{"id":15643,"date":"2023-08-28T12:27:07","date_gmt":"2023-08-28T16:27:07","guid":{"rendered":"https:\/\/www.assur360.ca\/car-insurance-3-minute-quote\/young-driver-car-insurance\/"},"modified":"2026-05-22T00:57:26","modified_gmt":"2026-05-22T04:57:26","slug":"young-driver-car-insurance","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/young-driver-car-insurance\/","title":{"rendered":"Young Driver Car Insurance in Quebec"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:56px 32px;text-align:center;margin:0 0 32px;color:#fff;\">\n  <div style=\"display:inline-block;background:rgba(16,196,199,0.15);color:#10c4c7;border:1px solid #10c4c7;font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;padding:6px 18px;border-radius:20px;margin-bottom:18px;\">Moins de 25 ans \u00b7 2026<\/div>\n  <h1 style=\"color:#fff;font-size:clamp(28px,4vw,40px);font-weight:800;margin:0 0 16px;line-height:1.15;\"><span class=\"ez-toc-section\" id=\"Assurance-auto-jeune-conducteur-au-Quebec\"><\/span>Assurance auto jeune conducteur au Qu\u00e9bec<span class=\"ez-toc-section-end\"><\/span><\/h1>\n  <p style=\"color:#cbd5e1;font-size:17px;line-height:1.7;max-width:720px;margin:0 auto 28px;\">Des <strong style=\"color:#fff;\">primes comp\u00e9titives<\/strong> adapt\u00e9es \u00e0 votre profil. Obtenez une soumission claire : <strong style=\"color:#fff;\">responsabilit\u00e9 civile 2 M$<\/strong>, <strong style=\"color:#fff;\">tous risques<\/strong>, <strong style=\"color:#fff;\">bris de glace<\/strong>. Nos courtiers certifi\u00e9s AMF comparent 9+ assureurs et optimisent le prix avec les rabais t\u00e9l\u00e9matiques, multi-polices et franchise ajust\u00e9e.<\/p>\n  <div style=\"display:flex;gap:14px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/soumission-auto-rapide-en-ligne\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:15px 32px;border-radius:10px;text-decoration:none;font-weight:700;font-size:16px;box-shadow:0 4px 14px rgba(16,196,199,0.35);display:inline-block;\">Soumission gratuite en 3 min \u2192<\/a>\n    <a href=\"tel:+18663574451\" style=\"background:transparent;color:#fff;padding:14px 32px;border-radius:10px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #fff;display:inline-block;\">\u260e 1-866-357-4451<\/a>\n  <\/div>\n<\/div>\n\n<div style=\"background:#fff;border:1px solid #e2e8f0;border-radius:12px;padding:28px 24px;margin:0 0 32px;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center;\">\n  <div><div style=\"font-size:32px;font-weight:800;color:#10c4c7;line-height:1;\">9+<\/div><div style=\"font-size:12px;color:#64748b;margin-top:6px;text-transform:uppercase;letter-spacing:0.5px;\">Insurers Compared<\/div><\/div>\n  <div><div style=\"font-size:32px;font-weight:800;color:#10c4c7;line-height:1;\">$2M<\/div><div style=\"font-size:12px;color:#64748b;margin-top:6px;text-transform:uppercase;letter-spacing:0.5px;\">Civil liability<\/div><\/div>\n  <div><div style=\"font-size:32px;font-weight:800;color:#10c4c7;line-height:1;\">5-25 %<\/div><div style=\"font-size:12px;color:#64748b;margin-top:6px;text-transform:uppercase;letter-spacing:0.5px;\">Combined discounts<\/div><\/div>\n  <div><div style=\"font-size:32px;font-weight:800;color:#10c4c7;line-height:1;\">3 min<\/div><div style=\"font-size:12px;color:#64748b;margin-top:6px;text-transform:uppercase;letter-spacing:0.5px;\">for Submission<\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Car-insurance-adapted-to-the-young-driver\"><\/span>Car insurance adapted to the young driver<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Starting behind the wheel shouldn&#8217;t cost a fortune. With Assur360, get a clear quote and competitive premiums adapted to your profile: age, driving history, mileage, type of vehicle. We compare essential coverage for you and optimize the price with tangible discounts \u2014 solid coverage, without paying for unnecessary options.  <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large is-style-rounded\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/10\/001-soumission-assurance-auto-jeune-automobiliste.png\" alt=\"Young driver smiling in front of her vehicle in Quebec\" style=\"max-width:520px;border-radius:12px;box-shadow:0 8px 30px rgba(13,31,45,0.15);\"\/><figcaption>Car insurance quote adapted to young drivers in Quebec.