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Compare Insurance Quotes

Find the cheapest insurance rates for car, home, travel and life insurance all in one place. Kick it off with auto.

How to get an insurance quote on RATESDOTCA

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1. Pick your product

Compare insurance quotes for auto, home, condo, tenant, travel, life, health and more.

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2. Add your details

Tell us more about your vehicle, home, apartment or travel plans.

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3. Compare quotes and coverage

See quotes from top insurance companies side by side.

4. Secure your rate

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Car Make Model Icon Transparent Black

Auto Insurance

Compare car insurance quotes to get the cheapest car insurance rates available. Compare from dozens of top Canadian lenders in one easy place and start spending less on auto insurance.

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Home Icon Transparent Black
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Home Insurance

Protect your home and possessions from risk and yourself from liability with home insurance. Compare from 30+ home insurance providers to find the best home insurance rates today.

Condo Insurance

Condo insurance is slightly different from home insurance, but still protects you and your possessions from risk and liability. Learn more and compare quotes to find the best condo insurance rates available today.

Tenant Insurance

Tenant insurance, also known as renter’s insurance, protects people who rent, rather than own, their primary residence. Unlike standard home insurance, it doesn’t include coverage for the actual building you live in. Instead, it covers your personal belongings and protects you from liability. Learn more and compare quotes.

Life Insurance Icon Transparent Black
Life Insurance Icon Transparent Black

Life Insurance

Life insurance helps you protect the ones you love in the event of your untimely death, by providing them with money to pay for the things that your income was taking care of like a mortgage, groceries, bills, etc. There are different types of life insurance, so learn more about your options and the best type of life insurance coverage for you.

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Travel Icon Transparent Black

Travel Insurance

Hopping on a plane? Heading across the border? Travel often for business? Easily obtain travel insurance online by comparing multiple policies in one place. Find the best rate and give yourself peace of mind on your next adventure.

Frequently asked questions about personal insurance

Here are some of the most frequently asked questions about personal insurance in Canada:

What is personal insurance?

Personal insurance provides protection for assets belonging to individuals and families. There are several kinds of personal insurance policies, such as auto insurance for personally-owned vehicles, home and renters insurance for dwellings, and health insurance for things like personal injury and illness.

What are the most common personal insurance policies?

The most common types of personal insurance are:

  • Car insurance
  • Home insurance
  • Renters insurance
  • Condo insurance
  • Life insurance
  • Health insurance
  • Dental insurance
  • Pet insurance
  • Motorcycle insurance

In each case, the insurance policy will only cover assets that are personally owned. If, for example, a vehicle or building is used for business purposes, a commercial insurance policy will be required.

Does personal insurance cover business assets?

No. Business assets, whether a commercial vehicle, store or rental property, require a commercial insurance policy. If a vehicle that’s used for professional purposes is covered by a personal auto insurance policy rather than a commercial auto insurance policy, the policyholder’s claim may be denied, and the policy may be cancelled by the insurer. If an asset is used for both personal and business purposes, commercial coverage is still required. This includes Airbnb properties and vehicles used for Lyft and Uber.

What affects my personal insurance rates?

The premiums you pay for different types of personal insurance – e.g. auto, home, life, etc. - are determined by a variety of factors related to both you personally, and to the asset the policy protects. For example, auto insurance premiums are determined by, among other factors, your driving history and the value of your vehicle. The cost of a home insurance policy may be impacted by the location of your home, as well as the number of claims you've made in the past.

Does every individual require their own personal insurance policy?

With the exception of insurance policies that cover bodily well-being – e.g. health, dental and life insurance – personal insurance policies are connected to the asset they protect rather than a specific individual. For example, a car insurance policy covers a specific vehicle, regardless of who is behind the wheel at the time of a collision. Likewise, home insurance protects damage caused by guests as well as the homeowner.

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