The way you drive Accidents and tickets can make insurance more expensive. Where you live When we shop for a new home, we routinely check taxes and heating costs. If you're travelling twice as far to work as your next-door neighbor, you could expect to pay more for car insurance. Unfortunately, statistics show that this group is more accident-prone than any other, and that can drive up the premium significantly. However, if the young driver has passed an accredited driver education course, the increase is less severe.
Some vehicles are more likely than others to be involved in an injury-causing accident.
Some cost more to fix. Check the chart compiled by the Vehicle Information Centre of Canada to see which cars are more expensive to insure as a result of their safety record.