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Why Compare Your Car Insurance Rate with Kanetix.ca?


Use our site to compare auto insurance rates from over 50 insurance companies.  You can shop the market to find the lowest car insurance rate. No one else publishes as many rates as we do.



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Comparing with us costs you nothing! Our service is absolutely free. There are no hidden costs or strings attached because we make our money from partners we work with, not you.



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We can find you the lowest car insurance rate. Your quotes come straight from the auto insurance companies. They are the same rates you would get if you called them directly.



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What you see is what you get. The auto insurance quotes you get are accurate, based on the details you provide. As long as your details stay the same, so will your rate. 



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Secure your rate. With our priority lines, you'll be able to secure your auto insurance rates quickly. The insurance provider will verify your information and check that all your insurance needs are met.*



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*Your motor vehicle record may be pulled to verify information.

Are the car insurance rates on Kanetix.ca accurate?

Yes! The auto insurance quotes you get at Kanetix.ca come straight from the insurance companies and are the same rates you would get if you called them directly. But remember, the rates 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.

For example, if there's a ticket you forgot to include, or you decide to go with a different deductible, then your auto insurance rate be adjusted to reflect this change. The same is true if you choose not to bundle your home insurance, but originally indicated it was something you'd consider doing. If you don't end up getting home insurance with the company you buy your auto insurance from, then you'll lose the multi-line discount that was originally applied to your auto insurance quote.

What happens after I get my auto insurance quotes?

Once you get your car insurance quotes, call Kanetix.ca and we'll help you secure your rate. Using our priority phone lines, we'll connect you to the provider who offered you the best rate. With your permission, we'll also send your quote details to the insurance provider you've selected so you don't have to enter the same information twice. Then, once you are speaking with them, they will validate the information to ensure it is accurate, up-to-date, and your insurance needs are met.

Your Top Car Insurance Questions

When drivers complete our quick and easy quoting form, we run the information provided against a database of car insurance providers—the largest database of all comparison websites in Canada—and show you the best available rates. Once you see a quote that you like, call us and we’ll connect you with one of our insurance experts to complete the process so you can start start paying less for your vehicle insurance.

It only takes a few minutes, leaving you more time to enjoy your savings!

Yes. You must have valid auto insurance in order to operate a motor vehicle anywhere in Canada.

The exact penalties differ from province to province, but wherever you are, you can expect to pay a hefty fine. It is a serious provincial offence and you will face higher insurance premiums in the future as a result.


While auto insurance is mandatory across Canada, not all provinces have the same approach.

In Ontario, Alberta and the Atlantic Provinces, drivers must purchase a policy from a private company. The same is true for drivers in Canada’s three northern territories.

In British Columbia and Manitoba, government-owned corporations provide auto insurance. The same is true in Saskatchewan, but drivers there can supplement this with additional coverage from a private company.

In Quebec, government-run insurance covers minimum limits for bodily injury, but property damage coverage is only available from private insurers. 

See our Provincial pages for OntarioAlberta and Quebec for a detailed look at how auto insurance works in each of those provinces.

Primarily, the provincial governments are responsible for setting insurance rates. Even in provinces where insurance is available from private insurers, the government has the final say on rate changes and which factors are considered when classifying risk. For example, some provinces allow a driver’s gender to be taken into consideration by insurance providers, while others do not. 

Insurance premiums for identical coverage can vary between insurance companies, but nobody can claim to be the cheapest without first seeing your information. Every driver is unique, and the quotes you receive depend on the perceived likelihood of you making a claim. 

All we need to know is the type of vehicle you drive, the type of licence you hold and your driving history (any tickets or accidents you have had). If you don’t know the exact information right now you can provide an estimate to get the ball rolling, but the quotes you see may change if the information is amended afterwards. The more accurate you are when completing your quote form, the more accurate your quotes will be.

The two main factors that affect your rates are your driving record and your address.

Your driving record:  The number of years you've been licensed and whether or not you've had any convictions (traffic violations) or been involved in at-fault collisions, will play a role in how much you pay for your auto insurance coverage. To get the best vehicle insurance premium, you have to build a history that shows you are not a high-risk driver. This takes time. Young drivers typically start off by being listed as an occasional driver on their parent's vehicle to get those valuable years of experience. If you have a clean driving record, your premium will be lower than if you've had a conviction or accident.

Where you live and drive: If you live in a rural area, chances are you'll pay less than someone who lives and drives in a city where there are more drivers on the road, and the likelihood of getting into a collision is higher. Also, more vehicles tend to be stolen in urban areas.

Learn more about Canada’s most expensive cities for auto insurance or see how your current rate stacks up to the typical auto insurance rates in your area using Kanetix.ca’s InsuraMap. You’ll be able to see where the cheapest, and most expensive, areas for auto insurance are located.

