RATESDOTCA vs LowestRates.ca

RATESDOTCA and LowestRates.ca both land on Depends.

RATESDOTCA

ratesdotca.ca

Analyzed October 9, 2026

Depends

Confidence: Medium

Use it if you're a Canadian shopping car, home, or travel insurance and want free quotes fast.

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LowestRates.ca

lowestrates.ca

Analyzed September 30, 2026

Depends

Confidence: Medium

A free, legitimate starting point for Canadians shopping car insurance, mortgages, or credit cards . if you tolerate broker follow-up and marketing emails.

Read the full report

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RATESDOTCA versus LowestRates.ca
Compare	RATESDOTCA	LowestRates.ca
Verdict	Depends	Depends
Best for	Ontario and Alberta drivers comparing car insurance	Canadians shopping car or home insurance
Who it's not for	Anyone unwilling to share phone and email upfront	Anyone unwilling to receive broker calls and marketing emails
Privacy	No known public vulnerabilities found in the sources reviewed.^⁹	No known public vulnerabilities found in the sources reviewed.
Support quality	Complaints of relentless post-quote calls and texts	Users cite unwanted marketing emails after use
Public sentiment	Redditors frequently recommend RATESDOTCA for finding cheaper Ontario car insurance, but some complain about relentless follow-up calls and texts.^²	Reviews are mixed: many Canadians use it for quotes, while Reddit threads flag marketing emails and missing quotes for some drivers.¹⁴
Biggest gotcha	Submitting a quote hands your contact info to partner brokers; expect outreach by phone and text.^²	Expect marketing emails after use; a Reddit PSA criticized its loan advertising emails

Pick RATESDOTCA when

Ontario and Alberta drivers comparing car insurance
Renewal shoppers hunting cheaper home/auto rates
First-time insurance buyers wanting multiple quotes
Mortgage and credit-card rate browsers

When RATESDOTCA is not a fit

Anyone unwilling to share phone and email upfront
Buyers who want quotes without broker follow-up
Shoppers outside Canada . Ontario-focused coverage
People wanting a single binding purchase, not comparisons

Pick LowestRates.ca when

Canadians shopping car or home insurance
Mortgage rate browsers
New G2 drivers comparing quotes
Credit card rewards hunters

When LowestRates.ca is not a fit

Anyone unwilling to receive broker calls and marketing emails
Niche driver profiles . users report quotes not shown
Non-Canadians . coverage is Canadian markets only
Businesses . this is a consumer-only comparison site

Sources

RATESDOTCA Review - Is it Safe and Legit?tradersunion.com
review
Warning - Rates.ca will not stop calling me, texting mereddit.com
review
Rates.ca - legit and trustworthy? (r/PersonalFinanceCanada)reddit.com
review
RATESDOTCA | BBB Business Profilebbb.org
security
RATESDOTCA Reviews . Glassdoorglassdoor.com
review
APOLLO Insurance Partners with RATESDOTCAbusinesswire.com
news
Rates.ca Review . Loans Canadaloanscanada.ca
review
RATESDOTCA vs. YouSet: Pros and Consyouset.ca
review
Rates.ca product security pageratesdotca.ca
official
lowestrates.ca Competitors . Similarwebsimilarweb.com
news
LowestRates.ca homepagelowestrates.ca
official
About Us | LowestRates.calowestrates.ca
official
Compare car insurance quotes for G2 drivers for freelowestrates.ca
official
Trustpilot reviews of lowestrates.catrustpilot.com
review
LowestRates.ca BBB Business Profilebbb.org
review
PSA about getting insurance quotes from lowestrates.careddit.com
review