Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Car safety ratings guide

Learn how to interpret car safety ratings in Canada so you can find the best vehicle to protect you and your family.

Car safety ratings are one of the most important factors to consider when comparing different makes and models. Learn how car safety ratings in Canada are determined, and how you can use them to find a car that keeps you and your family as safe as possible in a collision.

What are car safety ratings in Canada?

A car’s safety rating is determined by a series of crash tests and its safety features. Car safety ratings in Canada are vehicle safety scores that are used to determine how well a vehicle will protect you in a crash or help you avoid a crash. These scores are determined by several main institutions based on a series of crash tests.

You can use Canadian car safety ratings to determine how safe the car you want to buy is overall. You can also use these ratings to see how the car performs in certain situations – for example, if you get into a rollover or are involved in a head-on collision.

How to check your car’s safety ratings

There are 3 main institutions that set car safety ratings in Canada. Each institution has a different rating system to show vehicle safety.

1. The National Highway Traffic Safety Administration (NHTSA)

The NHTSA is a US-based institution that rates vehicle performance based on a 5-star safety rating program. 5 stars is the highest rating a vehicle can get, while 1 star is the lowest. These ratings provide an overall score, as well as separate scores for different crash categories. They are posted online and on window stickers for new vehicles.

2. The Insurance Institute for Highway Safety (IIHS)

The IIHS is a not for profit based out of the US that uses a classification system to rate vehicles from poor to good, or from basic to superior. Results are represented visually on a colour-coded scale (as shown in the image below).

Picture not described

3. Motor Vehicle Safety Regulations (MVSR)

Vehicle manufacturers and importers must adhere to the standards set by the Motor Vehicle Safety Regulations (MVSR) in Canada. Drivers can look for the national safety mark on vehicles and child car seats as an indicator of reliability.

Canadian National Safety Mark

Why does a car safety rating matter?

Canadian car safety ratings can be a critical factor when it comes to saving your life in a collision. According to the IIHS, the driver of a vehicle rated as “good” is 70% less likely to die in a left-side collision than the driver in a vehicle rated as “poor”. When you’re selecting your next car, check its safety ratings from both the NHTSA and IIHS to ensure that you’re making a solid decision based on more than just getting a good price at the dealership.

What types of crash tests are Canadian car safety ratings based on?

Crash tests may be different based on which regulatory body you’re looking to for the best car safety ratings in Canada. You can expect some of the following crash tests to be performed:

Frontal crash testsSends vehicle into a head-on crash at 35 mph and evaluates crash test dummies for injuries.
Side barrier testsCrashes a heavy barrier into a standing vehicle at 38.5 mph and evaluates crash test dummies for injuries.
Side pole testsPulls the side of a vehicle into a pole on the driver’s side at 20mph and evaluates crash test dummies for injuries.
Rollover and roof strength testsTests how likely a vehicle is to flip over during a sharp turn or similar and assesses how strong the roof is.
Accessories testsExamines the efficiency of headlights, mirrors, backup cameras and anchors for car seats, among other things.

What car safety features are considered necessary?

The specific safety features required by vehicles in Canada vary depending on the class of vehicle. Nearly all types of vehicles are required to have basic safety systems in place such as:

  • Adaptive headlights
  • Anti-lock brakes
  • Mirrors
  • Airbags
  • Traction control
  • Laminated glass
  • Stability control

What are the safest vehicles in Canada?

There are a number of vehicles that are classified as the safest cars in Canada for 2021, based on having the best car safety ratings according to the IIHS. These include the following:

Type of carSafest makes and models
Small cars
  • Honda Civic
  • Honda Insight
  • Hyundai Elantra
  • Kia Forte
  • Kia Soul
  • Mazda 3
  • Nissan Sentra
  • Subaru Impreza
  • Toyota Corolla
Midsize cars
  • Honda Accord
  • Hyundai Sonata
  • Kia K5
  • Nissan Altima
  • Subaru Outback
  • Subaru Legacy
  • Toyota Camry
  • Chevy Equinox
  • Honda CR-V
  • Hyundai Kona
  • Hyundai Tucson
  • Kia Sportage
  • Lexus UX
  • Mazda CX-3 and CX-5
  • Nissan Rogue
  • Subaru Forester
  • Toyota RAV4
  • Honda Odyssey
  • Kia Carnival
  • Toyota Sienna

