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Auto insurance company operating in Quebec

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CAR INSURER COMPARISON

Car Insurance Companies in Quebec — 2026 Comparison

Compare the best car insurance companies available in Quebec via brokerage. Complete comparison chart, strengths of each insurer and free quote in 3 minutes with our AMF-certified brokers.

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Why compare car insurance companies in Quebec?

In Quebec, car insurance premiums vary considerably from one insurer to another. The same driver can receive quotes ranging from one to two depending on the company chosen. That’s why comparison is essential to save on your annual premium. Assur360 works with more than 10 recognized insurers to offer you the best options available on the Quebec market.

Factors that influence your premium include your driving record, age, vehicle type, where you live, and your claims history. Each insurer evaluates these criteria differently, which explains the significant price differences. An AMF-certified insurance broker like Assur360 can compare all of these offers for you in minutes.

Comparison table of car insurers in Quebec in 2026

Here is a complete comparison table of the main automobile insurers accessible through brokerage in Quebec, with their strengths, specialties and level of notoriety on the market.

Strengths Products claims tools home and condo options pricing regional realities replacement cost options car commercial risks mutual insurance car
InsurerDistributionBrokerageHotAwareness
IntactBrokersCanada’s largest insurer, broad risk appetite, multi-policy discounts, effectiveAuto, home, small business★★★★ ☆
The Unique (Beneva)BrokerageStable rates, excellent claims service, advantageousCar, home, condo★★★★ ☆
AvivaBrokerageExtensive range, affinity programs, RV and boat options, competitiveAuto, home, leisure, small business★★★★ ☆
PromutuelOwn network / agentsLocal approach, prevention, products adapted to Quebec’sAuto, Housing, Farm★★★ ☆☆
Definity (Economical)BrokerageCompetitive pricing, modern products, attractiveAuto, home, small business★★★★ ☆
NorthbridgeBrokerage (Commercial)Solid in business, civil liability, property, fleet, constructionCommercial, SME, Fleet★★★★ ☆ (B2B)
PafcoBrokerage (non-standard)Second chance specialist, appetite for difficult cases, flexibility of subscriptionNon-standard★★ ☆☆☆ (niche)
Lloyd’s (coverholders)Specialized brokerage (via MGA)Tailor-made solutions for special, non-standard and complexSpecialized, non-standard★★★★ ☆ (industry)
WawanesaBrokerageCompetitive pricing, claims-free driver discounts, CanadianAuto, home★★★ ☆☆
SSQ InsuranceBrokerage and directQuebec insurer, good local presence, competitive rates in the regionsAuto, Home, Life★★★ ☆☆
EchelonBrokerage (non-standard)Non-standard specialist, young drivers, cases with offences or claimsNon-standard★★ ☆☆☆ (niche)

Detailed profile of the main car insurers in Quebec

Intact

Canada’s largest property and casualty insurer. Extensive broker network, broad risk appetite, powerful digital tools and advantageous multi-policy discounts. Ideal for drivers with a good record.

The Unique (Beneva)

Brokerage subsidiary of the Beneva group. Known for its stable rates and excellent claims service. Strong in housing and condo. 100% Quebec insurer.

Aviva insurance

International insurer with a strong presence in Quebec. Extensive range including car, home, RV and boat. Affinity programs and competitive pricing for good applications.

Definity (Economical)

Founded in 1871, Economical (now Definity) offers modern products with competitive pricing. Replacement cost options and attractive SME products. Good choice for families.

Pafco

Specialist in non-standard car insurance. Ideal for drivers with a difficult record: infractions, multiple claims, criminal record or young drivers with no experience.

Northbridge

Oriented towards the commercial market and SMEs. Strong in liability, commercial property, fleet, and construction. Ideal for businesses.

How to choose the best car insurance company?

The choice of your car insurer should never be based solely on price. Here are the essential criteria to evaluate to make the right choice in Quebec.

1

The price of the bonus

Compare at least 3 submissions. The differences can exceed $500 per year for the same driver profile.

2

Coverage offered

Check the replacement cost, endorsement 43 (FAQs), deductibles, and additional coverages included.

3

The Complaints Department

The speed and quality of service during a disaster make all the difference. Ask your broker for more information.

4

Available discounts

Multi-vehicle, multi-policy, anti-theft, good record, annual payment: each insurer has its own discounts.

5

Financial strength

A financially strong insurer will be there for you when you need them. Check the odds for A.M. Best.

6

Risk appetite

Some insurers refuse cases with offences. A broker knows which insurer will accept your profile.

Advantages of going through a broker to compare

✅ Access to multiple insurers — A broker compares 10+ companies in one step, instead of requiring you to contact each insurer individually.

✅ Unbiased advice — The broker works for you, not for a specific insurer. He recommends the best option for your situation.

✅ Claims support — Your broker represents you with the insurer and defends your interests in the event of a claim.

✅ Expertise in complex files — Young driver, criminal record, modified vehicle: the broker knows the insurers that accept these profiles.

✅ No additional fees — The broker is paid by the insurer. Its services are free for you.

⚠️ Beware of direct insurers — Without a broker, you only compare one insurer and you don’t have a representative in the event of a claim.

Standard vs. non-standard car insurance in Quebec

In Quebec, the car insurance market is divided into two major segments. Understanding this distinction will help you find the right insurer for your profile.

Standard Walk

For drivers with a good driving record, with no major violations or recent claims. Premiums are lower and coverage is more extensive.

Insurers: Intact, L’Unique, Aviva, Definity, Wawanesa, SSQ

Non-standard walking

For drivers with a difficult record : offences, multiple claims, criminal record, new licence or cancellation by a previous insurer.

