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 50+ Canadian providers.

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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 50+ 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 50+ 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 with collision coverage save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from April 16, 2024
Customer
Female, 47 years old
Location
ontario
Vehicle
2018 NISSAN SENTRA 1.8 SV 4DR
Lowest Rate
$320/mth
$3,837/yr
Average Rate
$413/mth
$4,961/yr
Saved
$94/mth
22.66%
Quote from April 16, 2024
Customer
Male, 28 years old
Location
ontario
Vehicle
2019 HYUNDAI SONATA ESSENTIAL 4DR
Lowest Rate
$331/mth
$3,977/yr
Average Rate
$418/mth
$5,016/yr
Saved
$87/mth
20.71%
Quote from April 16, 2024
Customer
Male, 24 years old
Location
ontario
Vehicle
2017 HYUNDAI SONATA GL 4DR
Lowest Rate
$748/mth
$8,975/yr
Average Rate
$963/mth
$11,559/yr
Saved
$215/mth
22.35%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

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 50+ 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 our customers save big on home insurance.

Type of homeLocationPrevious claimsLowest rateAverage rateSaved
Quote from April 16, 2024
Type of home
Detached 1,077 sq ft
Location
British Columbia
Previous claims
None
Lowest Rate
$55/mth
$660/yr
Average rate
$94/mth
$1,128/yr
Saved
$39/mth
$468/yr (41.00%)
Quote from April 16, 2024
Type of home
Detached 1,602 sq ft
Location
Alberta
Previous claims
None
Lowest Rate
$164/mth
$1,968/yr
Average rate
$215/mth
$2,580/yr
Saved
$52/mth
$624/yr (24.00%)
Quote from April 16, 2024
Type of home
Detached 1,065 sq ft
Location
Ontario
Previous claims
None
Lowest Rate
$112/mth
$1,344/yr
Average rate
$315/mth
$3,780/yr
Saved
$203/mth
$2,436/yr (64.00%)
Home insurance quotes are compared from CAA, Dominion Insurance, Economical Insurance, Gore Mutual, Max Insurance, Pembridge, SGI, Square One Insurance, and Wawanesa Insurance.

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

Get the best mortgage rates in seconds from 50+ 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

4.79 %
5-year variable

As low as

6.00 %

‘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
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?

50+ 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

April 17
It was very nice talking to you,I got…
It was very nice talking to you,I got more information about renewing my mortgag...
Bujar Xhemollari
April 16
The Agent was very kind and helpful!
The Agent was very kind and helpful!
Istvan Kiraly
April 16
Great customer care she is good 👍
Great customer care she is good 👍
Anthony Odia
April 15
Simple and clear!!
Fast response ! Friendly knowledgeable staff!
Kent Fewer
April 15
great rep provided all the information…
great rep provided all the information I needed to make an informed choice
KAREN FOBERT
April 12
After I got the quotes somebody…
After I got the quotes somebody followed up with me and put me trough with an ag...
Stefan Ciucas
April 12
fast responce
fast responce, great people to talk to explaining everything, What a Great web s...
Larry Rowthorn
April 11
I liked the company referred to me
I liked the company referred to me. It definitely had the best rates but was a l...
Helena Goodwin
April 10
We find a good insurance company for…car and home
We find a good insurance company for our car and home. The broker who contact us...
Juan Garibaldi
April 9
Very helpful advice and great overall…
Very helpful advice and great overall service.
mark
April 6
Easy to deal with and very helpful
Very easy, good use of technology and customer follow up was awesome
Steve Miller
April 6
Easy and friendly process.
Easy and friendly process.
shr
April 5
So good service ,,
So good service ,,, Tammy service me so so good
Son Nguyen
April 5
Very good service.
Very good service.
Tanya Neufeld Eckert
April 4
Sirvse was very good with jame thank…
Sirvse was very good with jame thank you for your help
Jawdat Salah

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 50+ 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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