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2026 Quebec Car Insurance Renewal: Compare Before You Sign

Is your car insurance renewal in Quebec coming soon? Do not sign before comparing! At Assur360, an AMF-certified firm, our independent brokers compare 9+ insurers to save you money with each renewal. In 2026, premiums have gone up even higher — a call to us before your due date can save you $200 to $500 a year without changing your coverage. Request your free quote in 3 minutes.

AUTO RENEWAL 2026

Don’t sign before you compare—save $300 on average

Is your policy expiring? Our brokers compare 9+ insurers for you.

Free quote in 3 minutes
9+
Insurers Compared
$300
Medium Savings
3 min
By Submission
45 days
Before the ideal maturity

Why shop around for your renewal every year?

Your current insurer has no reason to offer you its best price: it knows that it is easier to renew you than to win you back. Here are the 3 truths that no one is telling you.

📈

Premiums go up even without accidents

Average increase of 5 to 12% per year in Quebec, regardless of your file. Shopping once every 2 years is enough not to be fooled.

🎯

New customers always get better

Insurers reserve their best rates for new customers. By switching, you become a new customer again and take advantage of this admission discount.

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A broker doesn’t cost you anything

The broker is paid by the insurer of your choice, not by you. Its service is free and you gain access to 30+ rates in one call.

When to shop for your car renewal?

1

45 days before maturity — ideal

Your renewal notice usually arrives 30-45 days before. It’s the perfect time to compare without pressure.

2

30 days before — tight but possible timing

Still time to compare, sign and avoid a cut. Call Assur360 quickly.

3

Same day — avoid

You risk a day without coverage. It’s best to accept the renewal and then shop around the next month (prorated cancellation).

4

During the policy — possible

No significant cancellation penalty: just a pro-rata refund. Switch as soon as a better deal is found.

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Assur360 Tip

Young people aged 16-24, drivers with a recent accident or owners of a luxury vehicle particularly benefit from shopping. Price differences between insurers can exceed $1,000 per year on the same profile.

Renewal rates observed in Quebec in 2026

$$$$$
Typicalcurrent premiumprofile Assur360 premium earned*
Couple 40-55 years old, 2 vehicles, clean record$1,5801,180 – $1,380
Driver 30-45 years old, sedan, good record$980760 – $880
Family with young driver (18-24)$2,9802,180 – $2,480
Driver 55+, newer vehicle$1,120820 – $980
Record with 1 accident 3 years ago$1,6801,280 – $1,450

*Indicative rates 2026. Get your exact price in 3 minutes.

FREE COMPARISON

Is your renewal coming soon?

An Assur360 broker compares 9+ insurers and calls you back within the hour.

Compare 9+ insurers

The 7 levers to reduce your renewal premium

🔗

Combining car + home

Automatic 10 to 15% discount with most insurers when you combine the two policies.

💰

Increase your deductible

Going from $250 to $500 or $1,000 deductible reduces your premium by 8 to 15 per cent.

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Anti-theft device or telemetry

Up to 15% off with an approved immobilizer or telemetry box.

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Safer vehicle

Models with automatic braking, blind spot detection and a rearview camera pay less.

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Pay annually

3-5% discount when you pay the premium in a single annual payment.

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Student or Retiree Voucher Discount

Average of 80% or more in school, or retired 55+ years old: up to 10% off.

Can I change insurer during the course of the policy?

⚠️

Yes, but not just any old way

You can cancel your policy at any time, but never cut it until you sign the new one. A break, even for a day, creates a hole in your history and can cause you to lose discounts in the future. Your Assur360 broker synchronizes the two dates for you.

Service throughout Quebec

Our Assur360 brokers process renewals throughout Quebec: Montreal, Quebec City, Laval, Longueuil, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Thetford Mines and Drummondville. Phone, email and in-person service.

Related articles and useful pages

Frequently asked questions — Car insurance renewal

Do I automatically have to accept my car insurance renewal?
No. Your insurer automatically renews your policy, but you don’t have to accept it. You can change insurers at any time, even before the end of the term, without a significant penalty — just a proration of the premium paid.
When should I shop around for my car insurance before renewal?
Ideally 30 to 45 days before the expiry date indicated on your policy. This gives your broker time to compare 9+ insurers and prepare your new policy without interruption.
My insurer increases my premium without an accident — is this normal?
Yes, unfortunately. Each year, premiums rise by an average of 5 to 12% even without an accident, due to inflation, the cost of parts and regional claims. Hence the importance of shopping every 1-2 years.
Will I lose my driving history if I change insurers?
No. Your history is recorded in the Central Automobile Claims File (FCSA) and follows your file, regardless of the insurer. A good file benefits you from all partners.
Do I have to wait until the deadline to change airlines?
No. You can change at any time, but the deadline is a great time as there are no cancellation fees. If you change your policy during the course of the policy, you will receive a prorated refund minus a small administrative fee.
How can I avoid the increase in my renewal bonus?
1) Shop with a broker. 2) Combine car + home. 3) Increase your deductible. 4) Install an anti-theft device. 5) Take advantage of telemetry discounts. Compare 9+ insurers for free.
What documents should I prepare for renewal?
Your current policy, driver’s license, vehicle registration , claims history (your broker can get it), and secondary driver information.
What should I do if my insurer refuses to renew me?
A non-renewal can occur after several claims or for another reason. In this case, an independent broker can find you a company that accepts your profile, even if it is substandard. Contact Assur360 at 1-866-357-4451.
Is multi-product renewal always beneficial?
Generally yes — bundled discounts account for 10-15% of your premium. But sometimes, separating car and home with two different insurers costs less. A broker compares the two scenarios for you.
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Why trust Assur360?

✓AMF certified firm
✓ChAD and CSF members
✓More than 100,000 submissions processed
✓9+ insurers compared in 3 minutes
✓Independent brokers at your service
✓100% Quebec service

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