docAUTO INSURANCE RATE COMPARISON STUDY 17 Cities In Four
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AUTO INSURANCE RATE COMPARISON STUDY 17 Cities In Four
AUTO INSURANCE RATE COMPARISON STUDY Release #3 17 Cities In Four Western Provinces Manitoba Saskatchewan Alberta British Columbia For further information contact: Mr. Bruce Cran (604) 454-7827 For consumers who wish to tell us their personal story with auto insurance, or for related press releases and studies, please go to www.CACBC.com. 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 purpose without the express authorization of the Consumer’s Association of Canada. PURPOSE Consumers across Canada are very concerned about auto insurance rates. Auto insurance is a unique and complex consumer product. How much a consumer pays for an insurance policy differs significantly across Canada. Consumers want to know, and this report answers, the following question: How much would the same driver pay for auto insurance if they had the same vehicle, same driver record and identical claims history but lived in each of the cities included in this report? This report provides an independent source of information for consumers on auto insurance rates in 17 cities in the four western provinces. The report contains information from a comprehensive national study on auto insurance rates that is being conducted by the Consumers’ Association of Canada. The entire study will be released later in the summer of 2003. Data From the Following Cities Is Included In This Report Manitoba Brandon Thompson Winnipeg Saskatchewan Lloydminster Prince Albert Regina Yorkton Alberta Calgary Edmonton Ft. McMurray Lethbridge Lloydminster British Columbia Nelson Penticton Prince George Vancouver Victoria SCOPE OF THIS REPORT 1. This particular report focuses on the four western provinces - Manitoba, Saskatchewan, Alberta and British Columbia. 2. The report uses data obtained directly from industry sources and all rate quotes are as of the period July 2 – 11th, 2003. 3. For each city a total of 34 rating profiles were used to provide a wide cross-sectional analysis of vehicle types, gender, location, age, driving history and claims records. 4. For each of the 34 rating profiles a total of ten rate quotes were obtained for each city in Alberta. For the other three provinces that operate public auto systems only one rate quote was required for each profile for each city. 5. The following criteria were used for all rate quotes: • Liability Coverage - $2 million • Collision Deductible - $500 • Comprehensive Deductible - $300 (Manitoba quotes - $500) REPORT HIGHLIGHTS 1. Alberta consumers pay on average about twice as much for auto insurance than consumers in the other three western provinces with public auto insurance systems. 2. A consumer in Lloydminster, Alberta could pay up to $8,980 more annually for auto insurance than if they lived literally across the street in Lloydminster, Saskatchewan. 3. A driver in Winnipeg could pay up to $9,080 less for auto insurance than if they lived in Edmonton, a comparable sized city with similar prairie-like driving conditions. 4. In Alberta older drivers who drive newer, much more expensive cars, and who have driving convictions, pay up to $2,430 less annually for auto insurance than young drivers with clean driving records. In the three public auto provinces, where rates are based on a driver’s record, a young good driver pays less than a bad older driver. 