A simpler way to compare insurance in Canada

Who we are

Lowest Rates Hub is a Canadian insurance marketplace. Our job is to take a few details about what you need, then connect you with a licensed insurance broker in your province who can quote and arrange the right coverage. We build the tools, the guides, and the side-by-side comparisons; the licensed broker does the regulated work of advising and binding your policy.

What we are — and what we are not

We want this to be unmistakable: Lowest Rates Hub connects consumers with licensed insurance brokers across Canada. LRH does not hold an insurance licence, does not quote, and does not bind coverage. We are not a brokerage or an insurance agency. The licensed broker we match you with is the regulated professional who reviews your situation, recommends a policy, and arranges coverage with an insurer.

That separation is deliberate. It keeps the advice you receive in the hands of a provincially regulated broker, while we focus on what a marketplace does well: making comparison fast, clear, and free.

How the marketplace works

1. You tell us what you need. A short, private form — coverage type, postal code, a few basics.
2. We match you with a licensed broker. One in your province who works with the coverage you asked about.
3. They compare quotes for you. Partner brokers shop 25+ Canadian insurers and bring back real options.
4. You decide. No obligation, no pressure. The broker arranges the policy only if you choose to move forward.

How we make money

Comparing quotes through our marketplace is free for you. When a partner broker writes a policy for someone we introduced, the broker pays us a referral or marketing fee. Your premium is the same whether you come through Lowest Rates Hub or approach that broker directly — our fee comes out of the broker's side of the transaction, not an add-on to your price. We never sell your information to the highest bidder; you are matched, not auctioned.

Why Canadians use us

• One place to compare. Partner brokers in our network compare 25+ insurers, so you see options instead of a single carrier's pitch.
• Licensed people, not bots, give the advice. The recommendation always comes from a regulated broker.
• Free and private. No charge to compare, and your details only go to the broker matched to you.
• Trusted by 50,000+ Canadians, rated 4.8★ across 2,400 reviews.

Curious how we keep our guides accurate and who reviews them? Read our editorial policy and meet the reviewers behind our content.