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Lucid Quebec Car Insurance 2026: Air, Gravity, Sapphire

Do you drive a Lucid in Quebec? Whether it’s a Lucid Air (Pure, Touring, Grand Touring or Sapphire) or a Lucid Gravity SUV, Assur360 — AMF-certified firm and member of the Chamber of Insurance — compares more than 9 insurers to find the best price for your vehicle. Lucid is among the most expensive vehicles to insure in Quebec ($2,800 to $5,500/year) due to the high value ($120,000 to $250,000), the scarcity of parts and the lack of certified body shops in Quebec. Our free 3-minute comparison can save over $1,000 per year.

Lucid Air Car — Assur360 Car Insurance

IN BRIEF

Lucid Air Car Insurance (Pure, Touring, Grand Touring, Sapphire)

Lucid Air = premium electric sedan with record range (830 km). High premiums ($1,800-3,500/year) due to value ($90,000-250,000) and aluminum repair costs.

Battery coverage: 8-year / 160,000 km warranty included, but insurance must specifically cover the high-voltage battery (replacement $30,000+). Domestic charging stations included.

LUCID CAR INSURANCE 2026

Compare 9+ insurers for your Lucid in 3 minutes

Lucid Air Pure, Touring, Grand Touring, Sapphire and Lucid Gravity — we find the best price for your luxury EV, no matter your record.

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Why insure your Lucid with Assur360?

Lucid Motors is an American manufacturer of luxury electric sedans and SUVs based in California. The Lucid Air Grand Touring holds the EPA range record (830+ km / 516 mi) and its Sapphire version develops 1,234 horsepower. Very rare in Quebec, Lucid does not yet have a local official dealer and no certified body shop in the province. The result: very high insurance premiums and selective insurers. Assur360 knows the companies that accept and price correctly.

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EPA-record range

830+ km for Lucid Air Grand Touring. Recognized high value, but upwardly adjusted insurance premium. We negotiate the best terms.

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Rare luxury vehicle

Value $120,000 to $250,000. Standard insurers often refuse — Assur360 directs you to companies specializing in high-end vehicles.

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Bodyshops absent in QC

No Lucid certified center in Quebec. Require long-distance towing and replacement vehicle 30+ days in your policy.

Popular Lucid Models to Insure in Quebec

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Lucid Air Pure

Lucid entry-level electric sedan. Premium $2,800 – $4,200/year. Range 660 km, rear-wheel drive.

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Lucid Air Touring

AWD comfort version. Premium $3,000 – $4,500/year. Range 685 km, 620 hp.

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Lucid Air Grand Touring

Record range 830 km. Premium $3,400 – $5,000/year. 819 hp, 4-season luxury.

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Lucid Air Sapphire

Performance version 1,234 hp, 3 engines. Premium $4,500 – $6,500/year. 0-100 in 1.9s, rare $250,000+.

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Lucid Gravity

Electric 3-row SUV (2025+). Estimated premium $3,200 – $4,800/year. Range 720 km, 7 passengers.

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Lucid Air Dream Edition

Very rare 2022 launch edition. Premium $3,800 – $5,500/year. 1,111 hp, collection.

How to get your Lucid auto quote in 3 steps

1

Fill out the online form

Year, model, mileage, postal code, driving record. 3 minutes flat.

2

Our brokers compare 9+ insurers

Belairdirect, Intact, Economical, La Capitale, Promutuel, SSQ, Wawanesa and more.

3

Receive your best offers by email

Talk to a broker, ask your questions, choose the winning bid.

4

Subscription and delivery of the certificate

Electronic signature, immediate online certificate — no travel.

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Require an “out-of-province shipping” clause

No Lucid certified body shops in Quebec. In the event of an accident, your vehicle will likely be shipped to Ontario, California, or Buffalo for repairs. Require in your policy: unlimited long-distance towing, 45-60 day replacement vehicle, return transportation costs. This clause adds $150 to $400/year but avoids thousands of dollars in expenses in the event of a claim.

Lucid Average Insurance Rates in Quebec 2026

Lucid ModelAge 25-45 (good record)Age 20-24Back with dots
2023 Lucid Air Pure $$2,800 – $4,000$3,900 – $5,500$4,400 – $6,200
2024 Lucid Air Touring$3,000 – $4,300$4,200 – $5,900$4,700 – $6,600
2024 Lucid Air Grand Touring$3,400 – $4,800$4,700 – $6,500$5,200 – $7,300
2024 Lucid Air Sapphire$4,500 – $6,200$6,200 – $8,500$6,800 – $9,500
Lucid Gravity 2025$3,200 – $4,600$4,500 – $6,200$5,000 – $7,000
Lucid Air Dream Edition$3,800 – $5,300$5,200 – $7,000$5,900 – $8,000

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

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Rare theft but total impact — protect your Lucid

Lucids are rarely stolen in Quebec (vehicle too rare, resale market non-existent), but in the event of total theft not recovered, the insured value can exceed $200,000. Ask for a purchase value (replacement cost 36 months), a $1,000 theft deductible ≤ a certified GPS tracker, and check your policy’s theft coverage limits (some limit to $150,000 — insufficient for a Sapphire).