<\/figcaption><\/figure>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-your-quote-in-4-steps\"><\/span>How to get your quote in 4 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px;margin:24px 0;\">\n  <div style=\"text-align:center;padding:20px 16px;\">\n    <div style=\"width:44px;height:44px;border-radius:50%;background:#10c4c7;color:#fff;font-size:20px;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 auto 14px;\">1<\/div>\n    <h4 style=\"font-size:15px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Fill out the form<\/h4>\n    <p style=\"font-size:14px;color:#64748b;margin:0;line-height:1.5;\">In less than 3 minutes, indicate your profile, your vehicle and your needs.<\/p>\n  <\/div>\n  <div style=\"text-align:center;padding:20px 16px;\">\n    <div style=\"width:44px;height:44px;border-radius:50%;background:#10c4c7;color:#fff;font-size:20px;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 auto 14px;\">2<\/div>\n    <h4 style=\"font-size:15px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Multi-insurer comparison<\/h4>\n    <p style=\"font-size:14px;color:#64748b;margin:0;line-height:1.5;\">Our brokers compare 9+ companies to find the best price.<\/p>\n  <\/div>\n  <div style=\"text-align:center;padding:20px 16px;\">\n    <div style=\"width:44px;height:44px;border-radius:50%;background:#10c4c7;color:#fff;font-size:20px;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 auto 14px;\">3<\/div>\n    <h4 style=\"font-size:15px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Personal advice<\/h4>\n    <p style=\"font-size:14px;color:#64748b;margin:0;line-height:1.5;\">An AMF-certified broker explains each option to you clearly.<\/p>\n  <\/div>\n  <div style=\"text-align:center;padding:20px 16px;\">\n    <div style=\"width:44px;height:44px;border-radius:50%;background:#10c4c7;color:#fff;font-size:20px;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 auto 14px;\">4<\/div>\n    <h4 style=\"font-size:15px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Save<\/h4>\n    <p style=\"font-size:14px;color:#64748b;margin:0;line-height:1.5;\">Choose the best coverage at the best price, without compromise.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-are-premiums-higher-for-a-young-driver\"><\/span>Why are premiums higher for a young driver?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h3 class=\"wp-block-heading\">The challenge of experience<\/h3>\n\n<p class=\"wp-block-paragraph\">Les assureurs prennent en compte votre historique de conduite limit\u00e9, ce qui influence le co\u00fbt de votre <a href=\"https:\/\/www.assur360.ca\/assurance-auto\/\">assurance auto<\/a>. Avec le temps et la pratique, vous gagnerez de l&#8217;exp\u00e9rience et vos primes baisseront naturellement.<\/p>\n\n<h3 class=\"wp-block-heading\">The numbers speak for themselves<\/h3>\n\n<p class=\"wp-block-paragraph\">Selon les statistiques de la <a href=\"https:\/\/saaq.gouv.qc.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">SAAQ<\/a>, les conducteurs de 16 \u00e0 24 ans sont surrepr\u00e9sent\u00e9s dans les accidents avec bless\u00e9s au Qu\u00e9bec. Cela explique que <a href=\"https:\/\/www.assur360.ca\/blog\/prix\/pourquoi-les-primes-dassurance-auto-grimpent-elles-autant-au-quebec\/\">vos primes d&#8217;assurance auto<\/a> soient plus \u00e9lev\u00e9es en d\u00e9but de carri\u00e8re au volant, mais chaque dossier est \u00e9valu\u00e9 individuellement.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-save-on-your-car-insurance-at-18-25-years-old\"><\/span>How to save on your car insurance at 18-25 years old<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">L&#8217;assurance auto pour les jeunes conducteurs peut \u00eatre plus ch\u00e8re, mais il existe plusieurs leviers concrets pour r\u00e9duire votre facture. Optez pour une <strong>voiture plus s\u00e9curitaire et moins puissante<\/strong>, maintenez un bon dossier de conduite et envisagez de <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\">regrouper vos assurances auto et habitation<\/a>. Utilisez un <a href=\"https:\/\/www.assur360.ca\/blog\/prix\/comparateur-auto\/\">comparateur d&#8217;assurance auto<\/a> pour valider vos prix chaque ann\u00e9e.<\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border:2px solid #10c4c7;border-radius:12px;padding:32px;margin:32px 0;color:#fff;\">\n  <h3 style=\"color:#10c4c7;font-size:20px;margin:0 0 12px;\">Key Tip for Young Drivers<\/h3>\n  <p style=\"color:#cbd5e1;margin:0;font-size:15px;line-height:1.7;\">Bundling your <strong style=\"color:#fff;\">car<\/strong> and <strong style=\"color:#fff;\">home insurance<\/strong> with the same insurer can generate a <strong style=\"color:#fff;\">multi-policy discount of 5 to 15%.