2026 Average Prices in Quebec (MoM, $CA)
Indicative assumptions: own record, ~12–15,000 km/year, declared parking, $1,000 deductible. Actual amounts vary by insurer, vehicle, postal code, and history.
| Profile / Coverage | RC $2 million | All perils (collision + no-collision) |
|---|---|---|
| Driver 30–45 years old, clean record | $45–75 | $110–175 |
| Young driver 18–24 years old | $65–110 | $150–220 |
| Driver 50–64 years old | $40–65 | $95–155 |
| Vehicle “at risk of theft” (tracker installed) | $60–95 | $130–195 |
| Recent electric/hybrid vehicle | $55–90 | $125–190 |
Estimates by city (2026 trends)
Insurers take into account local statistics (thefts, collisions, cost of repairs).
| Town | Indicative premium level* | Comment |
|---|---|---|
| Montreal | ↑↑ | High theft & traffic→ prefer RC $2 million + tracker |
| Laval | ↑ | Urban, close to motorways |
| Quebec | ↔ | Good cost/coverage compromise |
| Sherbrooke | ↘ | Premium often lower than the big centres |
| Saguenay | ↘ | Advantageous regional profile, depending on the district |
* Compared to the provincial average.
What changes your premium in 2026
- Model & risk of theft : some SUVs/sedans are more targeted→ tracker and secure parking = better rate.
- City/neighborhood & parking : street vs. driveway vs. garage (and presence of alarm/cameras).
- Usage & mileage : work, delivery, long journeys, declared carpooling.
- File : complaints/findings, demerit points, age of licence.
- Vehicle value & technology : ADAS sensors, calibrations (EV/hybrid = expensive parts).
- Deductible & endorsements : the higher the deductible , the lower the premium.
- Telematics score (if accepted): soft driving = recurring discount.
How to pay less in 2026 (without discovering yourself)
-
Compare at least 3 identical submissions
Keep the same deductibles and endorsements (glass breakage, QEF 20, QEF 27, replacement cost) for a real comparison. -
Opt for RCA $2 million
The price difference with $1 million is often small for much higher coverage (multi-vehicle accidents, injuries). -
Evaluate the $1,000 deductible
Going from $500 to $1,000 often reduces the premium by 8 to 15%, depending on the insurer. -
Telematics = discount
If you drive safely, telematics (app/mobile) can generate recurring savings. -
Tracker/anti-theft device on targeted models
Essential for SUVs/sedans at risk: tracker + off-street parking → direct impact on pricing. -
Combining car + home
Multi-fonts are often the simplest and most effective discount. -
Notify your changes
New job, fewer km, garage parking: update your file to take advantage of a favourable adjustment.
Useful endorsements to consider (depending on your case)
- QEF 20 — Replacement vehicle (rental) if the car is essential on a daily basis.
- Glass breakage — Often pays off if you drive a lot of highways.
- QEF 27 — Non-owned vehicle (lease/borrowed car).
- Replacement Cost / Purchase Price Protection — Newer vehicles (12–60 months, depending on insurer).
- Personal belongings — Accessories and items in the vehicle (often via home).
Electric & hybrid vehicles in 2026
- Repair costs may be higher (parts/sensors/calibration).
- Competitive bonus if: good telematics score, garage (winter), terminal installed by pro, own history.
- Some insurers offer “green” discounts.
Quick quote (Assur360)
Compare insurers that are relevant to your city/district and your risk profile, with equivalent quotes (same deductibles/endorsements).
👉 Free quote in a few clicks with an Assur360 partner broker : get the best price for clear guarantees — without the headaches.
Will 2026 be more expensive than in 2025?
Slightly upward trend possible (repair costs, thefts, parts), but can be optimized via telematics discounts, $1,000 deductible, multi-policies and tracker.
RC > million or RC 1 M$ ou 2 M$ ? million?
$2 million recommended : best shield for a generally modest additional cost.
Why is my city changing the price?
Insurers use local statistics (theft, collisions, vandalism). A garage/plotter partially compensates.
