shouldiuse.io

Categories

VERDICT

Ratesdotca (Rates.ca) Review

Worth it

Should I use Ratesdotca (Rates.ca)?

Compare Canadian car, home, travel insurance, mortgage and credit card rates - ratesdotca.com

· 1 day ago

Canadian consumers shopping home, auto, or mortgage rates should use it — it's free, fast, and run by a funded, established Toronto company. Skip it if you're outside Canada or unwilling to have your contact details passed to partner brokers and insurers.

Confidence

Medium. Based on ~15 public sources; most listed reviews are employee reviews, not verified customer reviews.

Ratings

  • Value for money
  • Ease of use
  • Feature depth
  • Support qualityNo public customer support evidence found
  • Security posture

Pricing

$0

Consumer quote comparison

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Free tierYes

Best for

  • Canadians renewing home or auto insurance
  • First-time mortgage rate shoppers
  • Credit card comparison browsers
  • Deal hunters OK with broker callbacks

Not for

  • US residents — Canadian quotes only
  • Anyone unwilling to share contact info with brokers
  • Businesses seeking B2B software — this is consumer lead-gen
  • Buyers wanting full-market quotes, not just partner carriers

Gotchas - check before you buy

medium

Guess: quotes show partner carriers only; some insurers and lenders may be missing.

medium

Submitting your details can trigger broker and insurer sales calls — typical lead-gen tradeoff.

medium

Most visible reviews are employee reviews (Glassdoor, Indeed), not verified customer experiences.

low

Not BBB accredited — review the complaint profile before sharing personal data.

Pros and cons

Pros

  • Free for consumers to compare insurance, mortgage, and credit card rates
  • Advertised quote process takes about three minutes
  • $51M raised in 2021; established Toronto comparison platform
  • APOLLO Insurance partnership adds embedded digital insurance options
  • Frequently cited by CTV and Canadian Underwriter as a rate-data source

Cons

  • Not BBB accredited
  • Mixed employee sentiment: 63% approval across 103 Glassdoor reviews
  • Monetized via affiliate partnerships; expect follow-up calls from brokers
  • Redditors on PersonalFinanceCanada openly question whether the site is trustworthy

Sources & method

- 10 sources - No known vulnerabilities found in the sources reviewed.

official x1review x7news x2

Key stats

  • Value for money: 5/5

    Rating

  • $0

    Starting price

  • 10

    Sources

  • Analyzed

  • Value for money: 5/5. Free for consumers; partner commissions fund the site
  • Ease of use: 4/5. Own ads claim three-minute quotes
  • Feature depth: 3/5. Broad categories, but comparison-only; no account tools
  • Support quality. No public customer support evidence found
  • Security posture: 3/5. Publishes security page; no third-party audits cited
  • $51M Funding raised Debt + equity round, March 2021
  • 103 Glassdoor reviews 63% employee approval
  • 70 Indeed reviews Employee reviews of RATESDOTCA Group
  • $0 Cost to consumers Free quotes; site earns partner commissions

Pricing

Consumer quote comparison

$0

  • Free comparisons: auto, home, travel insurance, mortgages, credit cards
  • RATESDOTCA earns commissions from partner carriers and lenders

Security

No known vulnerabilities found in the sources reviewed.

What users say

chatter is mixed: many Canadians use it to compare rates, while Reddit and Trustpilot threads question quote coverage and trust.

Full analysis

Based on ~15 public sources; most listed reviews are employee reviews, not verified customer reviews.

Free Canadian rate comparison for insurance, mortgages, cards — use it, but expect broker follow-up and partner-only quotes.

Methodology

Based on ~15 public sources; most listed reviews are employee reviews, not verified customer reviews.

Read how a report is made.

Sources

  1. RATESDOTCA Review – Is it Safe and Legit? (July 2026)tradersunion.com
    review
  2. RATESDOTCA Reviews (103) on Glassdoorglassdoor.com
    review
  3. Working at RATESDOTCA Group Ltd. — 70 Indeed reviewsca.indeed.com
    review
  4. RATESDOTCA | BBB Business Profilebbb.org
    review
  5. Avis de Rates.ca | Trustpilotfr.trustpilot.com
    review
  6. Ratesdotca insurance rate finder — r/albertareddit.com
    review
  7. Rates.ca — legit? r/PersonalFinanceCanadareddit.com
    review
  8. RATESDOTCA Group Ltd. Raises $51M in Fundingfinance.yahoo.com
    news
  9. APOLLO Insurance Partners with RATESDOTCAbusinesswire.com
    news
  10. RATESDOTCA Product security pageratesdotca.com
    official

Rate this review

Anonymous. You can change your vote.

Loading votes…

Comments

One queue. No nested comments. Give a display name first. Limit: 200 words per comment and 7 comments per day. You can edit or delete yours.

Save a name to write a comment.

0 / 200 words

No comments yet.