REVIEW OF AUTOMOBILE INSURANCE RATES

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1 REVIEW OF AUTOMOBILE INSURANCE RATES 40 Canadian Cities 10 Provinces September 2003 Provincial Capitals: Auto Insurance Rates (Highest) $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 Toronto, ON Halifax, NS Edmonton, AB St. Johns, NF Fredericton, NB Charlottetown, PE Quebec City, PQ Victoria, BC Winnipeg, MB Regina, SK

2 This Consumers Association of Canada study on auto insurance rates answers the following question: How much would the same driver pay for auto insurance if they had the same vehicle, same driving record and same claims history, and lived in each of the 40 cities surveyed in this study? 2003 Consumers Association of Canada 2

3 TABLE OF CONTENTS Executive Summary OVERVIEW Study Focus Study Methodology Study Assumptions AUTO INSURANCE RATES & SYSTEMS Common Factors That Affect Rates Different Types of Auto Insurance Systems KEY FINDINGS Consumers Association of Canada 3

4 SERVICE TO CANADIAN CONSUMERS The Consumers Association of Canada is a national non-profit organization that has served the interests of consumers for over 50 years. A network of volunteer members supports the Association across Canada. In addition to its national office in Ottawa, Ontario branches of the Association are active from Nova Scotia to British Columbia and focus their work on local or regional issues. The Association provides an independent consumer voice when government and industry make decisions about products, policies or programs. The Association has worked with thousands of individual consumers in resolving disputes with product and service providers. The Association also advocates solutions to issues that are clearly in the consumer s interest even when these solutions are in conflict with Government or industry positions. Auto insurance is one of these issues. All comments, analysis, findings and conclusions in this Study are the sole responsibility of the Association. NOTE This Study and earlier releases of portions of this study may also be found at the following web site COPYRIGHT 2003 The Consumers Association of Canada copyrights this study and all its contents. Material from this study may be used for research purposes and the media may freely quote from any part of the study. This study may not be used for any commercial or other purpose without the express authorization of the Consumer s Association of Canada Consumers Association of Canada 4

5 EXECUTIVE SUMMARY Auto insurance has historically been a contentious issue across Canada. For most of 2003 consumers have expressed their displeasure with skyrocketing auto insurance rates in all provinces that have private auto insurance systems. Governments in Newfoundland, Nova Scotia, New Brunswick, Prince Edward Island, Ontario and Alberta have promised or taken initiatives to mitigate rates. At the same time, while Statistics Canada reported that rates had escalated by up to 70% in those six provinces other consumers in a province like Manitoba, with a public auto system, experienced rate increases of only 7.2%. The purpose of this study is to inform consumers about the auto insurance issue by providing an independent source of information about auto insurance rates across Canada. This study examines and compares rates in 40 cities in 10 provinces. The same different driver profiles, reflecting a cross-section of vehicle types, driver history, driver ages and gender, claims and marital status, were used in each city to illustrate how much consumers pay for auto insurance. This study answers the following important question: How much would the same driver pay for auto insurance if they had the same vehicle, same driving record and same claims history but lived in each of the 40 cities surveyed in this study? The key findings and conclusions of this study are: Finding #1 Public Auto Insurance Systems Offer The Lowest Rates For Consumers Finding #2 Toronto Consumers Pay The Highest Rates In Canada Finding #3 Winnipeg Has Lowest Rates Of Canada s Capital Cities Finding #4 Canada s Largest Cities - Toronto and Calgary Have The Highest Rates Finding #5 - Western Provinces Have Much Lower Rates Than The Maritimes Finding #6 Alberta Consumers Pay Much Higher Rates Than In Neighbouring Provinces Finding #7 - Ontario s Rates Are Much Higher Than In Western Public Auto Provinces Finding #8 - Quebec s Rates Are Much Lower Than Ontario s Rates Finding #9 Rates Are Consistent Between Canada s Public Auto Systems Finding #10 - Under Private Auto Systems, Good Young Male Drivers Pay More Than Bad Older Drivers With High Priced Vehicles 2003 Consumers Association of Canada 5

