Resources
Helpful guides and official sources for Canadian car buyers
HST Provinces (13-15%)
Ontario (13%), New Brunswick, Newfoundland and Labrador, Nova Scotia, Prince Edward Island (all 15%)
GST + PST Provinces (11-15%)
British Columbia (12%), Manitoba (12%), Quebec (14.975%), Saskatchewan (11%)
GST Only (5%)
Alberta, Northwest Territories, Nunavut, Yukon
1. Research Before You Visit
Use our calculators to understand true costs including taxes. Know your target price before stepping into a dealership.
2. Understand Your Provincial Advantages
Alberta buyers save significantly with no PST. Quebec buyers should understand QST-on-GST calculations. BC and Ontario have higher insurance costs to factor in.
3. Compare Lease vs Buy
If you drive under 20,000 km/year and upgrade every 3-4 years, leasing often makes financial sense. If you keep vehicles 6+ years, buying builds equity.
4. Factor in Total Operating Costs
The purchase price is just the beginning. Insurance, fuel, and maintenance can add $10,000-$15,000 annually depending on your province and vehicle.
5. Time Your Purchase
End of month, end of quarter, and model year clearance periods often yield better deals. Monitor Bank of Canada rate trends for financing timing.