{"id":60466,"date":"2026-04-29T00:06:17","date_gmt":"2026-04-29T04:06:17","guid":{"rendered":"https:\/\/www.assur360.ca\/assur360-simulators-free-tools-for-your-financial-decisions\/true-5-year-cost-of-vehicle-ownership-quebec-calculator-2026\/"},"modified":"2026-04-29T00:06:29","modified_gmt":"2026-04-29T04:06:29","slug":"true-5-year-cost-of-vehicle-ownership-quebec-calculator-2026","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/true-5-year-cost-of-vehicle-ownership-quebec-calculator-2026\/","title":{"rendered":"True 5-Year Cost of Vehicle Ownership | Quebec Calculator 2026"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}\n.vtco-wrap *{box-sizing:border-box}\n.vtco-wrap{font-family:'DM Sans',system-ui,sans-serif;background:#ffffff;border:1px solid #e2e8f0;border-radius:16px;margin:32px 0;overflow:hidden;box-shadow:0 20px 60px -20px rgba(13,31,45,.15)}\n.vtco-head{background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:32px;color:#fff;text-align:center}\n.vtco-head .badge{display:inline-block;background:rgba(16,196,199,.15);color:#10c4c7;padding:6px 14px;border-radius:20px;font-size:12px;font-weight:700;letter-spacing:1px;text-transform:uppercase;margin-bottom:14px}\n.vtco-head h3{color:#fff;font-size:28px;margin:0 0 8px;font-weight:800;line-height:1.2}\n.vtco-head p{color:#94a3b8;margin:0;font-size:15px}\n.vtco-cols{display:grid;grid-template-columns:1fr 1fr;gap:0}\n.vtco-col{padding:28px}\n.vtco-col.A{background:#f8fafc;border-right:1px solid #e2e8f0}\n.vtco-col.B{background:#ffffff}\n.vtco-col h4{color:#0d1f2d;font-size:17px;margin:0 0 18px;padding-bottom:10px;border-bottom:3px solid #10c4c7;display:flex;align-items:center;gap:10px}\n.vtco-col h4 input{flex:1;border:0;background:transparent;font-size:17px;font-weight:700;color:#0d1f2d;font-family:inherit}\n.vtco-col h4 input:focus{outline:1px dashed #10c4c7;border-radius:4px}\n.vtco-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}\n.vtco-field.full{grid-column:1\/-1}\n.vtco-field label{display:block;color:#334155;font-size:12px;font-weight:600;margin-bottom:5px}\n.vtco-field .hint{color:#94a3b8;font-weight:400;font-size:11px;margin-left:5px}\n.vtco-field input,.vtco-field select{width:100%;padding:9px 11px;border:1px solid #e2e8f0;border-radius:7px;font-size:13px;color:#0d1f2d;background:#fff}\n.vtco-field input:focus,.vtco-field select:focus{outline:none;border-color:#10c4c7;box-shadow:0 0 0 3px rgba(16,196,199,.15)}\n.vtco-shared{background:#f0fdfa;padding:24px 28px;border-top:1px solid #e2e8f0;border-bottom:1px solid #e2e8f0;display:grid;grid-template-columns:repeat(4,1fr);gap:14px}\n.vtco-shared .vtco-field input{padding:8px 10px}\n.vtco-summary{padding:28px;background:#0d1f2d;color:#fff;display:grid;grid-template-columns:1fr 1fr;gap:24px}\n.vtco-side h5{color:#10c4c7;margin:0 0 14px;font-size:13px;text-transform:uppercase;letter-spacing:1.5px;font-weight:700}\n.vtco-bigtotal{text-align:center;padding:16px 0;border-bottom:1px solid rgba(255,255,255,.08);margin-bottom:6px}\n.vtco-bigtotal .lbl{color:#94a3b8;font-size:11px;text-transform:uppercase;letter-spacing:1px}\n.vtco-bigtotal .val{color:#fff;font-size:30px;font-weight:800;font-variant-numeric:tabular-nums;margin-top:2px;line-height:1}\n.vtco-row{display:flex;justify-content:space-between;padding:7px 0;font-size:13px;border-bottom:1px solid rgba(255,255,255,.05)}\n.vtco-row:last-of-type{border-bottom:0}\n.vtco-row .lbl{color:#94a3b8}\n.vtco-row .val{color:#fff;font-weight:600;font-variant-numeric:tabular-nums}\n.vtco-verdict{background:#1e293b;padding:22px;text-align:center;font-size:16px;color:#fff;font-weight:700}\n.vtco-verdict .winner{color:#10c4c7;font-size:22px;display:block;margin-bottom:6px}\n.vtco-cta{display:block;background:#10c4c7;color:#0d1f2d;padding:14px;border-radius:0;text-align:center;font-weight:800;text-decoration:none;font-size:14px}\n@media(max-width:800px){.vtco-cols,.vtco-summary{grid-template-columns:1fr}.vtco-col.A{border-right:0;border-bottom:1px solid #e2e8f0}.vtco-shared{grid-template-columns:1fr 1fr}}\n<\/style><div class=\"vtco-wrap\"><div class=\"vtco-head\"><span class=\"badge\">Outil gratuit \u00b7 Comparateur<\/span><h3>Vrai co\u00fbt de possession sur 5 ans \u2014 Qu\u00e9bec 2026<\/h3><p>Comparez deux v\u00e9hicules c\u00f4te \u00e0 c\u00f4te : achat, d\u00e9pr\u00e9ciation, financement, essence, assurance, entretien.<\/p><\/div><div class=\"vtco-shared\"><div class=\"vtco-field\"><label>Dur\u00e9e de possession (ann\u00e9es)<\/label><input type=\"number\" id=\"vtco-duree\" value=\"5\" step=\"1\" min=\"1\"\/><\/div><div class=\"vtco-field\"><label>Kilom\u00e9trage annuel<\/label><input type=\"number\" id=\"vtco-km\" value=\"15000\" step=\"500\"\/><\/div><div class=\"vtco-field\"><label>Prix essence ($\/L)<\/label><input type=\"number\" id=\"vtco-pess\" value=\"1.55\" step=\"0.05\"\/><\/div><div class=\"vtco-field\"><label>Prix \u00e9lectricit\u00e9 ($\/kWh)<\/label><input type=\"number\" id=\"vtco-pkwh\" value=\"0.078\" step=\"0.005\"\/><\/div><\/div><div class=\"vtco-cols\"><div class=\"vtco-col A\"><h4>\ud83d\ude97 <input type=\"text\" id=\"vtco-A-name\" value=\"V\u00e9hicule A\"\/><\/h4><div class=\"vtco-grid\"><div class=\"vtco-field full\"><label>Type carburant<\/label><select id=\"vtco-A-type\"><option value=\"essence\">Essence<\/option><option value=\"diesel\">Diesel<\/option><option value=\"hybride\">Hybride<\/option><option value=\"hybridebra\">Hybride branchable<\/option><option value=\"electrique\">\u00c9lectrique<\/option><\/select><\/div><div class=\"vtco-field\"><label>Prix d&#8217;achat ($)<\/label><input type=\"number\" id=\"vtco-A-prix\" value=\"35000\" step=\"500\"\/><\/div><div class=\"vtco-field\"><label>Valeur revente ($)<\/label><input type=\"number\" id=\"vtco-A-revente\" value=\"18000\" step=\"500\"\/><\/div><div class=\"vtco-field\"><label>Conso <span class=\"hint\">(L\/100km)<\/span><\/label><input type=\"number\" id=\"vtco-A-conso\" value=\"8.0\" step=\"0.1\"\/><\/div><div class=\"vtco-field\"><label>Assurance ($\/an)<\/label><input type=\"number\" id=\"vtco-A-assu\" value=\"1100\" step=\"50\"\/><\/div><div class=\"vtco-field\"><label>Immatriculation ($\/an)<\/label><input type=\"number\" id=\"vtco-A-immat\" value=\"370\" step=\"10\"\/><\/div><div class=\"vtco-field\"><label>Entretien ($\/an)<\/label><input type=\"number\" id=\"vtco-A-ent\" value=\"900\" step=\"50\"\/><\/div><div class=\"vtco-field\"><label>Financement \u2014 taux %<\/label><input type=\"number\" id=\"vtco-A-taux\" value=\"6.5\" step=\"0.5\"\/><\/div><div class=\"vtco-field\"><label>Mise de fonds ($)<\/label><input type=\"number\" id=\"vtco-A-mise\" value=\"5000\" step=\"500\"\/><\/div><\/div><\/div><div class=\"vtco-col B\"><h4>\ud83d\ude99 <input type=\"text\" id=\"vtco-B-name\" value=\"V\u00e9hicule B\"\/><\/h4><div class=\"vtco-grid\"><div class=\"vtco-field full\"><label>Type carburant<\/label><select id=\"vtco-B-type\"><option value=\"essence\">Essence<\/option><option value=\"diesel\">Diesel<\/option><option value=\"hybride\">Hybride<\/option><option value=\"hybridebra\">Hybride branchable<\/option><option value=\"electrique\" selected=\"selected\">\u00c9lectrique<\/option><\/select><\/div><div class=\"vtco-field\"><label>Prix d&#8217;achat ($)<\/label><input type=\"number\" id=\"vtco-B-prix\" value=\"48000\" step=\"500\"\/><\/div><div class=\"vtco-field\"><label>Valeur revente ($)<\/label><input