| Montreal (West) | $1,505 |
| Laval | $1,405 |
| Outaouais | $1,328 |
| Côte-Nord | $1,297 |
| Laurentides | $1,265 |
| Quebec City (urban community) | $1,261 |
| Lanaudière | $1,259 |
| Montérégie (Montreal suburbs) | $1,255 |
| Abitibi-Témiscamingue | $1,201 |
| Saguenay–Lac-Saint-Jean | $1,187 |
| Chaudière-Appalaches (Quebec City suburbs) | $1,181 |
| Estrie | $1,180 |
| Gaspésie–Îles-de-la-Madeleine | $1,169 |
| Quebec City area (outside urban community) | $1,161 |
| Montérégie (other) | $1,153 |
| Mauricie | $1,119 |
| Central Quebec | $1,085 |
| Chaudière-Appalaches (other) | $1,081 |
| Bas-Saint-Laurent | $1,045 |
Where the data comes from
- U.S. EPA fuel economy (fueleconomy.gov)US mode: mpg, MPGe, EV range and CO₂ for every model since 1984. US fuel prices from the EIA.
- FSRA (Ontario regulator)Average premiums for Ontario and its regions, updated every few months.
- Alberta Insurance Rate BoardAlberta's average premium, how a premium splits by coverage, and a comparison of every province.
- GAA (Quebec)Quebec's average premium by region, from the insurers' statistical plan.
- Natural Resources CanadaFuel Consumption Guide: fuel use, CO₂, EV range and vehicle class for every model since 1995.
- Facility AssociationCLEAR rate groups and the value table used when a car has no claim index. Optional physical damage stops at $1,000,000.
- Insurance Bureau of CanadaHow Cars Measure Up 2026: claim costs and theft, compared with a typical car.
- NHTSA (U.S.)5-Star crash ratings, driver-assist equipment, recalls and owner complaints.
- IIHS (U.S.)Top Safety Pick and Top Safety Pick+ awards, 2006 to today.
- AJACCanadian Car, Utility, Green and Electric Vehicle of the Year winners.
Good to know
- Nothing here is an insurance quote. Your premium depends mostly on you.
- Fuel figures are lab ratings. Real-world use, especially in winter, is usually higher.
- Crash ratings, recalls and IIHS awards are U.S. data for the same model; Canadian versions are usually the same car.
- New models can take a while to appear, and some cars are only in one source. When a figure is missing, the page says so. Cars IBC has no claim history for are priced from a Facility Association rate group and an approximate list price, and labeled that way.
In the US: switch to US in the menu for EPA ratings in mpg and miles, with yearly fuel costs at 15,000 miles and current EIA prices (regular $4.35/gal, electricity 18.2¢/kWh). There's no free per-model insurance claims data for the US, so a US car shows the Canadian insurance grade of the same model when we have one, labelled “Canadian data”. Prices differ between the countries, but which cars cost more to insure is usually similar.
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