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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 range from $200 to $800 depending on your city. Find out the rates in your area and get the best quote with our AMF-certified 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 can pay 30% to 50% more in Montreal than in Rimouski for the same coverage. By comparing the offers of several insurers via an AMF-certified broker, you can 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

annual premium
CityRegionEstimatedRisk level
MontrealMontreal$900 – $2,000High
LavalLaval$800 – $1,800High
LongueuilMontérégie$750 – $1,600Medium
QuebecCapitale-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 broker network, 2025-2026. Based on a 35-year-old driver, good record, medium-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. A 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 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.

Why trust Assur360?

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50+ cities

Everywhere in Quebec, from Montreal to Sept-Îles

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Obtenez le meilleur prix dans votre ville

Peu importe votre ville, nos courtiers trouvent la couverture adaptée à votre budget. Comparez gratuitement en quelques minutes.

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Frequently asked questions — Car insurance by city in Quebec

Why is car insurance more expensive in Montreal?
Montréal 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 integrate these statistics into the calculation of the premium, which can make it 30% to 50% higher than in the regions.
What are the cheapest cities for car insurance in Quebec?
Regional cities such as 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 flight rates explain these advantageous fares.
Will my move change my car insurance premium?
Yes. Your postal code is a determining factor in the calculation of your premium. Moving from Montreal to Sherbrooke could reduce your premium by 20% to 30%. You must notify your insurer within 30 days of the change of address — this is a contractual obligation.
Does the postal code really influence the price of insurance?
Absolutely. Insurers analyse claims statistics by postal territory. Two neighboring zip codes may 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 car insurance mandatory in Quebec?
The SAAQ covers bodily injury through the public plan. However, civil 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 strongly recommended.
How do I get the best quote for my city?
Fill out our online submission form in 3 minutes. Our AMF-certified brokers will compare offers from several insurers and offer you the best price available for your postal code, your vehicle and your driver profile.
Do winter tires affect my premium depending 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 the northern region (Saguenay, Abitibi), some insurers place more value on this safety factor.
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