{"id":15537,"date":"2024-04-02T22:47:59","date_gmt":"2024-04-03T02:47:59","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/non-categorise\/car-insurance-compare-our-prices\/"},"modified":"2026-04-19T22:41:27","modified_gmt":"2026-04-20T02:41:27","slug":"car-insurance-compare-our-prices","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-insurance-compare-our-prices\/","title":{"rendered":"Car Insurance in Quebec \u2014 2026 Prices and Comparison | Assur360"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 40px;border-radius:16px;margin-bottom:40px\">\n<div style=\"max-width:800px;margin:0 auto\">\n<span style=\"display:inline-block;background:rgba(16,196,199,.15);color:#10c4c7;padding:6px 16px;border-radius:20px;font-size:14px;font-weight:600;letter-spacing:1px;margin-bottom:20px\">CAR INSURANCE<\/span>\n<h2 style=\"color:#fff;font-size:2.4rem;line-height:1.2;margin:0 0 16px\"><span class=\"ez-toc-section\" id=\"Car-insurance-in-Quebec-2026-prices-coverage-and-comparison\"><\/span>Car insurance in Quebec: 2026 prices, coverage and comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#94a3b8;font-size:1.1rem;line-height:1.7;margin:0 0 30px\">Compare car insurance offers in Quebec in minutes. Discover the average prices for 2026, essential coverages and 10 tips to reduce your premium with the help of an AMF-certified broker. <\/p>\n<div style=\"display:flex;gap:16px;flex-wrap:wrap\">\n<a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;font-size:1rem\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;border:2px solid #fff;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;font-size:1rem\">1-866-357-4451<\/a>\n<\/div>\n<\/div>\n<\/div>\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2024\/04\/courtier-assurance-voiture-en-ligne.png\" alt=\"Online Car Insurance Broker in Quebec\" class=\"wp-image-12856\"  sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin:40px 0;text-align:center\">\n<div style=\"padding:24px;background:#f8fafc;border-radius:12px\">\n<div style=\"font-size:2.2rem;font-weight:700;color:#10c4c7\">100K+<\/div>\n<div style=\"color:#64748b;font-size:.9rem;margin-top:4px\">Submissions processed<\/div>\n<\/div>\n<div style=\"padding:24px;background:#f8fafc;border-radius:12px\">\n<div style=\"font-size:2.2rem;font-weight:700;color:#10c4c7\">9+<\/div>\n<div style=\"color:#64748b;font-size:.9rem;margin-top:4px\">Insurer Partners<\/div>\n<\/div>\n<div style=\"padding:24px;background:#f8fafc;border-radius:12px\">\n<div style=\"font-size:2.2rem;font-weight:700;color:#10c4c7\">$356<\/div>\n<div style=\"color:#64748b;font-size:.9rem;margin-top:4px\">Average Savings<\/div>\n<\/div>\n<div style=\"padding:24px;background:#f8fafc;border-radius:12px\">\n<div style=\"font-size:2.2rem;font-weight:700;color:#10c4c7\">3 min<\/div>\n<div style=\"color:#64748b;font-size:.9rem;margin-top:4px\">Quick Quote<\/div>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-does-car-insurance-work-in-Quebec\"><\/span>How does car insurance work in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>In Quebec, automobile insurance is based on a mixed system that is unique in Canada. The <strong>Soci\u00e9t\u00e9 de l&#8217;assurance automobile du Qu\u00e9bec (SAAQ)<\/strong> automatically covers bodily injury (no-fault public plan), while <strong>private insurance<\/strong> is mandatory for civil liability and optional for property damage to your vehicle. All owners of vehicles registered in Quebec must have a valid automobile insurance policy with a private insurer.  <\/p>\n\n<p>In 2026, the average car insurance premium in Quebec will range from <strong>$700 to $1,400 per year<\/strong> depending on the driver&#8217;s profile, the type of vehicle and the region. Quebec remains one of the most affordable provinces in Canada thanks to the SAAQ public plan, which eliminates the bodily component of private insurance. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SAAQ-vs-Private-Insurer-Who-Covers-What\"><\/span>SAAQ vs. Private Insurer: Who Covers What?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:30px 0\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden\">\n<thead>\n<tr style=\"background:#0d1f2d;color:#fff\">\n<th style=\"padding:14px 18px;text-align:left;font-weight:600\">Element<\/th>\n<th style=\"padding:14px 18px;text-align:left;font-weight:600\">SAAQ (public)<\/th>\n<th style=\"padding:14px 18px;text-align:left;font-weight:600\">Private insurer<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Bodily Injury<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Automatically Covered<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Not Covered<\/td><\/tr>\n<tr><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Civil liability<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Not covered<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Mandatory (min. $50,000)<\/td><\/tr>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Damage