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FREE QUOTE — 3 MINUTES

Online car insurance quote in Quebec

Compare up to 25 Quebec insurers in minutes and save up to 25% on your premium. AMF certified brokers, no obligation, 100% confidential.

25+
Insurers Compared
3 min
Quick Quote
25 %
Avg savings.
100 %
AMF Brokers

Getting a car insurance quote online in Quebec has never been easier. At Assur360, a firm certified by the Autorité des marchés financiers (AMF), our independent brokers compare the offers of more than 25 Quebec insurers for you and present you, in complete transparency, with the best protection at the right price. Fill out the form below — it’s free, non-binding and confidential.

Request your quick and free car quote

Answer a few simple questions about your vehicle and driver profile. An Assur360 broker will get back to you with the best deals on the market — usually within 24 business hours.

AUTO (#21) - sbinet@assurancia.ca
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Broker’s advice

Before bidding, have your FAST certificate (or current renewal notice), the vehicle’s registration document and the driver’s licenses of all the drivers in the household ready. You’ll get a firm price (not a rough estimate) in just a few minutes.

Why go through a broker for your car quote?

Unlike a captive agent tied to a single insurer, an independent auto insurance broker shops around for you among multiple companies. The result: same coverage, lower price. And if your profile changes (new vehicle, moving, young driver), the broker adjusts your policy without making you start from scratch.

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Actual Comparison

25+ Quebec insurers analyzed in parallel. Same protection, same deductible — you see the real price difference between the offers.

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Up to 25% savings

Our clients save an average of $200 to $700 per year by switching insurers through Assur360. Multi-policies auto + home = additional discount.

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AMF Human Counsel

An AMF-certified broker analyzes your profile and recommends the right coverages — not the ones that pay the most commission.

How to get your quote in 4 steps

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1

Fill out the form (3 min)

Information about your vehicle, driver profile, desired coverage, and postcode. No financial information is requested.

2

A broker contacts you

Within 24 business hours, an AMF-certified broker will contact you to validate the details and optimize your file (applicable discounts, good deductibles, etc.).

3

You receive the best offers

Clear comparison: monthly price, deductible, limits, applicable discounts. You choose the offer that suits you — or nothing at all, without pressure.

4

Subscription & Immediate Proof

Electronic signature, monthly payment without fees, pink FAST card sent by email in less than an hour. You can hit the road the same day.

Approximate monthly premiums by city — Quebec 2026

Prices vary depending on your driving record, age, use, vehicle and neighbourhood. These are typical ranges seen from our customers in 2026 for an experienced driver with a clean record.

RC CityOnlyAllRisks Local Trend
Montreal$60 to $95$130 to $210Heavytraffic, higher flights depending on neighborhood
Laval$55 to $90$120 to $195SUV/pickup trucks: often higher premiums
Longueuil$52 to $85$115 to $185Couponsif garage/lock
Quebec City$$50 to $80$110 to $180Stablesegment, interesting telematics
Levis$48 to $78$105 to $175Multi-policy(car + home) paid
Gatineau$52 to $88$115 to $190Interprovincialtraffic
Sherbrooke$48 to $75$100 to $170Indoorparking = best rate
Trois-Rivières$47 to $73$98 to $165Stableprofiles well valued
Saguenay$45 to $72$95 to $160Wintermarked: tires/habits influence
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Beware of false declarations

Omitting a claim, concealing a regular driver, or underreporting your mileage can void your policy. In the event of an accident, the insurer is entitled to refuse compensation. Be transparent with your broker — it’s your best protection.

What coverage should you choose for your car?

In Quebec, liability insurance (RC) is mandatory — minimum $50,000, but we strongly recommend $1 million or $2 million. The collision and all-risk protections (chapters B2 and B1) are optional but essential if your vehicle is worth more than $5,000 or if it is still financed.

Chapter A — Civil liability

Required. Covers property damage and bodily injury you cause to others. Recommended: $1 million to $2 million.

Chapter B — Your Vehicle

Optional but recommended. Covers your own car: collision (B2), theft/fire/vandalism (B3) or all-risk (B1).

Useful amendments

Replacement cost (FAQ 43), replacement vehicle (FAQ 20a), roadside assistance, winter tyre replacement… to be evaluated with your broker.

