The Best Car Insurance Rates. Hands Down.

Save an average of $676 on car insurance.*

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No one wants to get milked

No one asks to get milked. But it happens. Especially when it comes to insurance. Because we’ve all got better things to do than shop for another rate.

We hear you. But that’s how you’re getting milked.
You take the first rate you find. Milked.
That renewal letter shows up and you just go with it. Milked.
You go with the first provider you ever had because reasons. Milked.

It’s easy to get milked because everything is more interesting than dealing with insurance.
That’s why RATESDOTCA is all for the power of comparison shopping, because no one deserves to be milked.

Everyone deserves a better rate.

How to get your auto insurance quotes on RATESDOTCA

Ready to compare quotes and save?


Tell us about your vehicle

Answer a few basic questions about your driving & car insurance history.

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Compare your quotes

See quotes from insurance companies side by side.

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Choose the right coverage

Find the right protection for your vehicle.

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Get Covered

Connect with the provider and secure your rate.

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COVID-19 Update: We’re here for you.

These are uncertain times, but one thing that is certain is our commitment to you. As an online business, we're set up to help you remotely so you can still take care of your insurance, mortgage and money decisions.

To learn about financial relief, insurance rebates, billing flexibility and other relief efforts offered by insurance and personal finance companies, read our COVID-19 insurance relief guide. You can also use our Covid-19 rebate calculator to figure out how much money these efforts can help you save on your auto insurance premiums during this unprecedented time.

How do I get a better car insurance rate?

You may have noticed that different insurance companies offer different rates for the same coverage. So how do you know if you have the best deal? By comparing quotes on RATESDOTCA of course!

There is a reason people trust us to find the cheapest car insurance quotes in Canada: we make insurance transparent, simple, and fun. By comparing quotes, you can easily see which company is offering you the best insurance rate, based on your unique driving history and insurance needs.

Last year, drivers who shopped for car insurance quotes on RATESDOTCA paid 30% less than the average market rate.* Ready to compare quotes and save on your car insurance policy? Let’s get started!

Car insurance in Canada: A national picture

Saskatchewan, Manitoba and British Columbia operate within a public car insurance model. Car insurance in these provinces is available through the government. In other provinces, including Alberta and Ontario, drivers must purchase insurance from private insurance companies. Quebec is the only province that uses a mix of both.

In each province and territory, a minimum amount of auto insurance is required by law. This typically includes third-party liability insurance, which covers medical expenses and property damage caused by the insured (aka, you). There’s also some level of accidents benefits or property damage coverage that is also mandatory.

Average rates vary across the country. According to the Insurance Bureau of Canada, British Columbia has the highest average auto insurance rate in Canada, averaging $1,832 per year. Ontario and Alberta are in second and third place, averaging $1,505 and $1,316 respectively. Drivers in Quebec pay the least in Canada, with an average premium of just $717.

Mandatory minimum auto insurance coverage across Canada

Province or Territory Mandatory Minimum Liability Mandatory Minimum Coverage Average Premiums in 2018 Average Premiums in 2019
Alberta Third party liability $200,000 Accident benefits $1,251 $1,316
British Columbia Third party liability $200,000 Accident benefits, Uninsured automobile protection $1,680 $1,832
Manitoba Third party liability $200,000 All perils (collision, comprehensive), Personal injury, Hit and run, Inverse liability protection $1,080 $1,080*
New Brunswick Third party liability $200,000 Accident benefits, Uninsured automobile protection, Direct Compensation – Property damage $819 $867
Newfoundland & Labrador Third party liability $200,000 Uninsured automobile protection $1,132 $1,168
Northwest Territories Third party liability $200,000 Property damage, personal injury $978 N/A
Nova Scotia Third party liability $500,000 Accident benefits, Uninsured automobile protection, Direct Compensation – Property damage $842 $891
Nunavut Third party liability $200,000 Property damage, Personal injury $963 N/A
Ontario Third party liability $200,000 Accident benefits, Direct Compensation – Property damage, Uninsured automobile protection $1,445 $1,505
Prince Edward Island Third party liability $200,000 Accident benefits, Uninsured automobile protection, Direct Compensation – Property damage $796 $816
Quebec Third party liability $50,000 Accident benefits, Property damage $661* $717
Saskatchewan Third party liability $200,000 Property damage, Personal injury $936* $1,235
Yukon Territories Third party liability $200,000 Property damage, Personal injury, $812 N/A

Average insurance premium numbers are according to data released by the Insurance Bureau of Canada press releases in July 2018 and August 2019.

* Previous year's average

Frequently asked questions about car insurance

Is it legal to drive without insurance?