type=\"number\" id=\"vtco-B-revente\" value=\"28000\" step=\"500\"\/><\/div><div class=\"vtco-field\"><label>Conso <span class=\"hint\">(kWh\/100km)<\/span><\/label><input type=\"number\" id=\"vtco-B-conso\" value=\"18\" step=\"0.5\"\/><\/div><div class=\"vtco-field\"><label>Assurance ($\/an)<\/label><input type=\"number\" id=\"vtco-B-assu\" value=\"1250\" step=\"50\"\/><\/div><div class=\"vtco-field\"><label>Immatriculation ($\/an)<\/label><input type=\"number\" id=\"vtco-B-immat\" value=\"370\" step=\"10\"\/><\/div><div class=\"vtco-field\"><label>Entretien ($\/an)<\/label><input type=\"number\" id=\"vtco-B-ent\" value=\"500\" step=\"50\"\/><\/div><div class=\"vtco-field\"><label>Financement \u2014 taux %<\/label><input type=\"number\" id=\"vtco-B-taux\" value=\"6.5\" step=\"0.5\"\/><\/div><div class=\"vtco-field\"><label>Mise de fonds ($)<\/label><input type=\"number\" id=\"vtco-B-mise\" value=\"5000\" step=\"500\"\/><\/div><\/div><\/div><\/div><div class=\"vtco-summary\"><div class=\"vtco-side\"><h5>\ud83d\udcca <span id=\"vtco-A-out-name\">V\u00e9hicule A<\/span><\/h5><div class=\"vtco-bigtotal\"><div class=\"lbl\">Co\u00fbt total sur la p\u00e9riode<\/div><div class=\"val\" id=\"vtco-A-r-total\">\u2014<\/div><\/div><div class=\"vtco-row\"><span class=\"lbl\">Co\u00fbt annuel<\/span><span class=\"val\" id=\"vtco-A-r-an\">\u2014<\/span><\/div><div class=\"vtco-row\"><span class=\"lbl\">Co\u00fbt par km<\/span><span class=\"val\" id=\"vtco-A-r-km\">\u2014<\/span><\/div><div class=\"vtco-row\"><span class=\"lbl\">D\u00e9pr\u00e9ciation totale<\/span><span class=\"val\" id=\"vtco-A-r-depr\">\u2014<\/span><\/div><div class=\"vtco-row\"><span class=\"lbl\">Int\u00e9r\u00eats du pr\u00eat<\/span><span class=\"val\" id=\"vtco-A-r-int\">\u2014<\/span><\/div><div class=\"vtco-row\"><span class=\"lbl\">Carburant total<\/span><span class=\"val\" id=\"vtco-A-r-carb\">\u2014<\/span><\/div><div class=\"vtco-row\"><span class=\"lbl\">Assurance + entretien<\/span><span class=\"val\" id=\"vtco-A-r-fix\">\u2014<\/span><\/div><\/div><div class=\"vtco-side\"><h5>\ud83d\udcca <span id=\"vtco-B-out-name\">V\u00e9hicule B<\/span><\/h5><div class=\"vtco-bigtotal\"><div class=\"lbl\">Co\u00fbt total sur la p\u00e9riode<\/div><div class=\"val\" id=\"vtco-B-r-total\">\u2014<\/div><\/div><div class=\"vtco-row\"><span class=\"lbl\">Co\u00fbt annuel<\/span><span class=\"val\" id=\"vtco-B-r-an\">\u2014<\/span><\/div><div class=\"vtco-row\"><span class=\"lbl\">Co\u00fbt par km<\/span><span class=\"val\" id=\"vtco-B-r-km\">\u2014<\/span><\/div><div class=\"vtco-row\"><span class=\"lbl\">D\u00e9pr\u00e9ciation totale<\/span><span class=\"val\" id=\"vtco-B-r-depr\">\u2014<\/span><\/div><div class=\"vtco-row\"><span class=\"lbl\">Int\u00e9r\u00eats du pr\u00eat<\/span><span class=\"val\" id=\"vtco-B-r-int\">\u2014<\/span><\/div><div class=\"vtco-row\"><span class=\"lbl\">Carburant total<\/span><span class=\"val\" id=\"vtco-B-r-carb\">\u2014<\/span><\/div><div class=\"vtco-row\"><span class=\"lbl\">Assurance + entretien<\/span><span class=\"val\" id=\"vtco-B-r-fix\">\u2014<\/span><\/div><\/div><\/div><div class=\"vtco-verdict\" id=\"vtco-verdict\">\u2014<\/div><a href=\"#cta\" class=\"vtco-cta\">Comparer mon assurance auto avec un courtier \u2192<\/a><\/div><script>(function(){\n  const $ = id => document.getElementById(id);\n  const fmt = n => \"$\" + Math.round(n).toLocaleString(\"fr-CA\");\n\n  function num(id){ return parseFloat($(id).value) || 0; }\n\n  function intPortion(principal, ratePct, years){\n    if (principal <= 0 || ratePct <= 0 || years <= 0) return 0;\n    const r = ratePct\/100\/12;\n    const n = years*12;\n    const m = principal * r \/ (1 - Math.pow(1+r,-n));\n    return m * n - principal;\n  }\n\n  function calcOne(side){\n    const duree = Math.max(1, num(\"vtco-duree\"));\n    const km = num(\"vtco-km\");\n    const pess = num(\"vtco-pess\");\n    const pkwh = num(\"vtco-pkwh\");\n    const type = $(\"vtco-\"+side+\"-type\").value;\n    const prix = num(\"vtco-\"+side+\"-prix\");\n    const revente = num(\"vtco-\"+side+\"-revente\");\n    const conso = num(\"vtco-\"+side+\"-conso\");\n    const assu = num(\"vtco-\"+side+\"-assu\");\n    const immat = num(\"vtco-\"+side+\"-immat\");\n    const ent = num(\"vtco-\"+side+\"-ent\");\n    const taux = num(\"vtco-\"+side+\"-taux\");\n    const mise = num(\"vtco-\"+side+\"-mise\");\n\n    const depr = Math.max(0, prix - revente);\n    const principal = Math.max(0, prix - mise);\n    const interets = intPortion(principal, taux, duree);\n    const kmTotal = km * duree;\n    const carbAnnuel = type === \"electrique\"\n      ? (km\/100) * conso * pkwh\n      : (km\/100) * conso * pess;\n    const carbTotal = carbAnnuel * duree;\n    const fixe = (assu + immat + ent) * duree;\n    const total = depr + interets + carbTotal + fixe;\n    const an = total \/ duree;\n    const parKm = kmTotal > 0 ? total \/ kmTotal : 0;\n\n    return {total, an, parKm, depr, interets, carbTotal, fixe, kmTotal};\n  }\n\n  function renderSide(side, r){\n    $(\"vtco-\"+side+\"-r-total\").textContent = fmt(r.total);\n    $(\"vtco-\"+side+\"-r-an\").textContent = fmt(r.an);\n    $(\"vtco-\"+side+\"-r-km\").textContent = \"$\" + r.parKm.toFixed(2) + \"\/km\";\n    $(\"vtco-\"+side+\"-r-depr\").textContent = fmt(r.depr);\n    $(\"vtco-\"+side+\"-r-int\").textContent = fmt(r.interets);\n    $(\"vtco-\"+side+\"-r-carb\").textContent = fmt(r.carbTotal);\n    $(\"vtco-\"+side+\"-r-fix\").textContent = fmt(r.fixe);\n    $(\"vtco-\"+side+\"-out-name\").textContent = $(\"vtco-\"+side+\"-name\").value || (\"V\u00e9hicule \"+side);\n  }\n\n  function compute(){\n    const A = calcOne(\"A\");\n    const B = calcOne(\"B\");\n    renderSide(\"A\", A);\n    renderSide(\"B\", B);\n    const v = $(\"vtco-verdict\");\n    const diff = Math.abs(A.total - B.total);\n    if (diff < 100) {\n      v.innerHTML = \"Co\u00fbt quasi \u00e9quivalent sur la p\u00e9riode.\";\n    } else if (A.total < B.total) {\n      v.innerHTML = '<span class=\"winner\">\u2713 ' + ($(\"vtco-A-name\").value || \"V\u00e9hicule A\") + ' co\u00fbte ' + fmt(diff) + ' de moinssur ' + Math.max(1,num(\"vtco-duree\")) + ' ans (' + fmt(diff\/Math.max(1,num(\"vtco-duree\"))) + ' \/ an)';\n    } else {\n      v.innerHTML = '<span class=\"winner\">\u2713 ' + ($(\"vtco-B-name\").value || \"V\u00e9hicule B\") + ' co\u00fbte ' + fmt(diff) + ' de moinssur ' + Math.max(1,num(\"vtco-duree\")) + ' ans (' + fmt(diff\/Math.max(1,num(\"vtco-duree\"))) + ' \/ an)';\n    }\n  }\n\n  document.querySelectorAll(\".vtco-wrap input, .vtco-wrap select\").forEach(el => el.addEventListener(\"input\", compute));\n  compute();\n})();\n<\/span><\/span><\/script>\n\n<div style=\"background:#fffbeb;border:2px solid #f59e0b;border-radius:12px;padding:24px;margin:24px 0 32px;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;line-height:1;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#78350f;font-weight:700;font-size:16px;margin:0 0 8px;\">Simulation tool \u2014 indicative result<\/p>\n    <p style=\"color:#92400e;font-size:14px;margin:0;line-height:1.6;\">This calculator provides an <strong>estimate<\/strong> based on Quebec averages and the values you enter. It does not take into account taxes (GST\/QST), provincial\/federal rebates for electric vehicles (Roulez vert, iVZE), or the particularities of your profile. For a purchase decision, consult an AMF-certified <strong>dealership<\/strong>, <strong>accountant<\/strong> or <strong>insurance broker<\/strong> .  