1995 1996 1992 1998 1999 1994 1992 2000 1990 1995 1991 1997 1994 2000 2002 1992 1997 1990 1996 1985 1998 1992 2003 1966 2000 2002 1996 1999 1996 1997 1988 1997 1993 2001 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 Male Female Male Female Male Female Male Female Male Male Male Female Female Female Female Male Female Female Male Male Female Male Female Female Male Female Male Female Female Female Male Female Male Female Female Male Male Female Male Female Male Female Female Male Male Male 58 55 58 55 48 47 27 42 48 17 22 45 22 22 87 72 77 38 18 45 40 68 66 51 35 32 40 33 18 17 19 57 31 30 43 51 25 27 36 42 55 50 70 42 75 27 Financial Broker Homemaker Manager Homemaker Accountant Homemaker Student Veterinarian Homemaker Student Cook First Aid Instructor Student Furniture Repair Retired Retired Retired Retail Sales Student Retail Proprietor Retail Proprietor Retired Retired P/T Student, Retail Construction Retail Sales P/T Student, Pizza Delivery Office Manager Student Student Labourer Bus. Owner Sales Self-Employed Homemaker Business Owner Welder Child Care Worker Web Designer Nurse Supervisor Sales Clerk Retired Foreman Retired Engineering Technologist Primary Use Gender Age Occupation Chrysler Intrepid Business Dodge Caravan Pleasure Toyota 4Runner 4DR Business Ford Windstar 3.0L Pleasure Toyota Camry Business Occasional Driver of Above Vehicle Occasional Driver of Above Vehicle Ford Taurus LX Wagon Pleasure Occasional Driver of Above Vehicle Occasional Driver of Above Vehicle Honda Civic DX Hatchback Business Ford Excursion Business Dodge Spirit Business GMC Sonoma SLS Business Mazda 4DR Protégé Pleasure Saturn SL1 Pleasure Occasional Driver of Above Vehicle Pleasure Plymouth Colt Business Occasional Driver of Above Vehicle Volvo V70 XC AWD SE Business Occasional Driver of Above Vehicle Toyota Corolla Pleasure Occasional Driver of Above Vehicle Pontiac Sunbird GT Business Dodge Ram Club Cab Business Occasional Driver of Above Vehicle Jeep Cherokee Pioneer Business Chevrolet Cavalier Business GMC K1500 Pickup 4x4 Business Dodge Neon Business Toyota Pickup SR5 4x4 Business Lexus ES 300 Business Volkswagen Vanagon GL Camper Business Occasional Driver of Above Vehicle Honda Odyssey EX Pleasure Chevy Astro Cargo Van Business Suzuki Swift Pleasure Occasional Driver of Above Vehicle (3) BMW 323 Business Mazda Miata Business Ford Explorer Business Occasional Driver of Above Vehicle Chrysler New Yorker Pleasure Ford F-150 1/2 Tonne Truck Business Buick Park Avenue 4DR Pleasure Volkswagen Beetle Business Rating Profile Vehicle Year Make and Model Rating Profile List 480 420 480 420 384 312 12 312 384 12 72 192 72 72 744 384 168 264 24 180 40 600 540 252 228 120 264 96 1 12 24 444 144 48 312 396 60 36 228 288 408 372 612 300 660 132 Collision (8) Minor Conviction (12) Comp (36), Collision (85) 2 Minor Convictions (12 & 24) 2 Minor Convictions (12 & 24) Collision (12) Collision (12) Major Conviction (18) Collision (12), Criminal Code (12) Comprehensive Claim (12) 3 Comprehensive (6 & 12 & 18) Collision (18) Collision (18) 2 Minor Convictions (3 & 8) Collision (18) Comp (24) 2 Minor (17 & 36) Minor Conviction (1) Minor Conviction (11) Collision (12) Claims and Convictions (w/ MONTHS licensed number of months ago) $- $200 $400 $600 $800 $1,000 $1,200 $1,400 $1,600 $1,800 $2,000 British Columbia $1,105 Alberta $1,853 Saskatchewan $904 $787 Manitoba Average Annual Auto Insurance Rate by Province 19 21 23 Rating Profile # 25 27 29 31 33 2001 17 34 15 1993 13 33 11 1988 1997 9 31 32 7 1966 2000 2002 1996 1999 1996 1997 24 25 26 27 28 29 30 $1,000 31 43 51 43 36 42 55 33 18 17 19 57 58 55 48 42 22 45 22 22 87 72 38 45 68 51 35 40 Male Male 27 75 Female 70 Male 42 Male Female Male Female Male Female Male Female Female Female Male Female Male Female Male Female Male Female Female Female Female Male Female Male Male Female Male Male No Yes No No Yes No No No Yes Yes No Yes No No Yes Yes Yes No Yes No No Yes No Yes Yes No Yes Yes No Yes Yes Yes Toyota 4Runner Ford Windstar Toyota Camry Ford Taurus Honda Civic Ford Excursion Dodge Spirit GMC Sonoma Mazda Protégé Saturn SL1 Plymouth Colt Volvo V70 Toyota Corolla Pontiac Sunbird Dodge Ram Jeep Cherokee Chevrolet Cavalier GMC K1500 Dodge Neon Toyota Pickup Lexus ES 300 Volkswagen Vanagon Honda Odyssey Chevy Astro Suzuki Swift BMW 323 Mazda Miata Ford Explorer Chrysler New Yorker Ford F-150 Buick Park Avenue Volkswagen Beetle 1992 1998 1999 1994 1992 2000 1990 1995 1991 1997 1994 2000 2002 1992 1997 1990 $5 Alberta 1996 1985 1998 1992 2003 3 British Columbia No No Make & Model 1995 Chrysler Intrepid Male 58 1996 Dodge Caravan Female 55 19 20 21 22 23 1 Saskatchewan Rating Profile 