Get a better rate.

At Rates.ca, we make it simple for Canadians to compare car insurance quotes, home insurance, tenant insurance, and mortgage rates—all in one place. Making a habit of checking your insurance and mortgage rates is one of the easiest ways to save money and lower your monthly costs. 

But we’ll do more than just find the cheapest rate. Rates.ca’s platform helps you find the right policy or mortgage for your unique needs, so you can make confident, informed decisions.

Here’s why thousands of Canadians trust Rates.ca: 

• Over 20 years in the industry: Rates.ca has been helping Canadians find the best insurance and financial options since 1999. 
• 10,000+ verified reviews: Rates.ca is trusted by Canadians with over 10,000+ verified reviews.
• 50+ trusted partners: We work with leading insurance and mortgage providers to bring you competitive rates. 
• Proudly Canadian: Headquartered in Toronto, we are proud to be Canadian-owned and to provide accurate rates for car insurance, home insurance, tenant insurance, and mortgages across Canada. 
• Secure & private: Rates.ca protects your data using strong TLS encryption, secure storage, and strict privacy controls, so your information is safe and only shared with trusted partners for accurate quotes. 
• Real-time rate comparison: Compare real-time quotes from multiple providers in seconds.

Start saving today. Compare car insurance quotes, home insurance, and mortgage rates now with Rates.ca and make smarter, simpler choices for your financial future. 

No, Rates.ca is a comparison website, not a broker. We work with insurance providers, mortgage brokers, and financial institutions to aggregate their available rates so you can compare them side by side. This allows us to publish more rates than anyone else, so you can shop the market and find the best rates for you. You’ve likely already used comparison websites when looking for the best price for hotels or flights. Our services work the same way by showing you all the rates in one place so you can find and select the best deal.

Absolutely not! Comparing rates on Rates.ca is always free. We make our money from insurance providers and financial institutions for sending them referrals, and from credit card issuers for approved credit card applications originating from our site. We believe in empowering Canadians to make better insurance and money decisions, which is why the choice to secure the best rate is always yours.

You can compare quotes for car insurance, home insurance, travel insurance, life insurance, mortgages and credit cards. Rates.ca is your one-stop shop for all your insurance and financial needs.

Quotes for car insurance is currently available in Ontario, Alberta & Quebec. We provide comparison quotes for all other insurance, as well as mortgage rates and credit cards, across Canada.

Any information that you provide on Rates.ca will only be transferred to the insurance or financial services provider that you've chosen to share it with in order to fulfil your request. We will not sell your information to any third parties without your consent.

Hands down, the easiest way to get the best rates is by shopping around and comparing rates from different brokers, insurance companies and financial institutions. Rates.ca partners with more companies than anyone else, giving you the widest selection of rates available.