6 List of Cities Used in Study Province City Newfoundland & Labrador Corner Brook Gander Nova Scotia Prince Edward Island New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia St. John s Halifax New Glasgow Sydney Yarmouth Charlottetown Summerside Bathhurst Fredricton Moncton St. John Hull Montreal Quebec Sherbrooke Trois Rivieres Barrie London Ottawa St. Catherine s Thunder Bay Toronto Brandon Thompson Winnipeg Lloydminster Prince Albert Regina Yorkton Calgary Edmonton Ft. McMurray Lethbridge Lloydminster Nelson Penticton Prince George Vancouver Victoria 2003 Consumers Association of Canada 6

7 1.0 OVERVIEW 1.1 STUDY FOCUS The purpose of this study is to provide an independent source of information for consumers about auto insurance rates across Canada. Recently, auto insurance has emerged as a significant consumer and political issue in those provinces where rates have increased dramatically over the last year. Each province has its own system of auto insurance. Canadian consumers face a variety of systems such as: Nova Scotia s private insurer tort-based system Quebec s mixed public insurer no fault injury based system with a private insurer based vehicle damage system Ontario s private insurer threshold no-fault injury based system Manitoba s public auto based pure no-fault injury system Saskatchewan s choice model, where a consumer can purchase either tort or no-fault injury coverage under that province s public auto insurance system Irrespective of these differences consumers want to know, and this study focuses on delivering answers to a key question: How much would the same driver pay for auto insurance if they had the same vehicle, same driving record and same claims history but lived in each of the 40 cities surveyed in this study? 1.2 STUDY METHODOLOGY This study examines and compares auto insurance rates in 40 cities in 10 provinces in Canada. A total of different rating profiles is used which reflects a wide cross-section of vehicle types, families, families with multiple drivers, single parent families and singles, from young drivers to seniors, both genders, from clean driving records to not so perfect, and a variety of claims histories. In effect, this study provides a snapshot comparison of Canadian drivers Consumers Association of Canada 7

8 In the summer of 2003 the Association compiled over 7,000 auto insurance rate quotes from sources across Canada. In the case of those provinces in which private insurers provide auto insurance the study ensured that the rate quotes obtained reflected the range of prices likely to be found in those markets. In those provinces ten different rate quotes for each driver profile for each city was obtained representing those insurers that have significant market shares in those provinces. In the four provinces with public auto systems rate information was obtained directly from each public auto insurer. Auto insurance rate information was obtained from the following sources: Newfoundland and Labrador - CompuQuote* Nova Scotia - CompuQuote* Prince Edward Island - CompuQuote* New Brunswick - CompuQuote* Quebec SAAQ and CompuQuote* Ontario - CompuQuote* Manitoba - Manitoba Public Insurance Saskatchewan- Saskatchewan Government Insurance Alberta CompuQuote* British Columbia - Insurance Corporation of British Columbia * CompuQuote is an independent rate quotation service that obtains information directly from private auto insurers across Canada. 1.3 STUDY ASSUMPTIONS The following criteria were used for all rate quotes: Liability Coverage - $2 million Collision Deductible - $500 Comprehensive Deductible - $300 ($350 in Saskatchewan, $500 in Manitoba) 2003 Consumers Association of Canada 8

