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Car Insurance Trois-Rivières

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In Trois-Rivières and throughout the Mauricie region, Assur360 compares more than 30 insurers to find you the best car insurance premium. Our AMF-certified brokers are familiar with local conditions — winter weather, Highways 40 and 55, regional car fleet — to adapt each policy to the real needs of drivers in the region.

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Car insurance in Trois-Rivières: what you need to know

Residential street in Trois-Rivières in autumn — Mauricie car insurance
Typical residential area of Trois-Rivières in Mauricie.

In Quebec, car insurance follows a mixed plan: the Société de l’assurance automobile du Québec (SAAQ) covers bodily injury in the event of an accident, regardless of fault, while private insurance covers physical damage to the vehicle. To drive in Trois-Rivières, Mauricie or elsewhere in Quebec, civil liability insurance is mandatory (minimum $50,000).

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Mandatory coverage

Civil liability (minimum $50,000 in Quebec) to cover damage caused to others. Without this coverage, you cannot drive in Trois-Rivières.

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Optional Coverage

Collision, all-perils, replacement cost, low mileage, roadside assistance, replacement car — to be chosen according to the age of the vehicle and use.

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Mauricie specificities

Winter tyres are mandatory (1Dec – 15 March), heavy traffic on roads 40 and 55, risk of collisions with wildlife in rural areas.

How to get a quote in Trois-Rivières

1

Fill out the online form

Vehicle information (make, model, year), driving history, Trois-Rivières postal code (G8T to G9C). 3 minutes maximum.

2

Compare 30+ insurers

The brokers of our partner firms analyze the offers of all partner insurers in Mauricie to identify the best premium according to your profile.

3

Receive your personalized offers

A broker contacts you with 2 to 3 quotes in less than 24 hours. No commitment, no fees.

4

Subscribe and save

Electronic signature, policy active within 24 hours. Average savings observed: 20 to 30% compared to the previous insurer.

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Winter tires — mandatory in Mauricie

In Quebec, winter tires are mandatory from December 1to March 15 on all vehicles. In Trois-Rivières, where snowfall exceeds 280 cm/year on average, many insurers offer a 5 to 10% discount if your 4-season tires are replaced by winter snowflake certified mountain tires.

How much does car insurance cost in Trois-Rivières in 2026?

The average car insurance premium in Mauricie is around $850 to $1,200 per year, slightly below the Quebec provincial average (~$980). The price depends on your profile (age, record, experience), your vehicle, and the coverage you choose. Here are some indicative examples for Trois-Rivières in 2026:

profile Toyota Corolla Honda CR-V Hyundai Tucson car Tesla Model 3 claim2021
DriverVehicleAnnual Premium Trois-Rivières
Young driver (18-24 years old)2020Starting at $1,450/year
Experienced Adult (35-50 years old)2022Starting at $720/year
Retired (65+ years)2019Starting at $540/year
Electric2023Starting at $880/year
Driver with a recentFord F-150Starting at $1,800/year

*Tarifs indicatifs 2026 pour la région de Trois-Rivières. Obtenez votre prix exact en 3 minutes.

Neighbourhoods and areas covered in Trois-Rivières

Assur360 serves all drivers in the greater Trois-Rivières area, approximately 142,158 inhabitants and more than 190,000 vehicles registered in the Mauricie region. Here are the main sectors covered:

🏙️ Downtown Trois-Rivières

Postal codes G9A — historic area, moderate car theft, urban parking. Competitive rates for vehicles less than 5 years old.

🌳 Cap-de-la-Madeleine

G8T – family-friendly residential area, low claims rate, ideal for young families and low premiums.

🌲 Pointe-du-Lac

G9B — semi-rural area on the shores of Lake Saint-Pierre, risk of collision with wildlife to be considered.

🏘️ Sainte-Marthe-du-Cap

G8T — quiet area, family car park, simplified quote process.

🏡 Saint-Louis-de-France

G8W — southwest suburb, quick access to Highway 40, stable driver profile.

🌅 Trois-Rivières-Ouest

G9A — Trois-Rivières sector along the Saint-Maurice, mixed residential/commercial.

Specific road risks in Mauricie

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Wildlife Collisions and Winter Conditions

The Mauricie region is one of the regions of Quebec with the most collisions with deer and moose (rural areas around La Tuque, Shawinigan, Pointe-du-Lac). Winter conditions on Highway 40 between Trois-Rivières and Berthierville are also among the most accident-prone in the province. Make sure you have wildlife collision coverage in your policy.

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How to reduce your premium in Trois-Rivières

🚗 Réduction multi-véhicules

Regrouper plusieurs véhicules de la famille chez le même assureur peut générer un rabais de 10 à 15 % sur chaque police.

