# Rates.ca

> Rates.ca is a Canadian digital marketplace where consumers can instantly compare car insurance, home insurance, business insurance, and mortgage rates from 50+ providers across Canada. The platform is free to use with no obligation to purchase. Rates.ca does not offer life insurance, health insurance, travel insurance, or credit card comparison.

Rates.ca operates across all major Canadian provinces including Ontario, Alberta, and British Columbia. The platform aggregates quotes from major insurers, banks, credit unions, and mortgage brokers. It also publishes original research, rate trackers, and financial calculators to help Canadians make informed financial decisions.

## About

- [About Rates.ca](https://rates.ca/about-us): Who we are, how the platform works, and our mission to help Canadians find the best rates.
- [How We Make Money](https://rates.ca/how-we-make-money): Transparent disclosure of our referral-based business model — Rates.ca earns referral fees from providers, not consumers.
- [Editorial Policy](https://rates.ca/editorial-policy): The editorial principles guiding Rates.ca's independent coverage of insurance and mortgages in Canada.

## Car Insurance

- [Car Insurance Quotes](https://rates.ca/insurance-quotes/auto): Compare car insurance quotes from 50+ providers across Canada — free, instant, no obligation.
- [Ontario Car Insurance](https://rates.ca/insurance-quotes/auto/ontario): Compare auto insurance quotes from Ontario's top providers; Ontario is Canada's largest car insurance market.
- [Alberta Car Insurance](https://rates.ca/insurance-quotes/auto/alberta): Compare quotes from Alberta's top insurers; Alberta auto insurance rates are reviewed and change quarterly.
- [Alberta Car Insurance Rate Tracker](https://rates.ca/insurance-quotes/auto/alberta/rate-tracker): Quarterly tracker showing Alberta auto insurance rate changes by individual provider — original Rates.ca data.
- [Ontario Car Insurance Rate Tracker](https://rates.ca/insurance-quotes/auto/ontario/rate-tracker): Quarterly tracker showing Ontario auto insurance rate changes by individual provider — original Rates.ca data.
- [BC Car Insurance](https://rates.ca/insurance-quotes/auto/british-columbia): Compare ICBC Autoplan brokers and rates in British Columbia; BC operates a public auto insurance model through ICBC.
- [Quebec Car Insurance](https://rates.ca/insurance-quotes/auto/quebec): Compare car insurance quotes for Quebec drivers; Quebec has a hybrid public-private auto insurance system.
- [Usage-Based Car Insurance](https://rates.ca/insurance-quotes/auto/usage-based): Compare telematics-based car insurance quotes for Canadian drivers from 30+ providers — rates based on actual driving behaviour.
- [Electric Vehicle Insurance](https://rates.ca/insurance-quotes/auto/electric-vehicle): Compare car insurance quotes specifically for electric vehicles in Canada from 50+ providers.

## Home Insurance

- [Home Insurance Quotes](https://rates.ca/insurance-quotes/home): Compare home insurance quotes from top Canadian providers in under one minute — free, no obligation.
- [Ontario Home Insurance](https://rates.ca/insurance-quotes/home/ontario): Compare home insurance quotes from Ontario's top providers.
- [Alberta Home Insurance](https://rates.ca/insurance-quotes/home/alberta): Compare home insurance quotes from Alberta's top insurance companies.
- [BC Home Insurance](https://rates.ca/insurance-quotes/home/british-columbia): Compare and find the most competitive home insurance quotes in British Columbia.
- [Condo Insurance](https://rates.ca/insurance-quotes/condo): Compare condo insurance quotes across Canada for contents and structure coverage.
- [Tenant Insurance](https://rates.ca/insurance-quotes/tenant): Compare tenant and renters insurance quotes across Canada.
- [Home and Auto Bundle](https://rates.ca/insurance-quotes/home-auto-insurance-bundle): Compare bundled home and auto insurance quotes from Canadian providers to maximize multi-policy savings.

## Business Insurance

- [Business Insurance Quotes](https://rates.ca/insurance-quotes/business): Compare small business insurance quotes across Canada tailored by industry type.
- [Small Business Insurance](https://rates.ca/insurance-quotes/business/small-business): Coverage options and quotes for small businesses across Canada.
- [General Liability Insurance](https://rates.ca/insurance-quotes/business/general-liability): Compare commercial general liability insurance quotes for Canadian businesses.
- [Professional Liability Insurance](https://rates.ca/insurance-quotes/business/professional-liability): Compare errors and omissions (E&O) insurance quotes for Canadian professionals and service businesses.
- [Commercial Property Insurance](https://rates.ca/insurance-quotes/commercial-property): Compare commercial property insurance quotes for Canadian businesses.