Each province has their own rules governing which car insurance coverages are compulsory, however, some are found across the country:

Third-Party Liability is mandatory in all provinces and territories. This coverage will pay for the outcome of a lawsuit if you are sued because a collision you caused resulted in the injury or death of another, or resulted in damage to their property. Generally, the minimum required amount of coverage you need to have is $200,000, although most drivers have at least $1 million. 

With the exception of Newfoundland and Labrador, Accident Benefits are mandatory throughout Canada. Accident Benefits will pay for things like medical treatments, income replacement and funeral expenses if you are injured or killed in a car accident. 

Some areas of the country require that your auto insurance policy include Direct Compensation Property Damage (DCPD) and/or Uninsured Automobile coverage. DCPD covers damage to your vehicle or its contents when someone else causes a collision you’re involved in. Uninsured Automobile coverage offers protection to you if you’re involved in a collision where the other driver, who is at fault for the accident, does not have auto insurance.

While every province has compulsory minimums that you must have as part of your auto insurance policy, there are also optional coverages and endorsements that you can add to your policy for a fee. A few of the more popular include:

Collision coverage: This covers damage to your vehicle as a result of an impact or collision with another vehicle or object.

Comprehensive coverage: This insures your car against damage caused by theft and vandalism.

Loss of use: Let's say you have collision coverage, and you're in an accident. Loss of use will cover your transportation costs (like a rental car) while your vehicle is being repaired or replaced.

Rental car: If you frequently rent cars, this endorsement will ensure that your rental has both collision and comprehensive coverage.

Depreciation waiver: If you have a new car, this endorsement ensures you will receive the full value of your vehicle should it end up being considered a total loss after an accident.

A deductible is the portion of an insurance claim you agree to pay. Your car insurance company covers the remaining cost. Your deductibles also play a part in how your rates are calculated. Depending on how much financial responsibility you take on in the event of a claim, your auto insurance rates will reflect your commitment. Take on more responsibility (i.e. increase your deductibles) and your rates will lower, take on less responsibility (i.e. decrease your deductibles) and your monthly auto insurance premiums will increase.

If you’ve chosen to include collision coverage, comprehensive coverage, or both on your auto insurance policy, the broker or agent you speak with when discussing your insurance needs will ask you about deductibles. Specifically, you’ll be asked how much you’d like your deductibles to be. Give this question some thought before answering because you’ll want to pick a deductible that fits your budget and will not cause financial stress should you need to submit a claim. While it’s true that your car insurance premiums will be lower with a higher deductible, your deductible needs to align with your personal finances. The most common choices for deductibles are $500 or $1,000.

People often mistake collision and comprehensive to be one coverage component of their auto insurance policy. The reality is, however, collision coverage and comprehensive coverage are different; you can buy one without the other or purchase both. As a result, the deductibles you choose do not need to be the same.

Yes, in places where ride-sharing services such as Lyft and Uber are available, you can get ride-sharing insurance to protect yourself, your vehicle and your passengers.

Auto insurance rates and how they vary across Canada

To drive in Canada, auto insurance is legally required from coast-to-coast; however, the cost for coverage varies significantly depending on which province or territory you live in. A recent report commissioned by the Insurance Bureau of Canada detailed the average auto insurance premiums paid by drivers across the country, and the range in rates is considerable:

Province/Territory and the average auto insurance premium

British Columbia $1,680 
Ontario $1,445 
Alberta $1,251 
Newfoundland & Labrador $1,132 
Manitoba $1,080 
Northwest Territories $978 
Nunavut $963 
Saskatchewan $936 
Nova Scotia $842 
New Brunswick $819 
Yukon $812 
Prince Edward Island $796 
Quebec $661

Source: Insurance Bureau of Canada, report released in July 2018, prices in CAD 


Whether you live in British Columbia, where auto insurance premiums are highest, or in Quebec, where car insurance is cheap in comparison, there’s no reason why you can’t be paying less for your coverage. At Kanetix.ca, all it takes is a few minutes to shop auto insurance rates from more than 50 of Canada’s most trusted insurance brands.

How Can I Get the Lowest Car Insurance Rates?

Cheap auto insurance is possible with the following money-saving tips and tricks:

The easiest way to save money and find cheap car insurance is by using Kanetix.ca to compare multiple quotes.

A multi-vehicle discount could help you to save up to 10 or 20 per cent off your auto insurance premiums. 

If you purchase both your property and car insurance from the same insurer, you’ll likely save in the range of five to 15 per cent.

Some insurers offer a winter tire discount if you change your tires seasonally. It will save you about five per cent.

