Save an average of 30% on your car insurance in just three minutes.
Our brokers will find you the best car insurance by comparing quotes from the top 10+ companies in Canada.
We compare rates from Canada's top providers, including:
Car insurance in Canada.
Paying too much for your car insurance? We can help.
We’ll find you the best coverage at the lowest rate.
By customizing your policy, we’ll make sure that you’re only paying for the coverages you need, nothing more.
Our licenced brokers will also share their expert knowledge on the basics of car insurance, the industry as a whole and any products you’re keen to learn more about.
Get a no-obligation quote and start saving today.
How does it work?
What you’ll need to get a car insurance quote online.
To get a car insurance quote in Canada using our free, online tool, you’ll need:
A valid driver’s licence and some details of your driving history.
Information about the car you’d like to insure.
A phone to connect with one of our licenced brokers.
There’s no catch.
We’re available to answer any of your questions and you’re under no obligation to make a purchase.
Why use DirectRate.ca?
We've helped thousands of Canadians find affordable car insurance.
No need to search every car insurance company online for the best rate, we’ve done the shopping so you don't have to.
As part of our commitment to providing great service, we’ll also answer any questions you have, ensuring you understand the benefits of a new auto insurance policy.
Get a free quote today.
It’s fast, free, and help is just a call away.
Frequently Asked Questions about car insurance in Canada.
Everyone in Canada, who owns and operates a car, is legally required to have insurance.
Each province regulates insurance separately. As a result, your car insurance coverage is determined, in part, by where you live.
Get a quick auto insurance quote by using our free, online tool.
Our car insurance estimator will take less than three minutes to produce quotes from 10+ companies across the country.
As part of buying car insurance online in Canada, we also recommend that you speak with a licenced broker to make sure you're only paying for the coverages you need, nothing more.
Give us a call, today: 1-855-754-0350.
While auto insurance is required, by law, in every Canadian province and territory, mandatory coverages vary region by region.
In Ontario, at a minimum, your coverage must include third-party liability, accident benefits, direct compensation-property damage coverage (DCPD) and uninsured automobile coverage.
Additional coverages can include:
All perils: Covers many perils. Broadly, has similarities to Collision and Comprehensive coverage.
Collision: Covers car replacement, or repair costs, if your car is damaged in a collision and you’re at fault.
Comprehensive: Covers damage by debris, earthquake, explosions, theft, vandalism and weather events.
Loss of use: Covers the cost of a replacement vehicle, or transportation costs, when the insured car is damaged and the insured has All perils, Comprehensive or Specified perils coverage.
Rental car or substitute car: Covers the cost of a replacement vehicle the insured must use because the insured vehicle is out of service.
Replacement cost: Replaces your vehicle (same make and model), if it is deemed a total loss.
Specified perils: Covers damage from a short list of perils that are specifically named in your automobile insurance policy, such as attempted theft, damage in transport, earthquake, explosions, fire, lightning, riots or windstorms.
While drivers in Ontario, Alberta, the Maritime provinces and the Territories are insured through private companies, those elsewhere get coverage under a government program and, in some provinces, can also opt to have additional coverages through private insurance companies.
One of our licenced brokers will review your cheap car insurance online quote and recommend the best type of coverage for you.
Cost varies among drivers. The following variables will impact your annual or monthly car insurance cost, including:
Age
Driving experience
Driving record - Any claims and violations
Gender
How far you drive each year
Location
Marital status
Vehicle type
Which coverages, limits and deductibles you select
Once you’ve used our free tool to get a car insurance quote online, connect with us over the phone: 1-855-754-0350.
Our car insurance brokers will consider every detail in your application and tailor your policy to bring down your monthly car insurance premiums as much as possible while also making sure you have the coverages you need and a billing plan that suits you best.
Location is one of the key variables in determining your car insurance cost.
In Ontario, Alberta, the Maritime provinces and the Territories, drivers get their coverage from private companies.
Elsewhere in Canada, mandatory coverage is purchased primarily through government programs.
So that you don’t have to try to figure out which insurance company has the cheapest full coverage car insurance where you live and drive, our free car insurance estimator will produce 10+ quotes for you, in less than three minutes.
Next, speak to one of our licenced brokers to determine what policy is the best and cheapest car insurance for your area: 1-855-754-0350.
Our recommendations are fast, and, you’re under no obligation to purchase coverage following a conversation.
We work with car insurance companies across Canada.
Our licenced brokers review your car insurance application and align you with the product that best suits your needs. We’ve done the shopping so you don’t have to.