to your vehicle<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Not<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">covered Optional (collision, upset)<\/td><\/tr>\n<tr><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Damage to others (property)<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Not covered<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Covered by civil liability<\/td><\/tr>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Theft, vandalism, hail<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Not covered<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Optional (specified perils)<\/td><\/tr>\n<tr><td style=\"padding:12px 18px\">Death Benefit \/<\/td><td style=\"padding:12px 18px\">Disability Benefit Automatically Covered<\/td><td style=\"padding:12px 18px\">Not Covered<\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Car-insurance-coverage-explained\"><\/span>Car insurance coverage explained<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h3 class=\"wp-block-heading\">Mandatory coverage<\/h3>\n\n<p><strong>Civil liability<\/strong> is the only mandatory coverage in Quebec for private automobile insurance. The legal minimum is $50,000, but brokers strongly recommend an amount of <strong>$1,000,000 or $2,000,000<\/strong>. In the event of an at-fault accident with serious injury to others or significant damage, lawsuits can easily exceed $50,000, leaving the insured personally responsible for the difference.  <\/p>\n\n<h3 class=\"wp-block-heading\">Recommended Optional Coverage<\/h3>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:30px 0\">\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px\">\n<h4 style=\"margin:0 0 12px;font-size:1.1rem;color:#0d1f2d\">Collision (Chapter B1)<\/h4>\n<p style=\"margin:0;color:#475569;font-size:.95rem;line-height:1.6\">Covers damage to your vehicle in a collision, whether you are at fault or not. Essential for newer or financed vehicles. <\/p>\n<\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px\">\n<h4 style=\"margin:0 0 12px;font-size:1.1rem;color:#0d1f2d\">All risks (Chapter B2)<\/h4>\n<p style=\"margin:0;color:#475569;font-size:.95rem;line-height:1.6\">Most comprehensive protection: collision + theft, vandalism, hail, glass breakage, fire. Recommended for vehicles under 10 years old. <\/p>\n<\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px\">\n<h4 style=\"margin:0 0 12px;font-size:1.1rem;color:#0d1f2d\">Specified risks (Chapter B3)<\/h4>\n<p style=\"margin:0;color:#475569;font-size:.95rem;line-height:1.6\">Covers only the named perils: theft, fire, hail, glass breakage. Cheaper than the all-risk, ideal for older vehicles. <\/p>\n<\/div>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Popular endorsements to be aware of<\/h3>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:30px 0\">\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px\">\n<h4 style=\"margin:0 0 12px;font-size:1.1rem;color:#0d1f2d\">FAQ 20 &#8211; Replacement Cost<\/h4>\n<p style=\"margin:0;color:#475569;font-size:.95rem;line-height:1.6\">Replaces your vehicle with a new equivalent in the event of a total loss. Available for vehicles less than 2 to 5 years old depending on the insurer. <\/p>\n<\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px\">\n<h4 style=\"margin:0 0 12px;font-size:1.1rem;color:#0d1f2d\">FAQ 27 &#8211; Replacement Vehicle<\/h4>\n<p style=\"margin:0;color:#475569;font-size:.95rem;line-height:1.6\">Provides you with a rental vehicle while yours is being repaired. Avoids unexpected rental fees after a claim. <\/p>\n<\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px\">\n<h4 style=\"margin:0 0 12px;font-size:1.1rem;color:#0d1f2d\">FAQ 43 &#8211; Modification of deductible<\/h4>\n<p style=\"margin:0;color:#475569;font-size:.95rem;line-height:1.6\">Allows you to choose a different deductible depending on the type of claim (collision vs. theft). Offers more budget flexibility. <\/p>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Average-Car-Insurance-Prices-in-2026-by-Vehicle-Type\"><\/span>Average Car Insurance Prices in 2026 by Vehicle Type<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Insurance premiums vary greatly depending on the type of vehicle. Here is an overview of the average annual costs in Quebec in 2026 for a driver with a good record (25-55 years old, without claims). <\/p>\n\n<div style=\"overflow-x:auto;margin:30px 0\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden\">\n<thead>\n<tr style=\"background:#0d1f2d;color:#fff\">\n<th style=\"padding:14px 18px;text-align:left;font-weight:600\">Vehicle<\/th>\n Type<th style=\"padding:14px 18px;text-align:left;font-weight:600\">Average<\/th>\n annual premium<th style=\"padding:14px 18px;text-align:left;font-weight:600\">Risk factor<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Compact Sedan (ex: Civic, Corolla)<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">$700 &#8211; $950Low<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><\/td><\/tr>\n<tr><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Midsize SUV (ex: RAV4, CR-V)<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">$850 &#8211; $1,200Moderate<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><\/td><\/tr>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Electric vehicle (e.g. Tesla 3, Bolt)<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">$900 &#8211; $1,400Moderate<\/td> <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">to high<\/td><\/tr>\n<tr><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Sports car (ex: Mustang, WRX)<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">$1,200 &#8211; $2,000High<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><\/td><\/tr>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Luxury vehicle (ex: BMW, Mercedes)<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">$1,500 &#8211; $2,500High<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><\/td><\/tr>\n<tr><td style=\"padding:12px 18px\">Pickup truck (e.g. F-150, Sierra)<\/td><td style=\"padding:12px 18px\">$800 &#8211; $1,300Moderate<\/td><td style=\"padding:12px 18px\"><\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Franchising-how-to-choose-it\"><\/span>Franchising: how to choose it?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The deductible is the amount you pay out of pocket before the insurer intervenes. In Quebec, the common deductibles are <strong>$250, $500 or $1,000<\/strong>. The choice of deductible directly influences your premium:  <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:30px 0\">\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;text-align:center\">\n<div style=\"font-size:2rem;font-weight:700;color:#10c4c7;margin-bottom:8px\">$250<\/div>\n<p style=\"margin:0;color:#475569;font-size:.95rem\">Higher premium but less to pay in the event of a claim. Ideal for new or financed vehicles. <\/p>\n<\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;text-align:center\">\n<div style=\"font-size:2rem;font-weight:700;color:#10c4c7;margin-bottom:8px\">$500<\/div>\n<p style=\"margin:0;color:#475569;font-size:.95rem\">The most popular choice. Good balance between affordable premium and cost in the event of a claim. <\/p>\n<\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;text-align:center\">\n<div style=\"font-size:2rem;font-weight:700;color:#10c4c7;margin-bottom:8px\">$1,000<\/div>\n<p style=\"margin:0;color:#475569;font-size:.95rem\">Lowest premium but no longer to be paid in the event of a claim. Suitable for older vehicles or careful drivers. <\/p>\n<\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:30px 0\">\n<h4 style=\"color:#10c4c7;margin:0 0 12px;font-size:1.1rem\">Advice from our expert<\/h4>\n<p style=\"color:#e2e8f0;margin:0;line-height:1.7\">Never choose a deductible that you can&#8217;t pay tomorrow morning. If a $1,000 deductible would cause you financial stress, opt for $500. The annual premium difference is often only $50 to $100, which is not worth the risk of being left without a vehicle after a loss.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"QEF-endorsements-that-are-important-to-your-policy\"><\/span>QEF endorsements that are important to your policy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Quebec Endorsement Forms (QEF) allow you to customize your policy. Here are the most important things to know: <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin:30px 0\">\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px\">\n<h4 style=\"margin:0 0 8px;color:#0d1f2d\">QEF 20 &#8211; Replacement Cost<\/h4>\n<p style=\"margin:0;color:#475569;font-size:.95rem;line-height:1.6\">In the event of a total loss, your vehicle is replaced by an equivalent new model. Essential for vehicles less than 3 years old. <\/p>\n<\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px\">\n<h4 style=\"margin:0 0 8px;color:#0d1f2d\">QEF 27 &#8211; Replacement Vehicle<\/h4>\n<p style=\"margin:0;color:#475569;font-size:.95rem;line-height:1.6\">Rental of a replacement vehicle during repairs. Avoid paying $40 to $60\/day for 2 to 4 weeks. <\/p>\n<\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px\">\n<h4 style=\"margin:0 0 8px;color:#0d1f2d\">QEF 34 &#8211; Insurance of persons<\/h4>\n<p style=\"margin:0;color:#475569;font-size:.95rem;line-height:1.6\">Adds additional coverage for passengers in the event of injuries. Supplement to the SAAQ public plan. <\/p>\n<\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px\">\n<h4 style=\"margin:0 0 8px;color:#0d1f2d\">QEF 43a &#8211; Variation of Deductible<\/h4>\n<p style=\"margin:0;color:#475569;font-size:.95rem;line-height:1.6\">Allows you to have a different deductible for the collision and specified perils (theft, fire). More flexibility for your budget. <\/p>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Steps-to-get-the-best-quote\"><\/span>Steps to get the best quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:700px;margin:30px auto\">\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:28px\">\n<div style=\"min-width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem\">1<\/div>\n<div><h4 style=\"margin:0 0 6px;color:#0d1f2d\">Gather your information<\/h4><p style=\"margin:0;color:#475569;font-size:.95rem;line-height:1.6\">Vehicle VIN, driver&#8217;s license, driving history (accidents, tickets from the last 6 years) and current policy if you have one.