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Our online form allows you to complete your car insurance application in 3 to 5 minutes. Our team then contacts up to 9 insurers and presents you with the best options.
Quick response: Your personalized comparison is sent to you by email or phone within 24 business hours. No commitment on your part.
How to get your car quote in 3 steps
1
Fill out the form
Indicate your vehicle (make, model, year), your driver profile and the type of coverage you want. Less than 3 minutes.
2
Receive your quotes
Our partner brokers analyse your file and send you the best offers adapted to your budget.
3
Choose and save
Compare prices, coverage, and deductibles. Choose the offer that suits you best. No obligation.
What you need to prepare
Your vehicle
Make, model and year
Annual mileage
Use (Personal, Work)
Anti-theft device
Your profile
Date of birth
Licence number
Driving History
Past Claims
Your needs
Type of coverage desired
Preferred Franchise
Effective date
Other vehicles to be insured
Broker’s advice
Have your current policy handy when applying. This allows our brokers to check that you are not losing any protection and offer you equivalent or better coverage at a lower price.
Why use a broker for your car insurance?
Independence
The broker represents your interests, not those of an insurer. It objectively compares all the available options.
Exclusive access
Some insurers only sell through brokers. You have access to prices and products that cannot be found directly.
Disaster support
In the event of an accident, your broker negotiates with the insurer on your behalf and defends your claim.
No additional fees
The broker is paid by the insurer, not by you. Its service is free for the consumer.
Car Insurance Coverage in Quebec
Protection
Required
What it covers
Chapter A — Civil
liability
Yes
Damage to others (min. $50,000, recommended $2 million)
Chapter B — Collision
No
Damage to your vehicle in an accident
All risks
No
Theft, vandalism, hail, flooding, glass breakage
Endorsement FAQ 43 — Replacement
Cost
No
Replacement at purchase price if total loss (recent vehicle)
Amendment FAQ 27
No
Compensation if the responsible third party is unknown or uninsured
FAQ — Car Insurance Quote
How much does car insurance cost in Quebec in 2026?
The average cost is between $800 and $1,500 per year for comprehensive coverage. A young driver can pay up to $3,500, while an experienced driver with a good record can get a premium under $700. Learn more about pricing.
What car insurance coverage is recommended?
In addition to the mandatory civil liability (minimum $50,000, recommended $2 million), add collision, complete perils (theft, vandalism, bad weather), replacement cost for a recent vehicle (endorsement FAQ 43) and endorsement FAQ 27 for uninsured third parties.
How can I reduce the cost of my car insurance?
Compare at least 3 quotes, bundle home + auto (10-15% discount), increase your deductible to $1,000 (15-25% savings), maintain a good credit history, and ask for available discounts (lock, winter tires, low mileage). A broker can trade for you.
Is the online submission really free?
Yes, 100% free and without obligation. Assur360 is paid by partner insurers, never by consumers. You pay nothing to receive your bids and you are free to choose or not a bid.
How long does an online quote take?
The form can be completed in less than 3 minutes. You usually receive your quotes within a few hours, sometimes the same day. To speed up the process, have your current policy handy.
Is car insurance mandatory in Quebec?
Yes. Civil liability insurance (Section A) is mandatory with a legal minimum of $50,000, although the AMF and experts recommend at least $2,000,000. The SAAQ covers bodily injury, but property damage is your responsibility.
Can I get a quote with a bad driving record?
Yes. Thanks to substandard car insurance, specialized insurers accept cases with infractions, accidents or license suspensions. Premiums are higher, but a broker can find the best price for your situation.
What is the difference between a $500 and $1,000 deductible?
The deductible is the amount paid out of pocket in the event of a claim. Going from $500 to $1,000 reduces your annual premium by 15 to 25 per cent. This is advantageous if you have not made a claim for more than 5 years and have an emergency fund.
Is replacement cost (FAQ 43) worth it?
Absolutely, especially for a vehicle less than 5 years old. Without this endorsement, in the event of a total loss, the insurer will reimburse you for the depreciated value — often 30 to 50% less than the purchase price. Learn more.
Why are car insurance premiums increasing in 2026?
Several factors: the increase in vehicle theft in Quebec, the rising cost of parts and labour, on-board technology that is expensive to repair (ADAS sensors) and more frequent weather events. The best defense: shop around every year.
Why trust Assur360?
✓AMF — Firm certified by the Autorité des marchés financiers (Québec)
✓ChAD — Brokers who are members of the Chambre de l’assurance de dommages
