{"id":15612,"date":"2026-03-18T11:49:57","date_gmt":"2026-03-18T15:49:57","guid":{"rendered":"https:\/\/www.assur360.ca\/car-insurance-3-minute-quote\/"},"modified":"2026-04-23T18:04:29","modified_gmt":"2026-04-23T22:04:29","slug":"car-insurance-3-minute-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/","title":{"rendered":"Auto and auto insurance in Quebec: compare 9 insurers (2026)"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/assurance-auto\/#article\", \"headline\": \"Assurance auto au Qu\u00e9bec : comparez 9 assureurs et \u00e9conomisez en 2026\", \"url\": \"https:\/\/www.assur360.ca\/assurance-auto\/\", \"datePublished\": \"2024-01-15T10:00:00\", \"dateModified\": \"2026-04-10T12:00:00\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/admin\/\", \"description\": \"Jean Boissonneault, courtier d'assurance certifi\u00e9 AMF (n\u00ba 2000037336), propri\u00e9taire d'Assur360.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Permis de cabinet en assurance de dommages (n\u00ba 2000037336)\", \"recognizedBy\": {\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers\", \"url\": \"https:\/\/lautorite.qc.ca\"}}}, \"publisher\": {\"@type\": \"Organization\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": {\"@type\": \"ImageObject\", \"url\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\"}}, \"inLanguage\": \"fr-CA\", \"description\": \"Guide complet de l'assurance automobile au Qu\u00e9bec en 2026. Prix par profil, protections expliqu\u00e9es, top 9 assureurs, strat\u00e9gies d'\u00e9conomie et FAQ.\"}\n<\/script>\n\n<style>#ez-toc-container{display:none!important}<\/style>\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 30px;border-radius:12px;margin-bottom:40px;text-align:center;\">\n  <p style=\"color:#10c4c7;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin-bottom:10px;font-weight:600;\">Free comparator 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:36px;line-height:1.2;margin:0 0 20px 0;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Car-Insurance-in-Quebec\"><\/span>Car Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#b0c4d8;font-size:18px;max-width:700px;margin:0 auto 12px auto;line-height:1.6;\">Compare the prices of <strong style=\"color:#ffffff;\">9 Quebec AMF-certified insurers<\/strong> in just 3 minutes. Ideal coverage at the <strong style=\"color:#10c4c7;\">best price<\/strong>. <\/p>\n  <p style=\"color:#64748b;font-size:14px;margin:0 0 28px 0;\">Average savings: $400 per year<\/p>\n  <div style=\"display:flex;gap:15px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:16px 40px;border-radius:30px;text-decoration:none;font-weight:700;font-size:17px;\">Compare prices now<\/a>\n    <a href=\"tel:18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:16px 32px;border-radius:30px;text-decoration:none;font-weight:600;font-size:16px;border:2px solid rgba(255,255,255,0.3);\">1-866-357-4451<\/a>\n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-bottom:40px;text-align:center;\">\n  <div style=\"background:#f8fafc;padding:24px 16px;border-radius:8px;\">\n    <div style=\"font-size:28px;font-weight:700;color:#10c4c7;\">9<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:4px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px 16px;border-radius:8px;\">\n    <div style=\"font-size:28px;font-weight:700;color:#10c4c7;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:4px;\">Quick Form<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px 16px;border-radius:8px;\">\n    <div style=\"font-size:28px;font-weight:700;color:#10c4c7;\">$400<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:4px;\">Average Savings\/Year<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px 16px;border-radius:8px;\">\n    <div style=\"font-size:28px;font-weight:700;color:#10c4c7;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:4px;\">Certified brokers<\/div>\n  <\/div>\n<\/div>\n\n<div style=\"max-width:1200px;margin:40px auto;padding:0;\">\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:32px;align-items:center;\">\n    <figure style=\"margin:0;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-auto-route-quebec.jpg\" style=\"width:100%;height:auto;border-radius:16px;\" alt=\"Car on a forest road in Quebec \u2014 Assur360 car insurance\"\/><\/figure>\n    <div>\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n      <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"The-essentials-for-choosing-the-right-car-insurance\"><\/span>The essentials for choosing the right car insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n      <p style=\"color:#334155;font-size:16px;line-height:1.7;margin:0 0 12px;\">In Quebec, the <strong>Soci\u00e9t\u00e9 de l&#8217;assurance automobile du Qu\u00e9bec (SAAQ)<\/strong> covers bodily injury, but it&#8217;s your private car insurance that covers <strong>vehicle damage, civil liability<\/strong> ($1 to $5 million) and theft. Comparing 9 insurers saves you an average of <strong>$400\/year<\/strong> with identical coverage. <\/p>\n      <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Important:<\/strong> Each Quebec insurer uses its own pricing algorithm. The same profile can get a difference of <strong>30 to 60%<\/strong> between the highest and lowest premium. That&#8217;s exactly what an independent broker does: shop around for you.  <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-Automobile-Insurance-System-in-Quebec-What-You-Need-to-Know\"><\/span>The Automobile Insurance System in Quebec: What You Need to Know<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Quebec has a <strong>unique automobile insurance<\/strong> system in Canada. Understanding how it works helps you choose the right coverage and avoid paying for unnecessary coverage. <\/p>\n\n<div class=\"a360-sim-link\" style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:14px;padding:28px;margin:32px 0;display:flex;gap:20px;align-items:center;flex-wrap:wrap;\">\n  <div style=\"font-size:48px;line-height:1;flex-shrink:0;\">\ud83d\udee1<\/div>\n  <div style=\"flex:1;min-width:240px;\">\n    <div style=\"color:#10c4c7;font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:700;margin-bottom:6px;\">FREE TOOL \u00b7 SIMULATOR<\/div>\n    <h3 style=\"color:#ffffff;font-size:20px;margin:0 0 6px;font-weight:800;\">Q.P.F. Tree No. 5 \u2014 Choose My Replacement Protection<\/h3>\n    <p style=\"color:#94a3b8;font-size:14px;line-height:1.6;margin:0;\">6 questions to find out if you need F.P.Q. 5a (new), 5b (collector) or 5c (used) \u2014 vs. dealer warranty.<\/p>\n  <\/div>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/q-p-f-decision-tree-no-5-which-replacement-protection-to-choose-in-2026\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:14px;white-space:nowrap;\">Take the \u2192 test<\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\">The SAAQ&#8217;s public plan: bodily injury<\/h3>\n\n<p>The <a href=\"https:\/\/saaq.gouv.qc.ca\/assurance-automobile\/\" target=\"_blank\" rel=\"noopener noreferrer\">Soci\u00e9t\u00e9 de l&#8217;assurance automobile du Qu\u00e9bec (SAAQ)<\/a> administers a no-fault public plan. This means that <strong>all bodily injuries<\/strong> sustained in a road accident are covered automatically, regardless of whether you are at fault for the accident or not. This plan is funded by your registration fees and driver&#8217;s licence.  <\/p>\n\n<p>SAAQ coverage includes:<\/p>\n\n<ul class=\"wp-block-list\">\n\n<li>Income replacement indemnity (90% of net income)<\/li>\n\n\n\n<li>Reimbursement of medical and rehabilitation expenses<\/li>\n\n\n\n<li>Permanent sequelae compensation<\/li>\n\n\n\n<li>Death Benefit for Relatives<\/li>\n\n<\/ul>\n\n<h3 class=\"wp-block-heading\">Private insurance: property damage<\/h3>\n\n<p>The car insurance you buy from a private insurer covers everything that the SAAQ doesn&#8217;t cover: <strong>property damage<\/strong>. It&#8217;s this insurance that you compare and shop around to get the best price. