CAA Driving Costs Calculator

Know Your Costs

  • Fixed
  • Variable
  • Environmental

Whether you buy new or used, there's more to the cost of your vehicle than purchase price.

The CAA Driving Costs Calculator will help you build a better understanding of all the ongoing costs of owning a vehicle.

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CAA Driving Costs Calculator

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Step 1 of 1

The CAA Driving Costs Calculator offers you two options to better understand the complete cost of operating a vehicle. Click on option 1 if you are curious about how much money it takes on average to drive a certain type of vehicle — such as an SUV or a sub-compact — for a year in your province. Click on option 2 if you want to learn more about costs for a specific make and model.

1. Ever wonder what it costs to run a car or light truck for a year?

In order to give you an idea of the amount of money it takes to own and operate a vehicle for a year, this side of the calculator provides you with the annual average costs of different vehicle categories that cover the range of vehicles available on the consumer market today. To see the costs for each category, simply select the category you are interested in from the drop down menu below.

2. Understand your vehicle's costs

Budgeting for a vehicle is about much more than the price tag. The CAA Driving Costs calculator will walk you through the steps to better understanding the full cost of ownership.

After you are done you can save and compare vehicles.

Select Second Vehicle

Operating Costs for New & Used Vehicles

Operating costs are variable, depending on how much you drive, the type of driving, and of course the price of fuel. The average Canadian drives 20,000 km a year. The information below is pre-populated but to get a more accurate result, enter your own best estimates.

Enter Driving Details:

0/100% city highway
$1.00 $1.00 $3.00

Ownership Costs

The numbers below are fixed, meaning they are normally stable from month to month. They include insurance, licence fees, registration fees, taxes, finance costs and deprecation. These costs vary depending on the vehicle and your province. These costs do not vary depending on driving habits.

If you know your own expenses, enter them below to get a more accurate number. If you're not sure, we've provided averages in most cases to help you.

Enter Driving Details:

  N/AChange Vehicle N/AChange Vehicle
Yearly Expenses
Licence and Registration Fees?
Finance Charges ?
Insurance Costs ?

Ownership Costs Continued

Enter Driving Details:

  N/AChange Vehicle N/AChange Vehicle
Expenses
Depreciation ?

To help you figure this out, click on the calculator to the right.

Calculator Calculator
Maintenance ?
Additional Expenses ?

Your Results

  N/A Environmental Costs? Compared to most fuel-efficient
vehicle in same category
Total Annual Driving Costs Based on kms driven annually

Total Cost per Kilometre

Surprised?

Most people are. The costs shown above are based on the following estimates. Click on the ? for details on each. Due to the variability of financing charges and purchase price, we have not included those charges in total annual driving costs.

Fuel ?
Insurance ?
Licence & Registration ?
Depreciation & Maintenance ?

Your Results

  N/AChange Vehicle N/AChange Vehicle Environmental Cost ?
Total Annual Driving Costs Based on kms driven annually

Total Cost per Kilometre
Average Fuel Economy (L/100km)
Gas Cost per Year
Greenhouse Gas Emissions

Adjust the fuel price

Use the slider to see how different fuel prices can affect your costs

$1.00 $1.00 $3.00
Licence & Registration Fees
Finance Charges
Insurance Costs
Depreciation
Maintenance
Additional Expenses

Electric Vehicle Cost Calculator

CAA EV Calculator

Public Transit

Public transportation can be a cost-effective and environmentally friendly way to get where you want to be. According to the Canadian Urban Transit Association (CUTA), every time you use public transit instead of driving, you generate about 65% less greenhouse gas (GHG) emissions. CUTA also reports that the average cost of public transit in Canada is $2.59 per ride and $68.24 for a monthly pass.

Below are costs for rides and monthly passes in major cities and provinces across Canada, provided by CUTA, to give you an idea of the cost of commuting by using transit. Actual costs may vary, depending whether your transit authority uses a zone system, or other factors.

Province Average Cost per ride Average Monthly Pass
Alberta $2.58 $62.60
British Columbia $2.02 $51.35
Manitoba $2.28 $70.68
New Brunswick $2.38 $66.25
Newfoundland and Labrador $2.38 $70.00
Nova Scotia $2.33 $80.00
Ontario $3.06 $82.48
Québec $3.03 $75.33
Prince Edward Island $2.00 $60.00
Saskatchewan $2.44 $64.63
Territories $2.50 $62.00

Western Canada

Metropolitan Area Cost per ride Monthly Pass Plan a trip
Victoria $2.50 $85.00 More Info.
Vancouver $2.75 $91.00 More Info.
Edmonton $3.20 $89.00 More Info.
Calgary $3.00 $94.00 More Info.
Regina $2.50 $62.00 More Info.
Winnipeg $2.50 $82.80 More Info.
Saskatoon $3.00 $75.00 More Info.