<\/p><\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:28px\">\n<div style=\"min-width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem\">2<\/div>\n<div><h4 style=\"margin:0 0 6px;color:#0d1f2d\">Fill out our online form<\/h4><p style=\"margin:0;color:#475569;font-size:.95rem;line-height:1.6\">In 3 minutes, indicate your profile and your needs. Our form is secure and non-binding. <\/p><\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:28px\">\n<div style=\"min-width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem\">3<\/div>\n<div><h4 style=\"margin:0 0 6px;color:#0d1f2d\">Receive your compared quotes<\/h4><p style=\"margin:0;color:#475569;font-size:.95rem;line-height:1.6\">Your Assur360 broker compares the offers of more than 9 insurers and presents you with the best options adapted to your profile.<\/p><\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:28px\">\n<div style=\"min-width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem\">4<\/div>\n<div><h4 style=\"margin:0 0 6px;color:#0d1f2d\">Choose and activate your policy<\/h4><p style=\"margin:0;color:#475569;font-size:.95rem;line-height:1.6\">Select the offer that suits you. Your broker takes care of all the paperwork, and your coverage is activated immediately. <\/p><\/div>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10-tips-to-reduce-your-car-insurance-premium\"><\/span>10 tips to reduce your car insurance premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:700px;margin:30px auto\">\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:20px\">\n<div style=\"min-width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem\">1<\/div>\n<div><p style=\"margin:0;color:#0d1f2d;font-size:.95rem;line-height:1.6\"><strong>Bundle your insurance<\/strong> \u2014 Combine your home + auto with the same insurer for a 5% to 15% discount.<\/p><\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:20px\">\n<div style=\"min-width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem\">2<\/div>\n<div><p style=\"margin:0;color:#0d1f2d;font-size:.95rem;line-height:1.6\"><strong>Increase your deductible<\/strong> \u2014 Going from $250 to $500 can reduce your premium by 10% to 20%.<\/p><\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:20px\">\n<div style=\"min-width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem\">3<\/div>\n<div><p style=\"margin:0;color:#0d1f2d;font-size:.95rem;line-height:1.6\"><strong>Install a certified lock<\/strong> \u2014 Some insurers offer discounts for approved anti-theft systems.<\/p><\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:20px\">\n<div style=\"min-width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem\">4<\/div>\n<div><p style=\"margin:0;color:#0d1f2d;font-size:.95rem;line-height:1.6\"><strong>Maintain a good driving record<\/strong> \u2014 No accidents or tickets for 6 years = lowest possible premium.<\/p><\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:20px\">\n<div style=\"min-width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem\">5<\/div>\n<div><p style=\"margin:0;color:#0d1f2d;font-size:.95rem;line-height:1.6\"><strong>Choose a low-risk vehicle<\/strong> \u2014 Vehicles with a good claims record cost less to insure.<\/p><\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:20px\">\n<div style=\"min-width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem\">6<\/div>\n<div><p style=\"margin:0;color:#0d1f2d;font-size:.95rem;line-height:1.6\"><strong>Park in a garage<\/strong> \u2014 A vehicle parked in a closed garage costs less to insure than a vehicle on the street.<\/p><\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:20px\">\n<div style=\"min-width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem\">7<\/div>\n<div><p style=\"margin:0;color:#0d1f2d;font-size:.95rem;line-height:1.6\"><strong>Reduce your annual mileage<\/strong> \u2014 If you drive less than 15,000 km\/year, some insurers offer discounts.<\/p><\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:20px\">\n<div style=\"min-width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem\">8<\/div>\n<div><p style=\"margin:0;color:#0d1f2d;font-size:.95rem;line-height:1.6\"><strong>Opt for the annual payment<\/strong> \u2014 Paying in one installment eliminates the need for monthly splitting fees.