9 2.0 AUTO INSURANCE RATES & SYSTEMS 2.1 COMMON FACTORS THAT AFFECT RATES In both private and public auto systems there are a number of factors that directly affect how much a consumer pays for their auto insurance. These are: Vehicle make, year and model rates will be higher for more expensive vehicles Use of vehicle commuter rates will be higher Claims history the more claims the higher the insurance rate Location city locations with more crashes, theft, and vandalism will likely have higher rates Driving record the greater the number of infractions the higher the insurance rates In addition to the factors cited above private insurance systems use a number of other factors in determining rates that are not used in public auto systems. These factors are: Driver age - drivers under 25 are deemed higher risk and will pay more Gender male drivers under 25 are deemed high risk and have dramatically higher rates Marital Status single people may pay more 2.2 DIFFERENT TYPES OF AUTO INSURANCE SYSTEMS There have been competing views about the nature of auto insurance and how it should be delivered to consumers. Private auto insurance systems were the only type of insurance schemes available for many years. In response to public demands for stable rates, universal coverage and enhanced fairness Governments in four provinces have implemented publicly owned auto insurance systems. Type Of Auto Insurance System By Province Province Private Public Newfoundland & Labrador Nova Scotia Prince Edward Island New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia 2003 Consumers Association of Canada 9

10 3.0 KEY FINDINGS The key findings of this study are as follows: Finding #1 Public Auto Insurance Systems Offer The Lowest Rates For Consumers Finding #2 Toronto Consumers Pay The Highest Rates In Canada Finding #3 Winnipeg Has Lowest Rates Of Canada s Capital Cities Finding #4 Canada s Largest Cities - Toronto and Calgary Have The Highest Rates Finding #5 - Western Provinces Have Much Lower Rates Than The Maritimes Finding #6 Alberta Consumers Pay Much Higher Rates Than In Neighbouring Provinces Finding #7 - Ontario s Rates Are Much Higher Than In Western Public Auto Provinces Finding #8 - Quebec s Rates Are Much Lower Than Ontario s Rates Finding #9 Rates Are Consistent Between Canada s Public Auto Systems Finding #10 - Under Private Auto Systems, Good Young Male Drivers Pay More Than Bad Older Drivers With High Priced Vehicles 2003 Consumers Association of Canada 10

11 FINDING #1 - Public Auto Insurance Systems Offer Lowest Rates For Consumers The chart below shows the average annual rates paid by consumers in every province in Canada based on over 7,000 rate quotes obtained for this study. Auto insurance rates in British Columbia, Saskatchewan, Manitoba and Quebec, provinces with public auto insurance systems, are the lowest in Canada, in some cases dramatically lower. Comparison of Average Auto Insurance Rates by Province $2,500 $1,500 $500 BC AB SK MB ON PQ NB NS PE NF 11

12 FINDING #2 Toronto Consumers Pay The Highest Rates In Canada Consumers in Canada s largest city pay the highest average auto insurance rates in Canada. $2,500 $1,500 $ Vancouver, BC Victoria, BC Penticton, BC Prince George, BC Nelson, BC Calgary, AB Edmonton, AB Lethbridge, AB Lloydminster, AB Ft. McMurray, AB Regina, SK Prince Albert, SK Lloydminster, SK Yorkton, SK Winnipeg, MB Brandon, MB Thompson, MB Toronto, ON Ottawa, ON London, ON Thunder Bay, ON St. Catherine's, ON Barrie, ON Montreal, PQ Quebec City, PQ Trois Rivieres, PQ Sherbrooke, PQ Hull, PQ St. John, NB Moncton, NB Fredericton, NB Bathurst, NB Halifax, NS Sydney, NS New Glasgow, NS Yarmouth, NS Charlottetown, PE Summerside, PE St. Johns, NF Corner Brook, NF Average Annual Insurance Cost by City City