Ontario

Metropolitan Area Cost per ride Monthly Pass Plan a trip
Ottawa $3.30 $96.25 More Info.
Toronto $3.00 $128.50 More Info.
Durham Region $3.00 $100.00 More Info.
Hamilton $2.55 $87.00 More Info.
Brampton $3.25 $110.00 More Info.
Mississauga $3.25 $120.00 More Info.
Region of Waterloo $3.00 $68.00 More Info.
York Region $3.75 $120.00 More Info.
GO from $4.50 from $130 More Info.

Québec

Metropolitan Area Cost per ride Monthly Pass Plan a trip
Montréal $3.00 $77.00 More Info.
Laval $3.00 $84.00 More Info.
Longueuil $3.25 $87.00 More Info.
Québec City $3.00 $76.75 More Info.
Gatineau $3.75 $87.00 More Info.
AMT from $3.75 from $74.00 More Info.

Atlantic Canada

Metropolitan Area Cost per ride Monthly Pass Plan a trip
Halifax $2.25 $70.00 More Info.
St John's $2.25 $70.00 More Info.

Sources: Canadian Urban Transit Association (CUTA), 2011 Canadian Transit Fact Book and 2013 Fare Structure Details Report Update. ©2013 CUTA.

Calculating Your Costs

Maintenance: Recommended Maintenance is defined as 'wear parts' and includes items such as oil changes that follow the manufacturers scheduled maintenance intervals. Repairs are 'unscheduled maintenance' which includes items such as brake jobs and windshield wiper blades. Maintenance and Repair reflect local garage labor rates. The estimates used in the calculator are provided by CarDATA and include all of the manufacturer recommended maintenance, plus repair expenses occurring outside of warranty during the 5-year retention period.

To learn more about proper auto maintenance and repair visit CAA’s Auto Services.

Insurance: The calculator provides an estimate for the cost of insurance. Insurance rates vary significantly based on individual characteristics, driving record, driving habits and the vehicle being insured. The estimates provided in the calculator are based on a driver profile provided by CarDATA and are intended to provide you with a starting point in estimating your own insurance cost in the case that you do not already have this information. The insurance numbers provided by CarDATA are based on the following insurance profile:

Insured:

  • Single
  • Male
  • Born in 1976
  • Employed
  • Homeowner

Coverage:

  • $500 comprehensive deductible
  • $500 collision deductible
  • $1,000,000 inclusive third party liability
  • Business Use (approximately adds 10% cost to premium)

To estimate your own insurance costs, you can contact a CAA insurance broker to provide you with an estimate tailored to your own specific situation.

For the province of Québec, the insurance field only includes the private portion of the insurance contributions.

Licence and Registration: Licence and registration fees are an annual expense and differ from province to province.

BC:The fee to put new plates on your vehicle is a one-time cost. This fee is included in the calculator under the licence and registration fees.

Manitoba: For the province of Manitoba, the calculator separates the licence and registration fees from the insurance cost. The province offers discounts on driver's licence fees based on driving history. The calculator uses the base fee of $65 for a driver's licence.

Nova Scotia: The fee to obtain new plates differs if you buy a vehicle from a dealership or if you buy a vehicle privately. The calculator uses the fee for vehicles purchased at a dealership. Registration fees in Nova Scotia are based on the weight of a vehicle. For the purpose of this calculator we included the fee for an average four door sedan.

Ontario: The registration fee is a calculated average of the fee for southern Ontario and northern Ontario.

Québec: For the province of Québec, the calculator reflects the way Québec residents receive their bill. The licence and registration field includes the licence and registration fees, and the public portion of the insurance contributions. For more information visit la Société de l’assurance automobile Québec.

Saskatchewan: In Saskatchewan drivers receive a discount if they pay for the driver’s license fee in one payment. For the purpose of the calculator we included the full fee.

Registration fee is part of your insurance.

New Brunswick: In New Brunswick, the province bases registration fees on the weight of a vehicle. For the purpose of the calculator we included the fee for an average four door sedan.