Ready to buy? Compare car loan providers

Name Product Loan Amount Interest Rate Loan Term Min. Credit Score Requirements Table description
Loans Canada Car Loans
$500 - $35,000
0% - 29.99%
3 - 96 months
Min. income of $1,800 /month, 3+ months employed
Compare rates from multiple lenders.
Complete a single application to get quotes from different lenders. Bad credit, CERB and EI borrowers considered.
goPeer Car Loan
$1,000 - $25,000
8.00% - 31.00%
36 - 60 months
Min. income of $40,000 /year
P2P platform with competitive rates.
Canada's first regulated consumer peer-to-peer lending platform that connects creditworthy Canadians looking for a loan with Canadians looking to invest.
$7,500 - $85,000
3.99% - 29.99%
12 - 96 months
Min. income of $1,800 /month, 1+ months employed
Available in Ontario only.
Apply online and get your new vehicle delivered to your door anywhere in Ontario free of charge. All credit scores considered.
CarsFast Car Loans
$500 - $75,000
4.90% - 29.90%
12 - 96 months
Min. income of $1,800 /month, 3+ months employed
Get a new or used vehicle delivered to your door.
Browse thousands of vehicles from dealers across Canada and get matched with financing that meets your needs.
Coast Capital Car Loan
$10,000 - No Max.
18 - 84 months
Able to service debt payment of $300/month
Competitive rates and flexible terms.
Finance new and used vehicles from one of Canada's largest credit unions. No credit union membership required. Available across Canada except SK, QC, NT, NU, YT.
Splash Auto Finance
$10,000 - $50,000
9.90% - 29.90%
24 - 84 months
Min. income of $2,200 /month, 3+ months employed
Apply with any credit score.
Get financing for a new or used car. Auto loans for borrowers with fair credit, bad credit, no credit or bankruptcy.
LoanConnect Car Loans
$500 - $50,000
9.90% - 46.96%
3 - 120 months
No min. income requirement
Pre-approval in as little as 60 seconds.
Get access to 25+ lenders through this brokerage. Get your funds in as little as 24 hours.
Canada Auto Finance
$500 - $45,000
4.90% - 29.95%
3 - 96 months
Min. income of $1,500 /month, 3+ months employed
Get financing from partnered local lenders.
Financing for a new or used car is available for borrowers with bad credit, no credit, CERB, EI or bankruptcy.
Carloans411 Car Loans
$500 - $50,000
1.90% - 19.99%
Up to 72 months
Min. income of $1,600 /month, 3+ months employed
High application approval rate.
Get connected with suitable lenders to finance your next car, van or truck. Check eligibility for this loan through LoanConnect.

Compare up to 4 providers

How to maintain the safety of your vehicle

There are a few ways that you can keep your vehicle safe beyond getting a car with special safety features or a high car safety rating:

  • Get regular inspections. Get your car inspected every year to make sure it’s in good working order.
  • Perform routine maintenance. Book in for regular oil changes and keep an eye on filters, lights, wipers and other parts that might need replacing.
  • Obey traffic laws. Wear your seatbelt, avoid speeding or driving under the influence and obey other traffic laws to protect yourself when you’re on the road.
  • Take a driving course. Enrol in a defensive or safe driving course to learn good habits and driving skills.

Bottom line

Canadian car safety ratings are defined by crash tests carried out by car safety rating institutions. Each institution has a different grading system to show what car safety rating your vehicle received. Find out which car safety rating systems you should keep an eye on to get the safest vehicle for your personal situation.

Frequently asked questions

More guides on Finder

  • Clutch review

    Buy a car completely online through Clutch, a car-buying platform with over 700 vehicles.

  • Should I buy a used luxury car?

    Weigh the pros and cons to learn how to decide if buying a luxury car is right for you.

  • Can a teen buy their own car?

    Avoid sales traps and watch for hidden costs when shopping for a new ride.

  • Car loan statistics

    Since July 2016, Canada has owed on average $2.8 billion per year in car loans, with lenders advancing $4.1 billion in July of 2020. Find out more about the state of car loans in Canada.

  • How to lower car insurance costs

    You don’t need to pay more for car insurance than necessary. Find out the 9 easiest ways to pay less and save on your monthly car insurance bill.

  • Canada Drives car loan review

    Canada Drives simplifies the process of buying a car, showing you how much you can borrow along with a list of vehicles you’ve already qualified for based on your approved financing.

  • Hyundai Elantra insurance rates

    The average Hyundai Elantra car insurance cost is $290 a month, or $3,474 a year. Compare different insurance providers to find the best price.

  • Canada Auto Finance Review

    Do you need a car loan but you don’t have the best credit? Canada Auto Finance connects you with local dealers to help you secure auto financing at competitive rates to help you buy a car.

  • Honda Accord insurance rates

    The average Honda Accord car insurance cost is $249 a month, or $2,988 a year. Compare different insurance providers to find the best price.

  • Loans Canada Personal Loan Review

    Want to find the best rates for your next personal loan? Compare lenders with Loans Canada, a well-known online platform.

Ask an Expert

You must be logged in to post a comment.

Go to site