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Get the cheapest insurance quotes on auto, home, travel, life & more, all in one place.

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How to get the cheapest car insurance quote

Compare auto insurance quotes from 50+ insurance companies all at once

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Compare your car insurance quotes from more than 50 top insurance companies.

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Why compare car insurance quotes from different insurance companies?

Comparing car insurance rates from different companies is the easiest way to save on car insurance, plain and simple. Different companies offer substantially different rates for the same coverage and to the same driver. Here’s why comparing insurance quotes from different insurance companies matters:

 

  1. Car insurance companies compete: Car insurance providers are regulated under their provincial governing body, but in private markets such as in Ontario, Alberta, and the majority of Canada, car insurance companies operate independently from one another and compete just like any other business.
  2. Your car insurance rates depend in part on your company’s claims: A company’s ability to offer you great rates depends not just on your insurance record and driving history, but on their claims history as well. If they’ve processed a lot of claims, their average premiums will be higher.
  3. Your car insurance rates also depend in part on your risk group at that particular company: All insurance companies put you in a risk group based on statistical data combined with your age, marital status, driving record and insurance history. Some groups are more likely to make insurance claims than other groups. Let’s say you’re considered part of a particular risk group that happens to make a lot of claims with that particular insurance company, that means you’d face higher premiums at that company than you might at others.
  4. Your risk group might be less at another insurer: Just because one insurer has processed a lot of claims for your particular risk group, doesn’t mean they all have. If you find a significantly lower rate with another company, it may be in part because that company has had better luck with your risk group.
  5. Standard auto insurance policies are the same: The basic auto insurance coverage mandated by your province is the same at all companies, which means all insurance companies are quoting you on the same thing.

 

In markets such as in the United Kingdom, comparing car insurance quotes on aggregator sites such as this one is the most popular way to shop for insurance. We’re slower to adapt in North America, but more and more, savvy shoppers are recognizing the value of comparison shopping every day.

Compare car insurance quotes today to see if you could be getting a better rate with another company, and join the millions of Canadians who have saved on their auto insurance.

Over $4.4 million in car insurance premiums saved last year

 

Did you know that last year, drivers in Canada saved $4.4 million on car insurance with us? If you live in a province with a private auto insurance system, such as Ontario, Alberta, Quebec, Newfoundland, Nova Scotia, New Brunswick or Prince Edward Island, then this year could be your turn to save.

 

Select rates based on province, city and preferred coverage, including the following:

 

  • Third-party liability. Covers damage your vehicle causes to other vehicles as well as losses to other people, such as injury or death. The mandatory minimum in most provinces is $200,000.
  • Collision. Covers the cost of replacing or repairing the driver’s vehicle if it gets damaged by another vehicle or object.
  • Comprehensive. Covers the cost of replacing or repairing your vehicle due to non-collision-related damage or loss, such as vandalism or theft.
  • Rideshare. Protects your vehicle from losses when you use it for ridesharing purposes via apps like Uber or Lyft.

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Why use InsuranceHotline.com?

We want to help you save money on insurance because we're drivers, homeowners and travellers too, and we know that everyone loves the feeling they get when they know they're getting a good deal.

Save money

Get a quote that is 26% less than the average market rate.*

Save time

All it takes is a few minutes to compare quotes from our network of over 50 insurers.

There's no cost to you

Theres no catch or fine print; our service is absolutely free for you to use.

It's easy and quick

Tell us a little about yourself and your car in three easy steps. Thats really all there is to it!

Your information is safe

Your details are secure. Look for a locked padlock in your browser as well as https.

We respect your privacy

Your privacy is important to us and we never share your details without your consent.

*Based on the difference between the average lowest auto insurance premium and overall average auto insurance premium from our site in 2022.

Comparing home insurance quotes has never been thisfast and easy!

Whether you are renting a property or own one, join more than 1 million Canadians who have saved on their home insurance at InsuranceHotline.com. Compare quotes for the following types of insurance:

Homeowners

Homeowners insurance protects your home, family and possessions, if youre the owner. Though not legally mandatory in Canada, if youre planning to take out a mortgage, your lender will require you to have it.

Tenant

Also known as renters insurance, tenant insurance protects you and your possessions if youre renting someone elsesproperty. Most landlords require tenants to purchase their own insurance as a condition of their lease.

Condo

Condo corporations rarely provide insurance coverage to condo owners, which is why you should purchase your own. It'ssimilar to homeowners insurance, except that it also accounts for the risks associated with condo buildings.

You've got questions. We've got answers.

