Auto Insurance Grid Rate Calculator

The calculation of your maximum premium for basic coverage is dependent on the following factors:  
  1. Level of third party liability coverage;
  2. Where you live;
  3. Date which driver's license received – this is the date you initially received your class 5 driver's license;
  4. Length of license suspension/cancellation(s) – the total number of months that driver's licensed has been suspended, cancelled or revoked within the past 15 years;
  5. The number of at-fault claims in the last six years and of that number, how many occurred in the last three years (at-fault claims surcharge table);
  6. The number of driving convictions, which include traffic safety and serious convictions in the last three years and criminal code convictions in the last four years (conviction surcharge table).
  7. You should ask your insurance provider for your current grid step as it might be affected by claims that occurred more than six (6) years ago, which would result in a different grid step than would be developed by the calculator.
 
Date Coverage is Required:  
Third Party Liability:  
Territory:  
Date Which Driver's License Received:  
License Suspension/Cancellation(s)    (in total number of months)
Driver Training:     
At-Fault Claims within 6 Years:  
Claim 1Claim 2Claim 3More
Traffic Safety Convictions:  
 within 3 years
Serious Traffic Safety Convictions:  
 within 3 years
Criminal Convictions:  
 within 4 years
The premium calculated below includes the selected level of third party liability and accident benefits coverage.

     
Premium:
Grid Step:  
Conviction/At-Fault Claim Surcharge:  

Is There An Occasional Driver?
 
  
To calculate the premium for an occasional driver, repeat the process with the occasional driver’s information. Once the grid calculation has been completed for the occasional driver, take 25% of the occasional driver’s premium and add it to the relevant driver’s premium for the total premium.