We’ll also share with you tips on how to reduce your car insurance rate.
The best auto insurance differs for every driver; what’s ideal for one person may not be so for another.
We work with automobile insurance companies across Canada, always watching for who has the cheapest car insurance, and, for ways to provide drivers with additional savings.
To purchase auto insurance, research online. Our free tool will produce 10+ vehicle insurance quotes from the leading companies, personalized for your area.
Next, connect with one of our licenced brokers: 1-855-754-0350.
Our experience and expertise mean it's easy for us to spot ways to help you reduce your rate.
We’re confident we can help you find the cheapest car insurance available.
To get car insurance now, start with an online quote.
Next, we recommend you connect over the phone with one of our brokers who may have access to more options for you: 1-855-754-0350.
Whether you're looking to find cheap car insurance quotes or you're ready to buy car insurance online in Canada, we're here to help.
Age is only one of several variables that affect the cost of your car insurance.
After examining hundreds of thousands of complete car insurance quotes, we've found that, across Canada, consumers over 40 benefit the most from comparison shopping because many insurance companies tend to offer better rates to more experienced drivers.
For example, in Ontario, the average rate for a 40-49-year-old male is $650-$800 – less than the average rate for 30-39-year-old males.
Further, when consumers ages 50-75 switch providers, they net savings in the following ranges:
ON: $1,850-$14,650 (annual savings of $74 - $586)
AB: $1,300-$14,700 (annual savings of $52 - $588)
QC: $3,750-$8,850 (annual savings of $150 - $354)
NS: $700-$1,750 (annual savings of $28 - $70)
To ensure your auto insurance rate stays as low as possible, a clean driving record and the absence of claims are important.
As a driver ages, auto insurance premiums tend to get lower because their driving experience is increasing as well as the length of time in which they have not made a claim.
Some insurance companies offer discounts to drivers willing to monitor their distance; an app tracks the driver's pace and makes sure that they’re only paying insurance for the distance they drive.
This sort of program is especially appealing to drivers who maintain a low mileage each year.
To ensure that you’re always getting the best coverage at the lowest rate, we recommend that every time your car insurance policy is up for renewal, you comparison shop to find the best available rate.
In less than three minutes, our car insurance estimator will produce 10+ quotes for you.
Next, connect with one of our licenced brokers to review your options: 1-855-754-0350. Our recommendations are free.
A car insurance deductible is an amount agreed upon in advance that the car insurance policy holder is responsible to pay following a loss.
Insurance companies will only respond to a loss that exceeds the amount of your deductible.
The amount of your deductible will depend, in part, on the type of auto insurance coverage you have.
To reduce your car insurance premium, consider increasing your deductible. However, if you do so, closely consider whether you’ll be able to pay the deductible, in the event of a claim. Can you afford a high deductible if you have a loss?
Everyone in Canada, who owns and operates a car, is legally required to have car insurance coverage.
It’s important to know what types are required in your province:
In Ontario, Alberta, the Maritime provinces and the Territories, drivers get their coverage from private companies.
In British Columbia, mandatory coverage is purchased from the government while additional coverages can be purchased from a private insurance company.
In Saskatchewan, mandatory and additional coverages are purchased from the government.
In Quebec, bodily injury insurance is provided from a government insurer while property damage coverage is purchased from a private insurer.
An auto insurance quote and an auto insurance estimate reflect what a policy may cost.
The terms are often used interchangeably in the insurance industry.
To get an auto insurance quote in Canada, take three minutes to use our free, online tool.
Speak to a licenced broker to figure out how best to get cheap car insurance: 1-855-754-0350.
By adjusting a single detail in your application, your rate can change significantly.
One of our licenced brokers will work one-on-one with you to customize your policy so that you’re only paying for the coverage you need, nothing more.
Many car insurance companies consider credit score, though, in some provinces – Ontario and Newfoundland and Labrador – regulations prevent their use in determining a rate.
In Alberta, the insurer must get your explicit consent to consider your credit.
When trying to figure out how to get the best auto insurance rates, our brokers will look at a range of variables to help you secure all available discounts on your auto insurance.
So, while your credit score is relevant, other variables may be as – or more – important.
Yes, it’s absolutely safe to buy auto insurance online in Canada.
Start by using our free, online car insurance quote tool.
Additional options may only be available, over the phone, through one of our licenced brokers who can customize a policy for you.
They each have expert knowledge of the policies available through the best auto insurance companies in Canada.