If you have collision and comprehensive included in your auto insurance policy, see how much your deductibles are. If they are set at $500, increasing them to $1,000 will typically save you about five to 10 per cent. Only increase them, however, if your budget allows for it as the deductible is what you’ll have to fork out should you need to submit a claim.

Sometimes auto insurance companies charge an administrative fee if you pay your premiums monthly. If you pay your premium annually instead, you avoid having to pay this fee.

Usage-based insurance (UBI) monitors your vehicle’s use and typically tracks acceleration, braking habits, driving hours and speed. If you sign up for a UBI program, you can save five to 10 per cent off the top, with additional car insurance savings for good drivers on renewal.

Like drivers, vehicles are rated differently too. Insurance works this way because theft rates, vehicle safety ratings, and the historical repair costs for a vehicle can vary significantly. 

If your vehicle is a popular target for thieves, your premium will likely reflect this. Check the Insurance Bureau of Canada’s annual list of the most stolen cars in Canada and see if your car made the list. If it did, it might be wise to consider a vehicle that is less desirable to criminals.

Before buying a new car, make sure you take into account how much that vehicle will cost you to insure, by comparing car insurance quotes for multiple vehicles

Getting married? Moving? Adding a teen driver to your policy? Make sure your insurer still offers you the best deal. As your life changes, so will your auto insurance rates which means your current insurer may no longer be the one who offers you the most affordable coverage. At minimum, you should be putting your insurer’s auto insurance premiums to the test every year by shopping around.

Ask your insurer if you are eligible for a discount for being a member of an association or alumni. Having a membership to a roadside assistance program can also get you a discount.

New drivers who take an accredited drivers training program may be eligible for significant savings on their auto insurance. Check the Ministry of Transportation to find out which programs qualify.

The more time you spend on the road, the greater the chance you'll be in a collision. If you work close to home (or take public transit), chances are you'll pay a lower auto insurance rate than someone who commutes an hour a day, each way.

The cost of coverage between companies can differ by hundreds, sometimes thousands of dollars. The only way to make sure you are getting the best price for your policy is to spot-check your car insurance rates regularly on Kanetix.ca.

You don’t need to wait until your renewal to switch to a cheaper car insurance rate

If you’ve found a car insurance rate that beats what you’re paying now, you do not have to wait until your current policy is up for renewal to make the switch. However, you will want to make sure the savings you found with the cheaper rate are greater than the fee you may have to pay for cancelling your current policy mid-term. 

In general, the cancellation fee is a percentage of your premium and the percentage charged is determined by how far along you are into the term of your policy. For example, you’ll pay more if your current policy is only four months old than if you’re nine months into your coverage. The cancellation fee charged is basically a sliding scale that typically ranges from two to seven per cent. 

The best way to know how much you’ll be charged, is to give your current auto insurance provider a call. Let them know that you’re thinking about switching and you want to see if it makes money sense to switch now rather than later. If it does make sense, do not cancel your current policy until you have your new coverage in place.

We make shopping for auto insurance easy

We know that shopping for car insurance in Canada can be frustrating, not to mention expensive. That’s why Kanetix.ca aims to simplify the process, finding you the best deal in the fastest time. 

Join the millions of Canadian drivers who have found cheaper car insurance using Kanetix.ca. Get the lowest price and start saving money today!

Ontario Auto Insurance Rates from Real Drivers

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Canadian Auto Insurance - Some Statistics

The following information is based on car insurance quotes from drivers who compared rates with Kanetix.ca in 2018:

The five cheapest vehicles to insure in Canada:

1. 2018 GMC Sierra 1500

2. 2000 Pontiac Bonneville

3. 2015 Chevrolet Volt

4. 2010 Mazda B2300

5. 2013 Toyota Prius

The five most expensive vehicles to insure in Canada:

1. 2005 Chevrolet Cobalt

2. 2014 Jeep Wrangler Unlimited Sport

3. 2019 Ferrari 488 Spider

4. 2018 Tesla Model X P100D

5. 2019 Lamborghini Aventador

The five cheapest cities for vehicle insurance in Canada, outside of Quebec:

1. Moncton, NB

2. Ottawa, ON

3. Cobourg, ON

4. Airdrie, AB

5. Kingston, ON

The five most expensive cities for vehicle insurance in Canada:

1. Halifax, NS

2. Brampton, ON

3. Toronto, ON

4. Vaughan, ON 

5. Dartmouth, NS

Top 10 most popular automotive brands in Canada:

1. Honda 

2. Toyota 

3. Hyundai 

4. Ford 

5. Nissan

6. Mazda

7. Chevrolet

8. Dodge

9. Volkswagen 

10. BMW

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