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Compare car insurance Quebec

Car insurer in Quebec — compare several offers in minutes

Assur360 is an independent comparison tool that forwards your request to AMF-certified partner firms and brokers. You receive several car quotes adapted to your vehicle, your file and your region.

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Free · No commitment · Quick Response

15+
Car insurers compared
3-5
Minutes to submit
24 hrs
Average Broker Reminder
4,7/5
Customer satisfaction

Choosing the right car insurer: what really makes the difference

Finding the right car insurer is not just about the lowest price. You have to balance affordable premiums, adequate coverage and quality of service, especially in the event of a claim. A partner broker helps you compare several insurers simultaneously and choose the coverage that corresponds to your profile (vehicle, driving record, mileage, region).

The 3 main car insurance coverages in Quebec

In Quebec, civil liability is mandatory. Other coverage is optional but strongly recommended depending on the value and use of the vehicle.

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Civil liability (chapter A)

Mandatory in Quebec. Covers damage you cause to others (injuries, property). Minimum $1 million, often $2 million recommended.

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Collision and rollover (chapter B2)

Repairs your vehicle in the event of an at-fault accident or collision with an object. Typical deductible $250 to $1,000.

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All risks (Chapter B1)

Most comprehensive coverage: collision, theft, vandalism, fire, hail, animals. Recommended for recent or financed vehicles.

Get a car insurance quote in 4 steps

1

Your Personal Information

Name, address, date of birth, licence. The postal code determines the fare zone (Montreal, Quebec, regions).

2

The vehicle to be insured

Make, model, year, VIN, annual mileage, use (personal/work). These elements directly influence the premium.

3

Your driving record

Age of licence, claims of the last 6 years, offences, vehicle inspection training (if applicable).

4

You receive several offers

A partner broker calls you back with several comparable quotes. You choose the one that best fits your budget.

Factors that influence the price of your car insurance

Each insurer applies its own fee schedule. This is why the differences between two quotes can be significant — hence the interest in comparing via a broker rather than renewing blindly every year.

Premium
FactorEffect on premium
Age and experience of the driverDrivers under 25 years of age and recent licence = higher premium
RecentClaims and Violations Increase
Vehicle typeExpensive to repair or stolen models = higher premium
Usage and mileageWork/pleasure commute and annual km affect the risk
Geographic areaMontreal and major cities = higher premium than in the regions
Selected deductibleHigher deductible = lower premium
Car + home combinationFrequent discounts with most insurers

The premiums are indicative and determined after individual analysis by the partner broker.

Car insurer by city in Quebec

Our partner firms cover all regions of Quebec. Rates and discounts vary by city — here are the main markets we serve:

We accompany motorists in Montreal, Quebec City, Laval, Longueuil, Sherbrooke, Trois-Rivières, Gatineau, Lévis, Saguenay and Terrebonne, as well as in all other municipalities in Quebec.

💡 Assur360 advice

Shop every year, even if you’re satisfied

Insurers review their fee schedules regularly. Two years later, the most competitive company for your profile may no longer be the same. Comparing through a broker takes only a few minutes and can represent significant annual savings — without changing your coverage.

Why choose Assur360 for your car

An independent comparison tool, backed by AMF-certified partner firms

✓Multiple offers in one step — no need to contact each insurer separately.
✓AMF-certified partner firms and representatives who are members of the Chambre de l’assurance.
✓No fees — the comparison process is completely free for the consumer.
✓ Privacy Bill 25 — your information is protected in accordance with Quebec law.
✓You remain in control of the decision — the quote is non-binding.
✓Support all of Quebec, from Greater Montreal to remote areas.

Frequently asked questions about car insurers

How to choose the best car insurer in Quebec?
Compare at least 3 quotes from different insurers. Look at the price, but also the quality of the claim service, the deductible, the coverage included (replacement vehicle, replacement cost, ARR reimbursement). An independent broker makes this comparison for you.
Can I change my car insurer during the course of my contract?
Yes. You must respect the notice of termination (usually 30 days) provided for in your contract. The insurer refunds the unused premium on a prorated basis. A partner broker can coordinate the changeover to the new insurer without interruption of coverage.
What car protection is mandatory in Quebec?
Only civil liability (chapter A) is mandatory under the Automobile Insurance Act. It covers damage you cause to others. Collision, comprehensive and replacement vehicle coverage are optional.
Does the price vary by city in Quebec?
Yes. Insurers take into account the frequency of claims, vehicle theft and traffic density by postal code. Residents of Montreal generally pay more than in the regions, with an equivalent profile.
How long is a car quote valid?
Most insurers honour a quote for 30 days, as long as the information provided remains accurate (no new claims, no changes to vehicle or primary driver).
Are Assur360’s services really free?
Yes. The quote request is 100% free and without obligation. The partner broker is paid by the insurer only if you choose to take out a policy.
What does the replacement vehicle endorsement (endorsement 20) cover?
Endorsement 20 provides you with a replacement vehicle or transportation allowance while your insurance covers repairs. Modest annual cost, very useful in the event of a claim.
What to do in case of an accident?
Secure the premises, fill out the joint report, take photos, note the name and policy number of the other driver, call the police if necessary, and then contact your insurer or broker as soon as possible. Visit our claims emergency page.

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Multiple quotes in one process. 3 to 5 minutes, no charge.

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