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Get Cheap Car Insurance Quotes in Canada

Drivers save $772* on average on car insurance with RATESDOTCA.

Compare car insurance quotes from companies across Canada

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How to get auto insurance quotes on RATESDOTCA

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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.

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Recent car insurance quotes

Shopper from CORNWALL, ONTARIO
2015 JEEP GRAND CHEROKEE LAREDO 4DR 4WD 16:55 EDT on May 18, 2022
$ 1882
Per year
Company A (Cheapest Rate)
$ 1933
Per year
Company B
$ 2351
Per year
Company D (Highest Rate) Company C
Range of Quotes
$ 469
Shopper from GRIMSBY, ONTARIO
2016 CHEVROLET TRUCK/VAN COLORADO LT CREW CAB 2WD 18:04 EDT on May 06, 2022
$ 1458
Per year
Company A (Cheapest Rate)
$ 1498
Per year
Company B
$ 1660
Per year
Company D (Highest Rate) Company C
Range of Quotes
$ 202
Shopper from WHITBY, ONTARIO
2012 NISSAN ALTIMA 2.5 S 4DR 12:04 EDT on Apr 27, 2022
$ 551
Per year
Company A (Cheapest Rate)
$ 1078
Per year
Company B
$ 1267
Per year
Company D (Highest Rate) Company C
Range of Quotes
$ 716
Shopper from WELLAND, ONTARIO
2021 CHEVROLET TRUCK/VAN TRAILBLAZER RS TURBO 4DR AWD 14:11 EDT on Apr 08, 2022
$ 962
Per year
Company A (Cheapest Rate)
$ 1315
Per year
Company B
$ 2439
Per year
Company D (Highest Rate) Company C
Range of Quotes
$ 1477

What is a car insurance quote?

A car insurance quote estimates your premium for a car insurance policy. Insurance companies calculate the quote using the information you provide, such as your age, car you drive, driving history, and postal code. Every insurer uses a unique formula to calculate your car insurance quote, so even if you provide the same information to different insurance companies, no two quotes will look the same.

After applying for a policy, an insurance company's next step is to figure out how much risk you pose to them — what is the likelihood of you getting into a car accident, and how expensive will the damage be?

Insurance companies use roughly the same methodology to assess risk. Here are the main things that influence your rate:

  • Your age
  • Your forward sortation area (the first three letters of your postal code)
  • How long you've had your licence
  • The type of car you're looking to insure
  • Your insurance history

In addition to the criteria above, car insurance companies in Ontario can also use the following factors to calculate your rate:

  • Your gender
  • Your licence level

Depending on your answers, insurers will place you in a specific rating group (people with similar profiles). Your rating group determines how much you pay for coverage.

Insurance companies have an ideal customer they want to attract. Most insurers reserve their lowest rates for experienced drivers over 50.

On the other hand, some companies are willing to assume more risk, so they offer inexperienced drivers coverage at competitive rates. You can't tell which insurer will provide you with the lowest rate based on their advertisements. It's better to compare rates from multiple insurance companies.

Use our car insurance calculator to calculate and compare your auto insurance quotes from 50+ Canadian car insurance companies all at once to find your best quote.

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Why should I compare car insurance quotes from different insurance companies?

Which car insurance company is right for you? It's impossible to know for sure if you don't shop the market.

Insurance companies charge different rates for the same coverage. That means there are savings to be found. Last year, drivers who shopped for car insurance quotes on RATESDOTCA saved an average of $772 on their annual premium.*

RATESDOTCA makes insurance transparent, simple, and fun. By comparing quotes, you can easily see which company offers you the best insurance rate based on your unique driving history and insurance needs.

Find out why people trust us to find the cheapest car insurance quotes in Canada and compare rates today. Ready? Let's get started.

Information that you need to get and compare car insurance quotes online

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:

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

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The types of car insurance coverage in Canada

Auto insurance is required by law in every Canadian province and territory. The type(s) or coverage and the amount of coverage required vary by location.

