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How to save on your home and car insurance in Quebec?
In Quebec, the average annual premium for homeowner’s home insurance is between $1,200 and $2,500, and that of car insurance between $800 and $2,000 depending on the profile and region. Together, these two policies are often worth $2,000 to $4,500 per year. However, there are several strategies that can significantly reduce these costs without sacrificing coverage. Combining the two policies with the same insurer can generate a discount of 10% to 20%. Increasing your deductible from $500 to $1,000 can reduce the premium by 8% to 15%. Installing a certified alarm system can save 5% to 10%. This guide presents 8 concrete strategies, validated by Assur360 brokers, to optimize your coverage and pay less on your next renewal.
Factors that influence your insurance premium
The amount of your insurance premium is not set arbitrarily. Insurers evaluate a set of criteria specific to your profile and situation to calculate the risk they agree to cover. Understanding these factors allows you to act strategically to reduce your premium. To learn more about what constitutes good protection, check out our complete guide to home insurance 2026.
For home insurance
- Place of residence (flood zone, crime rate, proximity to a fire station)
- Age and type of construction of the building
- Roof type and year of replacement
- Plumbing (copper vs. plastic)
- Heating system (electric vs. oil)
- Claims history
- Credit report
- Value of the assets to be insured
- Presence of a pool or spa
- Type of occupancy (owner vs. tenant)
For car insurance
- Age and gender of the main driver
- Type, year and value of the vehicle
- Place of residence and parking
- Reported annual mileage
- Vehicle use (work vs. pleasure)
- Driving record (tickets, accidents)
- Claims history
- Credit report
- Presence of an approved anti-theft system
8 Strategies to Reduce Your Insurance Premium Right Now
1. Combine your home and car with the same insurer
This is the most effective strategy. Insuring your home and car with the same insurer usually generates a 10% to 20% discount on each premium. On an annual budget of $3,000, this represents a potential savings of $300 to $600. Ask your broker to compare the combined offers of several insurers simultaneously to find the most advantageous combination for your profile.
2. Shop with an independent broker every year
Insurance rates vary considerably from one insurer to another for an identical profile. A Certified Property and Casualty Insurance Broker (CDIP) compares multiple insurers at the same time and presents you with the best deals — for free. It’s a good idea to shop around at each renewal, even if you’re happy with your current insurer. Simply asking for a counteroffer to your renewal can be enough to get a significant reduction in your premium.
3. Increase your deductible
The deductible is the amount you pay yourself in the event of a claim. Going from a $500 deductible to $1,000 can reduce your annual premium by 8% to 15%. Before increasing your deductible, make sure you have this amount easily accessible in case you need it. This strategy is especially beneficial if you have a history of few claims and a stable financial situation.
4. Install certified security systems
A certified alarm system (fire, intrusion) connected to a central monitoring station can reduce your home premium by 5% to 15%. For car insurance, an approved anti-theft device can generate a similar discount. Some insurers recognize safe telematics driving programs (e.g., Intact myDriving) that can reduce the car premium by up to 25% for safe drivers.
5. Report the actual use of your vehicle
If your vehicle is not used for work (commuting) or if you drive less than 15,000 km per year, inform your insurer. The annual mileage declared has a direct influence on the premium. Some insurers offer usage-based pricing (UBI) programs via telematics, allowing safe drivers to save up to 30% on their car premium. Check out our 2026 car insurance guide to learn more.
6. Take advantage of group rates and special programs
Many professional orders, unions, student associations and employer groups have entered into agreements with insurers offering preferential rates to their members. Check with your employer, union or professional association. Some professions (nurses, engineers, civil servants) benefit from special rates with several Quebec insurers.
7. Optimize your benefits according to your real needs
Not all the guarantees of an insurance policy are necessarily useful to your situation. For example, if your vehicle is more than 10 years old and has a low market value, the collision may no longer be worth the additional premium. In housing, adjust the covered value to the real value of your property. The Autorité des marchés financiers (AMF) offers free guides to help you understand your options.
8. Maintain a good driving and claims record
Your claims history and driving record (tickets, accidents) directly influence the calculation of your premium. Avoid small claims for amounts close to your deductible: the long-term cost (premium increase for 3 to 6 years) often exceeds the reimbursement obtained. Maintain a clean driving record to access the best rates available on the market.
Frequently asked questions — Saving on your insurance in Quebec
How much does home insurance cost in Quebec in 2026?
Between $1,200 and $2,500 per year for a homeowner, depending on the value of the building, the region, the type of construction and the coverage chosen. Renters typically pay less, between $200 and $600 per year. Get a free quote from an Assur360 broker to find out the exact rate according to your profile.
How much does car insurance cost in Quebec in 2026?
Between $800 and $2,000 per year depending on the driver’s profile, the type of vehicle and the region. Young drivers and residents of large cities like Montreal and Laval typically pay higher premiums. The SAAQ part (public plan) is automatically included in the registration and covers bodily injury.
When is the best time to shop for insurance?
30 to 60 days prior to your policy renewal date. This is the perfect time to compare without pressure and potentially change insurers without cancellation fees. Your broker can initiate comparisons well in advance to present you with the best options available.
Is combining car and home insurance always beneficial?
In the vast majority of cases, yes. The bundling discount (10% to 20%) is one of the most significant savings available. However, it can happen that an insurer is particularly competitive for one of the products but not the other. Your broker can assess whether the consolidation is optimal or whether two different insurers would be more beneficial.
What coverage is included in standard home insurance?
A standard home insurance policy typically covers: fire and related risks, theft and vandalism, water damage (e.g., burst pipes), liability (if someone gets hurt in your home), and living expenses if your home becomes uninhabitable. Sewer backup and earthquakes are usually additional options.
Is it mandatory to have home insurance in Quebec?
No, there is no legal obligation to insure your home in Quebec. However, if you have a mortgage, your lender will contractually require it. For tenants, insurance is not mandatory but strongly recommended for civil liability and the protection of your personal belongings. The AMF offers a free guide for consumers.
How can a broker help me save on my insurance?
An independent broker compares offers from multiple insurers simultaneously and identifies the discounts available for your profile. Unlike an agent tied to a single insurer, the broker works in your best interest. Its services are completely free of charge for the insured — he is paid by the insurers via commissions. He also accompanies you during complaints. To find a certified broker, visit the CHAD directory.