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Car-insurance-coverage-explained-simply\"><\/span>Car insurance coverage explained simply<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Your car insurance policy in Quebec is made up of chapters. Here&#8217;s what each one covers and when it&#8217;s recommended. <\/p>\n\n<h3 class=\"wp-block-heading\">Chapter A \u2014 Civil liability (mandatory)<\/h3>\n\n<p>This is the <strong>only mandatory coverage<\/strong> in Quebec. It pays for the material damage you cause to others in an accident. The legal minimum is $50,000, but this amount is insufficient for the majority of claims. Experts and the <a href=\"https:\/\/www.chad.ca\/fr\/consommateurs\/foire-aux-questions\" target=\"_blank\" rel=\"noopener noreferrer\">Chambre de l&#8217;assurance de dommages (CHAD)<\/a> recommend a minimum of <strong>$1,000,000<\/strong>, or even $2,000,000 if you are traveling to the United States.   <\/p>\n\n<h3 class=\"wp-block-heading\">Chapter B1 \u2014 Collision Protection<\/h3>\n\n<p>Covers damage to <strong>your own vehicle<\/strong> in the event of a collision with another vehicle, object, or in the event of a rollover. Recommended for vehicles less than 10 years old or financed by a car loan. <\/p>\n\n<h3 class=\"wp-block-heading\">Chapter B2 \u2014 All-risk coverage (except collision)<\/h3>\n\n<p>Covers damage caused by other than a collision: theft, vandalism, fire, hail, flooding, broken windshield, collision with an animal. Often paired with Chapter B1 for <strong>complete coverage<\/strong>. <\/p>\n\n<h3 class=\"wp-block-heading\">Chapter B3 \u2014 Specific risks<\/h3>\n\n<p>Lighter version of Chapter B2 which covers only the risks named in the policy (fire, theft, hail). Cheaper, but less protection. <\/p>\n\n<h3 class=\"wp-block-heading\">Chapter B4 \u2014 Specific non-collision and rollover hazards<\/h3>\n\n<p>Covers specific risks without including collisions. Economical option for older vehicles with a low market value. <\/p>\n\n<h3 class=\"wp-block-heading\">Comparative table of coverage<\/h3>\n\n<table class=\"assur360-table\" style=\"width:100%;border-collapse:collapse;font-size:14px;margin:24px 0;\">\n<thead>\n<tr style=\"background:#0d1f2d;color:white;\">\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Protection<\/th>\n<th style=\"padding:12px;text-align:center;border:1px solid #1e3a4f;\">Mandatory?<\/th>\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">What it covers<\/th>\n<th style=\"padding:12px;text-align:center;border:1px solid #1e3a4f;\">Recommended for<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">Chapter A<\/td>\n<td style=\"padding:10px;text-align:center;color:#10b981;font-weight:bold;\">\n Yes<\/td><td style=\"padding:10px;\">Property damage caused to others<\/td>\n<td style=\"padding:10px;text-align:center;\">All drivers<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n<td style=\"padding:10px;font-weight:600;\">Chapter B1<\/td>\n<td style=\"padding:10px;text-align:center;color:#ef4444;\">No<\/td>\n<td style=\"padding:10px;\">Damage to your vehicle (collision)<\/td>\n<td style=\"padding:10px;text-align:center;\">Vehicles < 10 years<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">Chapter B2<\/td>\n<td style=\"padding:10px;text-align:center;color:#ef4444;\">No<\/td>\n<td style=\"padding:10px;\">Theft, vandalism, hail, fire, animals<\/td>\n<td style=\"padding:10px;text-align:center;\">All (highly recommended)<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n<td style=\"padding:10px;font-weight:600;\">Chapter B3\/B4<\/td>\n<td style=\"padding:10px;text-align:center;color:#ef4444;\">No<\/td>\n<td style=\"padding:10px;\">Specific Named Risks Only<\/td>\n<td style=\"padding:10px;text-align:center;\">Older vehicles<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Popular-Endorsements-Additional-Coverage-to-Consider\"><\/span>Popular Endorsements: Additional Coverage to Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Endorsements are options that are added to your base policy to expand your coverage. Here are the most important ones. <\/p>\n\n<h3 class=\"wp-block-heading\">FAQ 43 \u2014 Replacement Cost<\/h3>\n\n<p>In the event of a total loss, you receive the amount needed to purchase an <strong>equivalent new vehicle<\/strong> rather than the depreciated value. Essential for new or recent vehicles (0-5 years). <\/p>\n\n<h3 class=\"wp-block-heading\">FAQ 20 \u2014 Travel Expenses (Replacement Vehicle)<\/h3>\n\n<p>Covers the cost of renting a replacement vehicle while yours is being repaired. You choose the daily amount ($30, $40, $50) and the maximum duration. <\/p>\n\n<h3 class=\"wp-block-heading\">FAQ 27 \u2014 Third Party Liability for Damage to Non-Owned Vehicles<\/h3>\n\n<p>Covers damage to someone else&#8217;s vehicle you drive (rental, loan). Essential if you rent cars occasionally. <\/p>\n\n<h3 class=\"wp-block-heading\">FAQ 34 \u2014 Changes to the Deductible<\/h3>\n\n<p>Reduces your deductible to $0 in the event of a non-at-fault accident with an identified driver. Avoid paying the deductible when the accident is not your fault. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-influences-the-price-of-your-car-insurance\"><\/span>What influences the price of your car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Understanding car insurance pricing factors helps you get a better price. Here are the elements that Quebec insurers analyze. <\/p>\n\n<h3 class=\"wp-block-heading\">Your driver profile<\/h3>\n\n<ul class=\"wp-block-list\">\n\n<li><strong>Age and Experience:<\/strong> Drivers between the ages of 25 and 65 with more than 5 years of experience pay less.<\/li>\n\n\n\n<li><strong>Driving record:<\/strong> Infractions and demerit points increase your premium for 3 to 6 years.<\/li>\n\n\n\n<li><strong>Claims History:<\/strong> Each claim can increase your premium by 10-40% for 6 years.<\/li>\n\n\n\n<li><strong>Credit Score:<\/strong> Some insurers use your credit score as a risk factor.<\/li>\n\n<\/ul>\n\n<h3 class=\"wp-block-heading\">Your vehicle<\/h3>\n\n<ul class=\"wp-block-list\">\n\n<li><strong>Year, make and model:<\/strong> Luxury or sports vehicles cost more to insure.<\/li>\n\n\n\n<li><strong>Value of the vehicle:<\/strong> The more expensive the vehicle, the higher the premium.<\/li>\n\n\n\n<li><strong>Flight Stats:<\/strong> Frequently stolen models (Honda Civic, Hyundai) have higher premiums.<\/li>\n\n\n\n<li><strong>Safety equipment:<\/strong> Emergency braking systems, cameras and locks can reduce your premium.<\/li>\n\n<\/ul>\n\n<h3 class=\"wp-block-heading\">Your place of residence<\/h3>\n\n<ul class=\"wp-block-list\">\n\n<li><strong>Region:<\/strong> Montreal and Laval are the most expensive regions; Rural areas are cheaper.<\/li>\n\n\n\n<li><strong>Parking:<\/strong> A closed garage reduces the risk of theft and lowers your premium.<\/li>\n\n\n\n<li><strong>Distance from home to work:<\/strong> The less you drive, the less you pay (low mileage discount).