How to save on your Lucid insurance

Lucids are $120,000+ luxury vehicles, they exceed all the thresholds of the provincial Roulez Vert program — no provincial rebate on purchase. The federal iZEV credit no longer applies ($55,000 threshold). Rather, the savings come from: electric vehicle rebate with the insurer (5-10%), multi-product (car + luxury home), approved GPS tracker, closed garage parking, annual payment, optimized deductible ($1,000 collision recommended), bundling with other high-end vehicles in your household. A $2-5 million personal umbrella policy is often more advantageous than increasing auto liability alone.

Recommended Coverages for Your Lucid

For a Lucid, we recommend a third party liability of $3 to $5 million (generally high wealth), comprehensive protection (B1), purchase value 36 months or agreed value (for Sapphire and Dream Edition), unlimited long-distance towing, equivalent replacement vehicle or luxury category for 45-60 days, explicit high-voltage battery coverage ($30,000+ to be replaced), home charging station protection, collision deductible $1,000, theft deductible $500 with GPS. Consider a personal umbrella policy for liability over $5 million.

Lucid insurance available anywhere in Quebec

Assur360 insures Lucid owners in Montreal, Quebec City, Laval, Sherbrooke, Gatineau, Trois-Rivières, Saguenay, Thetford Mines, Drummondville, Saint-Jérôme and everywhere else in Quebec. No matter where you’re in, our 9+ partner insurers offer comprehensive coverage for your Lucid.

Related articles

Frequently Asked Questions — Lucid Car Insurance

How much does Lucid Air insurance cost in Quebec in 2026?
Between $2,800 and $5,500 per year for a driver aged 25-45 with a good record, depending on the version. Lucid Air Pure: $2,800 – $4,000/year. Touring: $3,000 – $4,300/year. Grand Touring: $3,400 – $4,800/year. Sapphire: $4,500 – $6,200/year. Young drivers and those with points pay 40% to 80% more. Get your exact price with our instant quote online.
Why is Lucid insurance among the most expensive in Quebec?
Five reasons: 1) high value $120,000 to $250,000; 2) unique parts ordered from California (delivery time 4-12 weeks); 3) no certified body shop in Quebec — shipping out of province is mandatory; 4) high-voltage battery ($25,000 to $40,000 to replace); 5) very recent vehicle, little actuarial data. Many insurers categorically refuse. Assur360 knows those who accept.
Is Lucid eligible for the Roulez Vert program?
No. All Lucid Air and Gravity versions far exceed the $65,000 threshold of the provincial program — no rebate at purchase. The federal iVZE credit also has a cap of $55,000, so it is not applicable. The only tax savings come from accelerated depreciation if used for business (to be verified with your accountant). Details on Natural Resources Canada.
Can I insure a Lucid Sapphire with 1,234 hp with a normal record?
Yes, but with precautions. The Sapphire is classified as a high-performance vehicle by all insurers (0-100 acceleration in 1.9 s, extreme power). Typical premium $4,500 to $6,500/year for a good record, potentially reaching $9,500 with points. Some insurers require advanced driving courses or refuse coverage for those under 30. Assur360 finds insurers who accept this profile.
What if there is no Lucid body shop in Quebec in case of an accident?
Your vehicle will be towed to the nearest certified center: Toronto, Buffalo (NY), Boston, or California. Your policy must cover: unlimited long-distance towing, luxury replacement vehicle for a minimum of 45-60 days, return transport costs, storage fees. Without these clauses, costs can reach $10,000 to $25,000 at your expense. Assur360 checks each policy.
Can I insure my Lucid if I have a bad driving record?
Very difficult but possible. The substandard insurers that accept Lucids are rare — the combination of “extreme luxury + difficult record” often exceeds $6,000/year. Assur360 explores all options, including high-end specialized insurers (Chubb, PURE, Ironshore Canada depending on eligibility).
Does the Lucid warranty cover the battery in case of an accident?
No. The Lucid manufacturer warranty (4 years / 80,000 km vehicle, 8 years / 160,000 km battery) only covers manufacturing defects. Accidental damage to the battery (impact, flooding, fire) must be covered by your comprehensive auto insurance. Explicitly check the high-voltage battery clause — some policies exclude it or cap it at $25,000.
What minimum protections do you recommend for a Lucid?
Liability $3-5M (umbrella policy recommended), comprehensive (B1), agreed value for Sapphire and Dream Edition, unlimited long-distance towing, luxury replacement vehicle for 60 days, explicit high-voltage battery coverage, residential charging station protection (Lucid Home Charging), $1,000 collision deductible, $500 theft deductible with approved GPS. For high net worth, add a personal umbrella policy at $5M+.
How long does it take to get a quote for a Lucid at Assur360?
Between 3 minutes (online form) and 1-3 days (complete response from insurers). Lucids require more in-depth analysis — photos of the vehicle, VIN, history, proof of residence and assets for the Sapphire/Dream. Call directly at 1-866-357-4451 to expedite the process with a senior broker.
Is the Lucid Gravity interesting to insure compared to a Rivian R1S?
At comparable performance, Gravity and R1S fall within the same range ($3,200 to $4,800/year). The Gravity has the advantage of superior range (720 km vs 660 km) and a more understated design, potentially less targeted by theft. The R1S has the advantage of off-road capabilities and a more established service network in Canada. Assur360 compares both if you’re unsure. See also Rivian insurance.

Why trust Assur360?

✓AMF certified firm
✓ Member of the Insurance Chamber
✓100,000+ submissions processed
✓9+ insurers compared
✓Independent broker
✓100% Quebec service

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