Choose an Insurance Quote
Get a better rate.
Compare car insurance, mortgages and credit cards in just a few clicks.
Rates.ca helps you compare rates from more providers than anyone else
Compare to save
Your shortcut to the best insurance deals
Calling around for quotes from one, two, or fifty insurance companies? No way! We've all got better things to do. Thankfully, Rates.ca makes it easy.
In just a few clicks, you can compare dozens of insurance rates. Pick the one that gives you the coverage you want at the right price, and boom, you're done!
Kick back and let Rates.ca bring you the most affordable insurance rates — it's the easy way to score the best policy.
Got questions about what we do?
We help Canadians make better insurance and money decisions.
How does Rates.ca calculate auto insurance premiums?
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.
What makes Rates.ca the best place to compare insurance and mortgage 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.
Are there any fees associated with using Rates.ca?
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.
What products can I compare on Rates.ca?
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.
What provinces is Rates.ca available in?
How will the information I provide on the site be used?
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.
How do I get the best rates?
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.
Get a better rate
Shopping for insurance and financial services is never fun. We make it easy.
With easy-to-use, flexible online tools that let you search the entire market, you can compare the best rates on insurance, mortgages and credit cards in Canada. In just a few clicks you'll be matched with a wide range of quotes from Canadas top providers the names you know and trust so you can move on and do something else with your time. Just as easy as it is to search for a hotel on a comparison website, you can now do the same for your car or home insurance, your mortgage and the credit cards you want in your wallet.
Rates.ca users save an average of $882 on car insurance.*
Car Insurance
Find the cheapest car insurance rates.
Did you know car insurance rates can vary widely from one provider to the next? By comparing quotes from multiple companies, you can easily see if you’re still getting the best rate on your auto insurance. Compare quotes, benefits, and discounts offered by each provider, and choose the policy that suits your budget and needs.
Mortgage Rates
Find today’s best mortgage rates in one place.
With rates always changing, knowing that you have the best mortgage rate is top priority for Canadians. We publish competing mortgage rates from a wide variety of brokers and financial institutions so you can easily compare today’s lowest mortgage rates and filter your results by the mortgage type and term to get the best mortgage product for your needs. Once you've landed on a mortgage rate that you want, get connected directly with that mortgage provider to secure your rate.
Best Credit Cards in Canada for 2023
Finding a credit card which complements your lifestyle and spending habits can be daunting. There are so many to choose from, and nobody has time for all that fine print! Well, nobody except for us that is. Our team analyzed over 110 credit cards across 17 categories for the best value, to help take the guesswork out of shopping for a new card.
Scroll through the categories below, or click here for the full list of Best Credit Cards 2023 award winners.
Mortgage calculators
*Shoppers in Ontario who obtained a quote on Rates.ca and transacted via our contact centre from August to December 2020 saved an average amount of $676. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by Rates.ca.
Latest News Articles:
Bank of Canada holds rates at 2.25% as weak growth clashes with oil-driven inflation. Housing, jobs, and consumer costs show signs of softening.
Bank of Canada holds rates as weak growth meets energy inflation, cooling housing demand and straining mortgage renewals.
Tenant insurance is a safety net for your belongings but doesn’t cover the building itself. Here’s what you need to know in case of accidental property damage.
After a sluggish 2025, EV interest in Canada is climbing again: searches are up 40%, and nearly one‑third of Canadians say they’re open to buying an electric vehicle.
Canada’s big five banks know fintech has the power to change the banking landscape forever – which is why they’re pouring investment into tech of their own. Here’s a breakdown of what each bank is doing to make their mark on the growing Canadian fintech landscape.
The Bank of Canada holds its rate at 2.25% amid rising oil prices and economic uncertainty, keeping variable mortgage rates stable but pushing fixed rates higher.