<\/li>\n\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-car-insurance-cost-in-Quebec-in-2026\"><\/span>How much does car insurance cost in Quebec in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The price of <strong>car insurance<\/strong> in Quebec varies considerably depending on your profile. Here are the average premiums observed in 2026 for an average-value vehicle with full coverage (chapters A + B1 + B2). <\/p>\n\n<table class=\"assur360-table\" style=\"width:100%;border-collapse:collapse;font-size:14px;margin:24px 0;\">\n<thead>\n<tr style=\"background:#0d1f2d;color:white;\">\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Driver<\/th>\n profile<th style=\"padding:12px;text-align:center;border:1px solid #1e3a4f;\">Annual<\/th>\n premium<th style=\"padding:12px;text-align:center;border:1px solid #1e3a4f;\">Monthly<\/th>\n premium<th style=\"padding:12px;text-align:center;border:1px solid #1e3a4f;\">Variation<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">Young driver (18-24 years old)<\/td>\n<td style=\"padding:10px;text-align:center;\">$1,500 \u2014 $<\/td>\n2,200<td style=\"padding:10px;text-align:center;\">$125 \u2014 $<\/td>\n183<td style=\"padding:10px;text-align:center;color:#ef4444;font-weight:bold;\">+ 60 to 100%<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n<td style=\"padding:10px;font-weight:600;\">Driver 25-39 years old<\/td>\n<td style=\"padding:10px;text-align:center;\">$1,000 \u2014 $<\/td>\n1,500<td style=\"padding:10px;text-align:center;\">$83 \u2014 $<\/td>\n125<td style=\"padding:10px;text-align:center;color:#f59e0b;font-weight:bold;\">+ 10 to 30%<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">Driver 40-59 years old (without claim)<\/td>\n<td style=\"padding:10px;text-align:center;\">$750 \u2014 $<\/td>\n1,200<td style=\"padding:10px;text-align:center;\">$63 \u2014 $<\/td>\n100<td style=\"padding:10px;text-align:center;color:#10b981;font-weight:bold;\">Reference<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n<td style=\"padding:10px;font-weight:600;\">Driver 60+ years old<\/td>\n<td style=\"padding:10px;text-align:center;\">$850 \u2014 $<\/td>\n1,300<td style=\"padding:10px;text-align:center;\">$71 \u2014 $<\/td>\n108<td style=\"padding:10px;text-align:center;color:#f59e0b;font-weight:bold;\">+ 5 to 15%<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">Case with recent<\/td>\n claim<td style=\"padding:10px;text-align:center;\">$1,300 \u2014 $<\/td>\n2,000<td style=\"padding:10px;text-align:center;\">$108 \u2014 $<\/td>\n167<td style=\"padding:10px;text-align:center;color:#ef4444;font-weight:bold;\">+ 40 to 80%<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n<td style=\"padding:10px;font-weight:600;\">New Resident in Quebec<\/td>\n<td style=\"padding:10px;text-align:center;\">$1,000 \u2014 $<\/td>\n1,600<td style=\"padding:10px;text-align:center;\">$83 \u2014 $<\/td>\n133<td style=\"padding:10px;text-align:center;color:#f59e0b;font-weight:bold;\">Variable<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">Electric \/ hybrid<\/td>\n vehicle<td style=\"padding:10px;text-align:center;\">$1,100 \u2014 $<\/td>\n1,700<td style=\"padding:10px;text-align:center;\">$92 \u2014 $<\/td>\n142<td style=\"padding:10px;text-align:center;color:#ef4444;font-weight:bold;\">+ 15 to 30%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p class=\"has-text-color\" style=\"color:#64748b;font-size:13px\">Indicative prices for Quebec in 2026, mid-value vehicle, full coverage. Your actual premium depends on your record, your vehicle and where you live.   <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\">Get your exact price here.<\/a><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7-Strategies-to-Reduce-Your-Car-Insurance-Premium\"><\/span>7 Strategies to Reduce Your Car Insurance Premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ol class=\"wp-block-list\">\n\n<li><strong>Compare at least 3 insurers:<\/strong> Prices can vary from 30% to 50% from one insurer to another for the same profile. Use our <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-2\/\">free comparison tool<\/a> to see the difference. <\/li>\n\n\n\n<li><strong>Bundle your insurance:<\/strong> Combine <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">your car and home<\/a> with the same insurer for a 5 to 15% discount.<\/li>\n\n\n\n<li><strong>Increase your deductible:<\/strong> Going from $250 to $500 or $1,000 can reduce your premium by 15-25%.<\/li>\n\n\n\n<li><strong>Maintain a good record:<\/strong> No claims for 6 years qualifies you for the best rates.<\/li>\n\n\n\n<li><strong>Install an anti-theft device:<\/strong> A TAG system or certified immobilizer can save you money.<\/li>\n\n\n\n<li><strong>Pay annually:<\/strong> Paying in one installment avoids monthly financing costs.<\/li>\n\n\n\n<li><strong>Claim all discounts:<\/strong> Low mileage, early winter tires, retirees, veterans \u2014 every discount counts.<\/li>\n\n<\/ol>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-to-do-in-the-event-of-a-car-accident-in-Quebec\"><\/span>What to do in the event of a car accident in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>An accident is stressful. Follow these steps to protect your rights and make your claim easier. <\/p>\n\n<ol class=\"wp-block-list\">\n\n<li><strong>Ensure security:<\/strong> Turn on your hazard lights, check for injuries, and move vehicles if possible.<\/li>\n\n\n\n<li><strong>Call 911:<\/strong> Mandatory if someone is injured, if the damage exceeds $2,000 or if a hit-and-run is involved.<\/li>\n\n\n\n<li><strong>Fill in the joint report:<\/strong> Exchange your information (name, insurer, policy number) with the other driver and fill out the joint report form.<\/li>\n\n\n\n<li><strong>Document the scene:<\/strong> Take photos of damage, vehicle position, signage, and road conditions.<\/li>\n\n\n\n<li><strong>Contact your insurer:<\/strong> Notify your insurer within <strong>24 hours<\/strong>. The faster you act, the smoother the process. <\/li>\n\n\n\n<li><strong>For injuries:<\/strong> File a claim with the <a href=\"https:\/\/saaq.gouv.qc.ca\/victimes-accidents-route\/\" target=\"_blank\" rel=\"noopener noreferrer\">SAAQ<\/a> for bodily injury benefits.<\/li>\n\n<\/ol>\n\n<p>Always keep a <strong>blank joint report<\/strong> in your glove compartment. Your insurer can provide you with one free of charge. <\/p>\n\n<div class=\"wp-block-group has-border-color is-layout-constrained wp-container-core-group-is-layout-1a1c0e64 wp-block-group-is-layout-constrained\" style=\"border-color:#10c4c7;border-width:2px;border-radius:16px;background-color:#f0fdfa;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px\">\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#0d1f2d;font-size:22px;font-style:normal;font-weight:700\">Paying too much? Check in 3 minutes. <\/p>\n\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#334155\">Compare prices from 9 Quebec insurers certified by AMF. Free, no obligation. <\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button has-custom-font-size\" style=\"font-size:16px;font-style:normal;font-weight:700\"><a class=\"wp-block-button__link has-white-color has-text-color wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"border-radius:30px;background-color:#10c4c7;padding-top:14px;padding-right:40px;padding-bottom:14px;padding-left:40px\">Get my free quote<\/a><\/div>\n\n<\/div>\n\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Car-insurance-for-special-profiles\"><\/span>Car insurance for special profiles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h3 class=\"wp-block-heading\">Young drivers (16-24 years old)<\/h3>\n\n<p>Young drivers pay higher premiums due to their lack of experience. Strategies to save money: being a secondary driver on a parent&#8217;s policy, taking a recognized driving course, choosing a low-horsepower vehicle, and maintaining an impeccable record. Adding to the parental contract can reduce the premium by 40 to 60%.  <\/p>\n\n<h3 class=\"wp-block-heading\">Drivers with a difficult history<\/h3>\n\n<p>A busy driving record (infractions, accidents, licence suspension) does not prevent you from obtaining insurance. Specialist insurers such as Pafco, Echelon and L&#8217;Unique offer coverage for high-risk drivers. <a href=\"https:\/\/www.assur360.ca\/en\/insurance-with-a-criminal-record\/\">Learn more about insurance with a difficult file<\/a>. <\/p>\n\n<h3 class=\"wp-block-heading\">Electric and hybrid vehicles<\/h3>\n\n<p>Electric vehicles typically cost more to insure due to the high cost of batteries and specialized repairs. However, some insurers offer <strong>ecological discounts<\/strong> to encourage the transition. Mention your electric vehicle when quoting to get the best rates.  <\/p>\n\n<h3 class=\"wp-block-heading\">Collector&#8217;s and antique vehicles<\/h3>\n\n<p>Vehicles 25 years old and older can benefit from <a href=\"\/assurance-auto-antique\/\">cheap antique vehicle insurance<\/a> , based on the agreed value rather than the market value. Conditions apply: limited mileage, closed garage and recreational use. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Auto-Insurance-by-Region-in-Quebec\"><\/span>Auto Insurance by Region in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The cost of your <strong>car insurance<\/strong> varies depending on your city of residence. Urban areas such as Montreal and Laval have higher premiums due to traffic volume and loss rates. Here are our guides by city:  <\/p>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-c5bd03e2 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<ul class=\"wp-block-list\">\n\n<li><a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/car-insurance-in-gatineau-2\/\"><strong>Car Insurance in Gatineau<\/strong><\/a> \u2014 Cross-border Advantage vs. Ottawa, Premiums by Neighbourhood<\/li>\n\n\n<li><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-trois-rivieres\/\"><strong>Car Insurance in Trois-Rivi\u00e8res<\/strong><\/a> \u2014 Mauricie Guide<\/li>\n\n\n<li><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-longueuil\/\"><strong>Car Insurance in Longueuil<\/strong><\/a> \u2014 Montreal South Shore Guide<\/li>\n\n<\/ul>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<ul class=\"wp-block-list\">\n\n<li><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/young-driver-car-insurance\/\"><strong>Young Driver<\/strong><\/a> \u2014 Strategies to Pay Less at 16-24<\/li>\n\n\n<li><a href=\"https:\/\/www.assur360.ca\/en\/insurance-with-a-criminal-record\/\"><strong>Criminal Record<\/strong><\/a> \u2014 Solutions for High-Risk Drivers<\/li>\n\n\n<li><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-rate-comparison-by-car-brand\/\"><strong>Rates by brand<\/strong><\/a> \u2014 Honda, Toyota, Hyundai, BMW and more<\/li>\n\n<\/ul>\n\n<\/div>\n\n<\/div>\n\n<p>For residents of <strong>Montreal<\/strong>, <strong>Quebec City<\/strong> and <strong>Sherbrooke<\/strong>, the same principles apply: compare at least 3 insurers to find the best price according to your profile and your neighborhood.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-Best-Auto-Insurers-in-Quebec-in-2026\"><\/span>The Best Auto Insurers in Quebec in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The <strong>automobile insurance market in Quebec<\/strong> has more than 20 active insurers. Here are the top 9, compared according to their strengths and positioning. A broker like Assur360 compares these insurers for you in minutes.  <\/p>\n\n<table class=\"assur360-table\" style=\"width:100%;border-collapse:collapse;font-size:14px;margin:24px 0;\">\n<thead>\n<tr style=\"background:#0d1f2d;color:white;\">\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Insurer<\/th>\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Type<\/th>\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Highlights<\/th>\n<th style=\"padding:12px;text-align:center;border:1px solid #1e3a4f;\">Via broker<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">Intact Insurance<\/td>\n<td style=\"padding:10px;\">National<\/td>\n insurer<td style=\"padding:10px;\">Canada&#8217;s largest insurer, network of recommended garages, mobile<\/td>\n app<td style=\"padding:10px;text-align:center;color:#10b981;font-weight:bold;\">\u2713<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n<td style=\"padding:10px;font-weight:600;\">Desjardins (The Personal)<\/td>\n<td style=\"padding:10px;\">Direct<\/td>\n Insurer<td style=\"padding:10px;\">Largest insurer in Quebec, Desjardins<\/td>\n member discounts<td style=\"padding:10px;text-align:center;color:#64748b;\">Live<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">Beneva<\/td>\n<td style=\"padding:10px;\">Composite<\/td>\n insurer<td style=\"padding:10px;\">Resulting from the merger of SSQ + La Capitale, combined offer of savings<\/td>\n insurance<td style=\"padding:10px;text-align:center;color:#10b981;font-weight:bold;\">\u2713<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n<td style=\"padding:10px;font-weight:600;\">Promutuel Insurance<\/td>\n<td style=\"padding:10px;\">Regional<\/td>\n mutual insurance<td style=\"padding:10px;\">Strong local presence, personalized service, competitive rates in the region<\/td>\n<td style=\"padding:10px;text-align:center;color:#10b981;font-weight:bold;\">\u2713<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">Wawanesa<\/td>\n<td style=\"padding:10px;\">Insurer via broker<\/td>\n<td style=\"padding:10px;\">Lowest rates, excellent post-disaster<\/td>\n service<td style=\"padding:10px;text-align:center;color:#10b981;font-weight:bold;\">\u2713<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n<td style=\"padding:10px;font-weight:600;\">Industrial Alliance (iA)<\/td>\n<td style=\"padding:10px;\">Insurer via broker<\/td>\n<td style=\"padding:10px;\">Group discount vouchers, loyalty<\/td>\n programs<td style=\"padding:10px;text-align:center;color:#10b981;font-weight:bold;\">\u2713<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">CAA-Quebec<\/td>\n<td style=\"padding:10px;\">Direct<\/td>\n Insurer<td style=\"padding:10px;\">CAA member discounts, roadside assistance included<\/td>\n<td style=\"padding:10px;text-align:center;color:#64748b;\">Live<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n<td style=\"padding:10px;font-weight:600;\">Aviva Canada<\/td>\n<td style=\"padding:10px;\">Insurer via broker<\/td>\n<td style=\"padding:10px;\">Competitive prices, good for profiles with a track record<\/td>\n<td style=\"padding:10px;text-align:center;color:#10b981;font-weight:bold;\">\u2713<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">The Unique Insurance<\/td>\n<td style=\"padding:10px;\">Insurer via broker<\/td>\n<td style=\"padding:10px;\">Quebec specialist, advantageous rates in the regions<\/td>\n<td style=\"padding:10px;text-align:center;color:#10b981;font-weight:bold;\">\u2713<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><strong>7 of the above 9 insurers<\/strong> can be accessed through a broker. This is the main advantage of going through Assur360: a single quote gives you access to these insurers without shopping around individually. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-choose-Assur360-for-your-car-insurance\"><\/span>Why choose Assur360 for your car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-363e50ac wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-border-color has-background is-layout-constrained wp-container-core-group-is-layout-95339512 wp-block-group-is-layout-constrained\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;background-color:#ffffff;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#10c4c7;font-size:36px;font-style:normal;font-weight:800\">9<\/p>\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\">Insurers Compared<\/p>\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#64748b;font-size:13px\">All certified by the AMF<\/p>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-border-color has-background is-layout-constrained wp-container-core-group-is-layout-95339512 wp-block-group-is-layout-constrained\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;background-color:#ffffff;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#10c4c7;font-size:36px;font-style:normal;font-weight:800\">3 min<\/p>\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\">To compare<\/p>\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#64748b;font-size:13px\">Fast and free quote<\/p>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-border-color has-background is-layout-constrained wp-container-core-group-is-layout-95339512 wp-block-group-is-layout-constrained\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;background-color:#ffffff;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#10c4c7;font-size:36px;font-style:normal;font-weight:800\">$400<\/p>\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\">Average