Auto ins quotes

What’s the cheapest car insurance?

Insurance is funny, in a weird sort of way, because rates can vary wildly between insurance companies. Also, premiums often change so the insurance provider who offered you the best rate two years ago, or even last year, may not be the insurer who offers you the best car insurance rate today. That’s why it’s so important to shop around, because the quote you get from one company can be significantly higher (or lower) than the quote you get from another.

Compare car insurance quotes online
to get the lowest rates

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

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.

How do I find the cheapest auto insurance rates?

Online quote comparison sites like LowestRates.ca make 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.

Quotes that cater to you

Once you’ve got some quotes to look at, you can narrow things down a bit if you know exactly what you want:

  • Choose your voluntary excess
  • Opt to protect your no-claims bonus
  • Decide whether to pay monthly or annually

Change any of these and you’ll get a fresh set of prices to fit your new answers.

Whether you need comprehensive insurance, third party fire and theft or third party only for just the one car or many, it’s easy to get the cover you need.

You don’t need to take our word for it either — when you get your quotes they come along with helpful information and star ratings from financial researcher Defaqto, so you’ll see exactly what you’re buying.

Need to know more about car insurance?

We’re committed to keeping you well-informed and on the road, so if you’re puzzled by any aspect of your policy, roll up the door to our Car insurance garage for guides, tips and help on all things motoring and car insurance.

Telematics (black box) policies, women’s car insurance, older motorists, modified cars, young drivers, classic cars, and learner drivers – it’s all here.

There’s also plenty to read and delight on wider motoring issues.

Vehicle security, flood cover, optional extras on your insurance, fronting, crash-for-cash, how quotes are calculated, claim rejections, how driving convictions impact on premiums and money-saving tips — peruse at your leisure.

Auto insurance rates in California are among the most expensive in the nation, on average, but costs vary widely between different cities and insurers. Our team analyzed cost data to provide drivers in California with better information in their search to find affordable car insurance quotes from the best-rated companies.

Our analysis found that, depending on where you live, the cost of insuring a car can range by over a thousand dollars between companies. This is why, to get low rates, consumers should shop around and compare quotes. Enter your zip code above now to compare auto insurance rates among top U.S. insurers in your area, or read more by jumping directly to each section in our study.

  • Cheapest Auto Insurance Companies
  • Best Car Insurance Rates: by City
  • Best Car Insurance in California
  • Average Cost of Auto Insurance: by City
  • Minimum Auto Insurance Requirements

Cheapest Auto Insurance in California

We averaged rates for single 30 year old male, with a clean driving record across 142 cities in California to arrive at annual premiums by company. Here are the top ten car insurance companies with the best rates in the Golden State, in order from lowest to highest.

Lifetime Renewability Auto Insurance

Once you have an auto insurance policy with The Hartford, your coverage will be renewed for as long as you’re able to drive. Just meet a few simple requirements such as maintaining a valid driver’s license and paying your premiums.

12-Month Car Insurance Rate Protection

You can relax knowing your low car insurance premium is locked in for a full year. This sets The Hartford apart from other insurers who may change rates every six months.

RecoverCare – Assistance After an Accident

When you choose car insurance from The Hartford, we’re here for you if you’re injured in an automobile accident. RecoverCare coverage provides reimbursement for essential home services you cannot perform yourself after a covered accident. For example, it can help cover costs of services like house cleaning, lawn maintenance, snow removal, transportation services, food preparation and even dog walking.

New Car Replacement Coverage

If you total your new car within the first 15 months or 15,000 miles after you buy it (whichever comes first), we’ll pay to replace it with a new vehicle of the same make, model and equipment – with no deduction for depreciation.§§

Lifetime Car Repair Assurance

After a covered claim, when you use one of the 1,600+ authorized repair shops in our approved network, we will stand behind the quality of covered repairs for as long as you own or lease your vehicle. This also saves you the hassle of searching for a trusted repair service on your own.

24/7 Car Insurance Claims Hotline

Accidents can happen any time of day or night and you deserve an automobile insurance company that can respond immediately no matter what time you call. You can reach our claims reporting service 24/7, and we’ll walk you through the car insurance claims process. Our 6-Point Claim Commitment is your assurance of getting prompt, caring service throughout your claim experience.

Auto insurance requirements by province

Car insurance requirements in Canada depend on which province you live in and who you buy your insurance from.

If you live in British Columbia, Saskatchewan or Manitoba, your provincial government requires basic auto insurance that covers injury to yourself and passengers. Additional coverage is available from your insurer.

British Columbia and Manitoba

Purchase ICBC Autoplan insurance in British Columbia and MPI Autopac insurance in Manitoba from your Co-operators Financial Advisor. For more complete coverage, including insurance for theft or damage to your car, ask us about your coverage options.

