{"id":35370,"date":"2026-03-19T09:32:54","date_gmt":"2026-03-19T13:32:54","guid":{"rendered":"https:\/\/www.assur360.ca\/car-insurance-3-minute-quote\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/"},"modified":"2026-04-06T12:32:20","modified_gmt":"2026-04-06T16:32:20","slug":"2026-car-insurance-guide-in-quebec-everything-you-need-to-know","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/","title":{"rendered":"Car Insurance Guide 2026: Rates, Trends  Tips | Quebec"},"content":{"rendered":"<p style=\"font-size: 17px; line-height: 1.8; color: #334155;\">The year 2026 brings its share of changes in the world of car insurance in Quebec. Between the rising cost of parts, the explosion of electric vehicles and new telematics practices, your premium has never fluctuated so much from one insurer to another. This guide takes stock of <strong>what is really changing in 2026<\/strong> and how to take advantage of it.  <\/p>\n<p><!-- CTA #1 --><\/p>\n<div style=\"background: linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%); border-radius: 16px; padding: 40px; text-align: center; margin: 32px 0;\">\n<p style=\"color: #10c4c7; font-weight: bold; font-size: 14px; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 8px;\">2026 edition<\/p>\n<h3 style=\"color: white; font-size: 22px; margin-bottom: 8px;\">Has your premium been on trend?<\/h3>\n<p style=\"color: #94a3b8; margin-bottom: 24px;\">Compare your current price with quotes from 9 Quebec insurers. Result in 3 minutes. <\/p>\n<p><a style=\"background: #10c4c7; color: white; padding: 16px 48px; border-radius: 30px; text-decoration: none; font-weight: bold; font-size: 18px; display: inline-block;\" href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-2\/\">Check My Price 2026<\/a><\/p>\n<\/div>\n<p><!-- ============================================================ --><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/#What-changes-in-2026-for-Quebec-motorists\" >What changes in 2026 for Quebec motorists<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/#How-much-do-you-really-pay-in-2026-Figures-by-profile\" >How much do you really pay in 2026? Figures by profile<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/#The-premium-map-the-most-and-cheapest-regions-in-2026\" >The premium map: the most and cheapest regions in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/#Electric-vehicles-in-2026-the-real-portrait-of-insurance\" >Electric vehicles in 2026: the real portrait of insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/#The-5-mistakes-that-cost-the-most-in-2026\" >The 5 mistakes that cost the most in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/#2026-Quebec-Motorist-Calendar\" >2026 Quebec Motorist Calendar<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/#The-list-of-the-most-and-cheapest-vehicles-to-insure\" >The list of the most and cheapest vehicles to insure<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/#Vehicle-theft-in-Quebec-the-2024-2026-crisis\" >Vehicle theft in Quebec: the 2024-2026 crisis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/#Checklist-Are-you-properly-insured-in-2026\" >Checklist: Are you properly insured in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/#The-role-of-the-broker-vs-direct-insurance-what-to-choose-in-2026\" >The role of the broker vs. direct insurance: what to choose in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/#FAQs-%E2%80%94-2026-specific-questions\" >FAQs \u2014 2026-specific questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/#Explore-our-specialized-guides\" >Explore our specialized guides<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What-changes-in-2026-for-Quebec-motorists\"><\/span>What changes in 2026 for Quebec motorists<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Every year, several factors move the premiums. In 2026, three major trends are reshaping the landscape. <\/p>\n<h3>The soaring cost of repairs (+12% in 2 years)<\/h3>\n<p>Modern vehicles are equipped with more and more technology: ADAS sensors, 360\u00b0 cameras, parking radars, calibrated windshields. A simple fender bender, which cost $1,800 to repair in 2022, can now exceed <strong>$4,500<\/strong> when it comes to recalibrating the driver assistance systems. The Groupement des assureurs automobiles (GAA) reports an average increase of 12% in the cost of material claims since 2024. As a result, the premiums follow.   <\/p>\n<h3>The SAAQ increases insurance contributions in 2026<\/h3>\n<p>The Soci\u00e9t\u00e9 de l&#8217;assurance automobile du Qu\u00e9bec has announced an adjustment to its insurance contribution grid, effective since January 2026. For a standard passenger vehicle, the increase represents about <strong>$15 to $30 per year<\/strong> depending on the engine capacity. This increase, separate from your private insurance, reflects the increase in compensation costs for bodily injury. Remember: the SAAQ portion (injuries) and the private portion (property damage) are two separate bills.   <\/p>\n<h3>Telematics is gaining ground<\/h3>\n<p>In 2026, at least <strong>4 Quebec insurers<\/strong> now offer telematics programs (OBD box or mobile application) that analyze your driving habits. If you drive carefully \u2014 gentle braking, respect for limits, little night driving \u2014 you can get a <strong>10% to 25% discount<\/strong> on your premium. This is new in Quebec and it&#8217;s worth asking your broker if your profile would benefit from it.  <\/p>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-much-do-you-really-pay-in-2026-Figures-by-profile\"><\/span>How much do you really pay in 2026? Figures by profile <span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>GPAs don&#8217;t mean much \u2014 your premium depends on <em>who<\/em> you are. Here are realistic ranges based on quotes processed by our broker partners in Q1 2026. <\/p>\n<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;\">Profile<\/th>\n<th style=\"padding: 12px; text-align: center; border: 1px solid #1e3a4f;\">Annual<\/th>\n<p> premium<\/p>\n<th style=\"padding: 12px; text-align: left; border: 1px solid #1e3a4f;\">What causes the price to vary<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 12px; font-weight: 600;\">Young driver (18-24 years old)<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #ef4444;\">$1,800 \u2014 $<\/td>\n<p>3,600<\/p>\n<td style=\"padding: 12px;\">Vehicle type, primary vs. secondary driver, driving lessons<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0; background: #f8fafc;\">\n<td style=\"padding: 12px; font-weight: 600;\">Adult 25-40 years old, good record<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #f59e0b;\">$850 \u2014 $<\/td>\n<p>1,400<\/p>\n<td style=\"padding: 12px;\">Region, annual mileage, self-housing group<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 12px; font-weight: 600;\">Family 40-60 years old, 2 vehicles<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #10b981;\">$700 \u2014 $1,100\/veh.<\/td>\n<td style=\"padding: 12px;\">Claims history, vehicle type, multi-vehicle discounts<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0; background: #f8fafc;\">\n<td style=\"padding: 12px; font-weight: 600;\">Retired 65+, low mileage<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #10b981;\">$550 \u2014 $<\/td>\n<p>900<\/p>\n<td style=\"padding: 12px;\">Mileage &lt; 10,000 km, garage, no claims 6+ years<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 12px; font-weight: 600;\">Driver at risk (offences\/claims)<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #ef4444;\">$2,200 \u2014 $5,000+<\/td>\n<td style=\"padding: 12px;\">Number of offences, type of claims, age of the case<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0; background: #f8fafc;\">\n<td style=\"padding: 12px; font-weight: 600;\">Electric vehicle (Tesla, Hyundai, etc.)<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #f59e0b;\">$1,000 \u2014 $<\/td>\n<p>2,200<\/p>\n<td style=\"padding: 12px;\">Battery cost, parts availability, vehicle value<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Notable fact:<\/strong> The difference between the best and worst price for the same profile can be as high as <strong>40% to 60%.