13 FINDING #3 Winnipeg Has Lowest Rates Of Canada s Capital Cities Rating Profile List The chart below shows a consumer's costs of obtaining insurance in each of the capital cities in ten provinces. Winnipeg has the lowest rates of Canada s capital cities. Regina followed very closely with the next lowest rates and Toronto has the highest. Rating Profile Vehicle Year Make & Model Gender Age Claim(s) or Conviction(s) $10,000 $9,000 $8,000 $7,000 Provincial Capitals: A Comparison of Median Auto Insurance Rates Winnipeg, MB Regina, SK Victoria, BC Quebec City, PQ Charlottetown, PE St. Johns, NF Fredericton, NB Edmonton, AB Halifax, NS Toronto, ON $6,000 $5, Rating Profile # Toronto, ON Halifax, NS Edmonton, AB Fredericton, NB St. Johns, NF Charlottetown, PE Quebec City, PQ Victoria, B C Regina, SK Winnipeg, M B Chrysler Intrepid Male 58 No Dodge Caravan Female 55 No Toyota 4Runner Male 58 Yes Ford Windstar Female 55 No Toyota Camry Male 48 Yes Ford Taurus Female 42 No Honda Civic Male 22 No Ford Excursion Female 45 Yes Dodge Spirit Female 22 No GMC Sonoma Female 22 Yes Mazda Protégé Female 87 Yes Saturn SL1 Male 72 No Plymouth Colt Female 38 Yes Volvo V70 Male 45 Yes Toyota Corolla Male 68 No Pontiac Sunbird Female 51 Yes Dodge Ram Male 35 Yes Jeep Cherokee Male 40 Yes Chevrolet Cavalier Female Yes GMC K1500 Female 18 No Dodge Neon Female 17 No Toyota Pickup Male 19 Yes Lexus ES 300 Female 57 Yes Vanagon Male 31 Yes Honda Odyssey Female 43 No Chevy Astro Male 51 No Suzuki Swift Female 43 No BMW 323 Male 36 Yes Mazda Miata Female 42 Yes Ford Explorer Male 55 No Chrysler New Yorker Female 70 No Ford F-150 Male 42 No Buick Park 1993 Avenue Male 75 Yes 2001 Beetle Male 27 No 13

14 FINDING #4 Canada s Largest Cities - Toronto and Calgary Have The Highest Rates The chart below shows a consumer's costs of auto insurance in five of Canada s largest cities. What differentiates the cities with the highest rates, Toronto and Calgary, from Vancouver, Winnipeg and Montreal, is the latter three cities have public auto insurance systems. $9,000 $8,000 $7,000 $6,000 $5,000 1 A Tale of Large Cities: A Comparison of Median Auto Insurance Rates 3 Winnipeg, MB Montreal, PQ Vancouver, BC Calgary, AB Toronto, ON Rating Profile # Toronto, ON Calgary, AB Vancouver, BC Montreal, PQ Winnipeg, MB Rating Profile List Rating Profile Vehicle Year Make & Model Gender Age Claim(s) or Conviction(s) Chrysler Intrepid Male 58 No Dodge Caravan Female 55 No Toyota 4Runner Male 58 Yes Ford Windstar Female 55 No Toyota Camry Male 48 Yes Ford Taurus Female 42 No Honda Civic Male 22 No Ford Excursion Female 45 Yes Dodge Spirit Female 22 No GMC Sonoma Female 22 Yes Mazda Protégé Female 87 Yes Saturn SL1 Male 72 No Plymouth Colt Female 38 Yes Volvo V70 Male 45 Yes Toyota Corolla Male 68 No Pontiac Sunbird Female 51 Yes Dodge Ram Male 35 Yes Jeep Cherokee Male 40 Yes Chevrolet Cavalier Female Yes GMC K1500 Female 18 No Dodge Neon Female 17 No Toyota Pickup Male 19 Yes Lexus ES 300 Female 57 Yes Vanagon Male 31 Yes Honda Odyssey Female 43 No Chevy Astro Male 51 No Suzuki Swift Female 43 No BMW 323 Male 36 Yes Mazda Miata Female 42 Yes Ford Explorer Male 55 No Chrysler New Yorker Female 70 No Ford F-150 Male 42 No Buick Park 1993 Avenue Male 75 Yes 2001 Beetle Male 27 No 14

