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Independent comparator · 2026

Vehicle Insurance in Quebec

Compare car, SUV, motorcycle, RV, snowmobile, quad and boat insurance premiums in 3 minutes via AMF-certified partner firms and brokers. Free and non-binding service.

Free 3-minute quote→
Modern Quebec residence at the end of the fall day with parked family vehicles — white SUV, grey sedan, red motorcycle and camping trailer — Assur360 vehicle insurance comparator
15+
Types of vehicles
9+
Canadian insurers
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To Compare
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All types of vehicles covered by our partner firms

Whether you drive on a daily basis or only drive in the summer, one insured vehicle = one protected vehicle. Our AMF-certified partner firms cover all Quebec categories: on-road, seasonal recreational and light commercial vehicles.

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Road vehicles

Compact car, sedan, SUV, van, electric car, antique vehicle or paid use (Uber/taxi).

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Two-wheelers and off-road

Motorcycle, scooter, snowmobile, ATV/quad, side-by-side (SSV). Winter storage endorsement available.

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Recreational and nautical

Motorized RV (class B/C), towed trailer, tent-trailer, trailer, motorboat or pontoon, jet-ski.

Indicative monthly premium prices by vehicle type in Quebec (2026)

These premiums are indicative and vary according to your age, experience, driving record, region, deductible and coverage chosen. For a price specific to your profile, get a quote from the brokers of our partner firms.

$
Vehicle Type (QC)Primary UseAvg. premium. RC onlyAvg. premium All risks*Quick Notes
Compact car (gasoline)Personal / commuting45–70 $105–165Affordableparts, little stolen depending on model
Midsize SedanPersonal/Family50–80 $115–180 $ADAS = recalibration ↑ claim cost
Compact SUVPersonal/Family$55–90120–195SelectHigh Flight Rating Models
Pickup truck Personal/leisure60–100 $135–220Frequentflights + coins $$ = bonus ↑
Electric /Hybrid Personal / Shuttles55–95 $130–210Battery/ADAS: Repair Time & Cost ↑
Antique / Leisure Collection(limited km)25–45 $45–85Oftenagreed value, not daily use
SeasonalMotorcycle25–55 $55–$120HighImpact Displacement/Power
Urban Scooter / Moped20–40 $40–75RCsometimes sufficient depending on the value
Seasonal Snowmobile18–35 $40–85 $Trails/QFMC, accessories to be declared
ATV / Side-by-sideLeisure / private land15–30 $35–75Roaduse often excluded
Towed RV (caravan)Camping—$25–60RCvia self-propelled car; contents separate
Motorized RV (Class B/C)Travel—$85–220High size/value; critical storage
Utility TrailerPersonal Transport—$10–25RCvia tractor; optional own damage
Self-Employed (Uber/Taxi)Pro80–130 $160–260Endorsement/Special Product Required
Commercial Light Truck (Craftsman)Pro / Service70–120 $150–260Tools/Loading Often via Corporate Police

*Estimated monthly premium based on standard profiles. Actual premium established after full analysis by the partner broker.

How our 3-step comparison tool works

1
You fill out the form (2 min)
Vehicle type, year, primary use, driving record. No obligation.
2
A partner broker calls you back
It simultaneously compares 9+ Canadian insurers (Intact, Beneva, Promutuel, Aviva, Definity, Echelon…) and negotiates the best rate for your profile.
3
You choose the best offer
No commitment, no fees. If you accept, the partner firm will issue the policy and support you with any future claims.

5 Strategies to Save on Your Vehicle Insurance Premium

  • ✓Compare annually — a simple call to a partner broker at maturity can generate 15-25% savings. Loyalty doesn’t always mean better price.
  • ✓Bundle your policies — auto + home, or multi-vehicle with the same insurer: typical 10-20% discount on each.
  • ✓Increase the deductible — from $500 to $1,000 reduces the premium by 8-15%. Only if you have that amount available.
  • ✓Report the actual mileage — less than 15,000 km/year = lower rate with many insurers. Strictly personal use (not work) further reduces the premium.
  • ✓Opt for telematics — programs like Intact myDriving or Beneva OnTrack can reduce the premium by up to 25% for safe drivers. Check the data policy.

