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2026 Quebec Auto Insurance Rate Increase: Numbers, Causes, and Solutions

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The year 2026 marks a significant increase in car insurance rates in Quebec — between +6% and +12% depending on the profile, with peaks of +15% for some segments. Theft of recent vehicles, rising repair costs, high civil liability judgments: the causes are piling up. Our AMF-certified Assur360 brokers decipher the 2026 figures and propose 8 concrete ways to offset the increase.

Price increase 2026

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+6 to +12%
Average increase 2026
+18 %
Cost of repairs since 2024
15-30 %
Medium Savings
3 min
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The 3 causes of the 2026 increase

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Repair costs +18%

On-board electronics, mandated parts, specialized labor. A front door is worth $3,000-8,000 to repair on a recent SUV.

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Vehicle thefts on the rise

RAV4, Highlander, Lexus RX targeted. +30% of thefts in Quebec since 2024. Car premium up for these models.

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Record civil liability benefits

Recent judgments $2-8 million in civil liability. Insurers adjust premiums to compensate.

8 concrete ways to compensate for the increase

1

Compare with 5+ insurers

The difference between the cheapest and the most expensive is often 40-60% for the same profile. Our Assur360 brokers compare 8+ insurers for free.

2

Increase your deductible

Going from $250 to $500 saves 5-10%. Going up to $1,000 saves 10-15%. Only do if you have the financial cushion.

3

Combining car + home

Multi-product discounts of 10-15% at most insurers. If your home is elsewhere, shop the combo.

4

Removing non-essential endorsements

Roadside assistance already with CAA? Broad rental coverage endorsement already via credit card? Remove duplicates — $30-100/year in savings.

5

Add cost-effective endorsements

FAQ 34 (replacement vehicle) and FAQ 27 (damage to someone else’s vehicle) are underused and inexpensive. Better ROI in the event of a claim.

6

Install a telematics device

Intact Drive, Belairdirect DrivExpert, Desjardins Ajusto programs. 10-25% discount for good driving. Test for 3 months.

7

Install a certified lock

On high-risk vehicles (RAV4, Highlander). Cost $400-1,200. 5-15% discount with many insurers. Pay-for in 3-5 years.

8

Reduce annual mileage reported

Going from 20,000 to 12,000 km/year saves 5-10%. Never declare less than the truth — the insurer can refuse in the event of a claim.

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Our recommended strategy

Combine annual shopping + telematics + $500 deductible. Cumulative average savings: 25-40% on premiums — which fully offsets the 2026 increase and often saves you money on top of it.

Rise by profile segment

$1,2001,290-1,340$$
Premium profiletype 2025Premium type 2026*Variation
Driver 40 years old, 15 years experience, family SUV+7 to +12%
Young driver 22 years old, 4-year license, sedan$2,4002,640-$2,760+10 to +15%
Retired 65 years old, low mileage, mini-SUV$800$840-880+5 to +10%
Tesla Model YOwner $1,8001,980-$2,070+10 to +15%
RAV4 Owner (Risky Flight)$1,500$1,680-$1,800+12 to +20%

*Indicative rates 2026. Get your exact price in 3 minutes.

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Never renew without shopping

Quebecers’ No. 1 mistake: accepting automatic renewal by default. In 2026, this error can cost you $300-800 more per year. Our Assur360 brokers compare for free in 3 minutes — no commitment, all the work is done for you.

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Compare 8+ insurers in 3 minutes

Our AMF-certified brokers will find you the best price in 2026 — free and without obligation.

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Our range of comparators

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Car insurance

Compare 8+ insurers for your car, SUV or light truck.

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Home insurance

Auto + hab combo for multi-product discounts 10-15%.

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Motorcycle insurance

Shop before the next season — similar increase.

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 auto rate comparisons with several partner insurers in Quebec.

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Frequently asked questions about the 2026 rise

How much will car rates increase in Quebec in 2026?
According to forecasts from the Insurance Bureau of Canada (IBC) and the grids published by the main insurers, the average increase in 2026 is between +6% and +12% on standard policies, with peaks of +15% in certain segments (young drivers, vehicles with a high risk of theft, luxury SUVs).
Why such a significant increase?
There are three main causes: 1) increase in repair costs (electronics, parts, specialized labor +18% since 2024), 2) explosion in thefts of high-end vehicles (RAV4, Highlander, Lexus RX), 3) increase in civil liability benefits following recent judgments.
How do I know if my insurer applies the increase?
Your annual renewal normally arrives 30-45 days before the end of the year. Compare the new premium to the previous year’s premium. An increase of more than 5% justifies shopping around — our Assur360 brokers do it for free in 3 minutes.
What are the 8 ways to compensate for the increase?
1) Compare with 5+ insurers, 2) increase the deductible, 3) group car + home, 4) remove non-essential riders, 5) add profitable riders (FAQ 34), 6) telematics (10-25% discount), 7) install a lock, 8) reduce the annual mileage declared.
Can a telematics system really reduce my premium?
Yes — telematics programs (Intact Drive, Belairdirect, DrivExpert, Desjardins, Ajusto) offer 10-25% discount depending on the quality of driving. Our brokers recommend telematics for safe drivers who drive less than 20,000 km/year.
Is it better to keep my current insurer despite the increase?
Not necessarily. Loyalty discounts range from 3% to 8% with most insurers, while a well-researched change often results in savings of 15-30%. Loyalty pays off especially after 10+ years with the same insurer — below that, shop around systematically.
Is telematics intrusive on my privacy?
Telematics programs collect: speed, hard braking, acceleration, time of day, mileage. They do not collect your destination or your real-time location accessible by third parties. You can remove the device at any time.
How do I get a quote in 3 minutes?
Contact Assur360 online or at 1-866-357-4451. Provide: driver’s license, registration, driving record, vehicle value. Our AMF-certified brokers compare 8+ insurers and present you with the best price — free and without obligation.

Why trust Assur360?

✓AMF certified brokers
✓ Member of the Insurance Chamber
✓100,000+ submissions processed
✓Independent comparator
✓Partner firms in Quebec
✓ Bilingual service FR + EN

Don’t suffer the 2026 increase

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