Economy<\/p>\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#64748b;font-size:13px\">Per year on your premium<\/p>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Your-protection-supervised-by-the-Quebec-authorities\"><\/span>Your protection supervised by the Quebec authorities<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>In Quebec, the property and casualty insurance sector is strictly regulated to protect consumers:<\/p>\n\n<ul class=\"wp-block-list\">\n\n<li><strong><a href=\"https:\/\/lautorite.qc.ca\" target=\"_blank\" rel=\"noopener noreferrer\">Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a><\/strong> \u2014 The organization that oversees the entire Quebec financial sector, including auto insurance. All insurers and brokers must hold a valid AMF licence. <\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.chad.ca\/fr\/consommateurs\" target=\"_blank\" rel=\"noopener noreferrer\">Chambre de l&#8217;assurance de dommages (CHAD)<\/a><\/strong> \u2014 The self-regulatory organization that oversees damage insurance brokers and agents. You can check your broker&#8217;s certifications on their public registry. <\/li>\n\n\n\n<li><strong>Act respecting the distribution of financial products and services (Distribution Act)<\/strong> \u2014 The law that governs the sale of insurance in Quebec and protects your rights as a consumer.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/educaloi.qc.ca\/capsules\/votre-assurance-habitation\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u00c9ducaloi<\/a><\/strong> \u2014 Free legal resource to help you understand your insurance rights in Quebec.<\/li>\n\n<\/ul>\n\n<p>Assur360&#8217;s broker partners are all certified by the AMF and members of the CHAD. Your protection is in good hands. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Car-Insurance-in-Quebec\"><\/span>Frequently Asked Questions \u2014 Car Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is car insurance mandatory in Quebec?<\/summary>\n<p>Yes. In Quebec, all vehicle owners must have at least $50,000 in liability insurance. This minimum coverage is required by the Automobile Insurance Act. It covers property damage caused to others in the event of an accident. Bodily injuries are covered by the SAAQ public plan.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How much does car insurance cost in Quebec in 2026?<\/summary>\n<p>The average price is between $700 and $1,500 per year for a driver with a good record. The cost varies depending on your age, driving experience, vehicle, place of residence, claims history and coverage chosen. Comparing multiple insurers saves an average of $400.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What is the difference between the SAAQ and a private insurer?<\/summary>\n<p>Quebec has a unique regime in Canada. The SAAQ automatically covers the bodily injuries of all road users, regardless of the fault. Private insurance covers property damage: repair of your vehicle, damage to other people&#8217;s property, theft, vandalism and other additional coverage. Both are necessary.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What does motor liability insurance cover?<\/summary>\n<p>Third-party liability insurance covers property damage that you cause to others in an accident for which you are responsible. This includes damage to the other driver&#8217;s vehicle, public property, and personal items. The legal minimum is $50,000, but experts recommend at least $1,000,000.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How can I reduce the cost of my car insurance?<\/summary>\n<p>Seven strategies: 1) Compare at least 3 insurers; 2) Bundle car and home (5-15% discount); 3) Increase your deductible; 4) Install an anti-theft device; 5) Maintain a good driving record; 6) Take a defensive driving course; 7) Apply for all available discounts (annual payment, low mileage, winter tires).      <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What is the FAQ 43 (replacement cost) endorsement?<\/summary>\n<p>The FAQ 43 endorsement allows you to be compensated for the replacement cost of your vehicle in the event of a total loss, rather than its depreciated value. Particularly advantageous for new or recent vehicles (less than 5 years old). Without this endorsement, you receive the market value at the time of the loss.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How long does an online quote take?<\/summary>\n<p>With Assur360, you can get and compare prices from 9 Quebec insurers in 3 minutes. You will need your driver&#8217;s license, vehicle information (year, make, model), and zip code. The quote is free and without obligation.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What to do in the event of a car accident?<\/summary>\n<p>1) Ensure safety; 2) Call 911 if necessary; 3) Fill out a joint report; 4) Take pictures; 5) Write down the contact information of witnesses; 6) Contact your insurer within 24 hours; 7) For injuries, file a claim with the SAAQ.      <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Does my insurance cover driving in the United States?<\/summary>\n<p>Yes, most Quebec policies include coverage in the U.S. and Canada. However, U.S. minimums are often higher. It is recommended that you increase your liability to at least $2,000,000 before crossing the border.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What is the deductible in car insurance?<\/summary>\n<p>The deductible is the amount you pay out of pocket before the insurer covers the rest. With a $500 deductible and $3,000 damages, you pay $500 and the insurer pays $2,500. A higher deductible reduces your annual premium. The common deductibles are $250, $500 and $1,000.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Are winter tires mandatory in Quebec?<\/summary>\n<p>Yes, from December 1st to March 15th. Failure to comply results in a fine of $200 to $300. Some insurers offer a discount if you install your winter tires before the deadline. The tyres must bear the mountain and snowflake pictogram.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is a car insurance broker free?<\/summary>\n<p>Yes. The broker is compensated by a commission paid by the insurer, at no cost to you. The advantage is that it compares the offers of several insurers to find you the best coverage at the best price, while advising you according to your personal situation. <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What coverage should I choose for a new vehicle?<\/summary>\n<p>For a new vehicle: 1) Civil liability of $2,000,000; 2) Collision Protection (B1); 3) All-risk protection (B2); 4) Endorsement FAQ 43 (replacement cost); 5) Endorsement FAQ 20 (replacement vehicle). This comprehensive coverage protects your investment.     <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What happens if I drive without insurance in Quebec?<\/summary>\n<p>Driving without insurance is illegal: a fine of $325 to $2,200, seizure of the vehicle, demerit points and the obligation to provide proof of insurance to the SAAQ. In the event of an accident, you would be personally liable for any property damage caused. <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How does my place of residence affect my premium?<\/summary>\n<p>Urban areas like Montreal and Laval have higher premiums due to traffic volume, accident rate, and risk of theft. Rural areas benefit from lower premiums. The type of parking (garage, street) also plays a role.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How does the demerit point system work?<\/summary>\n<p>The SAAQ awards demerit points for violations of the Highway Safety Code (1 to 15 points per offence). At 15 points, your licence is revoked (8 for a new driver). Demerit points also increase your car insurance premium.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What is the difference between &#8220;car insurance&#8221; and &#8220;car insurance&#8221;?