Taxes: Given the variability of this cost, the calculator does not provide estimates for taxes. Federal and provincial taxes paid when purchasing a vehicle should also be considered annual fixed costs, pro-rated over the actual life of the vehicle. For example, if you plan on keeping your vehicle for four years, divide the total amount of tax by four to determine the yearly cost. Taxes paid on leases are paid monthly. To calculate annual leasing taxes, multiply the monthly tax by 12.

Depreciation: Depreciation is the decreasing value of the vehicle as a used asset. The calculation is 'purchase price - resale value = depreciation'. Depending upon the application, depreciation is expressed as a monthly amount, a yearly amount or the total amount over the life of the vehicle. For the purposes of the calculator, depreciation estimates are based on the average of the 'driver purchase price' as supplied through CarDATA's network. Resale values used by CarDATA to produce the estimates for the calculator are a combination of auto auction prices, dealer reports and public records and based on a retention period of 5 years.

Absolutely free and for members only, CAA-Quebec’s Automotive Advisory Services are resources about all aspects of your vehicle, including getting an estimate on the depreciation of your vehicle.

Your Vehicle and Your Business

While many organizations continue to provide cars for business travel, growing numbers have their employees use their own vehicles for company business. In the latter case, there are three main methods of reimbursement:

  1. Cents per kilometer: This plan is ideal for occasional business travel, such as, an employee attending a seminar. For regular, ongoing business driving, such as sales or service employees, cents per kilometer plans are rarely used. This type of plan is also known in the industry as 'driving for dollars'.
  2. Flat Monthly Reimbursement: Some companies reimburse drivers with a flat dollar amount. Flat payments are often referred to as allowances. These are pre-determined amounts paid monthly, often in advance, to employees doing regular and frequent driving on company business. Flat rates have the erroneous perception of being 'equitable' by paying all drivers/employees the same amount. However, while seeming equitable on the surface, flat rate plans do a poor job of compensating drivers for actual costs as they do not take into account geography or business mileage.
  3. Fixed and Variable Rate Reimbursement: This is the optimal reimbursement plan, as it recognizes that some vehicle expenses are fixed - there is a cost to putting the vehicle on the road; and that other vehicle expenses are operating - a function of the number of kilometers driven. The result is a reimbursement system that incorporates all factors and pays a fixed amount in dollars per month, and an operating amount in cents per kilometre.

Corporations and Business Owners
If you have employees using their own vehicle for business purposes, CarDATA can help your company transition to a fair and accurate program with reduced administration. Other benefits of the CarDATA plan are: cost reduction resulting in savings; reduction of company liability through proper review of Insurance and Driver Licences.

About CarDATA Consultants Inc.: CarDATA is a Management Consulting company that specializes in vehicle reimbursement programs, specifically designed for Companies with Sales and/or Service employees driving their personal vehicle for business use. CarDATA uses a robust database to accurately account for the total cost of vehicle ownership. Under the CarDATA Plan, employees receive reimbursement that is fair and accurate down to the employee's local territory.

Business Vehicles and the Canada Revenue Agency
If you operate your own company and often use your personal vehicle for business, you may be able to write off some of your annual driving costs as business expenses. For complete details on tax deductibility and vehicle use for business purposes, we encourage you to seek the advice of a professional accountant or contact the Canada Revenue Agency.

Below is a list of the most fuel efficient vehicles by category. These cars were selected as the best in their class in Canada based on data provided by the Natural Resources Canada (NRCan). These fuel-efficient vehicles provide a bench-mark for you to compare with your own vehicle. In the case where a hybrid vehicle is the best in class, we have also provided the most fuel-efficient gas-powered vehicle.

Compact

Vehicle Cost per km Fuel economy (L/100km) Gas per year 5-Year CO2 emissions (kg)
2013 TOYOTA PRIUS c 8,510

Crossover

Vehicle Cost per km Fuel economy (L/100km) Gas per year 5-Year CO2 emissions (kg)
2013 TOYOTA PRIUS v 10,350

Executive

Vehicle Cost per km Fuel economy (L/100km) Gas per year 5-Year CO2 emissions (kg)
2013 LINCOLN MKZ HYBRID 9,660

Full-size

Vehicle Cost per km Fuel economy (L/100km) Gas per year 5-Year CO2 emissions (kg)
2013 HYUNDAI SONATA 16,790

Mid-size

Vehicle Cost per km Fuel economy (L/100km) Gas per year 5-Year CO2 emissions (kg)
2013 TOYOTA PRIUS 8,740

Mini car

Vehicle Cost per km Fuel economy (L/100km) Gas per year 5-Year CO2 emissions (kg)
2013 SCION iQ 11,730

