Compare the lowest rates in Canada to save time and money.

Get quotes instantly for insurance, mortgages, credit cards, and loans. The best part? It's free, and the top financial providers in the country will compete for your business. Start saving today by comparing options from 75+ Canadian providers.

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Get quotes from 75+ Canadian providers in 3 minutes
Get quotes from 75+ Canadian providers in 3 minutes
Compare rates from 75+ Canadian providers in 3 minutes
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Compare the best credit cards in Canada
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Get quotes from 75+ Canadian providers in 3 minutes

Join the millions of Canadians saving money right here.

LowestRates.ca is an online rate comparison website for insurance, mortgages, loans, and credit cards. Our free, independent service saves you time and money by comparing products offered by Canada’s leading financial institutions and providers, all in one place. Our mission? To help Canadians become more financially literate, and so far we’ve helped our users save more than $1 billion in interest and fees. Learn more about LowestRates.ca

Compare offers from 75+ top Canadian providers

It’s okay to gloat when you find the best price on car insurance.

Find the best rates on auto insurance, fast. We compare the cheapest car insurance quotes from 75+ Canadian insurance providers. Save hundreds, or even thousands, of dollars per year on your policy as insurance companies compete for your business.

Get an Auto Insurance Quote
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See how our customers save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from May 23, 2022
Customer
Male, 24 years old
Location
ontario
Vehicle
2022 HYUNDAI KONA PREFERRED 4DR AWD
Lowest Rate
$106/mth
$1,272/yr
Average Rate
$175/mth
$2,103/yr
Saved
$69/mth
40.00%
Quote from May 23, 2022
Customer
Male, 63 years old
Location
ontario
Vehicle
2002 LEXUS ES 300 4DR
Lowest Rate
$148/mth
$1,774/yr
Average Rate
$260/mth
$3,117/yr
Saved
$112/mth
43.00%

Get the best home insurance rate while you’re at it.

Applying for home insurance can be a pain, but our quoter makes it quick and simple to compare home insurance quotes from 75+ Canadian providers. We're not only promising to save you money (which we will), but we'll also save you the hassle of having to try to compare the market on your own. Bundle with your auto insurance policy and get an additional discount on your home insurance.

Get a New Home Insurance Rate
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See how much you could be saving on home insurance.

Type of homeLocationPrevious claimsLowest rateAverage rateSaved
Quote from May 23, 2022
Type of home
Detached 1,957 sq ft
Location
Alberta
Previous claims
None
Lowest Rate
$149/mth
$1,792/yr
Average rate
$299/mth
$3,590/yr
Saved
$150/mth
50.00%
Quote from May 23, 2022
Type of home
Detached 1,130 sq ft
Location
Alberta
Previous claims
None
Lowest Rate
$83/mth
$995/yr
Average rate
$170/mth
$2,036/yr
Saved
$87/mth
51.00%

When it comes to mortgage rates, every decimal point matters.

Get the best mortgage rates in seconds from 75+ of Canada's leading banks and brokers. See the lowest rates currently offered in your area and access special deals available exclusively at LowestRates.ca. You can save thousands of dollars on interest and skip all the negotiating with our free, no obligation service.

Compare Mortgage Rates

Today’s lowest mortgage rates in:

5-year fixed

As low as

3.69 %
5-year variable

As low as

2.00 %

‘Cause not all credit cards are created equal.

Get the right credit card the first time. Compare offers from Canada’s leading credit card providers and find the perfect card in just minutes.

Find Your Credit Card
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Frontview of a credit card. Illustration.

How much cash back could you get in one year on the Scotia Momentum Visa Infinite card?

If you spent:

 

Total cash back

$ 0

Find Your Credit Card

Why choose LowestRates.ca?