<\/strong> That&#8217;s why comparing at least 3 insurers isn&#8217;t trivial advice \u2014 it&#8217;s literally hundreds of dollars of difference. <\/p>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The-premium-map-the-most-and-cheapest-regions-in-2026\"><\/span>The premium map: the most and cheapest regions in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Your postal code is one of the three most important factors in your premium, along with your driving record and your vehicle. Here&#8217;s how the regions compare. <\/p>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px; margin: 24px 0;\">\n<div style=\"background: #fef2f2; border: 1px solid #fecaca; border-radius: 12px; padding: 20px;\">\n<div style=\"font-size: 14px; font-weight: bold; color: #991b1b; margin-bottom: 4px;\">Most expensive<\/div>\n<ul style=\"margin: 8px 0 0 16px; font-size: 14px; color: #334155; line-height: 1.8;\">\n<li><strong>Montreal North \/ St-L\u00e9onard<\/strong> \u2014 among the highest premiums in the country (theft, density)<\/li>\n<li><strong>Laval<\/strong> \u2014 high accident rate at intersections<\/li>\n<li><strong>Longueuil \/ Brossard<\/strong> \u2014 volume of commuters<\/li>\n<li><strong>Gatineau<\/strong> \u2014 Above-average claims statistics<\/li>\n<\/ul>\n<\/div>\n<div style=\"background: #f0fdf4; border: 1px solid #bbf7d0; border-radius: 12px; padding: 20px;\">\n<div style=\"font-size: 14px; font-weight: bold; color: #166534; margin-bottom: 4px;\">The cheapest<\/div>\n<ul style=\"margin: 8px 0 0 16px; font-size: 14px; color: #334155; line-height: 1.8;\">\n<li><strong>Bas-Saint-Laurent<\/strong> \u2014 low density, few flights<\/li>\n<li><strong>Saguenay\u2013Lac-Saint-Jean<\/strong> \u2014 stable communities<\/li>\n<li><strong>Abitibi-T\u00e9miscamingue<\/strong> \u2014 Wide roads, less traffic<\/li>\n<li><strong>Gasp\u00e9sie<\/strong> \u2014 among the lowest premiums in Quebec<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>A Montreal driver who moves to Saguenay can see his premium drop by <strong>30% to 45%<\/strong> overnight, without changing vehicles or coverage. The reverse is also true \u2014 if you&#8217;re moving to an urban area, expect an increase. <\/p>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Electric-vehicles-in-2026-the-real-portrait-of-insurance\"><\/span>Electric vehicles in 2026: the real portrait of insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>With more than <strong>250,000 EVs<\/strong> registered in Quebec in 2026, the question keeps coming up: is it more expensive to insure? The answer is nuanced. <\/p>\n<h3>Why EVs Cost More To Insure<\/h3>\n<ul>\n<li><strong>Battery Cost:<\/strong> A Tesla Model 3 battery replacement costs between $15,000 and $22,000. A simple impact to the rocker panel can damage the battery and turn a minor snag into a total loss. <\/li>\n<li><strong>Specialized parts:<\/strong> Aluminum bodies, integrated motors and regenerative braking systems require certified, rarer and more expensive workshops.<\/li>\n<li><strong>Value of the vehicle:<\/strong> A new EV costs an average of $15,000 more than its gasoline-powered equivalent. The premium follows the insured value. <\/li>\n<\/ul>\n<h3>How to save on EV insurance<\/h3>\n<ul>\n<li><strong>Eco-friendly discount:<\/strong> At least 3 Quebec insurers (Desjardins, Intact, Promutuel) offer discounts of 5 to 10% for EVs.<\/li>\n<li><strong>Strategic FAQ 43 Amendment:<\/strong> On a $55,000 EV, the replacement cost endorsement is almost essential for the first 4 years. After that, the depreciated value approaches the threshold where it becomes less profitable. <\/li>\n<li><strong>Higher deductible:<\/strong> Going from $500 to $1,000 can save 15 to 20 per cent on the collision portion, which is $200 to $350 per year on an EV.<\/li>\n<li><strong>Telematics:<\/strong> EV drivers tend to drive more carefully (controlled acceleration, regenerative braking). A telematics program can translate this into a concrete discount. <\/li>\n<\/ul>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The-5-mistakes-that-cost-the-most-in-2026\"><\/span>The 5 mistakes that cost the most in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>After analyzing thousands of quotes, our brokers observe the same mistakes coming back constantly. Here are the ones that burn the most money. <\/p>\n<h3>1. Renew without comparing<\/h3>\n<p>This is mistake #1. Your current insurer does not automatically offer you the best price at renewal. Insurers adjust their schedules every quarter \u2014 the one that was the cheapest last year may no longer be so. <strong>42% of Quebecers<\/strong> have never shopped for their car insurance (source: AMF, 2024 survey). Every year that you don&#8217;t compare, you&#8217;re potentially leaving $200 to $600 on the table.   <\/p>\n<h3>2. Underinsuring your civil liability<\/h3>\n<p>The legal minimum of $50,000 is a trap. An accident involving a luxury SUV or damage to a business can easily exceed $200,000. The difference in premium between $50,000 and $2,000,000 in coverage is often <strong>only $50 to $100 per year<\/strong>. It&#8217;s the best value for your entire policy.   <\/p>\n<h3>3. Keep FAQ 43 on an 8-year-old vehicle<\/h3>\n<p>The replacement cost endorsement is great for the first few years, but it becomes a waste when your vehicle has lost 60-70% of its value. On a 2018 Corolla that&#8217;s now worth $12,000, the FAQ 43 costs you $150 to $250 per year for protection that will probably never serve you. Ask your broker to do the math.  <\/p>\n<h3>4. Skip grouping<\/h3>\n<p>Combining your home and auto insurance with the same insurer gives you a <strong>5% to 15%<\/strong> discount on each policy. On a typical household, that&#8217;s $150 to $400 in savings per year. If you add a 2nd vehicle, the multi-car discount is cumulative. However, 1 in 3 Quebecers have their separate insurance policies with different insurers.   <\/p>\n<h3>5. Not declaring a change in situation<\/h3>\n<p>Moving, working from home permanently, retirement, changing vehicles \u2014 all of this can lower <em>or<\/em> increase your premium. The problem: If you don&#8217;t report the change and you have a claim, your insurer may <strong>reduce your compensation<\/strong> or deny the claim for misrepresentation. Call your broker as soon as a change occurs.  <\/p>\n<p><!-- CTA #2 --><\/p>\n<div style=\"background: #f0fdfa; border: 2px solid #10c4c7; border-radius: 16px; padding: 32px; text-align: center; margin: 32px 0;\">\n<h3 style=\"color: #0d1f2d; font-size: 22px; margin-bottom: 8px;\">Do you make any of these 5 mistakes?<\/h3>\n<p style=\"color: #334155; margin-bottom: 24px;\">An Assur360 broker can analyze your current policy and identify your potential savings. Free. <\/p>\n<p><a style=\"background: #10c4c7; color: white; padding: 14px 40px; border-radius: 30px; text-decoration: none; font-weight: bold; font-size: 16px; display: inline-block;\" href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-2\/\">Have my policy analyzed<\/a><\/p>\n<\/div>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"2026-Quebec-Motorist-Calendar\"><\/span>2026 Quebec Motorist Calendar<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Certain dates have a direct impact on your insurance. Put them in your diary. <\/p>\n<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;\">Period<\/th>\n<th style=\"padding: 12px; text-align: left; border: 1px solid #1e3a4f;\">Event<\/th>\n<th style=\"padding: 12px; text-align: left; border: 1px solid #1e3a4f;\">Impact on your insurance<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 10px; font-weight: 600;\">January<\/td>\n<td style=\"padding: 10px;\">New SAAQ contributions in effect<\/td>\n<td style=\"padding: 10px;\">+$15 to $30 on your registration<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0; background: #f8fafc;\">\n<td style=\"padding: 10px; font-weight: 600;\">March<\/td>\n<td style=\"padding: 10px;\">End of SAAQ renewal (March wave)<\/td>\n<td style=\"padding: 10px;\">A good time to shop \u2014 brokers are less busy<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 10px; font-weight: 600;\">March<\/td>\n<p> 15<\/p>\n<td style=\"padding: 10px;\">End of the winter<\/td>\n<p> tire requirement<\/p>\n<td style=\"padding: 10px;\">Check if your insurer offers a &#8220;year-round winter tire&#8221; discount<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0; background: #f8fafc;\">\n<td style=\"padding: 10px; font-weight: 600;\">April\u2013May<\/td>\n<td style=\"padding: 10px;\">Pothole<\/td>\n<p> season<\/p>\n<td style=\"padding: 10px;\">Suspension and rim breakage \u2014 covered by the B1 if you have it<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 10px; font-weight: 600;\">June\u2013August<\/td>\n<td style=\"padding: 10px;\">Thunderstorm and hail<\/td>\n<p> season<\/p>\n<td style=\"padding: 