We make Canadian insurance simple, transparent, and fair.
Lowest Rates Hub is a Canadian comparison platform built by advisors, engineers, and writers who got tired of watching their own families overpay. We compare 25+ insurers, then help you pick the policy that actually fits — not the one that pays us most.
Mission
Make Canadian insurance feel less like homework. We translate fine print into plain answers and put the same data brokers use into the hands of regular people.
Vision
A Canada where comparing coverage is as common — and as easy — as comparing flights. No jargon, no hard sells, no awkward dinner-table sales pitches.
Promise
We will never recommend a policy we wouldn't put our own family on. If a smaller plan fits better than a bigger one, we'll tell you. Honest beats clever.
Three things we refuse to compromise on.
We're not owned by an insurer. We compare the carriers that fit your situation — not the ones with the highest commission.
Every quote on our results page comes from a licensed Canadian carrier we've reviewed end to end. No offshore middlemen, no rebrands.
Pick up the phone if you want to. Don't if you don't. Either way you get the same numbers and the same plain-English explanation.
Built because the system felt rigged against ordinary buyers.
Lowest Rates Hub started in 2018 around a kitchen table in Mississauga. Our founder, Garry Bott, had been writing insurance policies in Canada since 1998 — long enough to notice the same pattern over and over. People bought either too much coverage, too little, or the wrong kind entirely, not because they were careless, but because the buying process was confusing on purpose.
Quotes lived behind 30-minute phone calls. Comparisons required spreadsheets and a strong stomach. The policies that paid the highest commissions tended to be the ones that showed up first. We thought there was a better way: put the same carrier data brokers use into a clean public tool, then let licensed advisors help — only if and when a customer wanted them to.
Eight years later we're still doing exactly that. We compare quotes from 25+ Canadian insurers in roughly 60 seconds, hand-build every result page, and answer the phone ourselves. We're privately held, headquartered in Mississauga, and licensed to advise Canadians in every province.
Four rules we won't bend on.
Plain language, always.
If a sentence needs a finance degree to parse, we rewrite it. Coverage you can't explain to your partner is coverage you won't trust when something happens.
Privacy by default.
We collect what we need to give you a quote — nothing more. Your data isn't sold to lead farms. We share it with licensed advisors only when you ask us to.
Real humans on the phone.
When you call, a licensed Canadian advisor picks up. Not a chatbot, not an offshore call centre. We answer between 9 AM and 9 PM ET, every business day.
Better answers over more questions.
Quote forms shouldn't feel like medical exams. We ask only what carriers actually use to price your policy, then get out of your way.
Writing about Canadian insurance? Talk to us.
Logos, leadership headshots, fact sheets, founder quotes, and rate trend data — happy to send anything you need. We aim to respond within one business day.
- Brand assets and logos in SVG and PNG
- Quarterly Canadian insurance trend report
- Subject-matter experts on call
Three quotes.
Sixty seconds.
A lifetime of peace of mind.
Every quote from a vetted Canadian insurer. Every advisor licensed. A friend with a license — not a buddy at a barbecue.
- No medical exam to get a quote
- No high-pressure sales
- Take your time to decide