🏠 Auto + habitation

Combiner votre assurance habitation à Trois-Rivières avec l’auto permet d’économiser jusqu’à 20 % sur la prime totale.

📏 Kilométrage réduit

Si vous habitez Cap-de-la-Madeleine ou Trois-Rivières-Ouest et conduisez moins de 15 000 km/an, plusieurs assureurs offrent un rabais de 5 à 12 %.

⚡ Véhicule électrique

Posséder une Tesla, Bolt, Leaf ou Ioniq donne droit à des rabais écologiques de 5 à 10 % chez plusieurs assureurs partenaires en Mauricie.

Cities served in Mauricie

Beyond Trois-Rivières, Assur360 serves the entire Mauricie region : Shawinigan, Bécancour, Grand-Mère, La Tuque, Louiseville, Yamachiche, Saint-Tite, Saint-Boniface, Sainte-Anne-de-la-Pérade and Saint-Étienne-des-Grès. The brokers of our partner firms know the road and demographic particularities of each sector to adapt the offers to local realities.

Related pages for drivers in Trois-Rivières

Frequently Asked Questions — Trois-Rivières Car Insurance

What is the average car insurance premium in Trois-Rivières in 2026?
The average premium in Mauricie is around $850 to $1,200 per year, depending on the driver’s profile, the vehicle and the coverage chosen. Experienced drivers without claims often pay less than $720/year for a family sedan.
What documents do I need to provide for a quote in Trois-Rivières?
SAAQ driver’s licence, registration certificate, previous insurer’s statement of experience (FAR), vehicle information (VIN, mileage), Trois-Rivières postal code (G8T to G9C depending on the neighbourhood).
When are winter tires mandatory in Mauricie?
In Quebec, certified winter tires (snowflake-mountain) are mandatory from December 1to March 15 on all passenger vehicles. In Trois-Rivières, where an average of 280 cm of snow falls per winter, many insurers offer a discount when your tires meet the standard.
Is my vehicle covered in the event of a collision with a deer in Mauricie?
Yes, as long as you have collision or comprehensive coverage in your policy. Civil liability protection alone does not cover this type of claim. Since the Mauricie region is a high-risk region (Route 155, La Tuque/Shawinigan sector), we strongly recommend this coverage.
How can I reduce my car insurance premium in Trois-Rivières?
Several strategies: group car + home (up to -20%), increase your deductible, declare an actual mileage of less than 15,000 km/year, install an approved anti-theft system, choose certified winter tires, and shop through an independent broker like Assur360 which compares 30+ insurers.
What is the difference between SAAQ and private insurance in Quebec?
The SAAQ covers bodily injury (injuries, disability, death) in the event of an accident, regardless of fault, anywhere in Quebec, including Trois-Rivières. Private insurance, which is mandatory and taken out through a broker or direct insurer, covers property damage (your vehicle, that of others, damaged property) as well as civil liability (minimum $50,000).
Which neighbourhoods in Trois-Rivières are covered by Assur360?
All sectors: downtown, Cap-de-la-Madeleine, Pointe-du-Lac, Sainte-Marthe-du-Cap, Saint-Louis-de-France, Trois-Rivières-Ouest, as well as the greater region: Shawinigan, Bécancour, Grand-Mère, La Tuque, Louiseville, Saint-Tite, Saint-Boniface.
Can you insure an electric car in Trois-Rivières?
Yes, and several insurer partners of Assur360 offer ecological discounts of 5 to 10% on electric vehicles (Tesla, Bolt, Leaf, Ioniq, Mach-E). Trois-Rivières has a growing network of charging stations (Circuit Électrique), and the province offers additional incentives through Roulez vert.
How does the joint report work in Quebec?
After a collision without injury in Trois-Rivières: 1) secure the scene, 2) call 911 if damage > $2,000 or injured, 3) fill out the joint report with the other driver (identity, registration, sketches, signatures), 4) contact your insurer within 24 hours, 5) have the vehicle evaluated by a certified appraiser.
What to do after an accident in Trois-Rivières?
Immediate steps: ensure safety, call 911 if necessary (Trois-Rivières police at 819-691-2929), fill out the joint report, photograph the damage, collect the contact information of witnesses, report the loss to your insurer within 24-48 hours. Assur360 supports you in the claims procedure.

Why trust Assur360 in Trois-Rivières?

✓Partner platform of AMF-certified firms
✓Partner firms that are members of the Chambre de l’assurance
✓100,000+ submissions since 2014
✓100% independent comparator
✓30+ partner insurers
✓Service in French — 1-866-357-4451

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