Get a Better Rate.

Each auto insurance premium quote Rates.ca provides is based on a detailed customer profile that the customer enters into the quoter and the insurer's own rates and underwriting rules. This ensures that quotes are accurate and personalized according to the details provided by the customer. Rates.ca does not calculate premiums but simply presents what the insurers return. Rates.ca does not manipulate the premiums shown in any way. A team of statisticians, data analysts and actuaries, led by VP of Insurance and Chief Underwriting Officer Steve Cohen, Fellow of the Casualty Actuarial Society (FCAS) and Fellow of the Canadian Institute of Actuaries (FCIA), proactively monitors all quotes on a daily basis to ensure accurate rates. 

Are the auto insurance quotes provided by Rates.ca estimates?

No, the insurance quotes provided by Rates.ca are not estimates. The Rates.ca insurance quoter contains a comprehensive set of questions that a customer must fill out prior to receiving a quote that ensures it is accurate according to the details provided and personalized according to their specific profile and the insurer's own rates and underwriting rules.

How does Rates.ca determine auto insurance premium prices?

Rates.ca returns the auto insurance premium prices to the consumer either directly from insurers (Direct APIs), or through industry standard and accepted connectivity (such as Applied Fortus, Ratebridge, etc.).

Is the Rates.ca auto insurance quoter licensed?

Yes, the Rates.ca insurance quoter (Rates Insurance Services Ltd) is a licensed broker in Ontario, with the Registered Insurance Brokers of Ontario (RIBO).

Can anyone get an auto quote from a Rates.ca insurance quoter?

Yes, anyone can get a quote from a Rates.ca insurance quoter. In Ontario, Rates.ca auto insurance quoters are Take All Comers (TAC) compliant and all Rates.ca quoters will present premiums to customers 24/7 with no suppression or hiding of rates.

At Rates.ca, we make it simple for Canadians to compare car insurance quotes, home insurance, tenant insurance, and mortgage rates—all in one place. Making a habit of checking your insurance and mortgage rates is one of the easiest ways to save money and lower your monthly costs. 

But we’ll do more than just find the cheapest rate. Rates.ca’s platform helps you find the right policy or mortgage for your unique needs, so you can make confident, informed decisions.

Here’s why thousands of Canadians trust Rates.ca: 

• Over 20 years in the industry: Rates.ca has been helping Canadians find the best insurance and financial options since 1999. 
• 10,000+ verified reviews: Rates.ca is trusted by Canadians with over 10,000+ verified reviews.
• 50+ trusted partners: We work with leading insurance and mortgage providers to bring you competitive rates. 
• Proudly Canadian: Headquartered in Toronto, we are proud to be Canadian-owned and to provide accurate rates for car insurance, home insurance, tenant insurance, and mortgages across Canada. 
• Secure & private: Rates.ca protects your data using strong TLS encryption, secure storage, and strict privacy controls, so your information is safe and only shared with trusted partners for accurate quotes. 
• Real-time rate comparison: Compare real-time quotes from multiple providers in seconds.

Start saving today. Compare car insurance quotes, home insurance, and mortgage rates now with Rates.ca and make smarter, simpler choices for your financial future. 

Absolutely not! Comparing rates on Rates.ca is always free. We make our money from insurance providers and financial institutions for sending them referrals, and from credit card issuers for approved credit card applications originating from our site. We believe in empowering Canadians to make better insurance and money decisions, which is why the choice to secure the best rate is always yours.

You can compare quotes for car insurance, home insurance, travel insurance, life insurance, mortgages and credit cards. Rates.ca is your one-stop shop for all your insurance and financial needs.

Quotes for car insurance is currently available in Ontario, Alberta & Quebec. We provide comparison quotes for all other insurance, as well as mortgage rates and credit cards, across Canada.

Any information that you provide on Rates.ca will only be transferred to the insurance or financial services provider that you've chosen to share it with in order to fulfil your request. We will not sell your information to any third parties without your consent.

Hands down, the easiest way to get the best rates is by shopping around and comparing rates from different brokers, insurance companies and financial institutions. Rates.ca partners with more companies than anyone else, giving you the widest selection of rates available.