Independent Ontario consumer resource · built on the official Fault Determination Rules · updated August 2026
ONFaultChecker.ca

Know what a car really costs before you buy it

Insurance, fuel, depreciation and whether it fits your income — worked out for Ontario, in five steps. Free, no signup, nothing stored.

1Start with a listing → Just had an accident?
1Check a listingIs the price fair? 2Compare twoWhich costs less to own? 3Lease or financeHow should you pay? 4Can you afford itDoes it fit your income? 5InsuranceWhat will it cost to insure?

Buying a car

Paste a listing or a link and we read the year, model and trim, then work out what it actually costs to run.

  • Premiums calibrated to published Ontario city averages
  • Depreciation checked against published retention data
  • 141 models with real trim pricing
Start at step 1 →

After an accident

Work out the likely fault split, which coverage applies, and what a claim does to your renewal.

  • Every rule in O. Reg. 668, in plain English
  • Total loss valuation evidence you can send an adjuster
  • What to do in the first 24 hours
Start here →
IndependentNot a broker, not an insurer, not owned by one. We sell nothing on these pages.
Ontario-specificBuilt on O. Reg. 668, the Insurance Act and FSRA benchmark data.
Nothing storedThe tools run in your browser. No account, no signup, no data kept.

What this site does

Two things, for two different moments. Before you buy a car, it tells you what that specific vehicle costs to insure and own in Ontario — not the sticker price, the real monthly figure. After a collision, it tells you how fault is decided, what your coverage pays, and what it does to your renewal.

Every number is modelled from public data and calibrated against published benchmarks. None of it is a quote. How we calculate sets out every source and every limitation.