## Mortgage Rates

- [Best Current Mortgage Rates in Canada](https://rates.ca/mortgage-rates): Compare current mortgage rates from 50+ Canadian banks, credit unions, and brokers — updated regularly.
- [5 Year Fixed Mortgage Rates](https://rates.ca/mortgage-rates/5-year-fixed): Compare today's best 5-year fixed mortgage rates in Canada — the country's most popular mortgage term.
- [5 Year Variable Mortgage Rates](https://rates.ca/mortgage-rates/5-year-variable): Compare 5-year variable rate mortgages from major Canadian lenders.
- [HELOC Rates](https://rates.ca/mortgage-rates/heloc): Compare home equity line of credit (HELOC) rates from major Canadian banks and lenders.
- [Mortgage Renewal Rates](https://rates.ca/mortgage-rates/renewal): Best current rates for Canadians renewing their mortgage — compare before accepting your lender's offer.
- [Ontario Mortgage Rates](https://rates.ca/mortgage-rates/ontario): Current mortgage rates from 50+ providers specific to Ontario borrowers.
- [Second Mortgage Rates](https://rates.ca/mortgage-rates/second-mortgage): Compare second mortgage rates from 50+ Canadian lenders for homeowners seeking additional financing.
- [Reverse Mortgage Rates](https://rates.ca/mortgage-rates/reverse-mortgage): Compare reverse mortgage rates for eligible Canadian homeowners aged 55 and older.
- [Bank of Canada Rate](https://rates.ca/mortgage-rates/bank-of-canada): How the Bank of Canada's overnight rate and monetary policy decisions affect Canadian mortgage rates.
- [Prime Rate Canada](https://rates.ca/mortgage-rates/prime-rate-canada): Current Canadian prime rate and its direct impact on variable-rate mortgages and HELOCs.
- [Canada Mortgage Rate Forecast](https://rates.ca/mortgage-report): Rates.ca's current mortgage rate forecast and Canadian housing market outlook — updated regularly.

## Mortgage Calculators

- [Mortgage Payment Calculator](https://rates.ca/mortgage-calculators/mortgage-payment): Calculate monthly Canadian mortgage payments based on rate, term, and amortization period.
- [Mortgage Affordability Calculator](https://rates.ca/mortgage-calculators/mortgage-affordability): Determine the maximum mortgage amount a Canadian borrower qualifies for based on lender criteria.
- [Mortgage Stress Test Calculator](https://rates.ca/mortgage-calculators/mortgage-stress-test): Calculate whether a Canadian borrower passes the federal mortgage stress test at current qualifying rates.
- [Land Transfer Tax Calculator](https://rates.ca/mortgage-calculators/land-transfer-tax): Estimate land transfer tax owing on a property purchase in any Canadian province, including Ontario's municipal LTT.
- [Closing Cost Calculator](https://rates.ca/mortgage-calculators/home-closing-cost-calculator): Estimate total closing costs on a Canadian property purchase.
- [Mortgage Refinance Calculator](https://rates.ca/mortgage-calculators/mortgage-refinance): Calculate potential savings and new payment amounts from refinancing a Canadian mortgage.

## Research & Original Data

- [Annual Best Auto Insurance Study](https://rates.ca/annual-best-auto-insurance-study): Rates.ca's annual ranking of Ontario auto insurers by trustworthiness and claims experience — independent consumer research.
- [Home Insuramap Report 2025](https://rates.ca/home-insuramap-report-2025): Original Rates.ca research mapping regional home insurance price disparities across Ontario by postal code area.
- [Canada Mortgage Rate Forecast](https://rates.ca/mortgage-report): Rates.ca's proprietary mortgage rate forecast and housing market outlook for Canada — updated regularly.
- [Alberta Car Insurance Rate Tracker](https://rates.ca/insurance-quotes/auto/alberta/rate-tracker): Ongoing original data tracking quarterly Alberta auto insurance rate changes by provider.
- [Ontario Car Insurance Rate Tracker](https://rates.ca/insurance-quotes/auto/ontario/rate-tracker): Ongoing original data tracking quarterly Ontario auto insurance rate changes by provider.
- [News & Resources](https://rates.ca/resources): Current news and guides covering Canadian insurance, mortgages, and personal finance.
- [Guides](https://rates.ca/guides): In-depth Canadian consumer guides on car insurance, mortgages, and credit cards.