<\/strong> Add a <strong style=\"color:#fff;\">$1,000 deductible<\/strong> if you can afford it and a <strong style=\"color:#fff;\">telematics device<\/strong> to prove your good behavior. These three levers combined can significantly reduce your premium.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-car-insurance-cost-for-a-young-driver-in-Quebec\"><\/span>How much does car insurance cost for a young driver in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Rates vary depending on several factors: region, vehicle type, level of coverage and driving history. As an indication, here are the ranges observed in 2026 by Assur360 brokers for an 18-24 year old driver without a claim. <\/p>\n\n<div style=\"overflow-x:auto;margin:24px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:15px;\">\n    <thead>\n      <tr><th style=\"background:#0d1f2d;color:#fff;padding:14px;text-align:left;font-weight:600;\">Profile<\/th><th style=\"background:#0d1f2d;color:#fff;padding:14px;text-align:left;font-weight:600;\">Indicative annual premium<\/th> <th style=\"background:#0d1f2d;color:#fff;padding:14px;text-align:left;font-weight:600;\">coverage<\/th><\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">Student 18 years old, 2015 Honda Civic<\/td><td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">Liability $2 million + collision<\/td><td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">2,400 \u2013 $3,200<\/td><\/tr>\n      <tr><td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">Student 20 years old, 2018 Toyota Corolla<\/td><td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">All Risks<\/td><td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">$2,000 \u2013 $2,800<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">22 years old driver, 2020 Mazda 3<\/td><td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">All Risks + Glass Breakage<\/td><td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">$1,800 \u2013 $2,500<\/td><\/tr>\n      <tr><td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">24-year-old driver, 2021 Hyundai Elantra<\/td><td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">All Comprehensive + Quebec 27 endorsement<\/td><td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">$1,500 \u2013 $2,200<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\"><em>The rates shown are general ranges observed. Your actual quote depends on your complete file: postal code, mileage, exact vehicle, history, claims, etc. <\/em><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6-Winning-Strategies-for-Insuring-a-Young-Driver\"><\/span>6 Winning Strategies for Insuring a Young Driver<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;margin:24px 0;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h4 style=\"font-size:16px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Recognized Driver Training<\/h4>\n    <p style=\"font-size:14px;color:#475569;margin:0;line-height:1.6;\">Some insurers offer discounts for drivers who have completed a training program recognized by the SAAQ.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h4 style=\"font-size:16px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Addition to the Parents&#8217; Policy<\/h4>\n    <p style=\"font-size:14px;color:#475569;margin:0;line-height:1.6;\">Being added as an occasional driver to a parent&#8217;s contract can reduce costs \u2014 as long as you honestly declare the use.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h4 style=\"font-size:16px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Multi-insurer comparison<\/h4>\n    <p style=\"font-size:14px;color:#475569;margin:0;line-height:1.6;\">Each company has its own pricing. Differences can exceed $800 per year for the same profile. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h4 style=\"font-size:16px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Higher deductible<\/h4>\n    <p style=\"font-size:14px;color:#475569;margin:0;line-height:1.6;\">Increasing the deductible from $250 to $1,000 can reduce the premium by 10 to 20 per cent, as long as you can afford the amount.