The Insurance Bureau of Canada publishes How Cars Measure Up, relative claim-cost indexes Canadian insurers use as vehicle factors. AutoSpend shows the 2025 workbook: make, model, year, body style, and powertrain.
100 is the average vehicle in that coverage. About 70 means claims ran roughly 30% cheaper than typical; 150 means about 50% more expensive. Collision, comprehensive, DCPD, and accident benefits are cost indexes. Theft frequency is a rate and is listed separately. Composite score rules.
A blank in the workbook means too few insured vehicles in the study window (about 1,500) for IBC to publish a number. We label that insufficient data instead of filling a guess. Models that exist only in NRCan still appear for fuel lookup when you search a car.
This is not a quote. Insurers still apply driver, location, deductibles, and many other factors. Use the indexes to compare vehicles before you shop coverage.