Guess who’s paying the steepest increases in Canada for home and auto insurance?

Personal auto insurance rates in Canada increased 21.8% in 2026 Q2 over the same period last year, although the month-over-month increase since January 2026 Q1 was basically static, at 0.1%, Applied Systems reported Wednesday in its latest quarterly premium rate index.

Premium increases were less steep in personal property lines. The average annual rate change in 2026 Q2 was 5.8% higher than it was the same time last year. Month over month, property rates in Q2 increased 0.8% since January 2026 Q1.

“Premium rates for personal auto and personal property continued to climb across Canada in the second quarter, with Alberta again driving the sharpest increases in both lines,” said Steve Whitelaw, senior vice president and general manager of Applied Systems Canada.

In Alberta, personal auto rates increased 22.6% in 2026 Q2 compared to 2025 Q2, and in personal property lines the annual average increase was 11.9%, according to the 2026 Q2 edition of the Applied Rating Index.

The next highest annual average auto rate increase, 9.4% in 2026 Q2, occurred in the Atlantic provinces.

Ontario’s personal auto insurance rates rose 7% in 2026 Q2 compared to the same time last year.

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Quebec’s personal auto rates rose only 0.9% in 2026 Q2 over 2025 Q2.

In personal property lines, Alberta once again led the way for the highest premium increases at 11.9%. The Prairie provinces of Saskatchewan & Manitoba followed close behind, with an annual average increase of 10.8% in 2026 Q2.

B.C. homeowners saw an average annual rate increase of only 1.9% in 2026 Q2.

In Ontario, property insurance in 2026 Q2 went up 4.2% over the same time last year, while in Quebec home insurance rates increased 0.7% since 2025 Q2.

Atlantic Canadians shelled out for home insurance rate increases at almost the same level of their car insurance increases. In Atlantic Canada, home insurance rates increased 8.9% in 2026 Q2.