10px;\">Hail damage covered by B2, not B1<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0; background: #f8fafc;\">\n<td style=\"padding: 10px; font-weight: 600;\">September<\/td>\n<td style=\"padding: 10px;\">Back to school \u2014 increase in school<\/td>\n<p> traffic<\/p>\n<td style=\"padding: 10px;\">Period at risk for claims \u2014 be vigilant<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 10px; font-weight: 600;\">October<\/td>\n<td style=\"padding: 10px;\">Deer Collisions (Fall Rut)<\/td>\n<td style=\"padding: 10px;\">Covered by the B2 (not the B1!) \u2014 check your coverage<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0; background: #f8fafc;\">\n<td style=\"padding: 10px; font-weight: 600;\">December<\/td>\n<p> 1<\/p>\n<td style=\"padding: 10px;\">Winter tires required<\/td>\n<td style=\"padding: 10px;\">$200\u2013$300 fine without compliant tires; some insurers penalize<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 10px; font-weight: 600;\">30-60 days before your renewal<\/td>\n<td style=\"padding: 10px;\">Ideal window for shopping<\/td>\n<td style=\"padding: 10px;\">Ask for comparative quotes \u2014 you have time to decide<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The-list-of-the-most-and-cheapest-vehicles-to-insure\"><\/span>The list of the most and cheapest vehicles to insure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The vehicle you choose has a direct influence on your premium. Here are the trends observed in 2026 in Quebec. <\/p>\n<h3>The cheapest to insure<\/h3>\n<div style=\"background: #f0fdf4; border-radius: 12px; padding: 20px; margin: 16px 0;\">\n<ul style=\"margin: 0; font-size: 14px; line-height: 2;\">\n<li><strong>Toyota Corolla \/ Camry<\/strong> \u2014 legendary reliability, abundant and affordable parts<\/li>\n<li><strong>Honda Civic (older models)<\/strong> \u2014 warning: newer models cost more because of ADAS sensors<\/li>\n<li><strong>Mazda3<\/strong> \u2014 low claim rate, good safety rating<\/li>\n<li><strong>Subaru Impreza<\/strong> \u2014 4WD without the SUV overload<\/li>\n<li><strong>Hyundai Elantra<\/strong> \u2014 affordable, but check the theft rate of your model year<\/li>\n<\/ul>\n<\/div>\n<h3>The most expensive to insure<\/h3>\n<div style=\"background: #fef2f2; border-radius: 12px; padding: 20px; margin: 16px 0;\">\n<ul style=\"margin: 0; font-size: 14px; line-height: 2;\">\n<li><strong>BMW 3\/4 Series, Mercedes C-Class<\/strong> \u2014 Imported Parts, Skilled Labour<\/li>\n<li><strong>Tesla Model 3\/Y<\/strong> \u2014 expensive battery, repairs limited to the Tesla network<\/li>\n<li><strong>Dodge Charger \/ Challenger<\/strong> \u2014 high power = high risk profile<\/li>\n<li><strong>Hyundai Tucson \/ Santa Fe (2021-2024)<\/strong> \u2014 theft rate on the rise (Kia\/Hyundai flaw)<\/li>\n<li><strong>Jeep Wrangler<\/strong> \u2014 High rollover rate and repair cost<\/li>\n<\/ul>\n<\/div>\n<p><strong>Tip:<\/strong> Before you buy a vehicle, ask for an insurance quote. The difference in premium between two vehicles of the same price can be as high as <strong>$800 per year<\/strong>. A $3,000 discount on the purchase price is quickly wiped out if the insurance costs $800 more each year.  <\/p>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Vehicle-theft-in-Quebec-the-2024-2026-crisis\"><\/span>Vehicle theft in Quebec: the 2024-2026 crisis<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vehicle theft has become a major issue in Canada and Quebec is no exception. International export networks are particularly targeting popular SUVs and pickups. <\/p>\n<h3>The most stolen vehicles in Quebec in 2025-2026<\/h3>\n<ol>\n<li>Honda CR-V (2020-2024)<\/li>\n<li>Toyota Highlander (2020-2024)<\/li>\n<li>Lexus RX (2020-2024)<\/li>\n<li>Ford F-150 (2019-2024)<\/li>\n<li>Toyota RAV4 (2021-2024)<\/li>\n<li>Range Rover \/ Range Rover Sport<\/li>\n<li>Dodge RAM 1500 (2019-2024)<\/li>\n<li>Hyundai Tucson (2021-2024)<\/li>\n<\/ol>\n<p>If your vehicle is on this list, expect a <strong>10% to 30% surcharge<\/strong> on your premium. Here&#8217;s how to limit the impact: <\/p>\n<ul>\n<li><strong>Aftermarket anti-theft system:<\/strong> A certified TAG Tracking or LoJack device can give you a 5-15% discount and most importantly deter theft.