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2026 Quebec Car Insurance Renewal: Compare Before You Sign

Is your Quebec car insurance renewal coming up soon? Don’t sign anything before comparing! At Assur360, a certified AMF broker, our independent brokers compare 9+ insurers to help you save at every renewal. In 2026, premiums have gone up again — a call to us before your deadline could save you $200 to $500 per year without changing your coverage. Request your free quote in 3 minutes.

2026 CAR RENEWAL

Don’t sign before comparing — save an average of $300

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.

🤝

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 premiumAssur360 profile premium earned*
Couple 40-55 years old, 2 vehicles, clean record$1,580$1,180 – $1,380
Driver 30-45 years old, sedan, good record$980$760 – $880
Family with young driver (18-24)$2,980$2,180 – $2,480
Driver 55+, newer vehicle$1,120$820 – $980
Record with 1 accident 3 years ago$1,680$1,280 – $1,450

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

FREE COMPARISON

Is your renewal coming soon?

An Assur360 insurance 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 percent.

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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 have to automatically accept my auto insurance renewal?
No. Your insurer automatically renews your policy, but you are not obligated to accept it. You can change insurers at any time, even before the due date, without significant penalty — just a prorated amount on the premium paid.
When should I shop for my auto insurance before renewal?
Ideally 30 to 45 days before the due date indicated on your policy. This allows your insurance broker time to compare 9+ insurers and prepare your new policy without interruption.
My insurer is increasing my premium without an accident — is this normal?
Yes, unfortunately. Each year, premiums rise on average by 5 to 12% even without an accident, due to inflation, the cost of parts, and regional claims. This is why it’s important to shop 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 record, regardless of the insurer. A good record benefits you with all partners.
Do I have to wait until the due date to change companies?
No. You can change at any time, but the due date is the ideal time because there are no cancellation fees. If you change mid-policy, you will receive a prorated refund minus minimal administrative fees.
How can I avoid a premium increase at renewal?
1) Shop with a broker. 2) Bundle auto + home. 3) Increase your deductible. 4) Install an anti-theft device. 5) Take advantage of telematics discounts. Compare 9+ insurers for free.
What documents should I prepare for renewal?
Your current policy, your driver’s license, the registration certificate for the vehicle(s), the claims history (your broker can obtain it), and the information of any secondary drivers.
What should I do if my insurer refuses to renew me?
A non-renewal can happen after several claims or for another reason. In this case, an independent broker can find you a company that accepts your profile, even sub-standard. Contact Assur360 at 1-866-357-4451.
Is multi-product renewal always advantageous?
Generally yes — bundled discounts represent 10 to 15% of your premium. But sometimes, separating auto and home with two different insurers costs less. A broker compares both scenarios for you.

Why trust Assur360?

✓AMF certified firm
✓ Members of the Insurance Chamber and the Insurance Chamber
✓More than 100,000 submissions processed
✓9+ insurers compared in 3 minutes
✓Independent brokers at your service
✓100% Quebec service

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Your auto renewal — don’t accept without comparing

9+ insurers, 3 minutes, guaranteed savings. Free and no obligation quote.

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