What is the average price of car insurance in Quebec?<\/strong><\/summary>\nIn 2026, the average price of car insurance in Quebec is between $700 and $2,000 per year<\/strong> for the private portion (property damage), to which is added the contribution to the SAAQ for bodily injury. This amount varies greatly depending on your age, driving record, region, and vehicle type. Young drivers under the age of 25 can pay up to $3,600 per year, while an experienced driver without a claim can get away with less than $700. Our Assur360 brokers compare several insurers to find you the best price. <\/p>\n<\/details>\n\nWhat factors influence the price of my car insurance?<\/strong><\/summary>\nThe main factors that determine your premium are: your age and experience<\/strong> (young people pay more), your driving record<\/strong> (infractions, past claims), your region<\/strong> (Montreal is more expensive than rural areas), the type and value of your vehicle<\/strong>, the annual mileage<\/strong>, and the coverage you choose<\/strong> (collision, all-risk, replacement cost). Bundling your car and home insurance with the same insurer often saves you 10% to 20%. <\/p>\n<\/details>\n\nDoes the SAAQ cover all accidents?<\/strong><\/summary>\nNo. The SAAQ (Soci\u00e9t\u00e9 de l’assurance automobile du Qu\u00e9bec) only covers bodily injuries<\/strong> sustained in a road accident, regardless of the fault. However, it does not cover property damage<\/strong> to your vehicle or your liability for damage to other vehicles or property. This is why you must take out private insurance. Your Assur360 broker can explain the difference and make sure you’re covered on both sides. <\/p>\n<\/details>\n\nWhat is the difference between collision and comprehensive insurance?<\/strong><\/summary>\nCollision insurance<\/strong> covers damage to your vehicle caused by a collision with another object (car, pole, railman), regardless of who is at fault. Comprehensive perils<\/strong> (or “all-perils”) cover damage not related to a collision: theft, vandalism, bad weather (hail, flood, fallen tree), glass breakage, fire and impact with an animal. For a new or valuable vehicle, our brokers generally recommend both types of coverage combined. <\/p>\n<\/details>\n\nIs it possible to insure a car with a criminal record or a bad record?<\/strong><\/summary>\nYes, it is possible, but the options are more limited and the premiums are higher. Standard insurers may refuse your file, but there are insurers specializing in substandard<\/strong> insurance that accept high-risk profiles (infractions, multiple claims, DUI, licence suspension). Assur360 works with several partners in this niche. A broker can assess your situation and find the best option available. <\/p>\n<\/details>\n\n