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;\"><span class=\"ez-toc-section\" id=\"Why-Sticky-Price-Is-Not-the-True-Price\"><\/span>Why Sticky Price Is Not the True Price<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"color:#334155;line-height:1.7;\">The purchase price of a car is <strong>less than half<\/strong> of what it will cost you over 5 years. <strong>Depreciation<\/strong> (loss of value), <strong>fuel<\/strong>, <strong>insurance<\/strong>, <strong>maintenance<\/strong> and <strong>interest on financing<\/strong> typically add $25,000 to $50,000 to the initial amount. Comparing two vehicles on the sticky price alone is the first mistake to avoid.  <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcc9<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Depreciation 30-50% in 5 years<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">A new sedan loses ~50% of its value in 5 years. A luxury SUV can reach 60%. An EV varies greatly depending on the model (often 40-55%).  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u26fd<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Fuel: $7,000 to $12,000 \/ 5 years<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">For 15,000 km\/year, count ~$9,000 of gas for a vehicle at 8 L\/100 km. An EV at 18 kWh\/100 km: ~$1,050 \u2014 a huge gap. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Insurance: $5,500 \/ 5 years<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">A premium of $1,100\/year \u00d7 5 years = $5,500. Optimizing this position with a broker can reduce by 20-30%, or $1,500+ in savings. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border:2px solid #10c4c7;border-radius:14px;padding:32px;margin:32px 0;\">\n  <h3 style=\"color:#10c4c7;margin:0 0 16px;font-size:20px;\">\ud83d\udca1 Broker Tip<\/h3>\n  <p style=\"color:#cbd5e1;font-size:15px;line-height:1.7;margin:0 0 12px;\">The <strong style=\"color:#fff;\">most optimisable<\/strong> item in the annual cost of a car is <strong style=\"color:#fff;\">insurance<\/strong>. By comparing 4-5 insurers via a broker, many Quebecers save $200-500\/year without reducing their coverage. <\/p>\n  <p style=\"color:#cbd5e1;font-size:15px;line-height:1.7;margin:0;\">Also consider applying for the <strong style=\"color:#fff;\">FPQ-5<\/strong> (replacement cost protection) if you buy a recent vehicle, and the <strong style=\"color:#fff;\">electric vehicle discount<\/strong> from several insurers.<\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:24px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:8px;\">\n    <summary style=\"background:#f8fafc;padding:16px 20px;font-weight:700;color:#0d1f2d;cursor:pointer;\">Does the calculator include taxes (GST\/QST)?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;font-size:14px;\">Taxes are included in the purchase price you enter (15% in QC). If you have the price before taxes, multiply by 1.15. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:8px;\">\n    <summary style=\"background:#f8fafc;padding:16px 20px;font-weight:700;color:#0d1f2d;cursor:pointer;\">What about the Roulez vert \/ iVZE rebates for electric vehicles?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;font-size:14px;\">The calculator does not apply them automatically. If you qualify for a rebate (up to $5,000 provincial + $5,000 federal in 2026), <strong>deduct it from the purchase price<\/strong> before entering for a fairer result. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:8px;\">\n    <summary style=\"background:#f8fafc;padding:16px 20px;font-weight:700;color:#0d1f2d;cursor:pointer;\">How to estimate the resale value?