<\/li>\n<li><strong>OBD Port Blocker:<\/strong> Thieves use devices that plug into the OBD port to reprogram keys. A physical blocker costs $150 to $300 and blocks this technique. <\/li>\n<li><strong>Indoor parking:<\/strong> A garage reduces the risk of theft and lowers your premium. Some insurers require it for high-risk vehicles. <\/li>\n<li><strong>Surveillance camera:<\/strong> No direct discount, but help with recovery and claim processing.<\/li>\n<\/ul>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Checklist-Are-you-properly-insured-in-2026\"><\/span>Checklist: Are you properly insured in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Take 5 minutes to check these points. If you answer &#8220;no&#8221; or &#8220;don&#8217;t know&#8221; to more than two questions, it&#8217;s time to review your coverage. <\/p>\n<div style=\"background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 12px; padding: 24px; margin: 24px 0;\">\n<ul style=\"list-style: none; margin: 0; padding: 0; font-size: 15px; line-height: 2.2;\">\n<li>\u2610 My liability is at least <strong>$1,000,000<\/strong> ($2,000,000 if I travel to the United States)<\/li>\n<li>\u2610 My FAQ 43 endorsement is still relevant for the age of my vehicle<\/li>\n<li>\u2610 I have an endorsement FAQ 20 (replacement vehicle) if I depend on my car on a daily basis<\/li>\n<li>\u2610 My deductible is at a level I can afford to pay tomorrow morning<\/li>\n<li>\u2610 I have informed my insurer of any changes (address, teleworking, mileage, drivers)<\/li>\n<li>\u2610 My home and car insurance are with the same insurer (or I checked that it&#8217;s cheaper separately)<\/li>\n<li>\u2610 I have compared at least 3 submissions in the last 12 months<\/li>\n<li>\u2610 I have a blank joint report in my glove compartment<\/li>\n<li>\u2610 My vehicle has an anti-theft device if it is a risky model<\/li>\n<li>\u2610 I know the exact date of my renewal (and I shop 30-60 days before)<\/li>\n<\/ul>\n<\/div>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The-role-of-the-broker-vs-direct-insurance-what-to-choose-in-2026\"><\/span>The role of the broker vs. direct insurance: what to choose in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In 2026, you have two ways to buy your car insurance in Quebec. Both are legitimate, but they are not equal for everyone. <\/p>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; margin: 24px 0;\">\n<div style=\"background: white; border: 2px solid #10c4c7; border-radius: 12px; padding: 24px;\">\n<div style=\"font-size: 16px; font-weight: bold; color: #0d1f2d; margin-bottom: 12px;\">Property and Casualty Insurance Broker<\/div>\n<ul style=\"font-size: 14px; line-height: 1.9; color: #334155; margin: 0; padding-left: 20px;\">\n<li>Compare prices from <strong>multiple insurers<\/strong> for you<\/li>\n<li>Represents <em>you<\/em>, not the insurer<\/li>\n<li>Expertise for complex profiles (background, special vehicles, companies)<\/li>\n<li>Claims assistance \u2014 advocates for you<\/li>\n<li>Free for the consumer<\/li>\n<\/ul>\n<p style=\"font-size: 13px; color: #10c4c7; font-weight: 600; margin-top: 12px;\">Ideal if: you want the best price without doing the work yourself<\/p>\n<\/div>\n<div style=\"background: white; border: 1px solid #e2e8f0; border-radius: 12px; padding: 24px;\">\n<div style=\"font-size: 16px; font-weight: bold; color: #0d1f2d; margin-bottom: 12px;\">Direct insurer (Belair, The Personal, etc.)<\/div>\n<ul style=\"font-size: 14px; line-height: 1.9; color: #334155; margin: 0; padding-left: 20px;\">\n<li>One insurer \u2014 one price<\/li>\n<li>Represents the insurer, not you<\/li>\n<li>Processes that are often 100% online<\/li>\n<li>Can be competitive for simple, uneventful profiles<\/li>\n<li>No automatic comparison<\/li>\n<\/ul>\n<p style=\"font-size: 13px; color: #64748b; font-weight: 600; margin-top: 12px;\">Ideal if: you have a simple profile and want to manage 100% online<\/p>\n<\/div>\n<\/div>\n<p>Our recommendation: <strong>start with a broker<\/strong>. Get the best price on the market, then check to see if your direct insurer can beat that price.  You&#8217;ll always have a solid point of comparison.