Mandatory car insurance requirements typically include the following coverages:

  • Third-Party Liability
  • Direct Compensation-Property Damage (DC-PD)
  • Uninsured Automobile Insurance
  • Accident Benefits

Here’s a breakdown of each of these coverages:

  • Third-party liability: This coverage protects against losses incurred from third-party claims when you are found to be at-fault for an accident. This includes damage to someone else’s property, bodily injury or death. Your auto insurance quote will always include third-party auto insurance coverage, because it's mandatory across all provinces and territories in Canada.
  • Direct compensation-property damage (DC-PD): This coverage means the insurer compensates you directly when your vehicle is damaged in an accident for which you are not at fault. It covers the damage to your vehicle, its contents and the loss of use of your vehicle. Property damage coverage is mandatory in Canada, except in Alberta, British Columbia, Manitoba, and Newfoundland & Labrador.
  • Uninsured automobile protection: This coverage protects you if you get in an accident with someone who does not have valid insurance coverage. It can also protect you if you’re the victim of a hit-and-run.
  • Accident benefits: This coverage protects you from injury in a collision, whether you are the driver, a passenger, pedestrian or cyclist. There are four main types of accident benefit coverages: income replacement, medical benefits, death/funeral benefits and miscellaneous benefits.

Optional car insurance coverages

These are the optional coverages you can add to a car insurance policy. Note that in some provinces or territories, these coverages may be mandatory.

  • Collision coverage: This coverage protects your vehicle against damage that occurs from a collision with an object (like another car). With this coverage, your provider will pay to repair or replace your vehicle, up to its actual cash value, regardless of who is at fault. Collision insurance is not mandatory, except in Manitoba.
  • Comprehensive coverage: Comprehensive insurance covers non-collision damage to your vehicle, such as theft, hail, vandalism, etc. Comprehensive insurance is only mandatory in Manitoba.
  • Specified perils coverage: This coverage protects against damages caused by named perils, such as theft, attempted theft, explosions and natural disasters, like fire or lightning. Only perils specified by the policy are covered.
  • All-perils coverage: This coverage is a combination of both collision and comprehensive insurance. All perils coverage protects your vehicle from all causes of loss except those directly mentioned as exclusions in your policy. It also provides additional protection if your car is stolen or damaged by another driver.

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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 Annual Premiums
Alberta Third party liability $200,000 Accident benefits $1,316
British Columbia Third party liability $200,000 Accident benefits, Uninsured automobile protection $1,832
Manitoba Third party liability $200,000 All perils (collision, comprehensive), Personal injury, Hit and run, Inverse liability protection $1,140
New Brunswick Third party liability $200,000 Accident benefits, Uninsured automobile protection, Direct Compensation – Property damage $867
Newfoundland & Labrador Third party liability $200,000 Uninsured automobile protection $1,168
Northwest Territories Third party liability $200,000 Property damage, personal injury $978*
Nova Scotia Third party liability $500,000 Accident benefits, Uninsured automobile protection, Direct Compensation – Property damage $891
Nunavut Third party liability $200,000 Property damage, Personal injury $963*
Ontario Third party liability $200,000 Accident benefits, Direct Compensation – Property damage, Uninsured automobile protection $1,505
Prince Edward Island Third party liability $200,000 Accident benefits, Uninsured automobile protection, Direct Compensation – Property damage $816
Quebec Third party liability $50,000 Accident benefits, Property damage $717
Saskatchewan Third party liability $200,000 Property damage, Personal injury $1,235
Yukon Territories Third party liability $200,000 Property damage, Personal injury, $812*

Above annual average insurance premium are according to data released by Insurance Bureau of Canada, 2020.

* Annual average of year 2017

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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, you are required to take out a basic car insurance policy that includes all mandatory coverages. Drivers 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.

Is RATESDOTCA car insurance service available throughout Canada?

RATESDOTCA is currently available to drivers in Ontario and Alberta.

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 your 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.

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 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, and we are committed to saving you time and money.

What's the catch?

There's no catch and no hidden costs or strings attached. We make our money from our partners, 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 July to December 2021 saved an average amount of $772. 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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