Young driver car insurance in Quebec
Competitive premiums tailored to your profile. Get a clear quote: $2 million civil liability, all risks, glass breakage. The brokers of our AMF-certified partner firms compare 9+ insurers and optimize the price with telematics, multi-policy and adjusted deductible discounts.
Car insurance adapted to the young driver
Starting behind the wheel shouldn’t cost a fortune. With Assur360, get a clear quote and competitive premiums adapted to your profile: age, driving history, mileage, type of vehicle. We compare essential coverage for you and optimize the price with tangible discounts — solid coverage, without paying for unnecessary options.
How to get your quote in 4 steps
Fill out the form
In less than 3 minutes, indicate your profile, your vehicle and your needs.
Multi-insurer comparison
Our partner brokers’ brokers compare 9+ companies to find the best price.
Personal advice
An AMF-certified broker explains each option to you clearly.
Save
Choose the best coverage at the best price, without compromise.
Why are premiums higher for a young driver?
The challenge of experience
Insurers take into account your limited driving history, which influences the cost of your car insurance. With time and practice, you will gain experience and your premiums will naturally drop.
The numbers speak for themselves
According to SAAQ statistics, drivers aged 16 to 24 are overrepresented in accidents with injuries in Quebec. This explains why your car insurance premiums are higher at the beginning of your driving career, but each file is evaluated individually.
How to save on your car insurance at 18-25 years old
Car insurance for young drivers can be more expensive, but there are several concrete ways to reduce your bill. Opt for a safer, less powerful car, maintain a good driving record, and consider bundling your car and home insurance. Use a car insurance comparison tool to validate your prices each year.
Key Tip for Young Drivers
Bundling your car and home insurance with the same insurer can generate a multi-policy discount of 5 to 15%. Add a $1,000 deductible if you can afford it and a telematics device to prove your good behavior. These three levers combined can significantly reduce your premium.
How much does car insurance cost for a young driver in Quebec?
Rates vary depending on several factors: region, vehicle type, level of coverage and driving history. As an indication, here are the ranges observed in 2026 by Assur360 brokers for an 18-24 year old driver without a claim.
| Profile | Indicative annual premium | coverage |
|---|---|---|
| Student 18 years old, 2015 Honda Civic | Liability $2 million + collision | 2,400 – $3,200 |
| Student 20 years old, 2018 Toyota Corolla | All Risks | $2,000 – $2,800 |
| 22 years old driver, 2020 Mazda 3 | All Risks + Glass Breakage | $1,800 – $2,500 |
| 24-year-old driver, 2021 Hyundai Elantra | All Comprehensive + Quebec 27 endorsement | $1,500 – $2,200 |
The rates shown are general ranges observed. Your actual quote depends on your complete file: postal code, mileage, exact vehicle, history, claims, etc.
6 Winning Strategies for Insuring a Young Driver
Recognized Driver Training
Some insurers offer discounts for drivers who have completed a training program recognized by the SAAQ.
Addition to the Parents’ Policy
Being added as an occasional driver to a parent’s contract can reduce costs — as long as you honestly declare the use.
Multi-insurer comparison
Each company has its own pricing. Differences can exceed $800 per year for the same profile.
Higher deductible
Increasing the deductible from $250 to $1,000 can reduce the premium by 10 to 20 per cent, as long as you can afford the amount.
Telematics device
A box or app that measures your driving can generate a discount of up to 25% if you drive safely.
Well chosen vehicle
A car that is less powerful, less expensive and with good safety tests costs significantly less to insure than a sports SUV.
Recommended vehicles for a young driver
The choice of vehicle has a major impact on the premium. Choose a car with good safety test results and a modest engine. Here are the most economical models to insure for a young driver.
Honda Civic
Reliable, good repair history, low loss rate. See Honda Insurance.
Toyota Corolla
Excellent security, affordable parts, rare among thieves. See Toyota Insurance.
Mazda 3
Compact safe, up-to-date technology, competitive premium. See Mazda Insurance.
