{"id":105659,"date":"2026-09-09T12:30:00","date_gmt":"2026-09-09T16:30:00","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/2026-quebec-auto-insurance-rate-increase-numbers-causes-and-solutions\/"},"modified":"2026-09-09T12:30:41","modified_gmt":"2026-09-09T16:30:41","slug":"2026-quebec-auto-insurance-rate-increase-numbers-causes-and-solutions","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/2026-quebec-auto-insurance-rate-increase-numbers-causes-and-solutions\/","title":{"rendered":"2026 Quebec Auto Insurance Rate Increase: Numbers, Causes, and Solutions"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}.entry-content .ez-toc-widget-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/logo-assur360.png\", \"telephone\": \"1-866-357-4451\", \"address\": {\"@type\": \"PostalAddress\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"addressCountry\": \"CA\"}, \"areaServed\": \"QC\"}<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">The year 2026 marks a <strong>significant increase in car insurance rates in Quebec<\/strong> \u2014 between <strong>+6% and +12%<\/strong> depending on the profile, with peaks of +15% for some segments. Theft of recent vehicles, rising repair costs, high civil liability judgments: the causes are piling up. Our AMF-certified <strong>Assur360 brokers<\/strong> decipher the 2026 figures and propose 8 concrete ways to offset the increase.  <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">Price increase 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Dont-Suffer-the-Rise-%E2%80%94-Shop-Around\"><\/span>Don&#8217;t Suffer the Rise \u2014 Shop Around<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our brokers compare 8+ insurers in 3 minutes \u2014 often 15-30% savings.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Compare prices now<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\"><div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">+6 to +12%<\/div><div style=\"color:#64748b;font-size:13px;\">Average increase 2026<\/div><\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">+18 %<\/div><div style=\"color:#64748b;font-size:13px;\">Cost of repairs since 2024<\/div><\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">15-30 %<\/div><div style=\"color:#64748b;font-size:13px;\">Medium Savings<\/div><\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div><div style=\"color:#64748b;font-size:13px;\">Online Quote<\/div><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-3-causes-of-the-2026-increase\"><\/span>The 3 causes of the 2026 increase<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\"><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd27<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Repair costs +18%<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">On-board electronics, mandated parts, specialized labor. A front door is worth $3,000-8,000 to repair on a recent SUV. <\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude97<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Vehicle thefts on the rise<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">RAV4, Highlander, Lexus RX targeted. +30% of thefts in Quebec since 2024. Car premium up for these models.  <\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\u2696\ufe0f<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Record civil liability benefits<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Recent judgments $2-8 million in civil liability. Insurers adjust premiums to compensate. <\/p><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8-concrete-ways-to-compensate-for-the-increase\"><\/span>8 concrete ways to compensate for the increase<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\"><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Compare with 5+ insurers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The difference between the cheapest and the most expensive is often 40-60% for the same profile. Our Assur360 brokers compare 8+ insurers for free. <\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Increase your deductible<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Going from $250 to $500 saves 5-10%. Going up to $1,000 saves 10-15%. Only do if you have the financial cushion.  <\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Combining car + home<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Multi-product discounts of 10-15% at most insurers. If your home is elsewhere, shop the combo. <\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Removing non-essential endorsements<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Roadside assistance already with CAA? Broad rental coverage endorsement already via credit card? Remove duplicates \u2014 $30-100\/year in savings.  <\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Add cost-effective endorsements<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">FAQ 34 (replacement vehicle) and FAQ 27 (damage to someone else&#8217;s vehicle) are underused and inexpensive. Better ROI in the event of a claim. <\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">6<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Install a telematics device<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Intact Drive, Belairdirect DrivExpert, Desjardins Ajusto programs. 10-25% discount for good driving. Test for 3 months.  <\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">7<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Install a certified lock<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">On high-risk vehicles (RAV4, Highlander). Cost $400-1,200. 5-15% discount with many insurers. Pay-for in 3-5 years.   <\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">8<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Reduce annual mileage reported<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Going from 20,000 to 12,000 km\/year saves 5-10%. Never declare less than the truth \u2014 the insurer can refuse in the event of a claim. <\/p><\/div><\/div><\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Our recommended strategy<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Combine <strong style=\"color:#ffffff;\">annual shopping<\/strong> + <strong style=\"color:#ffffff;\">telematics<\/strong> + <strong style=\"color:#ffffff;\">$500 deductible<\/strong>. Cumulative average savings: 25-40% on premiums \u2014 which fully offsets the 2026 increase and often saves you money on top of it. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Rise-by-profile-segment\"><\/span>Rise by profile segment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\"><table style=\"width:100%;border-collapse:collapse;font-size:14px;\"><thead><tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Premium profile<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">type 2025<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Premium type 2026*<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Variation<\/th><\/tr><\/thead><tbody><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">Driver 40 years old, 15 years experience, family SUV<\/td> $1,2001,290-1,340<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+7 to +12%<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">Young driver 22 years old, 4-year license, sedan<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2,400<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">2,640-$2,760<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+10 to +15%<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">Retired 65 years old, low mileage, mini-SUV<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$800<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$840-880<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+5 to +10%<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">Tesla Model Y<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Owner $1,800<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1,980-$2,070<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+10 to +15%<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">RAV4 Owner (Risky Flight)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,500<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,680-$1,800<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+12 to +20%<\/td><\/tr><\/tbody><\/table><\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\">Get your exact price in 3 minutes<\/a>.<\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Never renew without shopping<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">Quebecers&#8217; No. 1 mistake: accepting automatic renewal by default. In 2026, this error can cost you <strong>$300-800 more<\/strong> per year. Our Assur360 brokers compare for free in 3 minutes \u2014 no commitment, all the work is done for you.  <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">Shop Before Your Renewal<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Compare 8+ insurers in 3 minutes<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our AMF-certified brokers will find you the best price in 2026 \u2014 free and without obligation.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Free quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call a broker<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Our-range-of-comparators\"><\/span>Our range of comparators<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\"><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude97<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Car insurance<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Compare 8+ insurers for your car, SUV or light truck.<\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe1<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Home insurance<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Auto + hab combo for multi-product discounts 10-15%.<\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfcd\ufe0f<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Motorcycle insurance<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Shop before the next season \u2014 similar increase.<\/p><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Assur360-covers-all-of-Quebec\"><\/span>Assur360 covers all of Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:16px;line-height:1.8;color:#334155;\">Whether you are in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong> or <strong>Thetford Mines<\/strong>, our AMF-certified brokers compare auto rate comparisons with several partner insurers in Quebec.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles\"><\/span>Related articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\"><a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/fpq-5-vs-endorsement-43a-vs-43d-which-one-to-choose-in-2026\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">FPQ 5 vs 43A vs 43D Endorsement<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Choosing the right replacement cost coverage in 2026.<\/p><\/a><a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/2026-fpq-5-price-ranges-by-value-and-duration\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">FPQ 5 Award in 2026<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Detailed ranges by vehicle value and duration.<\/p><\/a><a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/i-compared-7-car-insurers-quebec-2026-400-difference-broker-guide\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Comparison of 7 insurers in Quebec<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Price, service, reputation \u2014 the 2026 ranking.<\/p><\/a><a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/2026-saaq-75-license-refund-shop-car-insurance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">2026 SAAQ Refund<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">How to shop around for car insurance after reimbursement.<\/p><\/a><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-the-2026-rise\"><\/span>Frequently asked questions about the 2026 rise<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\"><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much will car rates increase in Quebec in 2026?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">According to forecasts from the Insurance Bureau of Canada (IBC) and the grids published by the main insurers, the average increase in 2026 is between <strong>+6% and +12%<\/strong> on standard policies, with peaks of +15% in certain segments (young drivers, vehicles with a high risk of theft, luxury SUVs).<\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Why such a significant increase?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">There are three main causes: 1) increase in repair costs (electronics, parts, specialized labor +18% since 2024), 2) explosion in thefts of high-end vehicles (RAV4, Highlander, Lexus RX), 3) increase in civil liability benefits following recent judgments.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How do I know if my insurer applies the increase?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Your annual renewal normally arrives 30-45 days before the end of the year. Compare the new premium to the previous year&#8217;s premium. An increase of more than 5% justifies shopping around \u2014 our Assur360 brokers do it for free in 3 minutes.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What are the 8 ways to compensate for the increase?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">1) Compare with 5+ insurers, 2) increase the deductible, 3) group car + home, 4) remove non-essential riders, 5) add profitable riders (FAQ 34), 6) telematics (10-25% discount), 7) install a lock, 8) reduce the annual mileage declared.       <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can a telematics system really reduce my premium?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes \u2014 telematics programs (Intact Drive, Belairdirect, DrivExpert, Desjardins, Ajusto) offer 10-25% discount depending on the quality of driving. Our brokers recommend telematics for safe drivers who drive less than 20,000 km\/year. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is it better to keep my current insurer despite the increase?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Not necessarily. Loyalty discounts range from 3% to 8% with most insurers, while a well-researched change often results in savings of 15-30%. Loyalty pays off especially after 10+ years with the same insurer \u2014 below that, shop around systematically.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is telematics intrusive on my privacy?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Telematics programs collect: speed, hard braking, acceleration, time of day, mileage. They do not collect your destination or your real-time location accessible by third parties. You can remove the device at any time.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How do I get a quote in 3 minutes?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Contact Assur360 online or at 1-866-357-4451. Provide: driver&#8217;s license, registration, driving record, vehicle value. Our AMF-certified brokers compare 8+ insurers and present you with the best price \u2014 free and without obligation.  <\/div><\/details><\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"De combien augmentent les tarifs auto au Qu\u00e9bec en 2026 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Selon les pr\u00e9visions du Bureau d'assurance du Canada (BAC) et les grilles publi\u00e9es par les principaux assureurs, la hausse moyenne 2026 se situe entre <strong>+6 % et +12 % sur les polices standard, avec des pointes \u00e0 +15 % sur certains segments (jeunes conducteurs, v\u00e9hicules \u00e0 haut risque de vol, SUV luxe).\"}}, {\"@type\": \"Question\", \"name\": \"Pourquoi une hausse aussi importante ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Trois causes principales : 1) hausse des co\u00fbts de r\u00e9paration (\u00e9lectronique, pi\u00e8ces, main-d'\u0153uvre sp\u00e9cialis\u00e9e +18 % depuis 2024), 2) explosion des vols de v\u00e9hicules haut de gamme (RAV4, Highlander, Lexus RX), 3) hausse des indemnit\u00e9s responsabilit\u00e9 civile suite aux jugements r\u00e9cents.\"}}, {\"@type\": \"Question\", \"name\": \"Comment savoir si mon assureur applique la hausse ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Votre renouvellement annuel arrive normalement 30-45 jours avant l'\u00e9ch\u00e9ance. Comparez la nouvelle prime \u00e0 celle de l'ann\u00e9e pr\u00e9c\u00e9dente. Une hausse sup\u00e9rieure \u00e0 5 % justifie un magasinage \u2014 nos courtiers Assur360 le font gratuitement en 3 min.\"}}, {\"@type\": \"Question\", \"name\": \"Quelles sont les 8 fa\u00e7ons de compenser la hausse ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"1) Comparer avec 5+ assureurs, 2) augmenter la franchise, 3) regrouper auto + habitation, 4) enlever avenants non essentiels, 5) rajouter avenants rentables (FAQ 34), 6) t\u00e9l\u00e9matique (rabais 10-25 %), 7) installer un antivol, 8) r\u00e9duire le kilom\u00e9trage annuel d\u00e9clar\u00e9.\"}}, {\"@type\": \"Question\", \"name\": \"Un syst\u00e8me t\u00e9l\u00e9matique peut-il vraiment r\u00e9duire ma prime ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 les programmes t\u00e9l\u00e9matiques (Intact Drive, Belairdirect DrivExpert, Desjardins Ajusto) offrent 10-25 % de rabais selon la qualit\u00e9 de conduite. Nos courtiers recommandent la t\u00e9l\u00e9matique pour les conducteurs prudents qui roulent moins de 20 000 km\/an.\"}}, {\"@type\": \"Question\", \"name\": \"Vaut-il mieux garder mon assureur actuel malgr\u00e9 la hausse ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pas n\u00e9cessairement. Les rabais fid\u00e9lit\u00e9 varient de 3 \u00e0 8 % chez la plupart des assureurs, alors qu'un changement bien magasin\u00e9 donne souvent 15-30 % d'\u00e9conomies. La fid\u00e9lit\u00e9 paie surtout apr\u00e8s 10+ ans chez le m\u00eame assureur \u2014 en dessous, magasinez syst\u00e9matiquement.\"}}, {\"@type\": \"Question\", \"name\": \"La t\u00e9l\u00e9matique est-elle intrusive pour ma vie priv\u00e9e ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les programmes t\u00e9l\u00e9matiques collectent : vitesse, freinages brusques, acc\u00e9l\u00e9rations, moment de la journ\u00e9e, kilom\u00e9trage. Ils ne collectent pas votre destination ni votre localisation en temps r\u00e9el accessible par des tiers. Vous pouvez retirer le dispositif \u00e0 tout moment.\"}}, {\"@type\": \"Question\", \"name\": \"Comment obtenir une soumission en 3 minutes ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Contactez Assur360 en ligne ou au 1-866-357-4451. Fournissez : permis de conduire, immatriculation, dossier de conduite, valeur du v\u00e9hicule. Nos courtiers certifi\u00e9s AMF comparent 8+ assureurs et vous pr\u00e9sentent le meilleur prix \u2014 gratuit et sans engagement.\"}}]}<\/strong><\/script> \n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified brokers<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\"><strong>Member of the Insurance Chamber<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> comparator<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Partner firms in <strong>Quebec<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\"><strong>Bilingual<\/strong> service FR + EN<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">Don&#8217;t suffer the 2026 increase<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Compare and save in 3 minutes<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our brokers negotiate for you with 8+ insurers \u2014 free, no obligation.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Free quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call a broker<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Mes finances\", \"item\": \"https:\/\/www.assur360.ca\/blog\/mes-finances\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Hausse tarifs auto 2026\", \"item\": \"https:\/\/www.assur360.ca\/blog\/mes-finances\/hausse-tarifs-assurance-auto-quebec-2026\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>2026 Quebec auto insurance rate increase: +6 to +12%. Causes and 8 concrete solutions to compensate \u2014 our brokers guide you. <\/p>\n","protected":false},"author":49,"featured_media":105660,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"2026 Quebec Auto Rate Increase: +6 to +12% | Assur360","_seopress_titles_desc":"Quebec 2026 auto insurance rate increase: +6 to +12%. Causes and 8 ways to compensate for the increase. 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