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Compare car insurance quotes online
to get the lowest rates

 

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.

Cheap

It's time to get your cheap on. See the cheapest insurance rates available for a driver with your profile, record, location, and vehicle.

Quick

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.

Free

Our quoting service is absolutely, 100% free for our users, so comparing quotes won't cost you a dime.

Easy

No rocket science here. Just fill in a few quick details about you and your vehicle and leave the rest to us.

Unbiased

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.

Comprehensive

We cast a wide net. Our quoter brings you 10+ personalized car insurance quotes from all the top insurers in the area where you live.

Secure

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.

Awesome

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.

$121.50

Check out a recent rate from one of our users.

Car Type
Honda Civic
Driver
57-year-old woman
Date
9:45 AM today
Get your rate

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:

Shop around

We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.

Buy the right coverage

Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.

Drive responsibly

It's true — your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.

Pay on time

Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.

Bundle up

Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.

Be safe, not sorry

Safety features like winter tires and alarm systems can help reduce your insurance premium.

Stick with one insurer

Most auto insurance companies give special discounts to customers who stay with them for a number of years.

Take a course

A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.

Keep driving

The math is clear: more experience on the road equals lower car insurance premiums.

Look at location

Where you drive affects your premiums. Some areas are associated with higher car accident and theft rates.

Choose the right car

Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.

Track your driving

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:

Liability insurance

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.

Emergency road service

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.

Comprehensive insurance

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

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.

Uninsured motorist coverage

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.

Direct compensation property damage 

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.

All-perils insurance

Provides protection for you against all types of perils except those specifically excluded from your policy.

Accidents benefits coverage

Provides you with medical care and income replacement benefits if you're injured in a car accident.

No-fault insurance

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.

Specified perils

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.