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Looking for the best rates on car insurance? You've come to the right place. At LowestRates.ca, we’ll help you compare the most competitive offers from Canada’s leading auto insurance companies. You’ll get the policy that suits you best while saving time and money.
Just fill out our insurance form and click 'Compare' to find your quotes. Auto insurance rates for the same driver with the same car can vary wildly between insurance companies, which is why comparing rates is the only way to get the best deal.
It's time to get your cheap on. See the cheapest insurance rates available for a driver with your profile, record, location, and vehicle.
Not quite the blink of an eye, but close. We ask only six questions to get the ball rolling, and then you'll get your car insurance quotes in under 3 minutes.
Our quoting service is absolutely, 100% free for our users, so comparing quotes won't cost you a dime.
No rocket science here. Just fill in a few quick details about you and your vehicle and leave the rest to us.
At LowestRates.ca, top insurers compete for your business on an even playing field. They provide their best rates, and we compare them for you.
We cast a wide net. Our quoter brings you 15+ personalized car insurance quotes from all the top insurers in the area where you live.
We only ask for the details we need to find you the best quotes in your area. Your information will never be given to a third party.
What's better than getting the best rates on car insurance in under 3 minutes, for free? Getting to save your time and money too.
How do I find the cheapest auto insurance rates?
Online quote comparison sites like LowestRates.ca make it simple – just fill out our auto insurance form with your driver details (postal code, driving experience, vehicle make and model, etc.), and then we'lll find and rank the cheapest auto insurance rates available to you.
Once you've selected your quote, you'll be able to speak directly with an insurance broker who'll help you lock in your rate with the insurance company and get set up with your new policy. Shopping for car insurance has never been quicker or easier.
Check out a recent rate from one of our users.
- Car Type
- Honda Civic
- 57-year-old woman
- 9:45 AM today
What can I do to get cheap car insurance?
It's easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:
We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.
Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.
It's true — your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.
Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.
Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.
Safety features like winter tires and alarm systems can help reduce your insurance premium.
Most auto insurance companies give special discounts to customers who stay with them for a number of years.
A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.
The math is clear: more experience on the road equals lower car insurance premiums.
Where you drive affects your premiums. Some areas are associated with higher car accident and theft rates.
Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.
With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.
Types of auto insurance coverage
Getting the best auto insurance policy isn't just about the lowest price. It's also about finding the right coverage, so you'll be financially protected if you get into an accident.
Here are the categories of coverage available in Canada:
This insurance is required by law throughout Canada. It covers the costs associated with damages caused to another person or vehicle in an accident, including medical bills, rehabilitation, lost earnings, legal fees, and other expenses up to the limit of your policy. As a practical matter, you'll want enough insurance to cover a judgment against you in a major accident so that your personal assets won't be put at risk.
ERS insurance provides you with roadside assistance in the event of a breakdown or mishap while you're out driving. It also covers the cost of getting your car back on the road. Those costs may include light mechanical labour, an oil or gas delivery, new batteries, a boost, tire changes, locksmith services, or even a tow. With help on the way, ERS takes the stress out of a breakdown.
This type of auto insurance covers damages resulting from incidents that aren't related to car accidents or collisons. Comprehensive coverage often includes hazards like extreme weather, vandalism, falling objects, fire, theft, and flooding.
Collision insurance covers damage to your car in the event of a vehicle rollover or a collision with another vehicle or object. If your car is totalled, collision insurance will pay the cost of replacing it.
Covers costs related to your injury or death after an accident caused by another driver who's either uninsured or unidentified, as in the case of a hit-and-run driver. Keep in mind that this coverage only pays for damage to your vehicle if the uninsured driver is also identified.
Available only in New Brunswick, Nova Scotia, Ontario, and Quebec, DCPD covers your car for losses and damages after an accident that you weren't entirely responsible for. But the other driver has to be identified, insured, and found to be at least partially at fault.
Provides protection for you against all types of perils except those specifically excluded from your policy.
Provides you with medical care and income replacement benefits if you're injured in a car accident.
Deal with your own insurer regardless of who's at fault in an accident. With no-fault insurance, you don't have to pursue the other driver's insurance provider to get compensation. Your insurer will pay for your benefits, so your medical bills get covered and you can get back on the road.
This type of auto insurance only covers the perils named in your policy, and it generally includes commonly occuring hazards such as fire, theft, hail, and windstorms. Specified perils is often purchased as a cheaper alternative to comprehensive insurance.