<\/summary>\n<p>There is no difference. The terms &#8220;car insurance&#8221; and &#8220;car insurance&#8221; refer to exactly the same product. Automobile insurance is the official term used in Quebec legislation and by the <a href=\"https:\/\/lautorite.qc.ca\" target=\"_blank\" rel=\"noopener noreferrer\">AMF<\/a>, while &#8220;automobile insurance&#8221; is the short form used in everyday language. At Assur360, we compare the same 9 certified insurers, regardless of the term used.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Can I insure a vehicle that is not in my name?<\/summary>\n<p>Yes, as long as you can demonstrate an insurable interest (you regularly use the vehicle or you are a co-borrower). Inform your insurer of the situation to obtain the appropriate coverage. <\/p>\n<\/details>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Discover-our-other-insurance-products\"><\/span>Discover our other insurance products<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-c5bd03e2 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<p class=\"has-text-color\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\"><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">Home insurance<\/a><\/p>\n\n\n<p class=\"has-text-color\" style=\"color:#64748b;font-size:13px\">Protect your home, condo or apartment in Quebec.<\/p>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<p class=\"has-text-color\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\"><a href=\"https:\/\/www.assur360.ca\/en\/motorcycle-insurance-online-quote\/\">Motorcycle insurance<\/a><\/p>\n\n\n<p class=\"has-text-color\" style=\"color:#64748b;font-size:13px\">Complete coverage for your motorcycle.<\/p>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<p class=\"has-text-color\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\"><a href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/\">Boat insurance<\/a><\/p>\n\n\n<p class=\"has-text-color\" style=\"color:#64748b;font-size:13px\">Sail with peace of mind on the lakes of Quebec.<\/p>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<p class=\"has-text-color\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\"><a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\">Business Insurance<\/a><\/p>\n\n\n<p class=\"has-text-color\" style=\"color:#64748b;font-size:13px\">Protect your business and your employees.<\/p>\n\n<\/div>\n\n<\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-b5a2d89d wp-block-group-is-layout-constrained\" style=\"border-radius:16px;padding-top:48px;padding-right:32px;padding-bottom:48px;padding-left:32px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#ffffff;font-size:26px;font-style:normal;font-weight:700\">Ready to save on your car insurance?<\/p>\n\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#94a3b8;font-size:16px\">Compare 9 AMF-certified insurers in 3 minutes. Free, no obligation. <\/p>\n\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#10c4c7;font-size:14px;font-style:normal;font-weight:600\">Average savings: $400 per year<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button has-custom-font-size\" style=\"font-size:20px;font-style:normal;font-weight:700\"><a class=\"wp-block-button__link has-white-color has-text-color wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-2\/\" style=\"border-radius:30px;background-color:#10c4c7;padding-top:18px;padding-right:56px;padding-bottom:18px;padding-left:56px\">Compare prices now<\/a><\/div>\n\n<\/div>\n\n\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\", \"description\": \"Courtier et comparateur d'assurance automobile au Qu\u00e9bec. Comparez les prix de 9 assureurs certifi\u00e9s AMF en 3 minutes.\", \"email\": \"info@assur360.ca\", \"address\": {\"@type\": \"PostalAddress\", \"addressLocality\": \"Qu\u00e9bec\", \"addressRegion\": \"QC\", \"addressCountry\": \"CA\"}, \"areaServed\": {\"@type\": \"AdministrativeArea\", \"name\": \"Qu\u00e9bec\", \"sameAs\": \"https:\/\/fr.wikipedia.org\/wiki\/Qu%C3%A9bec\"}, \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Permis de cabinet en assurance de dommages (n\u00ba 2000037336)\", \"recognizedBy\": {\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers\", \"url\": \"https:\/\/lautorite.qc.ca\"}}, \"serviceType\": [\"Assurance automobile\", \"Assurance auto\", \"Assurance habitation\", \"Assurance entreprise\", \"Assurance moto\"], \"knowsAbout\": [\"Assurance automobile Qu\u00e9bec\", \"Assurance auto Qu\u00e9bec\", \"Soumission assurance automobile\", \"Courtier assurance dommages\", \"Comparateur assurance auto\"]}<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"L'assurance auto est-elle obligatoire au Qu\u00e9bec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Au Qu\u00e9bec, tout propri\u00e9taire d'un v\u00e9hicule doit d\u00e9tenir une assurance responsabilit\u00e9 civile d'au moins 50 000 $. Cette couverture minimale est exig\u00e9e par la Loi sur l'assurance automobile. Elle couvre les dommages mat\u00e9riels caus\u00e9s \u00e0 autrui lors d'un accident. Les blessures corporelles sont couvertes par le r\u00e9gime public de la SAAQ.\"}},{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une assurance auto au Qu\u00e9bec en 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le prix moyen d'une assurance auto au Qu\u00e9bec en 2026 se situe entre 700 $ et 1 500 $ par ann\u00e9e pour un conducteur avec un bon dossier. Le co\u00fbt varie selon votre \u00e2ge, votre exp\u00e9rience de conduite, votre v\u00e9hicule, votre lieu de r\u00e9sidence, votre historique de r\u00e9clamations et les protections choisies. Comparer plusieurs assureurs permet d'\u00e9conomiser en moyenne 400 $.\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre l'assurance auto de la SAAQ et celle d'un assureur priv\u00e9?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le Qu\u00e9bec poss\u00e8de un r\u00e9gime unique au Canada. La SAAQ couvre automatiquement les blessures corporelles de tous les usagers de la route, peu importe la faute. L'assurance priv\u00e9e, elle, couvre les dommages mat\u00e9riels : r\u00e9paration de votre v\u00e9hicule, dommages aux biens d'autrui, vol, vandalisme et autres protections compl\u00e9mentaires. Les deux sont n\u00e9cessaires.\"}},{\"@type\":\"Question\",\"name\":\"Que couvre l'assurance responsabilit\u00e9 civile automobile?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'assurance responsabilit\u00e9 civile couvre les dommages mat\u00e9riels que vous causez \u00e0 autrui lors d'un accident dont vous \u00eates responsable. Cela inclut les dommages au v\u00e9hicule de l'autre conducteur, aux biens publics (poteaux, cl\u00f4tures, b\u00e2timents) et aux objets personnels. Le minimum l\u00e9gal au Qu\u00e9bec est de 50 000 $, mais les experts recommandent au moins 1 000 000 $ pour une protection ad\u00e9quate.\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce que la protection collision et la protection tous risques?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La protection collision (Chapitre B1) couvre les dommages \u00e0 votre propre v\u00e9hicule lors d'une collision avec un autre v\u00e9hicule ou un objet. La protection tous risques (Chapitre B2) couvre les dommages caus\u00e9s autrement qu'une collision : vol, vandalisme, gr\u00eale, incendie, bris de pare-brise, collision avec un animal. Ensemble, elles offrent une couverture compl\u00e8te pour votre v\u00e9hicule.\"}},{\"@type\":\"Question\",\"name\":\"Comment r\u00e9duire le co\u00fbt de mon assurance auto?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Sept strat\u00e9gies efficaces : 1) Comparer au moins 3 soumissions d'assureurs diff\u00e9rents; 2) Regrouper auto et habitation chez le m\u00eame assureur (rabais de 5 \u00e0 15 %); 3) Augmenter votre franchise (de 250 $ \u00e0 500 $ ou 1 000 $); 4) Installer un dispositif antivol homologu\u00e9; 5) Maintenir un bon dossier de conduite sans r\u00e9clamation; 6) Suivre un cours de conduite pr\u00e9ventive; 7) Demander tous les rabais disponibles (paiement annuel, v\u00e9hicule hiv\u00e9ris\u00e9, faible kilom\u00e9trage).