Best-Selling Cars in Canada: Which Are Cheapest to Insure?

By InsuranceHotline.com Team
A red car being drive heading into the sunset.

For the 22nd consecutive year, the Honda Civic is Canada’s best-selling car, and chances are, if you don’t have one insured on your auto insurance policy right now, you know someone who does. According to Honda, more than 2 million Civics have been sold in Canada since it was first launched in 1973 making it a fixture in driveways across the country.

As one of Canada’s favourite cars, the Honda Civic beat out its closest competitor, the Toyota Corolla, handily. With more than 60,000 vehicles sold last year, the Honda Civic outsold the Toyota Corolla by more than 12,500 cars.

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The 10 Top-Selling Cars in Canada in 2019

Alongside the Honda Civic and Toyota Corolla, Canada’s best-selling cars last year include:

  1. Honda Civic
  2. Toyota Corolla
  3. Hyundai Elantra
  4. Mazda 3
  5. Volkswagen Golf
  6. Volkswagen Jetta
  7. Kia Forte
  8. Toyota Camry
  9. Kia Soul
  10. Honda Accord

A Case Study: One Driver, 13 Ontario Cities, and the Car with the Cheapest Car Insurance

From the Honda Civic to the Honda Accord, these vehicles may be tops with car buyers, but which of them is most likely to have the cheapest car insurance rate? It turns out it’s neither of the top two best-sellers. Instead, it’s the Volkswagen Golf that topped our list as the cheapest to insure:

  1. Volkswagen Golf
  2. Kia Soul
  3. Volkswagen Jetta
  4. Toyota Camry
  5. Honda Accord
  6. Hyundai Elantra
  7. Kia Forte
  8. Mazda 3
  9. Toyota Corolla
  10. Honda Civic

What Goes into Determining an Auto Insurance Rate?

Auto insurance rates are determined, in part, by the car. If a particular make and model of vehicle has a higher frequency of insurance claims, say it’s a frequent target for thieves, it will cost more to insure. The same is true if that vehicle’s claims costs run higher on average than other cars. Ultimately, when it comes to insurance, it’s a numbers game that revolves around the likelihood of a claim and the possible payout amount.

Of course, there’s more to your auto insurance rate than the car you drive. Where you live, your driving and insurance history, and driving record all factor significantly into your auto insurance premium as well. As a result, the vehicle that costs you the least to insure may not be the car that’s the cheapest choice for your friends, family, or neighbour.

If you’re planning on buying a new vehicle this year, find the car that offers you the best rate by comparing quotes. Shop around before you make your purchase because, year-after-year, for the lifetime you own the vehicle, you’ll need auto insurance and you’ll want to factor this cost into your buying decision.

Case Study Methodology

We compared quotes for a fictional 35-year-old driver with a clean driving record living in 13 Ontario cities. The cities include Ajax, Aurora, Kingston, Kitchener, Lindsay, London, Mississauga, Ottawa, Peterborough, Scarborough, Sudbury, Toronto and Windsor. An average of the cheapest auto insurance quote in each city for each vehicle was taken to produce the ranking. Only quotes for Ontario car insurance were reviewed as coverage can vary between provinces. Results may vary based on your circumstances.

This article is updated annually to reflect the latest sales trends in Canada.