Hyundai Elantra
Long manufacturer’s warranty, good IIHS tests. See Hyundai insurance.
Kia Forte
Good value, standard safety equipment. See Kia Insurance.
Nissan Sentra
Affordable sedan, generally economical insurance. See Nissan insurance.
⚠ To be avoided at all costs: to declare a parent as the main driver while the young driver uses the vehicle on a daily basis. In the event of a claim, the insurer may refuse the claim or cancel the contract for misrepresentation. Always declare the reality of use.
Why trust Assur360?
Service available throughout Quebec
Assur360 serves all of Quebec. Get your young driver insurance quote whether you are in Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières or Saguenay. Online and telephone service, even in remote areas.
Frequently asked questions — Young driver insurance
What are the specificities of insurance for young drivers?
Insurance for young drivers has certain specificities due to the increased risk perceived by insurers. Drivers between the ages of 18 and 25 are considered more at risk due to their lack of experience, which usually results in higher premiums. There are several ways to reduce costs: multi-insurer comparison, telematics device, adjusted deductible and multi-policy.
Which vehicle is the cheapest to insure for a young driver?
Less powerful cars with good safety test results are the least expensive to insure. Reliable compacts like the Honda Civic, Toyota Corolla, Mazda 3, Hyundai Elantra and Kia Forte offer the best rates for a young driver in Quebec.
How can I reduce my car insurance premium?
Compare offers from several insurers (a broker like Assur360 does the work for you), increase your deductible from $250 to $500 or $1,000, bundle your car and home insurance (multi-policy), install a telematics device and maintain a clean driving record.
“One Edge” or “Both Sides”: Which Is Better?
It depends on the value of the vehicle and your budget. “On Both Sides” (collision + comprehensive coverage) is recommended for a vehicle less than 8 years old or worth more than $6,000. “One Edge” (civil liability only, mandatory in Quebec) only protects damage to others and may be suitable for an old, low-value car.
How can you pay less in 2026 without reducing the protection too much?
Choose a car that is less expensive to insure, adjust the deductible, bundle your insurance, limit the mileage declared to your actual use, and above all compare quotes with equivalent coverage. An Assur360 broker does all of this work for you, free of charge.
Does a driving course really help?
Often, yes. Some insurers take into account training recognized by the SAAQ and offer a discount for young people who have completed the full program. The impact varies depending on the insurer and your overall file.
Does the annual mileage influence the quote?
Yes. Usage and annual mileage are important factors: the more you drive, the greater the risk and the more the premium can vary. Report your actual mileage — underreporting can result in a claim denial.
Why do two bids give different prices?
Because the coverages, deductibles, exclusions, discounts and the method of evaluating certain elements vary from one insurer to another. Always compare the same coverages for a fair comparison. That’s exactly what a broker from our partner firms does.
Is an online submission “final”?
This is often an estimate based on your answers. The price can be confirmed or adjusted if certain information needs to be validated (driving history, claims statement, precise postal code) before the contract is issued.
Does insurance in the name of parents cost less?
Sometimes, but it depends. The key is to correctly declare who is the main driver and how the vehicle is used. It is better to avoid false declarations: in the event of a claim, the insurer can refuse the claim and cancel the contract.
If I go from 0 to >,000 deductible, does that reduce the price?
Yes, it can lower the premium by 10 to 20%, but it increases your financial exposure. The right test: can I really pay $1,000 if a claim happens tomorrow? If so, the high deductible is an excellent savings lever.
Is Assur360 available everywhere in Quebec?
Yes. Assur360 serves all of Quebec, regardless of your city or region. The service is available online (quick quote) and by phone with a broker. Available in Montreal, Quebec City, Laval, Gatineau, Trois-Rivières, Saguenay, Sherbrooke, Longueuil and the surrounding areas.
Protect your vehicle at the best price
The brokers of our AMF-certified partner firms compare 9+ insurers to find you the best car coverage for young drivers in Quebec.
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