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Home Policy Articles: Regional & Sectoral: Insurance


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Auto Premium Inflation: How StatsCan Rocked the Bank of Canada

In this brief report Mark Mullins explores Statistics Canada’s ‘mismeasurement’ of auto insurance premiums from 1996 to 2002. Over this period, Mullins argues, StatsCan squeezed several years of increases into a single 12-month period. As Mullins notes, this resulted in an exaggerated inflation rate which had two main impacts: 1) the Bank of Canada raised interest rates twice based on false information; and, 2) the New Brunswick electorate was irritated by exaggerated insurance increases, enough to almost defeat the provincial government in an election being held at the time.

Lemons and Peaches: Comparing Auto Insurance Across Canada

In this brief Fraser Alert, Mark Mullins explores the issue of public versus private auto insurance.

Public Auto Insurance and Trade Treaties

Seven Shrybman and Scott Sinclair assert that New Brunswick, and other Canadian provinces, can establish a public automobile insurance system without being deterred by the North American Free Trade Agreement (NAFTA) or the General Agreement on Trade in Services (GATS).

The False Promise of Government Auto Insurance: Estimating Average Auto Insurance Premiums in Ten Provinces, 2004-05

In this report, Brett Skinner estimates and compares the average cost of personal passenger automobile insurance premiums in each of Canada’s 10 provinces.

Two Hundred Bucks More: The Premium Cost of Public Auto Insurance

In this brief report Mark Mullins argues that it is a myth that those provinces with public automobile insurance schemes have cheaper car insurance. He argues that appropriate measurement and assessment of hidden subsidies and inadequate financial reserves reveal the real picture: that public insurance is actually more expensive than one that is rooted in the private sector. As Mullins points out, those provinces with public auto insurance schemes (British Columbia, Saskatchewan, Manitoba and Quebec) collectively have the highest average premiums in Canada.