Which new cars cost the most to insure in Ontario?
Our estimates for a Toronto driver aged 35 to 59 with a clean record, 18,000 km a year, for the 183 models with real claims ratings.
The short answer
Claims history matters more than price: insurers charge for the theft, repair and injury claims each model racks up. A driver under 25 pays about 2.2 times as much.
$1,848Cheapest: Buick Encore GX
$2,607Typical model
$4,597Dearest: Land Rover Defender OCTA
Insurance a year · line = typical model, $2,607
Buick Encore GX Preferred FWD$1,848
Subaru Outback Touring$1,903
Volkswagen Taos Trendline$1,936
Chevrolet Traverse LT$1,958
Chevrolet Trax 1RS$1,958
Land Rover Defender OCTA$4,597
Cadillac Escalade ESV$4,080
Cadillac Escalade$4,047
Porsche Cayenne Coupe Electric Coupé Electric$4,014
Lexus RX Plug-in Hybrid 450h+$3,992
Cheapest to insure
| 1 | 2026 Buick Encore GX Preferred FWD | $31,349 | $1,848 | $154 |
| 2 | 2026 Subaru Outback Touring | $40,895 | $1,903 | $159 |
| 3 | 2026 Volkswagen Taos Trendline | $30,595 | $1,936 | $161 |
| 4 | 2026 Chevrolet Traverse LT | $51,799 | $1,958 | $163 |
| 5 | 2026 Chevrolet Trax 1RS | $27,049 | $1,958 | $163 |
| 6 | 2026 Volkswagen Tiguan Trendline 4MOTION | $37,495 | $1,958 | $163 |
| 7 | 2026 Buick Envision Preferred | $46,299 | $1,969 | $164 |
| 8 | 2027 Subaru Crosstrek Convenience | $30,695 | $1,980 | $165 |
| 9 | 2026 Chevrolet Colorado WT 2WD | $39,499 | $1,991 | $166 |
| 10 | 2026 Buick Envista Preferred | $29,749 | $2,013 | $168 |
| 11 | 2026 Ford Maverick XL 2.5L Hybrid Engine | $35,600 | $2,013 | $168 |
| 12 | 2026 Subaru Forester Convenience | $34,195 | $2,013 | $168 |
| 13 | 2026 Buick Enclave Preferred | $60,699 | $2,035 | $170 |
| 14 | 2026 GMC Terrain Elevation FWD | $36,199 | $2,046 | $170 |
| 15 | 2026 Subaru Impreza Convenience 5-door | $28,295 | $2,046 | $170 |
$1,848
A year
$1,903
A year
$1,936
A year
$1,958
A year
$1,958
A year
$1,958
A year
$1,969
A year
$1,980
A year
$1,991
A year
$2,013
A year
$2,013
A year
$2,013
A year
$2,035
A year
$2,046
A year
$2,046
A year
Dearest to insure
| 1 | 2027 Land Rover Defender OCTA | $179,400 | $4,597 | $383 |
| 2 | 2026 Cadillac Escalade ESV | $124,799 | $4,080 | $340 |
| 3 | 2026 Cadillac Escalade | $121,299 | $4,047 | $337 |
| 4 | 2027 Porsche Cayenne Coupe Electric Coupé Electric | $134,200 | $4,014 | $335 |
| 5 | 2027 Lexus RX Plug-in Hybrid 450h+ | $78,260 | $3,992 | $333 |
| 6 | 2026 Toyota Tundra Hybrid CrewMax Limited | $76,075 | $3,981 | $332 |
| 7 | 2027 Porsche Cayenne Electric | $131,300 | $3,981 | $332 |
| 8 | 2026 Toyota Highlander Hybrid XLE AWD | $54,835 | $3,871 | $323 |
| 9 | 2026 Hyundai Sonata Preferred-Trend AWD | $36,099 | $3,871 | $323 |
| 10 | 2026 Toyota Grand Highlander Hybrid XLE | $55,535 | $3,838 | $320 |
| 11 | 2026 Lexus RX 350 | $60,885 | $3,816 | $318 |
| 12 | 2026 Lexus RX Hybrid 350h | $63,645 | $3,772 | $314 |
| 13 | 2026 Hyundai Elantra N Manual | $40,949 | $3,717 | $310 |
| 14 | 2026 Lexus TX Hybrid 500h | $85,400 | $3,673 | $306 |
| 15 | 2026 Cadillac Lyriq Luxury RWD | $70,399 | $3,585 | $299 |
$4,597
A year
$4,080
A year
$4,047
A year
$4,014
A year
$3,992
A year
$3,981
A year
$3,981
A year
$3,871
A year
$3,871
A year
$3,838
A year
$3,816
A year
$3,772
A year
$3,717
A year
$3,673
A year
$3,585
A year
Same price, different bill
- The Lexus RX 350 and Buick Enclave Preferred are within $186 on the sticker, but the RX costs about $1,782 a year more to insure, mostly from theft and other non-collision claims.
- The Toyota Highlander Hybrid XLE AWD and Nissan Pathfinder Rock Creek 4WD are within $563 on the sticker, but the Highlander Hybrid costs about $1,683 a year more to insure.
- The Toyota Grand Highlander Hybrid XLE and Nissan Murano Dark Armor AWD 9AT are within $363 on the sticker, but the Grand Highlander Hybrid costs about $1,507 a year more to insure, mostly from theft and other non-collision claims.
- The Hyundai Elantra N Manual and Toyota Prius Plug-in Hybrid SE are within $799 on the sticker, but the Elantra N costs about $1,386 a year more to insure.
The 183 models the Insurance Bureau of Canada rates in "How Cars Measure Up" (real claims, recent model years counting most), scaled by town, age, record and distance. Models it doesn't rate yet are left out here; their cards use an estimate from price. Get real quotes before you buy.