<\/p>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs-%E2%80%94-2026-specific-questions\"><\/span>FAQs \u2014 2026-specific questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">Will car insurance premiums increase in 2026 in Quebec?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>The overall trend is moderately upward from 3% to 7% in 2026, mainly due to the increase in the cost of repairs and parts. However, this increase is not uniform: low-risk profiles with a good record could see their premiums remain stable, while owners of frequently stolen vehicles (CR-V, Highlander) could see increases of 15% or more. Comparing remains the best way to counter the trend.  <\/p>\n<\/div>\n<\/details>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">Is telematics worth it in 2026?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>If you&#8217;re a careful driver who mostly drives during the day, yes. Quebec insurers&#8217; telematics programs offer discounts of 10% to 25% based on your actual habits. The trade-off: you share your driving data (speed, braking, hours). For an average driver, that&#8217;s $100 to $300 in savings per year. Ask your broker which insurers offer this option.    <\/p>\n<\/div>\n<\/details>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">Does my Hyundai\/Kia cost more to insure because of thefts?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>Hyundai and Kia models manufactured between 2015 and 2024 without a standard electronic immobilizer have been massively targeted by thieves (the &#8220;Kia Challenge&#8221; on TikTok). Insurers have reacted with surcharges of 10% to 25% on these models. If your vehicle is affected, Hyundai and Kia offer a free anti-theft kit in some cases. Installing this kit can help negotiate a better rate.   <\/p>\n<\/div>\n<\/details>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">Is it true that teleworking lowers my premium?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>Yes, in most cases. If you&#8217;ve switched to permanent or hybrid telecommuting (3+ days\/week at home), your annual mileage has likely decreased. Switch from &#8220;daily commute&#8221; to &#8220;pleasure\/casual use&#8221; in your policy and you could save 10% to 20%. Attention: declare your mileage honestly. If you have a claim and your actual mileage is much higher than declared, this could be a problem.    <\/p>\n<\/div>\n<\/details>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">Do I need special insurance for ADAS (driver assistance) systems?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>No, there is no special insurance for ADAS, but these systems influence your premium. Recalibrating sensors after a windshield replacement can cost an additional $500 to $1,500. Make sure your B2 (all-risk) coverage is sufficient to cover these costs. Paradoxically, ADAS reduces the risk of accidents but increases the cost per claim.   <\/p>\n<\/div>\n<\/details>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">How does inflation affect my compensation in the event of a total loss?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>Good news for 2026: rising used vehicle prices mean that the market value of your vehicle is likely higher than it was before the pandemic. In the event of a total loss, you will receive the current market value (or replacement cost if you have FAQ 43). However, this same inflation means that replacing your vehicle will also cost more. Check that the amount of insurance on your policy reflects the true value of your vehicle.   <\/p>\n<\/div>\n<\/details>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">When is the best time to shop for car insurance in 2026?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>Start comparing 30-60 days before your renewal date. This gives you time to receive multiple quotes and negotiate. Avoid shopping too early (prices change every quarter) or too late (less than 2 weeks before, you will be in a hurry and may accept a suboptimal price). Most insurers send the renewal notice 45 days in advance \u2014 that&#8217;s your signal to start with.   <\/p>\n<\/div>\n<\/details>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">Will self-driving cars change anything in 2026?