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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.

Quick response A car insurance quote allows you to know the exact price of your premium before applying. On Assur360, the form takes 3 minutes and partner firms compare offers from 9+ partner insurers. Start your free quote.

25+
Insurers Compared
3 min
Quick Quote
25 %
Avg savings.
100 %
AMF-certified partner firms

Getting a car insurance quote online in Quebec has never been easier. At Assur360, a firm certified by the Autorité des marchés financiers (AMF), the brokers of our partner firms 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 for you with 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

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 $95130 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 $80110 to $180Stablesegment, interesting telematics
Levis$48 to $78105 to $175Multi-policy(car + home) paid
Gatineau$52 to $88$115 to $190Interprovincialtraffic
Sherbrooke$48 to $75100 to $170Indoorparking = best rate
Trois-Rivières$47 to $73$98 to $165Stableprofiles well valued
Saguenay$45 to $7295 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, civil liability (RC) insurance is mandatory — minimum $50,000, but we strongly recommend $1 million or $2 million. Collision and comprehensive coverage (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?

There are several levers that can reduce your premium without sacrificing your coverage. An Assur360 broker helps you activate them one by one:

  • Multi-policy discount : combining car + 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 an online car insurance quote take?
On average 3 to 5 minutes to fill out the form. An Assur360 broker will then contact you within 24 business hours with the best personalized offers. The complete subscription can be done the same day by electronic signature.
What documents do I need for a car quote?
Prepare your current renewal notice (or FAST certificate), the SAAQ registration certificate, the driver’s licences of all the drivers in the household and the claims statement for the last 5 years if available. The more precise 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 obligations. Learn more about the role of the broker.
Is my personal data secure?
Yes. Assur360 complies with Bill 25 on the protection of personal information and uses TLS encryption. Your data is never sold or transmitted to third parties not concerned by your file.
Can I get a quote if I have had an at-fault accident?
Absolutely. A file with an at-fault claim is always insurable — but some companies will be more competitive than others. This is exactly where the broker comes into its own: he knows who accepts which profile at the right price.
What is the difference between a $1 million and a $2 million RCA?
Civil liability covers damage that you cause to others. At $1 million, a higher settlement leaves you responsible for the difference in your personal wealth. At $2 million, you’re much better protected for about ten dollars more per month. We recommend $2 million in the majority of cases.
Is the cheapest quote the best?
Not always. A very low price may hide a higher deductible, no replacement cost, or exclusions on certain risks. Our role: compare to the same coverage so that you 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 is a partner with more than 25 car insurance companies 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 car insurance cover me in the United States?
Yes, your Quebec policy covers you in North America (U.S. and Canada) — but it’s prudent to ask your broker for a bilingual pink card before traveling. RCA limits can also be automatically increased to U.S. amounts.
Can I change insurer during the year?
Yes. You can cancel your policy at any time with notice. Your current insurer will refund the unused premium, on a pro-rata basis. An Assur360 broker manages the transition for you — with no interruption in coverage.
“Submission in 3 minutes”: is it 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 the applicable discounts (telematics, multi-policy, anti-theft, etc.) — this is where the most interesting savings are played.
Do you cover sports and luxury vehicles?
Yes. High-end vehicles, sports cars or BMWs and luxury brands require specialized insurers — we work with them. A few good practices (closed garage, approved lock, pleasure mileage) 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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