Premium rates and their changes year-over-year and quarter-over-quarter are now available from Applied Systems. The Applied Rating Index for the fourth quarter of 2025 shows that premiums for auto were up across the country, while premiums for property rose in every province except British Columbia.
“Average premiums for both personal auto and personal property lines increased year-over-year. Quarter-over-quarter, average premiums for personal auto lines increased in all provinces while average premiums for personal property increased in all provinces except British Columbia,” they write.
Personal auto premiums rose 14.4 per cent when compared to the fourth quarter of 2024 and increased 2.9 per cent relative to the third quarter in 2025.
Personal property, meanwhile, increased 7.8 per cent year-over-year and 1.3 per cent, quarter-over-quarter.
For personal auto, Ontario reported the highest increase of 17.1 per cent, year-over-year, while Alberta reported the lowest increase at 11.1 per cent. In personal property, Alberta saw the highest premiums rate change at 13.5 per cent, while British Columbia and Ontario came in with the lowest numbers – 1.8 per cent and 4.3 per cent, respectively.