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h4 style=\"font-size:16px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Telematics device<\/h4>\n    <p style=\"font-size:14px;color:#475569;margin:0;line-height:1.6;\">A box or app that measures your driving can generate a discount of up to 25% if you drive safely.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h4 style=\"font-size:16px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Well chosen vehicle<\/h4>\n    <p style=\"font-size:14px;color:#475569;margin:0;line-height:1.6;\">A car that is less powerful, less expensive and with good safety tests costs significantly less to insure than a sports SUV.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Recommended-vehicles-for-a-young-driver\"><\/span>Recommended vehicles for a young driver<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The choice of vehicle has a major impact on the premium. Choose a car with good safety test results and a modest engine. Here are the most economical models to insure for a young driver.  <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;margin:24px 0;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h4 style=\"font-size:16px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Honda Civic<\/h4>\n    <p style=\"font-size:14px;color:#475569;margin:0;line-height:1.6;\">Fiable, bon historique de r\u00e9parations, taux de sinistres faible. <a href=\"\/assurance-auto-honda\/\" style=\"color:#10c4c7;\">Voir l&#8217;assurance Honda<\/a>.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h4 style=\"font-size:16px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Toyota Corolla<\/h4>\n    <p style=\"font-size:14px;color:#475569;margin:0;line-height:1.6;\">Excellente s\u00e9curit\u00e9, pi\u00e8ces abordables, rare chez les voleurs. <a href=\"\/assurance-auto-toyota\/\" style=\"color:#10c4c7;\">Voir l&#8217;assurance Toyota<\/a>.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h4 style=\"font-size:16px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Mazda 3<\/h4>\n    <p style=\"font-size:14px;color:#475569;margin:0;line-height:1.6;\">Compacte s\u00e9curitaire, technologie \u00e0 jour, prime comp\u00e9titive. <a href=\"\/assurance-auto-mazda\/\" style=\"color:#10c4c7;\">Voir l&#8217;assurance Mazda<\/a>.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h4 style=\"font-size:16px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Hyundai Elantra<\/h4>\n    <p style=\"font-size:14px;color:#475569;margin:0;line-height:1.6;\">Garantie constructeur longue, bons tests IIHS. <a href=\"\/assurance-auto-hyundai\/\" style=\"color:#10c4c7;\">Voir l&#8217;assurance Hyundai<\/a>.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h4 style=\"font-size:16px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Kia Forte<\/h4>\n    <p style=\"font-size:14px;color:#475569;margin:0;line-height:1.6;\">Bonne valeur, \u00e9quipement s\u00e9curit\u00e9 de s\u00e9rie. <a href=\"https:\/\/www.assur360.ca\/assurance-auto-kia\/\" style=\"color:#10c4c7;\">Voir l&#8217;assurance Kia<\/a>.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h4 style=\"font-size:16px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Nissan Sentra<\/h4>\n    <p style=\"font-size:14px;color:#475569;margin:0;line-height:1.6;\">Berline abordable, assurance g\u00e9n\u00e9ralement \u00e9conomique. <a href=\"\/assurance-auto-nissan\/\" style=\"color:#10c4c7;\">Voir l&#8217;assurance Nissan<\/a>.<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:8px;padding:20px 24px;margin:32px 0;\">\n  <p style=\"margin:0;color:#7f1d1d;font-size:15px;\"><strong style=\"color:#b91c1c;\">\u26a0 To be avoided at all costs:<\/strong> to declare a parent as the main driver while the young driver uses the vehicle on a daily basis. In the event of a claim, the insurer may <strong>refuse the claim<\/strong> or cancel the contract for misrepresentation. Always declare the reality of use.  <\/p>\n<\/div>\n\n<div style=\"background:#f0fdfa;border-radius:12px;padding:32px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:20px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;\">\n    <div style=\"display:flex;align-items:flex-start;gap:10px;font-size:15px;color:#334155;\"><span style=\"color:#10c4c7;font-size:20px;font-weight:700;flex-shrink:0;\">\u2713<\/span><span><strong style=\"color:#0d1f2d;\">AMF certified brokers<\/strong> \u2014 All of our advisors are supervised by the Autorit\u00e9 des march\u00e9s financiers du Qu\u00e9bec.