15 FINDING #5 - Western Provinces Have Much Lower Rates Than The Maritimes Rating Profile List The chart below shows a consumer's costs of obtaining insurance in the four western provinces and the four maritime provinces. The three western provinces with public auto systems deliver the lowest rates for their consumers. Rating Profile Vehicle Year Make & Model Gender Age Claim(s) or Conviction(s) $7,000 $6,000 $5,000 East vs West: Median Rates for the Maritimes and the Four Western Provinces Manitoba Saskatchewan British Columbia Prince Edward Island Newfoundland New Brunswick Alberta Nova Scotia Rating Profile # Nova Scotia Alberta New Brunswick Newfoundland Prince Edward Island British Columbia Saskatchewan M anitoba Chrysler Intrepid Male 58 No Dodge Caravan Female 55 No Toyota 4Runner Male 58 Yes Ford Windstar Female 55 No Toyota Camry Male 48 Yes Ford Taurus Female 42 No Honda Civic Male 22 No Ford Excursion Female 45 Yes Dodge Spirit Female 22 No GMC Sonoma Female 22 Yes Mazda Protégé Female 87 Yes Saturn SL1 Male 72 No Plymouth Colt Female 38 Yes Volvo V70 Male 45 Yes Toyota Corolla Male 68 No Pontiac Sunbird Female 51 Yes Dodge Ram Male 35 Yes Jeep Cherokee Male 40 Yes Chevrolet Cavalier Female Yes GMC K1500 Female 18 No Dodge Neon Female 17 No Toyota Pickup Male 19 Yes Lexus ES 300 Female 57 Yes Vanagon Male 31 Yes Honda Odyssey Female 43 No Chevy Astro Male 51 No Suzuki Swift Female 43 No BMW 323 Male 36 Yes Mazda Miata Female 42 Yes Ford Explorer Male 55 No Chrysler New Yorker Female 70 No Ford F-150 Male 42 No Buick Park 1993 Avenue Male 75 Yes 2001 Beetle Male 27 No 15

16 Finding 5 continued: Halifax vs. Victoria Rating Profile List An example of two cities on each side of Canada that are comparable in size is Victoria, British Columbia and Halifax, Nova Scotia. The rates in the west coast city are much less than what consumers pay in Halifax. Rating Profile Vehicle Year Make & Model Gender Age Claim(s) or Conviction(s) $10,000 $9,000 $8,000 $7,000 $6,000 $5,000 A Comparison of Annual Auto Insurance: Victoria, BC vs the Median Rate in Halifax, NS Rating Profile # Victoria, BC Halifax, NS Chrysler Intrepid Male 58 No Dodge Caravan Female 55 No Toyota 4Runner Male 58 Yes Ford Windstar Female 55 No Toyota Camry Male 48 Yes Ford Taurus Female 42 No Honda Civic Male 22 No Ford Excursion Female 45 Yes Dodge Spirit Female 22 No GMC Sonoma Female 22 Yes Mazda Protégé Female 87 Yes Saturn SL1 Male 72 No Plymouth Colt Female 38 Yes Volvo V70 Male 45 Yes Toyota Corolla Male 68 No Pontiac Sunbird Female 51 Yes Dodge Ram Male 35 Yes Jeep Cherokee Male 40 Yes Chevrolet Cavalier Female Yes GMC K1500 Female 18 No Dodge Neon Female 17 No Toyota Pickup Male 19 Yes Lexus ES 300 Female 57 Yes Vanagon Male 31 Yes Honda Odyssey Female 43 No Chevy Astro Male 51 No Suzuki Swift Female 43 No BMW 323 Male 36 Yes Mazda Miata Female 42 Yes Ford Explorer Male 55 No Chrysler New Yorker Female 70 No Ford F-150 Male 42 No Buick Park 1993 Avenue Male 75 Yes 2001 Beetle Male 27 No 16

