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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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 50+ offers from 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

See how our customers with collision coverage save big on auto insurance.

Customer	Location	Vehicle	Lowest rate	Average rate	Saved
Quote from May 16, 2025 Customer Female, 45 years old	Location ontario	Vehicle 2020 ACURA RDX 4DR AWD	Lowest Rate $298/mth $3,573/yr	Average Rate $457/mth $5,487/yr	Saved $160/mth 34.88%
Quote from May 16, 2025 Customer Male, 41 years old	Location ontario	Vehicle 2010 FORD F150 XL SUPERCAB 4WD	Lowest Rate $110/mth $1,320/yr	Average Rate $196/mth $2,347/yr	Saved $86/mth 43.76%
Quote from May 16, 2025 Customer Male, 34 years old	Location alberta	Vehicle 2022 TOYOTA HIGHLANDER LIMITED HEV 4DR AWD	Lowest Rate $232/mth $2,781/yr	Average Rate $391/mth $4,695/yr	Saved $160/mth 40.77%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, 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

See how our customers save big on home insurance.

Type of home	Location	Previous claims	Lowest rate	Average rate	Saved
Quote from May 16, 2025 Type of home Duplex 1,515 sq ft	Location Alberta	Previous claims None	Lowest Rate $637/mth $7,649/yr	Average rate $761/mth $9,126/yr	Saved $123/mth $1,476/yr (16.00%)
Quote from May 16, 2025 Type of home Detached 1,045 sq ft	Location Ontario	Previous claims None	Lowest Rate $106/mth $1,266/yr	Average rate $143/mth $1,715/yr	Saved $37/mth $444/yr (26.00%)
Quote from May 16, 2025 Type of home Townhouse 2,678 sq ft	Location Ontario	Previous claims None	Lowest Rate $116/mth $1,394/yr	Average rate $247/mth $2,968/yr	Saved $131/mth $1,572/yr (53.00%)

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.

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Today’s lowest mortgage rates in:

Select a province

5-year fixed

As low as

3.89 %

5-year variable

As low as

3.99 %

‘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.

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

If you spent:

$1,000

Total cash back

$ 24

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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

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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.