Why use the Assur360 comparator

Assur360 is an independent comparison tool — not an insurer, not a firm. Our role is to put you in touch with a network of AMF (Chambre de l’assurance) certified partner firms and brokers who simultaneously compare 9+ Canadian insurers to find the coverage at the best price for you.

Quick and objective comparison

One form, multiple quotes. You can see at a glance the differences between insurers without spending 3 hours on the phone.

Certified Broker Partners

The brokers of our partner firms are all certified by the Chambre de l’assurance and governed by the AMF (LDPSF).

100% free, no obligation

You don’t pay anything to compare. Brokers are compensated by insurers via commission — not by you.

Support in the event of a claim

In the event of an accident, your partner broker will accompany you from the initial filing of the claim to resolution.

Frequently Asked Questions — Vehicle Insurance in Quebec

Quelle est la différence entre un courtier et un assureur direct?
Un courtier d’assurance compare plusieurs assureurs et négocie le tarif adapté à votre profil. Un assureur direct ne vend qu’un seul produit — celui de sa compagnie. Les courtiers des cabinets partenaires d’Assur360 comparent 9+ assureurs canadiens simultanément.
Combien coûte l’assurance véhicule au Québec en 2026?
Les primes varient de 20 $/mois (VTT saisonnier) à plus de 220 $/mois (VR motorisé). Une auto compacte tourne autour de 105-165 $/mois en tous risques, un VUS compact 120-195 $/mois. Ces montants sont indicatifs — la prime réelle dépend de votre âge, dossier, secteur et véhicule.
Puis-je regrouper plusieurs véhicules chez le même assureur?
Oui. Regrouper auto + moto + VR (ou auto + habitation) chez le même assureur génère typiquement 10-20 % de rabais. Nos cabinets partenaires trouvent la combinaison optimale pour votre profil.
La télématique (boîtier ou app) vaut-elle la peine?
Si vous conduisez prudemment (freinages doux, vitesse stable, heures hors pointe), la télématique peut réduire votre prime jusqu’à 25 % à l’échéance. Vérifiez la politique de traitement des données avant d’accepter.
Le comparateur Assur360 est-il payant?
Non. Assur360 est un comparateur indépendant 100 % gratuit et sans engagement. Les courtiers des cabinets partenaires certifiés AMF sont rémunérés par les assureurs via commission. Vous ne payez rien pour comparer.
Puis-je économiser sur ma prime d’assurance véhicule?
Oui. Les 5 leviers principaux : (1) comparer chaque année via un comparateur indépendant, (2) regrouper auto+habitation, (3) augmenter la franchise à 1 000 $, (4) déclarer un kilométrage réel, (5) installer antivol/télématique.
Un véhicule électrique/hybride coûte-t-il plus cher à assurer?
Souvent oui — les batteries et systèmes ADAS augmentent les coûts de réparation. Précisez la version exacte (batterie, finition) et vérifiez la valeur à neuf. Assurez aussi la borne de recharge et les câbles.
Qui traite le sinistre si j’ai un accident?
Le courtier de votre cabinet partenaire (celui qui a émis votre police) vous accompagne du dépôt initial à la résolution. Assur360, comme comparateur indépendant, vous met en relation avec ce cabinet — il n’est pas lui-même l’assureur ni le gestionnaire de sinistres.
Expertise · Authority · Trust

A comparator operated by a certified firm

Assur360 is the independent comparator of Assur360 tek inc., registered with the AMF and operating under the Distribution Act. The brokers of our partner firms are all certified by the Chambre de l’assurance.

✓ AMF / LDPSF
✓ Insurance Chamber
✓ 9+ Canadian insurers
✓ 15+ types of vehicles

Protect your vehicle at the best price

Compare 9+ insurers in 3 minutes — free, no-obligation service.

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