17 FINDING #6 Alberta Consumers Pay Much Higher Rates Than In Neighbouring Provinces Albertans enjoy many benefits from their healthy economy but low auto insurance rates are not among them. Compared to its neighbours, rates in Alberta are much higher. Rating Profile List Rating Profile Vehicle Year Make & Model Gender Age Claim(s) or Conviction(s) $7,000 $6,000 $5, Median Rates: Four Western Provinces Manitoba Saskatchewan British Columbia Alberta Rating Profile # Alberta British Columbia Saskatchewan Manitoba Chrysler Intrepid Male 58 No Dodge Caravan Female 55 No Toyota 4Runner Male 58 Yes Ford Windstar Female 55 No Toyota Camry Male 48 Yes Ford Taurus Female 42 No Honda Civic Male 22 No Ford Excursion Female 45 Yes Dodge Spirit Female 22 No GMC Sonoma Female 22 Yes Mazda Protégé Female 87 Yes Saturn SL1 Male 72 No Plymouth Colt Female 38 Yes Volvo V70 Male 45 Yes Toyota Corolla Male 68 No Pontiac Sunbird Female 51 Yes Dodge Ram Male 35 Yes Jeep Cherokee Male 40 Yes Chevrolet Cavalier Female Yes GMC K1500 Female 18 No Dodge Neon Female 17 No Toyota Pickup Male 19 Yes Lexus ES 300 Female 57 Yes Vanagon Male 31 Yes Honda Odyssey Female 43 No Chevy Astro Male 51 No Suzuki Swift Female 43 No BMW 323 Male 36 Yes Mazda Miata Female 42 Yes Ford Explorer Male 55 No Chrysler New Yorker Female 70 No Ford F-150 Male 42 No Buick Park 1993 Avenue Male 75 Yes 2001 Beetle Male 27 No 17

18 Finding 6 continued: Alberta Cities vs. Cities In Other Western Provinces Median Rates in Western Cities $7,000 $6,000 $5,000 T ho mpso n, M B B rando n, M B C algary, A B Edmo nto n, A B Lethbridge, A B Llo ydminster, A B F t. M cm urray, A B Vanco uver, B C N elso n, B C P rince Geo rge, B C P enticto n, B C Victo ria, B C Winnipeg, M B Yo rkto n, SK 1 Llo ydminster, SK P rince A lbert, SK Rating Profile # R egina, SK 18

19 Finding 6 continued: Lloydminster vs. Lloydminster Perhaps the most fascinating example in Canada of the differences in auto insurance rates exists in the City of Lloydminster. This city is unique in that the Alberta/Saskatchewan boundary divides the city into two halves with residents living on either side of the city. From the perspective of auto insurance risk the conditions faced by a driver living on the Alberta side of the street are not different than experienced by someone living on the Saskatchewan side of the same street. But what is different is that Alberta drivers pay much higher rates. $7,000 $6,000 $5, Lloydminster, AB vs. Lloydminster, SK Median Annual Auto Insurance Rates 7 9 Lloydminster, SK Rating Profile # 17 Lloydminster, AB Rating Profile List Rating Profile Vehicle Year Make & Model Gender Age Claim(s) or Conviction(s) Chrysler Intrepid Male 58 No Dodge Caravan Female 55 No Toyota 4Runner Male 58 Yes Ford Windstar Female 55 No Toyota Camry Male 48 Yes Ford Taurus Female 42 No Honda Civic Male 22 No Ford Excursion Female 45 Yes Dodge Spirit Female 22 No GMC Sonoma Female 22 Yes Mazda Protégé Female 87 Yes Saturn SL1 Male 72 No Plymouth Colt Female 38 Yes Volvo V70 Male 45 Yes Toyota Corolla Male 68 No Pontiac Sunbird Female 51 Yes Dodge Ram Male 35 Yes Jeep Cherokee Male 40 Yes Chevrolet Cavalier Female Yes GMC K1500 Female 18 No Dodge Neon Female 17 No Toyota Pickup Male 19 Yes Lexus ES 300 Female 57 Yes Vanagon Male 31 Yes Honda Odyssey Female 43 No Chevy Astro Male 51 No Suzuki Swift Female 43 No BMW 323 Male 36 Yes Mazda Miata Female 42 Yes Ford Explorer Male 55 No Chrysler New Yorker Female 70 No Ford F-150 Male 42 No Buick Park 1993 Avenue Male 75 Yes 2001 Beetle Male 27 No 19

