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Looking for the best rates on car insurance? You've come to the right place. 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.

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See how our customers save big on auto insurance.

CustomerLocationVehicleLowest RateHighest RateRange
Male, 42 years oldOntario2007 BMW 328xi 4DR AWD$776/yr$2,900/yr$2,124
Female, 41 years oldOntario2009 HONDA CIVIC DX 4DR$1,402/yr$5,444/yr$4,042
Female, 60 years oldOntario2009 NISSAN SENTRA 2.0 S 4DR$1,299/yr$3,348/yr$2,049

Compare car insurance quotes online to get the lowest rates.

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.

Your auto insurance questions, answered.

Looking for more auto insurance info? Check out our Help Centre.

How do I find the cheapest auto insurance rates?

LowestRates.ca makes 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'll 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.

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

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 rates of car accidents and theft.

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.

Is auto insurance different from province to province?

Yes, auto insurance systems, coverage, and rates vary greatly depending on where your vehicle is registered.

Some provinces, like Saskatchewan, Manitoba, and British Columbia, have government administered auto insurance programs. Quebec uses a hybrid system – the government provides personal injury coverage while property damage coverage is set by private insurers.

Alberta, Ontario, Nova Scotia, New Brunswick, Newfoundland, Prince Edward Island, and all the territories have private insurance markets where private insurers offer coverage.

What if I’m an Uber driver or I drive for another ride-sharing service?

As of the beginning of 2016, there's coverage for that! Ride-sharing insurance plans have just arrived in Canada, and LowestRates.ca is one of the few places where you can purchase them. Ride-sharing insurance is designed specifically for drivers who use their personal vehicles to transport paying passengers.

Here's why you need to buy ride-sharing coverage:

Your personal auto insurance policy doesn't cover you if you drive for a ride-share company (and could be cancelled at any time).

A commercial auto insurance policy (used by taxi services) is way too expensive for the average ride-share driver.

Ride-sharing insurance gives you and your passengers the coverage you need — at a price you can afford (many ride-sharing plans are less than $100 per month).

Ride-share drivers can call our partner, Direct Rate Insurance, at 1-844-277-0404 to learn more and get a quote.

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 collisions. 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 is 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.

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