Insurers: Pafco, Echelon, Lloyd’s (via MGA)

💡 Advice from our expert brokers

Don’t stay with the same insurer out of habit. Every year, risk appetites change and new discounts appear. Compare your premium at least once a year, ideally 30 days before your renewal. An Assur360 broker can do it for you in 3 minutes, without obligation and at no cost.

Essential car insurance coverage in Quebec

In Quebec, the Société de l’assurance automobile du Québec (SAAQ) covers bodily injuries through the public plan. Your private insurance covers property damage. Here are the essential protections.

disasters new one vehicle
CoverageWhat it protectsMandatory?
Civil liability (chapter A)Damage caused to others (vehicle, property)Yes (min. $50,000)
Collision (Chapter B3)Damage to your vehicle in an accidentNo (recommended)
All risks (Chapter B1)Collision + theft + vandalism + naturalNo (recommended)
Amendment FAQ 43Replacement of the vehicle with an equivalentNo (optional)
ReplacementRenting a vehicle during repairsNo (optional)

Auto Insurance by Region in Quebec

Car insurance premiums vary significantly depending on where you live in Quebec. Here’s what you need to know about the province’s top cities.

In Montreal, premiums are among the highest in Quebec due to the traffic density and higher rate of vehicle theft. In Quebec City, rates are generally more advantageous than in Montreal, with premiums on average 15 to 20% cheaper. Laval and Longueuil are in between, with premiums slightly lower than Montreal but higher than the regions.

In the regions, drivers in Sherbrooke, Trois-Rivières, Gatineau and Saguenay generally benefit from the best premiums. Traffic is less dense, the risk of theft is lower and insurers offer more competitive rates. This is especially true for regional insurers like Promutuel.

How to get the best premium in 2026

1

Compare Every Year

Never renew automatically. Ask your broker for quotes at least 30 days before your policy expires.

2

Group your fonts

Car + home with the same insurer can save you 5 to 15%. Ask for the multi-policy discount.

3

Adjust your deductible

Going from $500 to $1000 deductible can reduce your premium by 10 to 15%. Assess your risk tolerance.

4

Invest in a lock

A certified anti-theft system or GPS location can give you an extra discount, especially in Montreal.

5

Maintain a good record

Every year without claim improves your profile. After 6 years without a claim, you get the best premiums on the market.

Useful links — Insurer pages

Frequently Asked Questions — Car Insurance in Quebec

What is the average price of car insurance in Quebec in 2026?
The average price of car insurance in Quebec is between $800 and $1,500 per year for a driver with a good record. This amount varies depending on your age, vehicle, place of residence and driving history. In Montreal, premiums are generally higher than in the regions.
How do I compare car insurers in Quebec?
The most effective way is to go through an insurance broker like Assur360 that compares several insurers in a single process. You can also request quotes individually, but it takes much longer. Compare not only the price, but also the coverages, deductibles, and claims service.
What is the difference between an insurance broker and an insurance agent?
A broker represents the client and can compare offers from multiple insurers. An agent represents a single insurer and can only offer its products. The broker is generally the best option to get the best price since he puts insurers in competition for your file.
When should you change car insurance company?
It is recommended that you compare your options at least once a year, ideally 30 days before your policy is renewed. You should also compare after a change of vehicle, a move, or if your premium increases significantly without a claim.
How can a young driver get a good bonus?
Young drivers usually pay higher premiums. To reduce your cost: add yourself to your parents’ policy, choose a vehicle with a low cost of insurance, complete a recognized driving course and maintain a good record. Some insurers such as Intact and Aviva offer specific programs for young people.
Intact, Beneva or Aviva: which insurer is better?
There’s no best universal insurer — it all depends on your profile. Intact excels in broad risk appetite and multi-policy discounts. L’Unique (Beneva) offers stable rates and excellent claims service. Aviva is strong in affinity and leisure programs. An Assur360 broker can determine which one offers the best price for your specific situation.
Can you get car insurance with a criminal record?
Yes, this is possible thanks to insurers specializing in non-standard markets. Pafco, Echelon and Lloyd’s accept drivers with a criminal record, although the premiums are higher. An Assur360 broker knows the insurers that accept these profiles and can find you the best option. Check out our full guide.
What is the minimum civil liability in Quebec?
In Quebec, the legal minimum for motor vehicle liability is $50,000. However, brokers strongly recommend an amount of $1,000,000 or $2,000,000, as the costs related to a serious accident can be very high. The difference in premium between $50,000 and $2,000,000 is often minimal.
Does it cost to insure an electric vehicle?
Electric vehicles typically cost more to insure due to the high cost of repairing batteries and specialized parts. However, some insurers such as Intact and Aviva offer specific discounts for electric vehicles. Learn more about electric vehicle insurance.
How to reduce your car insurance premium in Quebec?
There are several strategies that can reduce your premium: combine your car and home with the same insurer (5-15% discount), increase your deductible, install an anti-theft system, maintain a good driving record, pay annually rather than monthly, and above all compare your options each year with a broker.

Why trust Assur360?

✓AMF certified — All our brokers are licensed by the Autorité des marchés financiers du Québec
✓ChAD members — Chambre de l’assurance de dommages (P Insurance Chamber), a guarantee of professionalism and ethics
✓100,000+ quotes — More than 30 years of experience in insurance brokerage in Quebec

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Find the best price for your car insurance

Our AMF-certified brokers compare more than 10 insurers to find you the best coverage at the best price.

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