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

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
Front view of a car. Illustration.

See how our customers save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from December 07, 2021
Customer
Male, 31 years old
Location
ontario
Vehicle
2008 PONTIAC TRUCK/VAN MONTANA SV6
Lowest Rate
$67/mth
$803/yr
Average Rate
$103/mth
$1,240/yr
Saved
$36/mth
35.00%
Quote from December 07, 2021
Customer
Male, 24 years old
Location
ontario
Vehicle
2017 VOLKSWAGEN GTI 2.0 TSI 4DR HATCHBACK
Lowest Rate
$134/mth
$1,611/yr
Average Rate
$268/mth
$3,219/yr
Saved
$134/mth
50.00%

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
Outline of a house. Illustration.

See how much you could be saving on home insurance.

Type of homeLocationPrevious claimsLowest rateAverage rateSaved
Quote from December 07, 2021
Type of home
Townhouse 1,786 sq ft
Location
Ontario
Previous claims
None
Lowest Rate
$92/mth
$1,100/yr
Average rate
$138/mth
$1,657/yr
Saved
$46/mth
34.00%
Quote from December 07, 2021
Type of home
Detached 2,891 sq ft
Location
British Columbia
Previous claims
None
Lowest Rate
$65/mth
$776/yr
Average rate
$133/mth
$1,595/yr
Saved
$68/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

2.14 %
5-year variable

As low as

0.90 %

‘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
Hand holding a credit card. Illustration.
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 355 reviews
November 25
I was so pleased with the service from…
I was so pleased with the service from this site!! Lowestrates.ca directed me to...
Nicole E
November 17
they find the lowest rates and explain…
they find the lowest rates and explain options saves a lot of time when renewing...
terry nauss
November 17
10/10.
10/10.. You can trust and bet for the best possible result with Mr sunny Leung. ...
Sijo
November 15
Get rates
This program came up with super great rates for my car and apartment. Many than...
Sandra Dunne
November 4
It was a good experience
It was a good experience
BRIAN FEX
November 4
Our insurance broker advised us of a…
Our insurance broker advised us of a change in insurer beginning 1 January 2022 ...
DT
October 26
Easy to use
Easy to use, easy to find the result that you're looking for! 5 star coverage!
KS
October 25
Please recall if people can not pick…
Please recall if people can not pick the phone on time
Doan Vu
October 19
Lowestrates.ca did find a much lower…
Lowestrates.ca did find a much lower rate than I currently pay. Super prompt and...
Tom R Cross
October 17
Super easy to use
Super easy to use, and gives you best comparison prices for insurance. Saved 250...
Louise Villeneuve
October 15
Great service and very helpful :) would…
Great service and very helpful :) would definitely recommend
Emily Peacock
October 14
It's great
It's great, found the best rates.
Chirath Ranaweera
October 14
Fast and pleasant experience
Fast and pleasant experience. Saved a lot of money too!
stephenblaszko
October 14
Fast response
Fast response
AnarieD'Agostino
October 13
From the online process to the first…
From the online process to the first contact speaking to a rep it’s was a good...
Rose Daniel

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.

MoneyMinded

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