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The grid rating system was developed in 2004 to establish the maximum rate insurance companies can charge for basic coverage third-party liability (bodily injury & property damage tort), accident benefits, and direct compensation property damage (DCPD). Insurance companies must compare a driver's rate under their current rating program to a driver's rate calculated by the grid and charge the lesser of the two rates.
On November 21, 2024, the Government announced the Grid would be repealed effective January 1, 2027, and replaced with new measures to support new and young drivers. The details on the new measures will be shared once known.
The resources below are guides for insurance companies when calculating grid steps.
Click here to find more about the Grid Rate Calculator.
This document provides guidance on determining a driver’s grid step, including definitions, parameters, and calculations.
Updated: September 30, 2024
Effective January 1 to December 31, 2025
This document provides Agents and Brokers with general guidance on establishing a driver’s initial grid step.