No! All registered vehicles in Canada must have insurance, as required by law. If you own and drive a vehicle in Ontario, for example, you are required to take out a basic car insurance policy that includes four types of auto insurance. Vehicle owners in Ontario who do not carry valid auto insurance can be fined anywhere from $5,000 to $50,000. You also risk having your license suspended and your vehicle impounded, not to mention facing sky-high insurance rates in the future.

What factors affect my car insurance rates?

Insurance companies consider several factors when calculating your insurance rate.

  • Vehicle type: The type of vehicle you drive impacts the premiums you pay. Different vehicles are associated with different risks including their likelihood of being stolen, how much they cost to repair, their safety rating and features, and claims history. There is also some perceived behavioural risk associated with different vehicles. Insurers are more willing to offer low rates to drivers with “sensible” vehicles. As a result, when shopping for insurance, you might notice your dad’s 10-year old minivan suddenly seems more appealing.
  • Commute distance: How much you drive will also affect your premiums, which is why you are always asked to provide your anticipated vehicle usage when obtaining a car insurance rate. The more you drive, the higher the chance that you could be involved in a motor vehicle accident, and the more you will have to pay for insurance.
  • Driving history: Individuals with a clean driving can expect to pay lower premiums than those with tickets and/or accidents on their record. The number of years you have had a licence also matters.
  • Demographics: Where you live makes a difference. Areas with higher occurrences of theft and collisions result in higher premiums. Your age can also come into play. Drivers who are 25 years old or older will generally pay less to insure a vehicle. This is based on data that shows that younger, less experienced drivers are more likely to be involved in traffic collisions.
  • Coverage type: The larger the scope of the coverage and the higher the coverage limits you choose, the more you will pay for insurance. The deductible, which is the portion that you must pay out of pocket following a claim, is also important in the calculation of your insurance premium. If you are willing to take on more risk with a higher deductible, the insurer will offer a cheaper rate.
  • Discounts: Most insurance companies will provide you with discounts if you meet certain criteria. For example, if you have winter tires, or if you have more than one vehicle, you may be eligible for discounts. When you get quotes with RATESDOTCA, we ask the same questions as the insurers do to ensure you are getting the lowest possible price.

Is RATESDOTCA car insurance service available throughout Canada?

RATESDOTCA is currently available to drivers in Ontario and Alberta.

What information do I need to provide to get a quote?

RATESDOTCA makes it easy for you to get an accurate auto insurance quote. You will be asked to provide basic information about yourself that will help insurance companies determine your premium. All we need is:

  • Your age, gender and marital status.
  • Your name and address, and names of any other drivers in your household.
  • Your vehicle make and model.
  • Number of years you have held a licence.
  • Your insurance claims history.

Oh, and don’t worry, RATESDOTCA values your privacy, and will never sell your personal information. Your info will remain safe, secure, and protected.

Are the rates you show accurate?

What you see is what you get. The auto insurance quotes you receive are accurate, based on the details you provide. A representative from the insurance company will confirm your information before issuing a policy. As long as your details stay the same, so will your rate.

What’s a deductible, and how does it work?

A deductible is the amount of money you agree to pay in the event of a claim before the insurance coverage kicks in. A driver with a $500 deductible and $2,000 in damage resulting from an accident will pay $500 out of pocket while the insurance company covers the remaining $1,500. Think of a deductible as your share of the repair cost.

Your deductible will also determine your policy premium. The higher the deductible you are willing to pay, the lower your insurance rate will be.

How can I reduce my insurance rates?

There are many ways to save on your car insurance! Here are some tips to help you bring down the cost:

  • Take a ministry-approved driver’s education course
  • Bundle your home and car insurance with the same company
  • Increase your policy’s deductible
  • If you have an older vehicle, consider removing collision coverage
  • Maintain a clean driving record
  • Reduce your annual mileage by walking, cycling or taking transit
  • Compare rates annually, it’s the easiest way to save!

Which insurance companies will I get quotes from?

RATESDOTCA partners with over 50 top insurance companies in Canada, more than any other comparison site. Our partners include Intact, Aviva, Wawanesa, Jevco, Allstate, and Echelon, to name a few. See our full list of insurance partners here.

How much does it cost to use RATESDOTCA?

RATESDOTCA is 100% free to use. We are committed to saving you time and money.

What’s the catch?

There is no catch! There are no hidden costs or strings attached. We make our money from the partners we work with, not from you.

Is it cheaper to shop direct?

No. Your quotes come straight from the auto insurance companies. They are the same rates you would get if you called them directly.

The last word

RATESDOTCA makes buying car insurance easy. We compare more insurance providers than anyone else, so you can be confident that you are getting the best deal.

*Shoppers in Ontario who obtained a quote on RATESDOTCA 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 RATESDOTCA.

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