How to lower the price of your car insurance?

Several levers can reduce your premium without sacrificing your coverage. An Assur360 broker helps you activate them one by one:

  • Multi-policy discount: combine auto + home = 10 to 15% savings.
  • Telematics (Ajusto, My Driving): up to 25% for safe driving.
  • Approved anti-theft device (Tag, Sherlock): discount of up to 10% for targeted SUVs/pickup trucks.
  • Higher deductible ($500 → $1,000): premium reduced by 10-15%.
  • Annual payment instead of monthly: 2-5% savings.
  • Reduced annual mileage (telecommuting): Honestly reporting 10,000 km can save $50 to $150/year.
  • Recognized defensive driving course (especially young drivers).
  • Clean record: 3 to 6 years without a claim = best FCSA score.

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Car Quote Anywhere in Quebec

The brokers of our Assur360 partner firms serve the entire territory of Quebec. Whether you live in Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières, Saguenay, Lévis, Terrebonne, Saint-Jean-sur-Richelieu, Thetford Mines or Drummondville, we shop for your policy with the insurers in your area — and we take into account local particularities (winter, traffic, flights, distances).

Frequently Asked Questions — Online Car Quote

How long does it take to get an online auto insurance quote?
On average, it takes 3 to 5 minutes to fill out the form. An Assur360 insurance broker will then contact you within 24 business hours with the best personalized offers. The full subscription can be completed the same day via electronic signature.
What documents do I need for an auto quote?
Prepare your current renewal notice (or FAST certificate), the SAAQ registration certificate, the driver’s licenses of all household drivers, and the claims history for the last 5 years if available. The more accurate the information, the firmer the price.
Is the quote really free and without obligation?
Yes, 100%. The broker is paid by the insurer only if you subscribe. You can compare, discuss, ask questions, and decline — no fees, no obligation. Learn more about the broker’s role.
Are my personal data secure?
Yes. Assur360 complies with the Law 25 on the protection of personal information and uses TLS encryption. Your data is never sold or shared with third parties not involved in your file.
Can I get a quote if I have had a responsible accident?
Absolutely. A file with a responsible claim is always insurable — but some companies will be more competitive than others. This is exactly where the broker adds value: they know who accepts which profile at the right price.
What is the difference between a $1M and a $2M liability coverage?
Liability coverage covers the damages you cause to others. At $1M, a higher settlement leaves you responsible for the difference on your personal assets. At $2M, you are much better protected for just a few dollars more per month. We recommend $2M in most cases.
Is the cheapest quote the best?
Not always. A very low price may hide a higher deductible, the absence of new value coverage, or exclusions on certain risks. Our role is to compare at the same coverage so you can see the real difference. The real question is not “the cheapest?”, but “the best value for money?”.
How many insurers do you actually compare?
Assur360 partners with over 25 auto insurance companies present in Quebec. Depending on your profile, 5 to 10 will be competitive — we present you with the top 3 offers with a clear comparison (price, deductible, endorsements).
Does my Quebec auto insurance cover me in the United States?
Yes, your Quebec policy covers you in North America (United States and Canada) — but it is wise to ask your broker for a bilingual pink card before a trip. Liability limits may also be automatically increased to US amounts.
Can I change insurers during the year?
Yes. You can cancel your policy at any time with notice. Your current insurer will refund you the unused premium on a pro-rata basis. An Assur360 broker manages the transition for you — without interruption of coverage.
“Quote in 3 minutes”: is that realistic?
Yes, for the form part. The first estimate is immediate if your file is simple. A broker then refines the price within 24 hours by validating applicable discounts (telematics, multi-policies, anti-theft, etc.) — this is where the most interesting savings are made.
Do you cover sports and luxury vehicles?
Yes. High-end, sports, or BMW and luxury brands require specialized insurers — we work with them. A few good practices (closed garage, certified anti-theft, pleasure mileage) can reduce the premium by 15% to 30%.

Why trust Assur360?

✓AMF certified firm
✓ Insurance Chamber Member Brokers
✓100,000+ quotes completed
✓13 partner firms in Quebec
✓Independent Broker — 25+ insurers
✓ Law 25 Compliant
✓Direct Line: 1-866-357-4451
✓Service available anywhere in QC

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25+ insurers compared, 3 minutes, no commitment.

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