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

Ontario · Free tool · Updated August 2026

Paste an Ontario car listing. See what it really costs.

Paste any listing. We'll tell you if the price is fair and what it really costs to run.

Paste anything from the listing

From AutoTrader, Kijiji, Marketplace, a dealer site — anywhere.

Works with almost any format: 2019 Honda Civic LX | 112,000 km | $21,900, or just paste the listing link — we read the car from the address, then you add the price.

Couldn't read that

Make

Model

Year

Asking price

Kilometres

Where you'd park it

How to use it

Copy the listing title and details — year, model, price and mileage are all we need.
Paste it in. Anything works: a tidy dealer page or a one-line Marketplace post.
Fix anything we misread using the dropdowns underneath.
Check the price verdict against typical value for that year and mileage.
Follow through to the full insurance estimate or the financing calculator.

Why the sticker price misleads people

Two cars at the same price can differ by thousands a year once insurance, fuel and depreciation are counted. A theft-prone SUV can cost several hundred more a year to insure than a similar sedan, and a fast-depreciating model can quietly lose five figures over the same period. Neither shows up on the listing.

Step 1 of 5 · Check a listing

Next step

Price checked. Now see how it compares to another car.

Step 2Compare two →

Key takeaways

We read the year, model, price and mileage out of whatever you paste.
Price is judged against typical value for that mileage, not just the year.
Nothing is scraped and nothing connects to listing sites — you paste, we read.

These figures are modelled from Ontario rating factors and calibrated to published averages — not quotes. See exactly how they are calculated.

Common questions

How do I check if a used car is priced fairly in Ontario?

Start with the asking price against typical market value for that specific year and mileage, since mileage well above or below average for the age moves value considerably. Then add the running costs: insurance, fuel or charging, maintenance and depreciation. Depreciation alone frequently exceeds every other cost in the first five years. This tool does all of that from whatever you paste in from the listing.

Does this connect to AutoTrader?

No, and deliberately so. You copy the details from whatever listing you are looking at and paste them here, and the tool reads the year, model, price and mileage out of that text. There is no data feed from AutoTrader, Kijiji, Marketplace or any dealer site, and nothing is scraped from them. That keeps the tool independent and within everyone's terms of use.

How does mileage affect a used car's value?

Around 16,000 kilometres a year is typical in Ontario, so a five-year-old car with 80,000 km is about average. Materially higher mileage reduces value and materially lower supports a higher price. The adjustment is proportionally larger on expensive vehicles, where each kilometre carries more value. This tool applies that adjustment when comparing the asking price to typical value.

Is the insurance figure a quote?

No. It is an estimate built from the rating factors Ontario insurers publicly use, based on the vehicle and where you would park it, and it assumes a clean full-G driver. Your own record changes it substantially. Only a licensed broker or insurer can give you a quote, because rates are filed individually with FSRA. Use this to compare cars and to budget, then get real quotes before buying.