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 Vehicle Year $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 Manitoba Median Annual Auto Insurance Rate by Province Primary Driver Gender Rating Profile List Primary Driver Age Claim(s) or Conviction(s) $- $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 Ft. McMurray, AB Prince George, BC 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 Rating Profile # Lloydminster, AB Lethbridge, AB $7,000 Prince Albert, SK Brandon, MB Median Annual Auto Insurance Rates Three Public Insurance Cities vs Three AB Cities 1966 2000 2002 1996 1999 1996 1997 1988 1997 1993 2001 24 25 26 27 28 29 30 31 32 33 34 31 43 51 43 36 42 55 33 18 17 19 57 Male Male 27 75 Female 70 Male 42 Male Female Male Female Male Female Male Female Female Female Male Female No Yes No No Yes No No No Yes Yes No Yes No No Yes Yes 1996 1985 1998 1992 2003 58 55 48 42 22 45 22 22 87 72 38 45 68 51 35 40 19 20 21 22 23 Male Female Male Female Male Female Female Female Female Male Female Male Male Female Male Male Yes No Yes No No Yes No Yes Yes No Yes Yes No Yes Yes Yes Toyota 4Runner Ford Windstar Toyota Camry Ford Taurus Honda Civic Ford Excursion Dodge Spirit GMC Sonoma Mazda Protégé Saturn SL1 Plymouth Colt Volvo V70 Toyota Corolla Pontiac Sunbird Dodge Ram Jeep Cherokee Chevrolet Cavalier GMC K1500 Dodge Neon Toyota Pickup Lexus ES 300 Volkswagen Vanagon Honda Odyssey Chevy Astro Suzuki Swift BMW 323 Mazda Miata Ford Explorer Chrysler New Yorker Ford F-150 Buick Park Avenue Volkswagen Beetle 1992 1998 1999 1994 1992 2000 1990 1995 1991 1997 1994 2000 2002 1992 1997 1990 Rating Profile No No Vehicle Year 1995 Chrysler Intrepid Male 58 1996 Dodge Caravan Female 55 Make & Model 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 Primary Driver Gender Rating Profile List Primary Driver Age Claim(s) or Conviction(s) $- $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 Lloydminster, SK Lloydminster, AB 17 15 13 11 Rating Profile # 25 7 5 3 1 Lloydminster, AB vs. Lloydminster, SK Median Annual Auto Insurance Rates 27 23 21 19 9 1966 2000 2002 1996 1999 1996 1997 1988 1997 1993 2001 24 25 26 27 28 29 30 31 32 33 34 31 43 51 43 36 42 55 33 18 17 19 57 Male Male 27 75 Female 70 Male 42 Male Female Male Female Male Female Male Female Female Female Male Female No Yes No No Yes No No No Yes Yes No Yes No No Yes Yes 1996 1985 1998 1992 2003 58 55 48 42 22 45 22 22 87 72 38 45 68 51 35 40 19 20 21 22 23 Male Female Male Female Male Female Female Female Female Male Female Male Male Female Male Male Yes No Yes No No Yes No Yes Yes No Yes Yes No Yes Yes Yes Toyota 4Runner Ford Windstar Toyota Camry Ford Taurus Honda Civic Ford Excursion Dodge Spirit GMC Sonoma Mazda Protégé Saturn SL1 Plymouth Colt Volvo V70 Toyota Corolla Pontiac Sunbird Dodge Ram Jeep Cherokee Chevrolet Cavalier GMC K1500 Dodge Neon Toyota Pickup Lexus ES 300 Volkswagen Vanagon Honda Odyssey Chevy Astro Suzuki Swift BMW 323 Mazda Miata Ford Explorer Chrysler New Yorker Ford F-150 Buick Park Avenue Volkswagen Beetle 1992 1998 1999 1994 1992 2000 1990 1995 1991 1997 1994 2000 2002 1992 1997 1990 Rating Profile No No Vehicle Year 1995 Chrysler Intrepid Male 58 1996 Dodge Caravan Female 55 Make & Model 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 Primary Driver Gender 33 31 29 Rating Profile List Primary Driver Age Claim(s) or Conviction(s) $- $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 5 3 1 Winnipeg, MB Regina, SK 17 15 13 11 9 Rating Profile # Victoria, BC Edmonton, AB Edmonton, A B Victoria, BC Regina, SK Winnipeg, M B Provincial Capitals: A Comparison of Median Auto Insurance Rates 33 31 29 27 25 23 21 19 7 1966 2000 2002 1996 1999 1996 1997 1988 1997 1993 2001 24 25 26 27 28 29 30 31 32 33 34 31 43 51 43 36 42 55 33 18 17 19 57 Male Male 27 75 Female 70 Male 42 Male Female Male Female Male Female Male Female Female Female Male Female No Yes No No Yes No No No Yes Yes No Yes No No Yes Yes 1996 1985 1998 1992 2003 58 55 48 42 22 45 22 22 87 72 38 45 68 51 35 40 19 20 21 22 23 Male Female Male Female Male Female