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Car Insurance by City in Quebec — Compare Prices

CAR INSURANCE BY CITY

Compare car insurance in your city in Quebec

Car insurance premiums vary from 200 $ to 800 $ depending on your city. Discover the rates in your area and get the best quote with our certified AMF insurance brokers.

50+
Cities covered
17
Quebec Regions
10+
Insurers Compared
100 %
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Why does the price of car insurance vary depending on your city?

In Quebec, your postal code directly influences your car insurance premium. Insurers analyze claims statistics, vehicle theft rates, traffic density, and road conditions specific to each city. As a result, an identical driver may pay 30% to 50% more in Montreal than in Rimouski for the same coverage. By comparing offers from multiple insurers through a certified AMF broker, you ensure that you get the best rate available in your city.

The 5 factors that vary the premium by city

1

Theft and vandalism rates

Cities with a higher vehicle theft rate (Montreal, Laval, Longueuil) result in higher premiums for comprehensive coverage.

2

Traffic density

The heavier the traffic, the greater the risk of collision. Drivers in the suburbs generally pay less than those in the city centre.

3

Local claims history

Insurers compile claims statistics by postal territory. An area with more collisions or weather-related claims costs more.

4

Road conditions and climate

Regions with harsher winters (Saguenay, Bas-Saint-Laurent) or prone to flooding may have seasonal surcharges.

5

Distance from garage and parking

A vehicle parked in a closed garage costs less to insure. In the city, street parking increases the risk of damage and theft.

Average car insurance price by major city in Quebec

CityRegionEstimated Annual PremiumRisk Level
MontrealMontreal$900 – $2,000High
LavalLaval$800 – $1,800High
LongueuilMontérégie$750 – $1,600Medium
Quebec CityCapitale-Nationale$600 – $1,400Medium
GatineauOutaouais$650 – $1,400Medium
SherbrookeEstrie$550 – $1,200Low
SaguenaySaguenay–Lac-Saint-Jean$500 – $1,100Low
RimouskiBas-Saint-Laurent$450 – $1,000Low

Source: premiums observed by the Assur360 network of insurance brokers, 2025-2026. Based on a 35-year-old driver, good record, average value vehicle.

Find your city by region

Montreal and Laval

Montérégie

Lanaudière

Capitale-Nationale and Chaudière-Appalaches

Eastern Townships and Outaouais

Saguenay and Bas-Saint-Laurent

Abitibi-Témiscamingue

Tips to save on car insurance in your city

Compare 3+ quotes

Differences between insurers can exceed $500 for the same coverage. An insurance broker automatically compares offers from more than 10 insurers.

Combine car + home

The multi-product discount can be as high as 15% to 25% with most insurers. Ask your insurance broker for a bulk quote.

Indoor parking

Parking your vehicle in a closed garage can reduce your premium. In the city, each protective factor counts for the calculation of the risk.

⚠️ Don’t just rely on the price displayed online

Online comparators do not take into account your complete file. Only an AMF-certified broker can access the real rates of insurers and negotiate exclusive discounts. In addition, some important coverages (replacement cost, FAQ 43a endorsement) are not always included in the advertised prices.

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Get the best price in your city

No matter your city, our insurance brokers find the coverage that fits your budget. Compare for free in just a few minutes.

Free and no obligation service — AMF certified brokers

Frequently asked questions — Car insurance by city in Quebec

Why does auto insurance cost more in Montreal?
Montreal combines several risk factors: high traffic density, one of the highest vehicle theft rates in Quebec, frequent street parking, and a higher number of accidents. Insurers incorporate these statistics into the calculation of the premium, which can make it 30% to 50% higher than in rural areas.
What are the cheapest cities for auto insurance in Quebec?
Cities in rural areas like Rimouski, Saguenay, Alma, Rivière-du-Loup, and Thetford Mines generally offer the lowest premiums, often between $450 and $1,000 per year. The low traffic density and lower theft rates explain these favorable rates.
Will my move change my auto insurance premium?
Yes. Your postal code is a determining factor in the calculation of your premium. A move from Montreal to Sherbrooke could reduce your premium by 20% to 30%. You must notify your insurer within 30 days of the address change — this is a contractual obligation.
Does the postal code really influence the price of insurance?
Absolutely. Insurers analyze claims statistics by postal territory. Two neighboring postal codes can have different premiums if one is associated with a higher claims rate. That’s why it’s important to compare offers specific to your address.
How much can I save with a broker vs direct insurance?
A broker compares offers from more than 10 insurers simultaneously, which can save you between $200 and $600 per year compared to a direct insurer. The service is free — the broker is paid by the insurance company, not by you.
Is auto insurance mandatory in Quebec?
The SAAQ covers bodily injury through the public system. However, liability insurance (minimum $50,000, recommended $2,000,000) is mandatory to cover property damage caused to others. Collision and comprehensive coverage are optional but highly recommended.
How can I get the best quote for my city?
Fill out our online quote form in 3 minutes. Our AMF certified brokers will compare offers from several insurers and provide you with the best price available for your postal code, vehicle, and driver profile.
Do winter tires influence my premium based on my city?
Yes, most insurers offer a 3% to 5% discount for winter tires. Since they are mandatory in Quebec from December 1 to March 15, this discount is available everywhere. In northern regions (Saguenay, Abitibi), some insurers place even more value on this safety factor.
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