Saskatchewan

Ask your local Financial Advisor for SGI insurance in Saskatchewan, which includes basic vehicle damage (with a deductible), personal injury and liability coverage up to $200,000. We also offer extended Third Party Liability coverage, and physical damage coverage at a lower deductible to reduce the amount you would pay if you have a claim.

If you live in Quebec, the provincial public automobile insurance plan covers you for injury or death due to an automobile accident, no matter who is at fault or where in the world the accident happened. However, under the Automobile Insurance Act, you also have to have third-party liability insurance of at least $50,000 for property damage. This protection, available from private insurers such as The Co-operators, covers any property damage caused to another party.

In all other provinces and territories (Alberta, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Ontario, Prince Edward Island or the Yukon) all car insurance is available only from private insurance companies like The Co-operators.

Find a Financial Advisor
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Learn more about insurance requirements in each province and territory.

What your auto insurance plan must include

While insurance plans vary by province, these are the most common types of insurance you must have before you can use your vehicle. Make sure you check the following when you compare auto insurance quotes:

Liability: If you are in a car accident and are held legally liable for other people’s injuries, or for damage to another person’s vehicle or property, your insurance company will pay up to the total amount listed on your policy. You are responsible for amounts above that limit.

Accident Benefits: This covers medical expenses not covered by a provincial health plan, plus loss of income as the result of an auto accident. In some provinces, you may be entitled to additional benefits if you are someone’s caregiver. Accident Benefits are paid regardless of who was at fault in an accident. Not available in Quebec.

Uninsured Automobile: Protects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist. It also covers damage to your vehicle caused by an identified uninsured driver. Not available in Quebec.

Direct Compensation Property Damage (DCPD): Available only in New Brunswick, Nova Scotia, Ontario, P.E.I. and Quebec, this covers the cost of loss or damage to your car in an accident for which you were not entirely responsible. To qualify, the other driver has to be identified, insured and found to be at least partially at fault. In some provinces, you can no longer sue another person for damage to your car.

Your insurance company will look at the degree to which you are responsible for the accident and your deductible to determine how much compensation you will receive. You will be paid if you were partly or not at all responsible for the accident. Be sure to review your car insurance policy for specific details, restrictions and exclusions.

Value-added coverage

You may want additional coverage to be sure you’re fully protected in case of an automobile accident, theft or damage. Here are some coverage options to consider:

Collision: You’re covered for the cost of repairs or replacement of your car in the event of a collision where you are partially or totally at fault.

Specified Perils: This covers you for specific perils such as fire, lightning, theft*, windstorm, earthquake, hail, explosion, riot and others.

Comprehensive: With this option, you’re covered for any threat or danger other than collision, including theft*, damage or loss caused by vandalism, projectiles, and falling or flying objects such as stones kicked up by a truck in front of you. The important thing to remember is that this coverage applies to your vehicle only, not you or your passengers.

*Comprehensive and Specified Perils do not insure your car against theft if a member of your household steals your car, or if an employee whose job involved using or maintaining the car steals your vehicle.

All Perils: This is the most complete Loss or Damage coverage available. All Perils combines Collision and Comprehensive coverage and protects against theft by a person who lives in your household or an employee who steals your vehicle.

The most popular combination is Collision and Comprehensive coverage.

Optional coverage with endorsements

For extra protection, add the following to your insurance policy:

Accident Forgiveness: If you have this coverage on your policy, your first accident won’t affect your insurance rates, provided you have been licensed and accident-free for six years. Not available separately in Quebec; already included in provincial coverage plan.

Loss of use: If your car is damaged in an accident, stolen or destroyed, this endorsement covers the costs of temporary transportation such as renting a car or taking a bus. You’ll be covered up to the maximum amount specified in your policy until your car is recovered, repaired or replaced, or your claim is settled.

Legal liability for damage to non-owned automobiles: This endorsement will cover you if you damage a car you don’t own while it was in your care and control, such as a rental car.

Family protection endorsement: Receive additional benefits if you’re involved in an accident with a driver who doesn’t have enough coverage to pay a claim for injury or death. This only applies if the other driver has less insurance coverage than you.

Limited waiver of depreciation: This coverage protects against the loss of value or depreciation of a new car if, as a result of an accident, your car is beyond repair and must be replaced. This coverage is only available during the first two years of a vehicle lease or ownership. You could receive an amount up to the price you paid for the vehicle or the manufacturer’s suggested price. You can only add this endorsement if you have insured your vehicle with Collision and Comprehensive coverage, Collision and Specified Perils coverage or All Perils coverage.

Additional coverage: You can also buy insurance for a stereo or other components installed in your vehicle.

To learn more about car insurance, visit the Insurance Bureau of Canada.