Female Female Female Male Female Male Male Female Male Male Yes No Yes No No Yes No Yes Yes No Yes Yes No Yes Yes Yes Toyota 4Runner Ford Windstar Toyota Camry Ford Taurus Honda Civic Ford Excursion Dodge Spirit GMC Sonoma Mazda Protégé Saturn SL1 Plymouth Colt Volvo V70 Toyota Corolla Pontiac Sunbird Dodge Ram Jeep Cherokee Chevrolet Cavalier GMC K1500 Dodge Neon Toyota Pickup Lexus ES 300 Volkswagen Vanagon Honda Odyssey Chevy Astro Suzuki Swift BMW 323 Mazda Miata Ford Explorer Chrysler New Yorker Ford F-150 Buick Park Avenue Volkswagen Beetle 1992 1998 1999 1994 1992 2000 1990 1995 1991 1997 1994 2000 2002 1992 1997 1990 Rating Profile No No Vehicle Year 1995 Chrysler Intrepid Male 58 1996 Dodge Caravan Female 55 Make & Model 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 Primary Driver Gender Rating Profile List Primary Driver Age Claim(s) or Conviction(s) $- $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 7 Manitoba 9 10 Saskatchewan 20 21 British Columbia Alberta 22 Principal Drivers Under 25 Years Old Median Rates for Alberta and Public Auto Insurance Provinces Rating Profile 1988 1997 1993 2001 31 32 33 34 Male Male 27 75 Female 70 Male 42 51 43 36 42 55 Male Female Male Female Male 2002 1996 1999 1996 1997 Chevy Astro Suzuki Swift BMW 323 Mazda Miata Ford Explorer Chrysler New Yorker Ford F-150 Buick Park Avenue Volkswagen Beetle Male 31 Female 43 24 25 26 27 28 29 30 Male 19 Female 57 Female 33 Female 18 Female 17 22 22 87 72 38 45 68 51 35 40 No Yes No No No No Yes Yes No Yes No Yes Yes Yes No No No Yes Yes No Yes Yes No Yes Yes Yes Female Female Female Male Female Male Male Female Male Male 1990 1995 1991 1997 1994 2000 2002 1992 1997 1990 Dodge Spirit GMC Sonoma Mazda Protégé Saturn SL1 Plymouth Colt Volvo V70 Toyota Corolla Pontiac Sunbird Dodge Ram Jeep Cherokee Chevrolet 1996 Cavalier 1985 GMC K1500 1998 Dodge Neon No Yes 1992 Honda Civic Male 22 2000 Ford Excursion Female 45 58 55 48 42 Yes No Yes No Male Female Male Female 1992 1998 1999 1994 Toyota 4Runner Ford Windstar Toyota Camry Ford Taurus No No Vehicle Year 1995 Chrysler Intrepid Male 58 1996 Dodge Caravan Female 55 Make & Model 1992 Toyota Pickup 2003 Lexus ES 300 Volkswagen 1966 Vanagon 2000 Honda Odyssey 19 20 21 22 23 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 Primary Driver Gender Rating Profile List Primary Driver Age Claim(s) or Conviction(s) $- $500 $1,000 $1,500 $2,000 $2,500 $3,000 $3,500 British Columbia $1,099 $1,453 $1,734 Alberta $3,086 Rating Profile 7 Saskatchewan $771 $1,296 Rating Profile 28 One Minor Conviction (12 m onths ago) - '99 BMW 323) vs Rating Profile 28 (Male, 36, (Male, 22, Clean Record - '92 Honda Civic) Median Rate by Province Rating Profile 7 $1,051 Manitoba $797 1988 1997 1993 2001 31 32 33 34 1996 1985 1998 1992 2003 19 20 21 22 23 1966 2000 2002 1996 1999 1996 1997 Honda Civic Ford Excursion Dodge Spirit GMC Sonoma Mazda Protégé Saturn SL1 Plymouth Colt Volvo V70 Toyota Corolla Pontiac Sunbird Dodge Ram Jeep Cherokee Chevrolet Cavalier GMC K1500 Dodge Neon Toyota Pickup Lexus ES 300 Volkswagen Vanagon Honda Odyssey Chevy Astro Suzuki Swift BMW 323 Mazda Miata Ford Explorer Chrysler New Yorker Ford F-150 Buick Park Avenue Volkswagen Beetle 1992 2000 1990 1995 1991 1997 1994 2000 2002 1992 1997 1990 24 25 26 27 28 29 30 Toyota 4Runner Ford Windstar Toyota Camry Ford Taurus Rating Profile 1992 1998 1999 1994 Vehicle Year 31 43 51 43 36 42 55 33 18 17 19 57 22 45 22 22 87 72 38 45 68 51 35 40 58 55 48 42 Male Male 27 75 Female 70 Male 42 Male Female Male Female Male Female Male Female Female Female Male Female Male Female Female Female Female Male Female Male Male Female Male Male Male Female Male Female 1995 Chrysler Intrepid Male 58 1996 Dodge Caravan Female 55 Make & Model 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 Primary Driver Gender Rating Profile List No Yes No No Yes No No No Yes Yes No Yes No No Yes Yes No Yes No Yes Yes No Yes Yes No Yes Yes Yes Yes No Yes No No No Primary Driver Age Claim(s) or Conviction(s)
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