75+ trusted partners (and growing) on our site to compare mortgage rates, insurance and credit cards

$1 billion+ saved in interest and fees

14+ million Canadians helped per year

High praise for LowestRates.ca

Excellent
Based on 427 reviews
May 18
Sandra was amazingly personable
Sandra was amazingly personable, efficient and knowledgeable. Kudos! A great ser...
Rachel Constantine
May 18
Lowest Insurance rate I have ever comes…
Lowest Insurance rate I have ever comes across. My broker Tracy is easy to talk ...
Abel Pat
May 17
I have had a good expierience with the…
I have had a good expierience with the insurance agent, but I need more time to ...
Earl Thompson
May 13
Car and home insurance
It was great experience and very helpful for what I needed!!!!
Maria GEstrela
May 12
Love the experience
I was able to save a lot in my auto insurance. Initial online process was fast. ...
Mohammad Saiful Islam
May 11
Northland Volkswagon Excellent Service
I have been a customer of Northland Volkswagon for a few years and have always f...
Bonnie Kenny
May 11
Very accurate quotes that are fast …
Very accurate quotes that are fast thanks guys
BaselFarhat
May 10
Very pleasant and helpful
Very pleasant and helpful. No pressure there for the client
Dakota JCooper
May 6
Great help and very nice people
Great help and very nice people, got everything figured out fast!
Rhianna
May 5
They so friendly and informative
They so friendly and informative! Keep it up
Emmanuel CVillafuerte
May 5
Quick and courteous follow-up
Quick and courteous follow-up, connected me with a broker instantly.
Taylor
April 27
Great experience
Was great, provided a few quotes and I felt no pressure to accept any of them. I...
Andrew
April 19
Friendly and professional service
Friendly and professional service; great and affordable rates. Saved 700 annuall...
Azeee
April 19
This company does Follow up and Follow…
This company does Follow up and Follow through and that is so necessary because ...
Wendy Kinsey
April 13
Quick to respond and very competitive…
Quick to respond and very competitive rates offered.
Vincent EdwardWarren

We’re here to help.

Here are some frequently asked questions about LowestRates.ca.

What does LowestRates.ca do?

We're a site where Canadians can compare rates on financial products for free from 75+ of Canada's top providers. With our technology, you can see the rates multiple companies are willing to offer you all at once. That includes auto and home insurance, mortgages, credit cards, and more. We're always adding more products to our roster so that you have the best experience possible.

What’s the advantage of comparing financial products online?

Comparison shopping is the best way to make sure you’re getting the lowest rate. You could go to every lender or insurance company directly for a quote — but that would waste a lot of time. LowestRates.ca takes care of the heavy lifting by comparing the market for you.

Is LowestRates.ca a broker?

No, LowestRates.ca isn’t a broker. We’re a comparison website that allows you to easily view quotes from multiple providers, all in one place. If you find an attractive mortgage or insurance rate on LowestRates.ca, we can connect you directly with a licensed broker to secure your rate ASAP.

Are there any fees associated with using LowestRates.ca?

Never! It’s 100% free to compare all financial products on LowestRates.ca, and there’s no obligation to accept the rates we offer you.

How does LowestRates.ca make money?

We connect Canadians with the right financial companies for their unique needs. In turn, companies pay LowestRates.ca a fee when we refer customers to them. There's no cost to you, our users, and we only work with reputable, trustworthy institutions.

What provinces does LowestRates.ca work in?

Quotes for mortgage rates, home and life insurance and credit cards are available across Canada. Auto insurance quotes are available in Ontario, Alberta, Quebec, New Brunswick, Newfoundland and Labrador, Nova Scotia, Prince Edward Island, Yukon, Northwest Territories and Nunavut.

How do I know I’m actually getting the lowest rate?

We have a strong selection of lenders on LowestRates.ca including the big banks and many independent providers. This ensures we’re always finding competitive rates for our users. Even if you’re not ready to commit to anything, you can use our site as a starting point for research (it’s totally free and you’re under no obligation!).

The better informed you are, the more likely you'll negotiate a better deal for yourself. And, really, that’s what we care about the most.

How does LowestRates protect my personal information?

We’ve designed our service around your security. That means on LowestRates.ca, you can find a better deal while disclosing as few details as possible. On top of that, our site is SSL-encrypted to keep your information secure from nosy third parties. We’ll refer you to our insurance, mortgage, and credit card partners if you find a rate you like — but only after you give us permission. We won’t share your personally identifiable information with our partners without your consent.

 

Sharing rates, not your information.

We pledge to protect your information to the highest degree. Rest assured, you won’t hear from annoying spammers after using LowestRates.ca. We also won’t share your information with any of our partners in our digital marketplace without your permission. That’s our promise and we’re sticking to it.

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