<\/span><\/div>\n    <div style=\"display:flex;align-items:flex-start;gap:10px;font-size:15px;color:#334155;\"><span style=\"color:#10c4c7;font-size:20px;font-weight:700;flex-shrink:0;\">\u2713<\/span><span><strong style=\"color:#0d1f2d;\">Members of the Chambre de l&#8217;assurance<\/strong> \u2014 Chambre de l&#8217;assurance, a guarantee of professionalism and ethics.<\/span><\/div>\n    <div style=\"display:flex;align-items:flex-start;gap:10px;font-size:15px;color:#334155;\"><span style=\"color:#10c4c7;font-size:20px;font-weight:700;flex-shrink:0;\">\u2713<\/span><span><strong style=\"color:#0d1f2d;\">100,000+ submissions<\/strong> \u2014 Thousands of Quebecers trust us every year.<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:#f8fafc;border-radius:12px;padding:28px 32px;margin:32px 0;\">\n  <h3 style=\"font-size:18px;color:#0d1f2d;margin:0 0 12px;\">Service available throughout Quebec<\/h3>\n  <p style=\"font-size:15px;color:#475569;margin:0;line-height:1.7;\">Assur360 serves all of Quebec. Get your young driver insurance quote whether you are in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> or <strong>Saguenay<\/strong>. Online and telephone service, even in remote areas.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Young-driver-insurance\"><\/span>Frequently asked questions \u2014 Young driver insurance<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><strong>What are the specificities of insurance for young drivers?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Insurance for young drivers has certain specificities due to the increased risk perceived by insurers. Drivers between the ages of 18 and 25 are considered more at risk due to their lack of experience, which usually results in <a href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/why-are-car-insurance-premiums-rising-2\/\">higher premiums<\/a>. There are several ways to reduce costs: multi-insurer comparison, telematics device, adjusted deductible and multi-policy.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Which vehicle is the cheapest to insure for a young driver?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Less powerful cars with good safety test results are the least expensive to insure. Reliable compacts like the <strong>Honda Civic<\/strong>, <strong>Toyota Corolla<\/strong>, <strong>Mazda 3<\/strong>, <strong>Hyundai Elantra<\/strong> and <strong>Kia Forte<\/strong> offer the best rates for a young driver in Quebec. <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How can I reduce my car insurance premium?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Compare offers from several insurers (a broker like Assur360 does the work for you), increase your deductible from $250 to $500 or $1,000, bundle your car and home insurance (multi-policy), install a telematics device and maintain a clean driving record.<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>&#8220;One Edge&#8221; or &#8220;Both Sides&#8221;: Which Is Better?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">It depends on the value of the vehicle and your budget. <strong>&#8220;On Both Sides&#8221;<\/strong> (collision + comprehensive coverage) is recommended for a vehicle less than 8 years old or worth more than $6,000. <strong>&#8220;One Edge&#8221;<\/strong> (civil liability only, mandatory in Quebec) only protects damage to others and may be suitable for an old, low-value car.<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How can you pay less in 2026 without reducing the protection too much?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Choose a car that is less expensive to insure, adjust the deductible, bundle your insurance, limit the mileage declared to your actual use, and above all <strong>compare quotes with equivalent coverage<\/strong>. An Assur360 broker does all of this work for you, free of charge. <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Does a driving course really help?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Often, yes. Some insurers take into account training recognized by the <a href=\"https:\/\/saaq.gouv.qc.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">SAAQ<\/a> and offer a discount for young people who have completed the full program. The impact varies depending on the insurer and your overall file.