\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce que l'avenant FAQ 43 (modification \u00e0 l'indemnisation)?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'avenant FAQ 43 (aussi appel\u00e9 Formule d'assurance compl\u00e9mentaire 43) est une protection optionnelle qui vous permet d'\u00eatre indemnis\u00e9 pour la valeur \u00e0 neuf de votre v\u00e9hicule en cas de perte totale, plut\u00f4t que sa valeur d\u00e9pr\u00e9ci\u00e9e. Il est particuli\u00e8rement avantageux pour les v\u00e9hicules neufs ou r\u00e9cents (moins de 5 ans). Sans cet avenant, vous recevez la valeur marchande du v\u00e9hicule au moment du sinistre.\"}},{\"@type\":\"Question\",\"name\":\"Combien de temps prend une soumission d'assurance auto en ligne?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Avec le comparateur Assur360, vous pouvez obtenir et comparer les prix de 9 assureurs qu\u00e9b\u00e9cois en 3 minutes. Vous aurez besoin de votre permis de conduire, des informations sur votre v\u00e9hicule (ann\u00e9e, marque, mod\u00e8le) et de votre code postal. La soumission est gratuite et sans obligation.\"}},{\"@type\":\"Question\",\"name\":\"Que faire en cas d'accident automobile au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En cas d'accident : 1) Assurez la s\u00e9curit\u00e9 (activez les feux de d\u00e9tresse, v\u00e9rifiez les blessures); 2) Appelez le 911 si n\u00e9cessaire; 3) Remplissez un constat amiable avec l'autre conducteur; 4) Prenez des photos des dommages et de la sc\u00e8ne; 5) Notez les coordonn\u00e9es des t\u00e9moins; 6) Contactez votre assureur dans les 24 heures; 7) Pour les blessures corporelles, d\u00e9posez une demande d'indemnisation \u00e0 la SAAQ.\"}},{\"@type\":\"Question\",\"name\":\"Mon assurance auto couvre-t-elle la conduite aux \u00c9tats-Unis?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, la plupart des polices d'assurance auto qu\u00e9b\u00e9coises incluent une couverture aux \u00c9tats-Unis et au Canada. Cependant, les minimums de couverture am\u00e9ricains sont souvent plus \u00e9lev\u00e9s. Il est recommand\u00e9 d'augmenter votre couverture responsabilit\u00e9 civile \u00e0 au moins 2 000 000 $ avant de traverser la fronti\u00e8re. V\u00e9rifiez aussi que votre carte d'assurance est valide pour la dur\u00e9e du s\u00e9jour.\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce que la franchise en assurance auto?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La franchise est le montant que vous devez payer de votre poche avant que votre assureur ne couvre le reste des dommages. Par exemple, avec une franchise de 500 $ et des dommages de 3 000 $, vous payez 500 $ et l'assureur paie 2 500 $. Une franchise plus \u00e9lev\u00e9e r\u00e9duit votre prime annuelle, mais augmente votre co\u00fbt en cas de sinistre. Les franchises courantes sont 250 $, 500 $ et 1 000 $.\"}},{\"@type\":\"Question\",\"name\":\"Comment fonctionne le syst\u00e8me de points d'inaptitude au Qu\u00e9bec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La SAAQ attribue des points d'inaptitude pour les infractions au Code de la s\u00e9curit\u00e9 routi\u00e8re. Chaque infraction vaut entre 1 et 15 points. Un conducteur dont le permis comporte 15 points ou plus verra son permis r\u00e9voqu\u00e9 (8 points pour un nouveau conducteur). Les points d'inaptitude affectent \u00e9galement votre prime d'assurance auto : plus vous avez de points, plus votre assurance co\u00fbte cher.\"}},{\"@type\":\"Question\",\"name\":\"Quelle couverture d'assurance auto choisir pour un v\u00e9hicule neuf?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour un v\u00e9hicule neuf, les experts recommandent : 1) Responsabilit\u00e9 civile de 2 000 000 $; 2) Protection collision (Chapitre B1); 3) Protection tous risques (Chapitre B2); 4) Avenant FAQ 43 (valeur \u00e0 neuf); 5) Avenant FAQ 20 (v\u00e9hicule de remplacement). Cette couverture compl\u00e8te prot\u00e8ge votre investissement et vous assure une tranquillit\u00e9 d'esprit en cas de sinistre majeur.\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre assurance auto et assurance automobile ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Il n'y a aucune diff\u00e9rence. Les termes assurance auto et assurance automobile d\u00e9signent exactement le m\u00eame produit. L'assurance automobile est le terme officiel utilis\u00e9 dans la l\u00e9gislation qu\u00e9b\u00e9coise et par l'AMF, tandis qu'assurance auto est la forme abr\u00e9g\u00e9e utilis\u00e9e dans le langage courant.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je assurer un v\u00e9hicule qui n'est pas \u00e0 mon nom?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, c'est possible mais certaines conditions s'appliquent. Vous devez d\u00e9montrer un int\u00e9r\u00eat assurable, c'est-\u00e0-dire que vous subiriez une perte financi\u00e8re si le v\u00e9hicule \u00e9tait endommag\u00e9. C'est le cas si vous utilisez r\u00e9guli\u00e8rement le v\u00e9hicule ou si vous \u00eates co-emprunteur du pr\u00eat auto. Informez votre assureur de la situation pour obtenir la couverture appropri\u00e9e.\"}},{\"@type\":\"Question\",\"name\":\"Qu'arrive-t-il si je n'ai pas d'assurance auto au Qu\u00e9bec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Conduire sans assurance auto au Qu\u00e9bec est ill\u00e9gal et entra\u00eene des cons\u00e9quences s\u00e9v\u00e8res : amende de 325 $ \u00e0 2 200 $, saisie du v\u00e9hicule, points d'inaptitude et obligation de fournir une preuve d'assurance \u00e0 la SAAQ pour r\u00e9cup\u00e9rer votre droit de conduire. En cas d'accident, vous seriez personnellement responsable de tous les dommages mat\u00e9riels caus\u00e9s \u00e0 autrui.\"}},{\"@type\":\"Question\",\"name\":\"Comment mon lieu de r\u00e9sidence affecte-t-il ma prime d'assurance auto?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Votre lieu de r\u00e9sidence influence significativement votre prime. Les r\u00e9gions urbaines comme Montr\u00e9al et Laval ont des primes plus \u00e9lev\u00e9es en raison du volume de circulation, du taux d'accidents et du risque de vol plus importants. Les r\u00e9gions rurales b\u00e9n\u00e9ficient g\u00e9n\u00e9ralement de primes plus basses. Le stationnement (garage, rue, stationnement int\u00e9rieur) joue aussi un r\u00f4le dans le calcul.\"}},{\"@type\":\"Question\",\"name\":\"Les pneus d'hiver sont-ils obligatoires au Qu\u00e9bec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, les pneus d'hiver sont obligatoires au Qu\u00e9bec du 1er d\u00e9cembre au 15 mars. Le non-respect de cette obligation entra\u00eene une amende de 200 $ \u00e0 300 $. Certains assureurs offrent un rabais sur votre prime si vous installez vos pneus d'hiver avant la date limite. Les pneus doivent porter le pictogramme montagne et flocon de neige pour \u00eatre conformes.\"}},{\"@type\":\"Question\",\"name\":\"Un courtier en assurance auto est-il gratuit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, les services d'un courtier en assurance auto sont gratuits pour le consommateur. Le courtier est r\u00e9mun\u00e9r\u00e9 par une commission vers\u00e9e par l'assureur, sans frais suppl\u00e9mentaires pour vous. L'avantage d'un courtier est qu'il compare les offres de plusieurs assureurs pour vous trouver la meilleure couverture au meilleur prix, tout en vous conseillant selon votre situation personnelle.\"}}]}<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance auto\", \"item\": \"https:\/\/www.assur360.ca\/assurance-auto\/\"}]}\n<\/script>\n<p><!