20 FINDING #7 Ontario s Rates Are Much Higher Than In Western Public Auto Provinces Ontario s rates are much higher than those in the four western provinces, except for Alberta. Rating Profile List Rating Profile Vehicle Year Make & Model Gender Age Claim(s) or Conviction(s) $9,000 $8,000 $7,000 $6,000 $5, Ontario vs. the West (Median Rates) Manitoba Saskatchewan British Columbia Alberta Ontario Rating Profile # Ontario Alberta British Columbia Saskatchewan Manitoba Chrysler Intrepid Male 58 No Dodge Caravan Female 55 No Toyota 4Runner Male 58 Yes Ford Windstar Female 55 No Toyota Camry Male 48 Yes Ford Taurus Female 42 No Honda Civic Male 22 No Ford Excursion Female 45 Yes Dodge Spirit Female 22 No GMC Sonoma Female 22 Yes Mazda Protégé Female 87 Yes Saturn SL1 Male 72 No Plymouth Colt Female 38 Yes Volvo V70 Male 45 Yes Toyota Corolla Male 68 No Pontiac Sunbird Female 51 Yes Dodge Ram Male 35 Yes Jeep Cherokee Male 40 Yes Chevrolet Cavalier Female Yes GMC K1500 Female 18 No Dodge Neon Female 17 No Toyota Pickup Male 19 Yes Lexus ES 300 Female 57 Yes Vanagon Male 31 Yes Honda Odyssey Female 43 No Chevy Astro Male 51 No Suzuki Swift Female 43 No BMW 323 Male 36 Yes Mazda Miata Female 42 Yes Ford Explorer Male 55 No Chrysler New Yorker Female 70 No Ford F-150 Male 42 No Buick Park 1993 Avenue Male 75 Yes 2001 Beetle Male 27 No 20

21 Finding 7 continued: Ontario Cities vs. Western Cities Rating Profile List In western cities with public auto systems consumers consistently pay much less than in Ontario. Rating Profile Vehicle Year Make & Model Gender Age Claim(s) or Conviction(s) $9,000 $8,000 $7,000 $6,000 $5, Five Ontario vs. Four Western Cities (Median Rates) Rating Profile # Ottawa, ON Barrie, ON St. Catherine's, ON Thunder Bay, ON London, ON Ottaw a, ON Edmonton, AB Prince George, BC Regina, SK Brandon, MB Chrysler Intrepid Male 58 No Dodge Caravan Female 55 No Toyota 4Runner Male 58 Yes Ford Windstar Female 55 No Toyota Camry Male 48 Yes Ford Taurus Female 42 No Honda Civic Male 22 No Ford Excursion Female 45 Yes Dodge Spirit Female 22 No GMC Sonoma Female 22 Yes Mazda Protégé Female 87 Yes Saturn SL1 Male 72 No Plymouth Colt Female 38 Yes Volvo V70 Male 45 Yes Toyota Corolla Male 68 No Pontiac Sunbird Female 51 Yes Dodge Ram Male 35 Yes Jeep Cherokee Male 40 Yes Chevrolet Cavalier Female Yes GMC K1500 Female 18 No Dodge Neon Female 17 No Toyota Pickup Male 19 Yes Lexus ES 300 Female 57 Yes Vanagon Male 31 Yes Honda Odyssey Female 43 No Chevy Astro Male 51 No Suzuki Swift Female 43 No BMW 323 Male 36 Yes Mazda Miata Female 42 Yes Ford Explorer Male 55 No Chrysler New Yorker Female 70 No Ford F-150 Male 42 No Buick Park 1993 Avenue Male 75 Yes 2001 Beetle Male 27 No 21