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Does the annual mileage influence the quote?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Yes. Usage and annual mileage are important factors: the more you drive, the more the risk increases and the more the premium can vary. Report your actual mileage \u2014 underreporting may result in a claim denial. <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Why do two bids give different prices?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Because the coverages, deductibles, exclusions, discounts and the method of evaluating certain elements vary from one insurer to another. Always compare <strong>the same coverages<\/strong> for a fair comparison. This is exactly what an independent broker does.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Is an online submission &#8220;final&#8221;?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">This is often an <strong>estimate<\/strong> based on your answers. The price can be confirmed or adjusted if certain information needs to be validated (driving history, claims statement, precise postal code) before the contract is issued. <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Does insurance in the name of parents cost less?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Sometimes, but it depends. The key is to correctly declare who is <strong>the main driver<\/strong> and how the vehicle is used. It is better to avoid false declarations: in the event of a claim, the insurer can refuse the claim and cancel the contract.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>If I go from 0 to >,000 deductible, does that reduce the price?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Yes, it can lower the premium by 10 to 20%, but it increases your financial exposure. The right test: <em>can I really pay $1,000 if a claim happens tomorrow?<\/em> If so, the high deductible is an excellent savings lever. <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Is Assur360 available everywhere in Quebec?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Yes. Assur360 serves <strong>all of Quebec<\/strong>, regardless of your city or region. The service is available online (quick quote) and by phone with a broker. Available in Montreal, Quebec City, Laval, Gatineau, Trois-Rivi\u00e8res, Saguenay, Sherbrooke, Longueuil and in the surrounding areas.  <\/p>\n<\/details>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:56px 32px;text-align:center;border-radius:16px;margin:48px 0 24px;color:#fff;\">\n  <div style=\"display:inline-block;background:rgba(16,196,199,0.15);color:#10c4c7;font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;padding:6px 18px;border-radius:20px;margin-bottom:16px;\">Comparez et \u00e9conomisez<\/div>\n  <h2 style=\"color:#fff;font-size:28px;font-weight:800;margin:0 0 14px;\"><span class=\"ez-toc-section\" id=\"Protegez-votre-vehicule-au-meilleur-prix\"><\/span>Prot\u00e9gez votre v\u00e9hicule au meilleur prix<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#cbd5e1;font-size:16px;max-width:600px;margin:0 auto 28px;\">Nos courtiers certifi\u00e9s AMF comparent 9+ assureurs pour vous trouver la meilleure couverture automobile adapt\u00e9e aux jeunes conducteurs du Qu\u00e9bec.<\/p>\n  <div style=\"display:flex;gap:14px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/soumission-auto-rapide-en-ligne\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 32px;border-radius:10px;text-decoration:none;font-weight:700;font-size:16px;box-shadow:0 4px 14px rgba(16,196,199,0.35);display:inline-block;\">Soumission gratuite en 3 min \u2192<\/a>\n    <a href=\"tel:+18663574451\" style=\"background:transparent;color:#fff;padding:16px 32px;border-radius:10px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #fff;display:inline-block;\">\u260e 1-866-357-4451<\/a>\n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InsuranceAgency\",\"name\":\"Assur360 \u2014 Assurance auto jeune conducteur\",\"url\":\"https:\/\/www.assur360.ca\/assurance-auto\/jeune-conducteur\/\",\"telephone\":\"+1-866-357-4451\",\"areaServed\":{\"@type\":\"AdministrativeArea\",\"name\":\"Qu\u00e9bec, Canada\"},\"image\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2025\/10\/001-soumission-assurance-auto-jeune-automobiliste.png\",\"priceRange\":\"$$\"}\n<\/script><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\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Jeune