-- MAILLAGE-HUB-START --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Car-insurance-by-city-in-Quebec\"><\/span>Car insurance by city in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Assur360 serves more than 20 cities across Quebec. Click on your city to get a local guide and a personalized quote tailored to your area. <\/p>\n\n<section style=\"margin:24px 0 40px;\">\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:10px;\"><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/alma-car-insurance-3-minute-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance in Alma 2026<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-blainville\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Blainville Car Insurance 2026<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-in-brossard\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance in Brossard<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-chateauguay\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance in Ch\u00e2teauguay 2026<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-dollard-des-ormeaux\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance in Dollard-des-Ormeaux 2026<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-levis\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance Levis<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-longueuil\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance Longueuil<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-magog\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance in Magog 2026<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-mascouche\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance in Mascouche 2026<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-in-mirabel\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance in Mirabel 2026<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-rimouski\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance in Rimouski 2026<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-in-rouyn-noranda\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance in Rouyn-Noranda 2026<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-in-saguenay-quote-in-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance in Saguenay<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-saint-eustache\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance in Saint-Eustache 2026<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-saint-hyacinthe\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance in Saint-Hyacinthe 2026<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-saint-jean-sur-richelieu\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance Saint-Jean-sur-Richelieu<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-salaberry-de-valleyfield-quick-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance in Salaberry-de-Valleyfield 2026<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/sorel-car-insurance-3-minute-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance in Sorel-Tracy 2026<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/terrebonne-car-insurance-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance in Terrebonne 2026<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-trois-rivieres\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car Insurance Trois-Rivi\u00e8res<\/a><\/div>\n<\/section>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Car-insurance-by-vehicle-brand\"><\/span>Car insurance by vehicle brand<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Compare rates specific to the brand of your vehicle. Each manufacturer has its own particularities (theft, parts, power) that influence your premium. <\/p>\n\n<section style=\"margin:24px 0 40px;\">\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:10px;\"><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/acura-car-insurance\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Acura Car Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/audi-car-insurance\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Audi Car Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/buick-car-insurance\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Buick Car Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/cadillac-car-insurance\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Cadillac Car Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/dodge-car-insurance\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Dodge Car<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/ford-car-insurance-2\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Insurance Ford Car<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/honda-car-insurance-2\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Insurance Honda Car Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/infiniti-car-insurance\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Infiniti Car Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/mazda-car-insurance\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Mazda Car<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/nissan-car-insurance\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Insurance Nissan Car<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/chrysler-car-insurance\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Insurance Chrysler Car<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/fiat-car-insurance\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Insurance Fiat Car Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/genesis-vehicle-insurance\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Genesis Vehicle Insurance<\/a><\/div>\n<\/section>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Car-Guides-Resources\"><\/span>Car Guides  Resources<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Take advantage of our specialized guides to better understand your car coverage in Quebec.<\/p>\n\n<section style=\"margin:24px 0 40px;\">\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:10px;\"><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-rate-comparison-by-car-brand\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Comparison of car insurance rates by car brand<\/a> Young <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/young-driver-car-insurance\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">driver car insurance in Quebec<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/insurance-55\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Insurance 55 years old and +<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-comparison\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car insurance comparison, how to compare and choose in Quebec in 2026?<\/a><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-in-quebec\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Car insurance by city in Quebec<\/a><\/div>\n<\/section>\n<p><!-- MAILLAGE-HUB-END --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Free comparator 2026 Car Insurance in Quebec Compare the prices of 9 Quebec AMF-certified insurers in just 3 minutes. Ideal coverage at [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":20305,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Auto Insurance Quebec 2026: Compare 9 insurers in 2 min","_seopress_titles_desc":"Compare 9 car insurers in Quebec in 2026 and save up to $400\/year. AMF certified brokers. Free quote in 2 minutes.","_seopress_robots_index":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":5,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-15612","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":3653,"sum_votes":18265},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15612","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=15612"}],"version-history":[{"count":62,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15612\/revisions"}],"predecessor-version":[{"id":58718,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15612\/revisions\/58718"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/20305"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=15612"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}