22 Finding 7 continued: Toronto vs. Vancouver Rating Profile List Both Toronto and Vancouver are large metropolitan areas with millions of vehicles and congested traffic conditions, yet rates in Vancouver are lower, in some cases by thousands of dollars per year. Rating Profile Vehicle Year Make & Model Gender Age Claim(s) or Conviction(s) $9,000 $8,000 $7,000 $6,000 $5, Toronto vs. Vancouver (Median Rates) Vancouver, BC Toronto, ON Rating Profile # Toronto, ON Vancouver, BC Chrysler Intrepid Male 58 No Dodge Caravan Female 55 No Toyota 4Runner Male 58 Yes Ford Windstar Female 55 No Toyota Camry Male 48 Yes Ford Taurus Female 42 No Honda Civic Male 22 No Ford Excursion Female 45 Yes Dodge Spirit Female 22 No GMC Sonoma Female 22 Yes Mazda Protégé Female 87 Yes Saturn SL1 Male 72 No Plymouth Colt Female 38 Yes Volvo V70 Male 45 Yes Toyota Corolla Male 68 No Pontiac Sunbird Female 51 Yes Dodge Ram Male 35 Yes Jeep Cherokee Male 40 Yes Chevrolet Cavalier Female Yes GMC K1500 Female 18 No Dodge Neon Female 17 No Toyota Pickup Male 19 Yes Lexus ES 300 Female 57 Yes Vanagon Male 31 Yes Honda Odyssey Female 43 No Chevy Astro Male 51 No Suzuki Swift Female 43 No BMW 323 Male 36 Yes Mazda Miata Female 42 Yes Ford Explorer Male 55 No Chrysler New Yorker Female 70 No Ford F-150 Male 42 No Buick Park 1993 Avenue Male 75 Yes 2001 Beetle Male 27 No 22

23 FINDING #8 Quebec s Rates Are Much Lower Than Ontario s Rates Rating Profile List There is a significant difference in rates between Quebec, with a public auto injury system operating a No Fault scheme, and Ontario, in which private insurers operate its No Fault scheme. Rating Profile Vehicle Year Make & Model Gender Age Claim(s) or Conviction(s) $9,000 $8,000 $7,000 $6,000 $5, Toronto vs. Montreal (Median Rates) Rating Profile # Montreal, PQ Toronto, ON Toronto, ON Montreal, PQ Chrysler Intrepid Male 58 No Dodge Caravan Female 55 No Toyota 4Runner Male 58 Yes Ford Windstar Female 55 No Toyota Camry Male 48 Yes Ford Taurus Female 42 No Honda Civic Male 22 No Ford Excursion Female 45 Yes Dodge Spirit Female 22 No GMC Sonoma Female 22 Yes Mazda Protégé Female 87 Yes Saturn SL1 Male 72 No Plymouth Colt Female 38 Yes Volvo V70 Male 45 Yes Toyota Corolla Male 68 No Pontiac Sunbird Female 51 Yes Dodge Ram Male 35 Yes Jeep Cherokee Male 40 Yes Chevrolet Cavalier Female Yes GMC K1500 Female 18 No Dodge Neon Female 17 No Toyota Pickup Male 19 Yes Lexus ES 300 Female 57 Yes Vanagon Male 31 Yes Honda Odyssey Female 43 No Chevy Astro Male 51 No Suzuki Swift Female 43 No BMW 323 Male 36 Yes Mazda Miata Female 42 Yes Ford Explorer Male 55 No Chrysler New Yorker Female 70 No Ford F-150 Male 42 No Buick Park 1993 Avenue Male 75 Yes 2001 Beetle Male 27 No 23

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