Do you drive a Tesla Model Y, Hyundai Ioniq 5 or Ford F-150 Lightning — or are you considering the electric transition in 2026? The price of electric car insurance in Quebec remains 10-25% higher than an equivalent gasoline model, but the gap is narrowing every year. Our AMF-certified Assur360 brokers present 2026 prices by model, EV discounts and home charging station coverage.
Electric car insurance 2026
Tesla, Ioniq 5, F-150 Lightning Award
Our brokers negotiate EV, manufacturer, and telematics discounts — up to 25% cumulatively.
Compare my EV2026 indicative prices by popular model
| 2026 Value Prime Vehicle Type* | With FPQ 5 | ||
|---|---|---|---|
| Tesla Model 3 Long Range | $55,000 | $1,500-2,000 | + $200-350 |
| Tesla Model Y Long Range | $65,000 | $1,800-$2,400 | + $250-400 |
| Tesla Model S | $115,000 | $2,400-3,200 | + $400-600 |
| Hyundai Ioniq 5 | $55,000 | $1,500-2,100 | + $200-350 |
| Kia EV6 | $55,000 | $1,500-2,000 | + $200-350 |
| Ford Mustang Mach-E | $60,000 | $1,700-2,300 | + $250-400 |
| Ford F-150 Lightning | $80-95,000 | $2,200-$3,000 | + $350-550 |
| Chevrolet Bolt EUV | $40,000 | $1,300-$1,700 | + $150-250 |
*Indicative rates 2026. Get your exact price in 3 minutes.
The 3 sources of EV rebates to accumulate
Generic EV Rebate
5-10% off at Intact, Belairdirect, Desjardins and La Capitale. Combined with other discounts.
Manufacturer/Partner Rebate
Tesla Insurance, Ford Insure, GM OnStar. Traded directly or through our Assur360 brokers.
Telematics discount
Intact Drive, Belairdirect, DrivExpert, Desjardins, Ajusto. 10-25% for good driving.
What your EV policy really covers
Traction battery
Covered by Chapter B (Damage) for any accidental event. Manufacturer’s warranty covers manufacturing defects (8 years / 160,000 km).
Mobile terminal supplied with the vehicle
Automatically covered as an accessory to the vehicle (endorsement 41 or 43 depending on the insurer).
Fixed 240 V charging station at home
Covered by the home policy as a fixed equipment. Declare the installation to your home insurer.
Personal cables and adapters
Check the personal accessory limit in your car policy — often $500-$1,500. Enough for most cases.
Our recommended EV combo
FPQ 5 + telematics + certified anti-theft + fixed charging station declared to the home policy. Accumulating EV rebates (5-10%) + manufacturer (5%) + telematics (10-25%) can bring your premium to a level comparable to or lower than an equivalent gasoline SUV.
Properly insuring your charging station
| Element | Coverage | Where to report |
|---|---|---|
| Fixed 240 V bollard (manufacturer) | Fire, theft, vandalism, lightning | Police home |
| and Breakage Fire and Breakage | Wiring | HomePolice |
| Mobile terminal provided | Vehicle accessory | Car policy |
| Cables/Adapters J1772/CCS | Personal Accessories | Car Police (Limited) |
| Battery backup (Powerwall) | Fire, theft, vandalism, lightning | Home police |
*Indicative rates 2026. Get your exact price in 3 minutes.
Don’t forget to declare the fixed terminal
A 240 V charging station permanently installed without declaration to the home insurer may not be covered in the event of a fire (often related to non-compliant installations). Adding to the file is free or $20-50/year depending on the value.
Insure your EV smart
Compare 8+ insurers for your Tesla, Ioniq or Lightning
Our brokers negotiate EV, manufacturer and telematics discounts — free in 3 minutes.
Free quote Call a brokerOur car range
Electric car insurance
Tesla, Ioniq, Lightning — we know the best EV insurers.
Gasoline/hybrid car insurance
Compare 8+ insurers for your car or SUV.
Home insurance + charging station
240 V terminal statement included in our analysis.
Assur360 covers all of Quebec
Whether you are in Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay or Thetford Mines, our AMF-certified brokers compare electric vehicle and charging station insurance with several partner insurers in Quebec.
Related articles
FPQ 5 for luxury vehicles and EVs
EV-specific replacement cost protection.
Car price increase 2026
How to compensate for the rise in 8 ways.
Top 10 Stolen Vehicles 2026
Are Teslas at risk in Quebec?
Comparison of 7 insurers in Quebec
The complete 2026 ranking by service and price.
Frequently asked questions about EV insurance
Why trust Assur360?
Ready to insure your EV?
Tesla, Ioniq, Lightning quote in 3 min
Our Assur360 brokers negotiate EV discounts with 8+ insurers — free and without obligation.
Free quote Call a broker
