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Car insurance rate comparison by car brand

The brand of your car directly influences the cost of your car insurance in Quebec. Cost of parts, frequency of theft, safety rating — each manufacturer has a different risk profile. With Assur360, compare rates from 30+ AMF-certified insurers for your specific make and model, and find the best coverage at the best price.

INSURANCE RATES BY BRAND

Compare car insurance premiums by car brand

Honda, Toyota, BMW, Hyundai, Ford, Chevrolet and 30+ other brands — find the lowest rate in Quebec.

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Choose your vehicle brand

Select the brand of your car to access the specific insurance guide with rates, coverage and advice adapted to your manufacturer.

Other brands available

Fiat Jaguar Jeep KIA Lexus Mercedes Tesla Alfa Romeo Bentley Ferrari Hummer Land Rover Maserati McLaren Mini Mitsubishi Polestar Porsche Rolls Royce Subaru Volvo

Average Auto Insurance Rates by Brand Category in Quebec

Car insurance premiums vary greatly depending on the vehicle category. Here is an overview of the average annual rates in Quebec for comprehensive coverage (civil liability + collision + all risks).

brands annual premium 900 1,000 1,200 1,500 2,500 2,200
CategoryTypicalAverageKey Factor
EconomicalHyundai, KIA, Nissan, Mazda$650 — $Affordable Parts
Popular reliableHonda, Toyota, Subaru$700 — $Proven reliability
AmericanFord, Chevrolet, GMC, Dodge$800 — $More expensive SUVs/pickups
PremiumVolkswagen, Volvo, Acura, Infiniti$1,000 — $Imported parts
LuxuryBMW, Audi, Mercedes, Lexus$1,400 — $Costly repairs
Exotic / SportPorsche, Ferrari, Maserati, McLaren$3,000 — $8,000+High value + risk of theft
ElectricTesla, Polestar, Hyundai Ioniq$1,100 — $Expensive battery

* 2026 indicative rates in Quebec for a 35-year-old driver, without claims, full coverage. The actual price depends on your profile, exact model and region.

What factors cause the price to vary depending on the brand?

🔧 Cost of repairs

The parts of a BMW or Mercedes cost 2 to 4 times more than those of a Honda or Toyota. Insurers pass this cost directly on to the premium.

🔒 Flight frequency

Some brands and models are more targeted by thieves. Recent Hyundais and KIA have seen their premiums increase due to their vulnerability to theft.

⭐ Security Clearance

Vehicles with a high IIHS or NHTSA rating (5 stars) receive reduced bonuses. ADAS (automatic braking, blind spot detection) systems also help.

💰 Value of the vehicle

The more expensive the vehicle, the more collision and comprehensive coverage costs. An $80,000 luxury SUV logically costs more to insure than a $25,000 sedan.

🏎️ Engine power

High-horsepower vehicles (V8, turbo) are associated with more serious accidents. A Dodge Charger costs more to insure than a Dodge Journey.

📊 Claims history

Insurers analyze claim statistics by make and model. A model with a high loss rate will see its premium increase for all its owners.

💡 Broker’s Advice — Before You Buy Your Next Vehicle

Get an insurance quote before you buy your car, not after. The premium difference between two similar models can be as high as $500 to $1,500 per year. For example, a Honda CR-V costs significantly less to insure than an Acura RDX, even though they share the same platform.

How to Compare Rates in 4 Steps

1

Identify your make and model

Select your brand from the directory above to access the specific guide with prices and tips for your manufacturer.

2

Fill out the submission form

In 3 minutes, provide your vehicle details (year, model, mileage) and driver profile (age, history, zip code).

3

Receive your comparative quotes

Your AMF-certified broker compares offers from 30+ insurers and presents you with the best options for your exact make and model.

4

Choose and save

Select the plan that’s right for you. Your broker takes care of everything — policy issuance, pink cards, and support in the event of a claim.

Find the best rate for your brand

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Car insurance by brand anywhere in Quebec

Our AMF-certified brokers compare the offers of the best insurers in all regions of Quebec. Whether you are in Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Drummondville, Longueuil, Saint-Jean-sur-Richelieu or Rimouski, rates vary from one insurer to another and from one region to another. A local broker knows the most competitive insurers for your brand in your industry.

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Frequently Asked Questions — Insurance Rates by Brand

Why are some brands more expensive to insure?
Luxury or sports brands (BMW, Audi, Mercedes, Porsche) are more expensive due to the high cost of spare parts, the complexity of repairs and the increased risk of theft. Popular brands like Honda and Toyota have abundant and affordable parts.
What is the cheapest brand to insure in Quebec?
The Japanese and Korean economy brands: Hyundai, KIA, Mazda and Nissan for compact sedans, and Honda and Toyota for the best reliability/cost ratio. Premiums between $650 and $1,000 for a claim-free driver.
Does the color of the vehicle affect the price of the insurance?
No, it’s a widespread myth. Insurers do not take colour into account. The determining factors are the make, model, year, engine power, safety equipment and your driver profile.
Do electric vehicles cost more to insure?
Yes, on average 15 to 30% more expensive. The main reason is the cost of replacing the battery ($10,000 to $25,000) and the need for specialized technicians. However, some insurers offer “green vehicle” discounts.
Does an SUV cost more to insure than a sedan of the same brand?
Generally yes, 10 to 25% more expensive due to the higher replacement value and higher mass. However, some compact SUVs with excellent safety ratings (Honda CR-V, Toyota RAV4) have very competitive premiums.
How does the frequency of flight affect my award?
Frequently stolen models see their premium increase significantly. In Quebec, the most stolen models include some Honda CR-V, Lexus RX, Toyota Highlander and Dodge RAM. A certified ignition interlock or GPS tracking device can reduce the impact.
Do I have to change insurers if I change car make?
Not necessarily, but it’s a great time to compare. Some insurers specialize in luxury vehicles and offer better rates for BMW or Audi, while others excel for popular brands.
Does the Assur360 comparator cover all brands?
Yes, Assur360 compares prices for all brands sold in Canada — from economy (Hyundai, KIA) to luxury (BMW, Mercedes, Porsche) to electric (Tesla, Polestar). Our 30+ partner insurers cover the entire market.

Why compare with Assur360?

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AMF certified

Brokers supervised by the Autorité des marchés financiers du Québec.

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ChAD Member

Chambre de l’assurance de dommages — a guarantee of professionalism.

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100,000+ Submissions

Thousands of Quebecers have already compared and saved with us.

Compare rates for your brand in 3 minutes

30+ Quebec insurers. All brands. Free and without obligation.

* This content is provided for informational purposes. It should not be construed as insurance advice. Only a duly authorised professional is able to analyse your situation and provide you with appropriate advice.

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