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;font-size:14px;\">Simple rule: ~50% of the new price after 5 years for an average vehicle. For an accurate estimate, check out <strong>Auto Trader, Kijiji or the Weekly Guide<\/strong> \u2014 look for ads for your 5-year-old model. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:8px;\">\n    <summary style=\"background:#f8fafc;padding:16px 20px;font-weight:700;color:#0d1f2d;cursor:pointer;\">What should I do if my vehicle is leased?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;font-size:14px;\">The calculator is designed for purchase. For a lease, add up the <strong>monthly payments \u00d7 number of months<\/strong> + residual value if you plan to buy it at the end. The operating costs (gas, insurance, maintenance) are identical to the purchase.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:8px;\">\n    <summary style=\"background:#f8fafc;padding:16px 20px;font-weight:700;color:#0d1f2d;cursor:pointer;\">Why is my insurance more expensive than the average calculator?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;font-size:14px;\">Several factors: age, gender, postal code, driving record, model (a luxury SUV costs more than a sedan), claim history. <strong>Compare with a broker<\/strong> \u2014 you could have a big margin to recover.<\/div>\n  <\/details>\n<\/div>\n\n<div id=\"cta\" style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">The most controllable item is insurance<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Free quote \u2014 compare 3-5 insurers in 24 hours via an AMF broker.<\/p>\n  <div style=\"display:flex;gap:12px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 32px;border-radius:8px;font-weight:800;text-decoration:none;font-size:15px;\">Car<\/a>\n insurance quote<a href=\"tel:18663574451\" style=\"background:transparent;color:#ffffff;border:2px solid #ffffff;padding:14px 30px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;\">\ud83d\udcde 1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;\"><span class=\"ez-toc-section\" id=\"Discover-also\"><\/span>Discover also<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:24px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/simulation\/calculateur-ve-vs-essence\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:12px;padding:24px;text-decoration:none;color:inherit;\">\n    <h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">EV vs gasoline: when is it profitable? \u2192<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Calculate the break-even point between an electric vehicle and a combustion engine based on your mileage and the price of gasoline.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:12px;padding:24px;text-decoration:none;color:inherit;\">\n    <h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">All our simulators \u2192<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Claims, retirement, life insurance, mortgage, farm, recreational \u2014 free tools.<\/p>\n  <\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Outil gratuit \u00b7 ComparateurVrai co\u00fbt de possession sur 5 ans \u2014 Qu\u00e9bec 2026Comparez deux v\u00e9hicules c\u00f4te \u00e0 c\u00f4te : achat, d\u00e9pr\u00e9ciation, financement, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":58627,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"True Cost of Owning a Vehicle Over 5 Years | QC Calculator","_seopress_titles_desc":"Compare two vehicles side-by-side: purchase, depreciation, financing, gas, insurance, maintenance. Total cost and $\/km over 5 years. Quebec 2026 data, free.  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