If you're wondering how our service works, check out the answers to some of the most common questions we've heard from our customers.

Can I compare quotes online for every type of insurance?

Yes. No matter what type of insurance you’re looking for—whether it’s auto, home, travel or life insurance—you can, and should, compare quotes online. It’s the easiest way to find the best coverage for the best price possible.

Will my insurance quotes be accurate?

Yes! The quotes you get are the same quotes you would get if you called each of our insurance partners directly. There is no catch, and you’ll save oodles of time in the process. The insurance quotes are all personalised and unique to you, based on the details you provide. But remember, the quotes are only as accurate as the details you provide, so if any information changes once you’re chatting with the insurance company, your rate may change too.

Will my insurance quotes expire?

The insurance quotations you get today don’t have a set expiry date per se, but that doesn’t mean they won’t change in the days or weeks ahead. If you’ve found a great price on a package that suits your needs, it’s best that you act on it as soon as possible.

How are my insurance quotes calculated?

The insurance quotes you get are no accident. They are all personalised and unique to you, based on the details you provide. The insurance quotes you get are calculated by taking four main factors into consideration:

  • Your personal details
  • Amount of coverage you’re seeking to get
  • The deductibles (if any) that you choose
  • The insurance company that you end up selecting

These four factors are common to virtually all insurance products; the insurance quotes work in a similar manner whether you’re looking for auto insurance, home insurance or travel insurance.

Why does one insurer offer me a better rate than another?

Each insurance company has its own way of estimating the amounts it will pay out in claims. These amounts determine your insurance premium. The industry-wide rule is that more claims mean higher rates. So, if one company has had more claims than the other, then their rate will be higher.

Why are my insurance quotes so different?

Insurance quotes can vary considerably from company to company and there’s a whole host of reasons why quotes are different between insurers. Peel it back however, and part of the reason quotes vary typically comes down to three financial factors unique to each insurer:

1. Their claims experience with the group of people they cover

2. The likelihood you’ll submit a claim

3. The competition they face

Together, these factors make it so that each insurer is unique in the price they offer for the product they’re selling, and shopping around for your insurance is the only way to ensure you’re not overpaying for the coverage you need.

How many insurance quotes do I get to compare online simultaneously?

Depending on your area and the type of insurance you’re looking for, you may end up with over a dozen insurance providers competing for your business. We’re partnered with over 50 insurance providers across Canada, so there’s no shortage of insurers who can give you their best quote.

What is the cost to compare insurance quotes online?

$0.00. Comparing rates on InsuranceHotline.com is always free. We earn our money by sending referrals to insurance providers through our website.

Our mission is to provide Canadians with the best insurance rates possible, which is why we don’t charge for them. In addition, if you don’t like any of the rates we offer you, you have no obligation to accept them.

Do I know which insurance companies quotes I’m comparing against?

Absolutely! We are partnered with over 50 insurance providers across Canada, many of which you likely already know.

Our home and auto insurance partners include Aviva, the Canadian Automobile Assocation (CAA), Chieftan, Coachman, Echelon, EconomicalGrey Power, Perth, Royal & Sun Alliance Canada, ScotiaLife Financial, Square One, TD Life, Western Assurance Company, Progressive Insurance, Geico and The General Insurance.

Our travel insurance partners include TuGO, Blue Cross and Ingle. And for life insurance, we’re partnered with BMO Life, Empire Life, Equitable Life, Great-West Life Assurance, RBC Life and Sun Life Financial, among others.

If you’d like to learn more, see our full list of partners here.

Compare travel insurance quotes. Get the right price and coverage.

 

Whether you’re travelling from Canada or to Canada, travel insurance can be indispensable, especially when it comes to medical emergencies. Here are some of the most common types of travel insurance:

 

  • Travel insurance for Canadians. If you’re travelling outside of Canada, buying travel insurance is a must. Get coverage for medical emergencies, delayed or cancelled flights and more.
  • Medical insurance for visitors to Canada. If you're visiting Canada and want to avoid huge medical bills, be sure to purchase this.
  • Super visa insurance. If you'd like your parents or grandparents to visit you in Canada using the super visa, you'll need to purchase Canadian medical insurance coverage for them.
  • Travel insurance for international students. Studying in Canada from abroad? Consider purchasing health insurance designed specifically for international students.
  • Snowbird travel insurance. If you’re a Canadian travelling to the United States (or elsewhere), buy snowbird travel insurance to save on potential medical expenses.
  • Trip cancellation insurance. Purchase trip cancellation insurance to cover the full cost of your flight or travel package in case it gets disrupted by an unforeseen event.

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