{
  "id": "v20-ca-car-insurance",
  "version": "20.16.0",
  "name": "Car Insurance Quote Comparison Calculator — Canada",
  "shortName": "Car Insurance Quote Comparison",
  "description": "Compare an actual car-insurance quote and a clearly scoped own-damage deductible scenario. CAD planning view; stated limitations apply.",
  "category": "Finance",
  "categorySlug": "finance",
  "keywords": [
    "car-insurance",
    "ca",
    "insurance-consumer",
    "insurance-terms"
  ],
  "status": "live",
  "workStatus": "pending",
  "reviewStatus": "pending",
  "migrationStatus": "new",
  "engine": "native",
  "creator": null,
  "reviewer": null,
  "quality": {
    "availability": "live",
    "technicalReviewRecord": "/reviews/v20-ca-car-insurance.json",
    "qualifiedReview": "pending",
    "qualifiedReviewer": null,
    "qualifiedReviewDate": null,
    "formulaVersion": "20.16.0",
    "referenceCoverage": "references-listed",
    "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
    "historicalMetadataDate": "",
    "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
  },
  "notice": "Illustrative defaults are not local quotes or verified legal rules. Dated reference components and user-entered assumptions are explicitly distinguished. Professional review is pending.",
  "urls": {
    "page": "/ca/car-insurance/",
    "definition": "/ca/car-insurance/definition.json",
    "schema": "/ca/car-insurance/schema.json",
    "llms": "/ca/car-insurance/llms.txt",
    "legacyDefinition": "/ca/car-insurance/definition.json"
  },
  "queryExample": "https://askcalculators.com/ca/car-insurance/?annualPremium=0&annualFees=0&monthlyFee=0&spreadPercent=15&deductible=500&eligibleDamage=3000&benefitLimit=20000",
  "queryParameters": {
    "annualPremium": {
      "label": "Actual quoted annual premium",
      "type": "money",
      "required": true,
      "default": 0
    },
    "annualFees": {
      "label": "Annual policy/administration fees",
      "type": "money",
      "required": true,
      "default": 0
    },
    "monthlyFee": {
      "label": "Additional installment fee per month",
      "type": "money",
      "required": true,
      "default": 0
    },
    "spreadPercent": {
      "label": "Quote sensitivity range",
      "type": "percent",
      "required": true,
      "default": 15
    },
    "deductible": {
      "label": "Entered collision/comprehensive deductible",
      "type": "money",
      "required": true,
      "default": 500
    },
    "eligibleDamage": {
      "label": "Hypothetical covered own-car damage",
      "type": "money",
      "required": true,
      "default": 3000
    },
    "benefitLimit": {
      "label": "Applicable own-damage benefit limit",
      "type": "money",
      "required": true,
      "default": 20000
    }
  },
  "inputs": [
    {
      "id": "annualPremium",
      "label": "Actual quoted annual premium",
      "type": "money",
      "defaultValue": 0,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "CAD",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "annualFees",
      "label": "Annual policy/administration fees",
      "type": "money",
      "defaultValue": 0,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "CAD",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "monthlyFee",
      "label": "Additional installment fee per month",
      "type": "money",
      "defaultValue": 0,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "CAD",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "spreadPercent",
      "label": "Quote sensitivity range",
      "type": "percent",
      "defaultValue": 15,
      "required": true,
      "min": 0,
      "max": 100,
      "step": 0.1,
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "deductible",
      "label": "Entered collision/comprehensive deductible",
      "type": "money",
      "defaultValue": 500,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "CAD",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "eligibleDamage",
      "label": "Hypothetical covered own-car damage",
      "type": "money",
      "defaultValue": 3000,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "CAD",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "benefitLimit",
      "label": "Applicable own-damage benefit limit",
      "type": "money",
      "defaultValue": 20000,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "CAD",
      "help": "Illustrative starting value; replace with your own evidence."
    }
  ],
  "outputs": [
    {
      "id": "annualPremium",
      "label": "Entered annual premium",
      "format": "currency",
      "digits": 2,
      "primary": true,
      "currency": "CAD"
    },
    {
      "id": "annualCost",
      "label": "Annual premium and payment fees",
      "format": "currency",
      "digits": 2,
      "currency": "CAD"
    },
    {
      "id": "monthlyEquivalent",
      "label": "Monthly equivalent cost",
      "format": "currency",
      "digits": 2,
      "currency": "CAD"
    },
    {
      "id": "low",
      "label": "Low quote scenario",
      "format": "currency",
      "digits": 2,
      "currency": "CAD"
    },
    {
      "id": "high",
      "label": "High quote scenario",
      "format": "currency",
      "digits": 2,
      "currency": "CAD"
    },
    {
      "id": "damageBenefit",
      "label": "Modeled own-damage payment",
      "format": "currency",
      "digits": 2,
      "currency": "CAD"
    },
    {
      "id": "claimOutOfPocket",
      "label": "Damage retained by policyholder",
      "format": "currency",
      "digits": 2,
      "currency": "CAD"
    }
  ],
  "formula": {
    "expression": "own-damage payment = minimum(policy limit, maximum(0, eligible damage − deductible)).",
    "note": "Inputs are converted to canonical units before evaluating this stated formula."
  },
  "examples": [
    {
      "label": "Illustrative defaults; required verification checks remain unconfirmed",
      "inputs": {
        "unitSystem": "metric",
        "annualPremium": 0,
        "annualFees": 0,
        "monthlyFee": 0,
        "spreadPercent": 15,
        "deductible": 500,
        "eligibleDamage": 3000,
        "benefitLimit": 20000
      }
    }
  ],
  "sources": [
    {
      "label": "NAIC consumer insurance resources",
      "url": "https://content.naic.org/consumer"
    },
    {
      "label": "NAIC insurance glossary",
      "url": "https://content.naic.org/glossary-insurance-terms"
    }
  ],
  "publicSlug": "car-insurance",
  "namespace": "ca",
  "countries": [
    "us",
    "ca",
    "uk",
    "ie"
  ]
}