Minivan

Vehicle Cost per km Fuel economy (L/100km) Gas per year 5-Year CO2 emissions (kg)
2013 MAZDA MAZDA5 18,860

Pickup Trucks

Vehicle Cost per km Fuel economy (L/100km) Gas per year 5-Year CO2 emissions (kg)
2013 TOYOTA TACOMA 4WD 23,920

Sub-Compact

Vehicle Cost per km Fuel economy (L/100km) Gas per year 5-Year CO2 emissions (kg)
2013 FORD FIESTA SFE 13,800

SUV

Vehicle Cost per km Fuel economy (L/100km) Gas per year 5-Year CO2 emissions (kg)
2013 MAZDA CX-5 15,640

Depreciation Calculator

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Terms of Use

This application will help you calculate and compare the driving costs and environmental impact of different vehicles.

Fuel economy and greenhouse gas emission figures were supplied by Natural Resources Canada. For ease of comparison, emissions results are rounded down to the closest half-metric tonne produced.

All cost figures are averages based on each vehicles class and do not represent an exact figure for any particular vehicle. All cost figures including: Depreciation & maintenance and insurance have been provided by CarDATA Consultants Inc.

Licence and registration fees have been averaged by province. Many provinces calculate the licence and registration fees differently. To get a better understanding of how each province calculates the fees, please visit the Learn More tab in the calculator.

Insurance figures are based on provincial averages and can vary based on your municipality, age, driving record, type of vehicle and other factors.

While every effort has been made to provide accurate information, CAA makes no representations in relation to the completeness or accuracy of the content. This application is presented on an "as is" and "as available" basis.

The information in this application applies to household vehicles, not business use. Organizations operating fleets of vehicles or paying employee allowances for personal vehicles should contact CarDATA Consultants Inc. for information regarding their services.

Disclaimer

The data contained in this website are based on the best available estimates and averages. These numbers are intended to provide users with a reasonable estimate of costs, but they do not represent actual, exact figures. Actual driving costs will vary based on driving patterns, maintenance schedule and other variables.

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CAA Driving Costs Calculator Results

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Please select the province you currently live in so we can give you a more accurate picture of your driving costs.

Depreciation is a key auto expense people often forget to consider. Every year of ownership decreases the value of the asset. Depreciation is calculated by subtracting what the vehicle could sell for today from what you paid for it. Both figures should be before taxes. To help figure out what it is worth today, consult online classifieds. To get an annual amount, divide by the total number of years you expect to own the vehicle.

Maintenance includes regular check ups and any repairs or after market-products such as wiper blades that you may buy during the course of the year.

These expenses could include winter tires, storage of tires, etc. You may not have any, in which case enter 0.

Insurance costs vary widely based on age, driving record, type of vehicle and other factors. The default insurance cost is based on a representative profile. For more details please click on the Learn More tab.

Every province charges fees to register and licence your vehicle. Put an annual amount in here. Our number is a per-province average. For Québec residents, please enter the insurance portion of your licence fee under the licence category.

There are many ways to finance the purchase of a vehicle. You can buy it outright, lease or borrow. Please enter the amount you will pay for your vehicle this year.

Expand this area to make adjustments to your costs.

Fuel

Fuel costs are based on the following

Annual Mileage (km)
Cost per Litre
Fuel Cost

Insurance costs vary widely based on age, driving record, type of vehicle and other factors. The default insurance cost is based on a representative profile. For more details please click on the Learn More tab.

Licence and registration fees have been averaged by province. Many provinces calculate the licence and registration fees differently. To get a better understanding of how your province calculates the fees, please visit the Learn More tab of this website.

There are many ways to finance the purchase of a vehicle. You can buy it outright, lease or borrow. Please enter the amount you will pay for your vehicle this year.

Depreciation is a key auto expense few people remember about. Every year of ownership decreases the value of the asset. Depreciation is calculated by subtracting what the vehicle could sell for today from what you paid for it. Both figures should be before taxes. To get an annual amount, divide by the number of years since purchase. These estimates are based on an average of vehicles in the class, over 5 years of driving.

Money isn’t the only cost associated with driving. Vehicles vary in their impact on the environment. This emissions data is provided by Natural Resources Canada.

Greenhouse gas emissions based on 20,000 km driven / yr compared to CAA's eco-pick in the same category.

Money isn’t the only cost associated with driving. Vehicles vary in their impact on the environment. This emissions data is provided by Natural Resources Canada.

Greenhouse gas emissions based on 20,000 km driven / yr.