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>Not yet in Quebec. No truly autonomous vehicles (level 4 or 5) are allowed on Quebec roads in 2026. Current systems (Tesla Autopilot, GM Super Cruise) are Level 2 \u2014 the driver remains responsible at all times. Your standard car insurance applies as normal. When autonomous vehicles arrive, the responsibility could shift from the driver to the manufacturer, which would fundamentally change the insurance model.    <\/p>\n<\/div>\n<\/details>\n<\/div>\n<p><!-- CTA FINAL --><\/p>\n<div style=\"background: linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%); border-radius: 16px; padding: 48px 32px; text-align: center; margin: 40px 0;\">\n<h3 style=\"color: white; font-size: 26px; margin-bottom: 12px;\">Your guide is read. Take action. <\/h3>\n<p style=\"color: #94a3b8; margin-bottom: 8px; font-size: 16px;\">Compare prices from 9 Quebec insurers certified by AMF. In 3 minutes, you&#8217;ll know how much you can save. <\/p>\n<p style=\"color: #10c4c7; margin-bottom: 24px; font-size: 14px; font-weight: 600;\">Average savings from our clients: $400 per year<\/p>\n<p><a style=\"background: #10c4c7; color: white; padding: 18px 56px; border-radius: 30px; text-decoration: none; font-weight: bold; font-size: 20px; display: inline-block;\" href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-2\/\">Compare my prices 2026<\/a><\/p>\n<\/div>\n<p><!-- Liens internes --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Explore-our-specialized-guides\"><\/span>Explore our specialized guides<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 16px; margin: 24px 0;\">\n<div style=\"font-size: 15px; font-weight: bold; color: #0d1f2d; margin-bottom: 4px;\">Car insurance<\/div>\n<div style=\"font-size: 13px; color: #64748b;\">Our main page with detailed covers.<\/div>\n<div style=\"font-size: 15px; font-weight: bold; color: #0d1f2d; margin-bottom: 4px;\">Home insurance<\/div>\n<div style=\"font-size: 13px; color: #64748b;\">Protect your home and bundle to save.<\/div>\n<div style=\"font-size: 15px; font-weight: bold; color: #0d1f2d; margin-bottom: 4px;\">2nd chance car<\/div>\n<div style=\"font-size: 13px; color: #64748b;\">Solutions for drivers with a difficult history.<\/div>\n<div style=\"font-size: 15px; font-weight: bold; color: #0d1f2d; margin-bottom: 4px;\">Young drivers<\/div>\n<div style=\"font-size: 13px; color: #64748b;\">Tips to pay less at 16-24 years old.<\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Combien co\u00fbte une assurance auto au Qu\u00e9bec en 2026 ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Le co\u00fbt moyen d'une assurance auto au Qu\u00e9bec se situe entre 600 $ et 2 000 $ par ann\u00e9e. Le prix d\u00e9pend de votre \u00e2ge, exp\u00e9rience de conduite, type de v\u00e9hicule, emplacement et protections choisies. Obtenez votre soumission gratuite en quelques minutes.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quelles sont les protections d'assurance auto recommand\u00e9es au Qu\u00e9bec ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Outre la responsabilit\u00e9 civile obligatoire, il est recommand\u00e9 d'ajouter la collision, les risques complets (vol, vandalisme, intemp\u00e9ries), la valeur \u00e0 neuf (v\u00e9hicule r\u00e9cent), l'assistance routi\u00e8re et l'avenant FAQ 43a pour les dommages non assur\u00e9s.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Comment r\u00e9duire le co\u00fbt de son assurance auto au Qu\u00e9bec ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Pour payer moins cher : comparez au moins 3 soumissions, regroupez auto + habitation, augmentez la franchise, maintenez un bon dossier de conduite, et demandez les rabais disponibles (antivol, pneus d'hiver, faible kilom\u00e9trage). Un courtier peut n\u00e9gocier pour vous.\"\n      }\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Complete guide to car insurance in Quebec 2026: mandatory coverage, average prices, endorsements FAQ 43, tips to save. Compare 9 AMF-certified insurers in 3 minutes. <\/p>\n","protected":false},"author":49,"featured_media":45777,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Quebec Car Insurance Guide 2026: Rates, Trends & Tips","_seopress_titles_desc":"Discover the trends in car insurance in Quebec in 2026. Save with telematics and compare prices from 9 insurers in 3 minutes. 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