conducteur\",\"item\":\"https:\/\/www.assur360.ca\/assurance-auto\/jeune-conducteur\/\"}]}\n<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Quelles sont les sp\u00e9cificit\u00e9s de l'assurance pour les jeunes conducteurs ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les conducteurs de 18 \u00e0 25 ans sont consid\u00e9r\u00e9s comme plus \u00e0 risque en raison de leur manque d'exp\u00e9rience, ce qui se traduit par des primes plus \u00e9lev\u00e9es. Il existe plusieurs fa\u00e7ons de r\u00e9duire les co\u00fbts : comparaison multi-assureurs, dispositif t\u00e9l\u00e9matique, franchise ajust\u00e9e et multi-polices.\"}},{\"@type\":\"Question\",\"name\":\"Quel v\u00e9hicule est le moins cher \u00e0 assurer pour un jeune conducteur ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les compactes fiables comme la Honda Civic, Toyota Corolla, Mazda 3, Hyundai Elantra et Kia Forte offrent les meilleurs tarifs pour un jeune conducteur au Qu\u00e9bec.\"}},{\"@type\":\"Question\",\"name\":\"Comment r\u00e9duire ma prime d'assurance auto ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Comparez plusieurs assureurs, augmentez votre franchise, regroupez auto et habitation, installez un dispositif t\u00e9l\u00e9matique et maintenez un dossier propre.\"}},{\"@type\":\"Question\",\"name\":\"Un bord ou des deux bords : qu'est-ce qui est mieux ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Des deux bords (collision + tous risques) est recommand\u00e9 pour un v\u00e9hicule de moins de 8 ans ou valant plus de 6 000 $. Un bord (responsabilit\u00e9 civile seulement) convient \u00e0 une vieille voiture de faible valeur.\"}},{\"@type\":\"Question\",\"name\":\"Comment payer moins cher en 2026 sans r\u00e9duire trop la protection ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Choisissez une voiture moins co\u00fbteuse \u00e0 assurer, ajustez la franchise, regroupez vos assurances, limitez le kilom\u00e9trage \u00e0 votre usage r\u00e9el et comparez \u00e0 protections \u00e9quivalentes.\"}},{\"@type\":\"Question\",\"name\":\"Est-ce qu'un cours de conduite aide vraiment ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Souvent, oui. Certains assureurs tiennent compte d'une formation reconnue par la SAAQ et offrent un rabais pour les jeunes ayant suivi le programme complet.\"}},{\"@type\":\"Question\",\"name\":\"Est-ce que le kilom\u00e9trage annuel influence la soumission ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Plus vous roulez, plus le risque augmente. 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Le prix peut \u00eatre confirm\u00e9 ou ajust\u00e9 si certaines informations doivent \u00eatre valid\u00e9es avant l'\u00e9mission du contrat.\"}},{\"@type\":\"Question\",\"name\":\"Est-ce que l'assurance au nom des parents co\u00fbte moins cher ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Parfois, mais il faut d\u00e9clarer correctement qui est conducteur principal. Les fausses d\u00e9clarations peuvent entra\u00eener un refus de r\u00e9clamation.\"}},{\"@type\":\"Question\",\"name\":\"Si je passe de 250 $ \u00e0 1 000 $ de franchise, est-ce que \u00e7a r\u00e9duit le prix ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, \u00e7a peut baisser la prime de 10 \u00e0 20 %, mais augmente votre exposition. V\u00e9rifiez que vous pouvez assumer 1 000 $ en cas de sinistre.\"}},{\"@type\":\"Question\",\"name\":\"Est-ce qu'Assur360 est disponible partout au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Assur360 dessert l'ensemble du Qu\u00e9bec, en ligne et par t\u00e9l\u00e9phone. Disponible \u00e0 Montr\u00e9al, Qu\u00e9bec, Laval, Gatineau, Trois-Rivi\u00e8res, Saguenay, Sherbrooke, Longueuil et en r\u00e9gion.\"}}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Moins de 25 ans \u00b7 2026 Assurance auto jeune conducteur au Qu\u00e9bec Des primes comp\u00e9titives adapt\u00e9es \u00e0 votre profil. Obtenez une soumission [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":23256,"parent":15612,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Young Driver Car Insurance Quebec 2026: Pricing and Quote","_seopress_titles_desc":"Young driver in Quebec? Save on your car insurance: 9+ insurers compared, telematics discount, multi-policy.  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