Auto Insurance Grid Rate Calculator


The Grid rating program was developed to establish the maximum premium that insurance companies can charge for basic coverage (third party liability and accident benefits). Insurance companies must compare a driver's premium under their current rating program to a driver's premium calculated for Grid and charge the lesser of the two premiums. Most drivers (approximately 94%) do not pay Grid premiums.

This page will assist you in calculating your Grid premium and provide further information on how the Grid rating program operates.

Grid Premium for Basic Coverage

  • Grid applies only to basic coverage premiums (third party liability & accident benefits); additional coverage (collision, all perils, comprehensive and specified perils) is based on your insurance company’s rates.
  • Approximately 6% of drivers are rated on Grid.
  • Less experienced drivers are often capped by Grid.
  • As drivers gain experience and drive without claims and convictions, their premiums decrease.
  • Inexperienced drivers (a driver who has less than 8 years driving experience) with driver training start at 10% below the entry level (Grid step -2).
  • Each year without an at-fault claim in third party liability coverage, the driver receives a further 5% to a maximum 50% reduction to the base premium (Grid step 0).
  • Each at-fault claim moves the driver 5 steps up the Grid.
  • Convictions and at-fault claims result in surcharges on premium.

Consumer Disclaimers for the Calculator

  1. The premium calculated is dependent on the validity of the information entered. In order for an insurance company to calculate your premium on the Grid accurately, they will use the information on your driver's abstract and from other insurance companies.

  2. In most circumstances, the insurers are required by the Automobile Insurance Premiums Regulation to charge the lesser of following two premiums for basic coverage for a private passenger vehicle:

    • the premium determined in accordance with your insurance company’s premium, and
    • the grid premium.
    However, in the circumstances listed below, insurers are allowed to charge the Grid premium even if the premium determined by the insurer’s rating program is lower:

    • the driver had 3 or more at-fault claims during the preceding 6 years;
    • the driver had a combination of 5 or more serious or traffic safety convictions in the preceding 3 years;
    • the driver had one or more criminal code convictions in the preceding 3 years;
    • the driver had 2 or more serious traffic safety convictions in the preceding 3 years;
    • the driver was convicted of one or more offenses for fraud relating to automobile insurance in the previous 10 years.
  3. If you are concerned about the validity of the premium charged by your insurance company, you should contact your agent or broker. If further resolution is required, you may contact the complaint liaison officer for your insurance company. for your insurance company.

  4. Information entered through the website is not tracked or collected.

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