<\/p><\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:20px\">\n<div style=\"min-width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem\">9<\/div>\n<div><p style=\"margin:0;color:#0d1f2d;font-size:.95rem;line-height:1.6\"><strong>Use a broker<\/strong> \u2014 A broker compares for you and negotiates rates that a consumer alone can&#8217;t get.<\/p><\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:20px\">\n<div style=\"min-width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem\">10<\/div>\n<div><p style=\"margin:0;color:#0d1f2d;font-size:.95rem;line-height:1.6\"><strong>Review your policy at renewal<\/strong> \u2014 Your needs change. Remove unnecessary protection on an older vehicle. <\/p><\/div>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Advantages-and-disadvantages-of-each-type-of-coverage\"><\/span>Advantages and disadvantages of each type of coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:30px 0\">\n<div style=\"background:#f0fdf4;border-radius:12px;padding:28px\">\n<h4 style=\"margin:0 0 16px;color:#166534\">Benefits of comprehensive coverage<\/h4>\n<p style=\"margin:0 0 10px;color:#475569;font-size:.95rem;line-height:1.6\">\u2713 Complete peace of mind in the event of a disaster<\/p>\n<p style=\"margin:0 0 10px;color:#475569;font-size:.95rem;line-height:1.6\">\u2713 Replacement vehicle included (with QEF 27)<\/p>\n<p style=\"margin:0 0 10px;color:#475569;font-size:.95rem;line-height:1.6\">\u2713 Replacement cost possible (QEF 20)<\/p>\n<p style=\"margin:0 0 10px;color:#475569;font-size:.95rem;line-height:1.6\">\u2713 Protection against theft, vandalism and weather<\/p>\n<p style=\"margin:0;color:#475569;font-size:.95rem;line-height:1.6\">\u2713 Better protection when financing or leasing<\/p>\n<\/div>\n<div style=\"background:#fef2f2;border-radius:12px;padding:28px\">\n<h4 style=\"margin:0 0 16px;color:#991b1b\">Disadvantages to consider<\/h4>\n<p style=\"margin:0 0 10px;color:#475569;font-size:.95rem;line-height:1.6\">\u26a0 Higher annual premium<\/p>\n<p style=\"margin:0 0 10px;color:#475569;font-size:.95rem;line-height:1.6\">\u26a0 Deductible to be paid on each claim<\/p>\n<p style=\"margin:0 0 10px;color:#475569;font-size:.95rem;line-height:1.6\">\u26a0 Some unnecessary coverage on an older vehicle<\/p>\n<p style=\"margin:0 0 10px;color:#475569;font-size:.95rem;line-height:1.6\">\u26a0 Claims can increase your future premiums<\/p>\n<p style=\"margin:0;color:#475569;font-size:.95rem;line-height:1.6\">\u26a0 Replacement cost has a limited duration (2 to 5 years)<\/p>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Popular-Car-Insurance-Companies-in-Quebec\"><\/span>Popular Car Insurance Companies in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:30px 0\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden\">\n<thead>\n<tr style=\"background:#0d1f2d;color:#fff\">\n<th style=\"padding:14px 18px;text-align:left;font-weight:600\">Insurer<\/th>\n<th style=\"padding:14px 18px;text-align:left;font-weight:600\">Price<\/th>\n competitiveness<th style=\"padding:14px 18px;text-align:left;font-weight:600\">Highlights<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><a href=\"https:\/\/www.assur360.ca\/en\/the-unique-3-minute-submission\/\" style=\"color:#10c4c7;text-decoration:none;font-weight:600\">L&#8217;Unique \/ Beneva<\/a><\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Excellent<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Best prices via brokers, extensive network<\/td><\/tr>\n<tr><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><a href=\"\/assurance-promutuel\/\" style=\"color:#10c4c7;text-decoration:none;font-weight:600\">Promutuel<\/a><\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Very good<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Mutualist approach, advantageous prices in the regions<\/td><\/tr>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><a href=\"\/intact-assurance\/\" style=\"color:#10c4c7;text-decoration:none;font-weight:600\">Intact Insurance<\/a><\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Good<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Canada&#8217;s largest insurer, fast service<\/td><\/tr>\n<tr><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/pafco-insurance-home-auto\/\" style=\"color:#10c4c7;text-decoration:none;font-weight:600\">Pafco<\/a><\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Bonne<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Specialist in non-standard cases<\/td><\/tr>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><a href=\"\/assurance-aviva\/\" style=\"color:#10c4c7;text-decoration:none;font-weight:600\">Aviva Canada<\/a><\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Good<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Business  Niche Solutions, Mobile App<\/td><\/tr>\n<tr><td style=\"padding:12px 18px\"><a href=\"\/assurance-wawanesa\/\" style=\"color:#10c4c7;text-decoration:none;font-weight:600\">Wawanesa<\/a><\/td><td style=\"padding:12px 18px\">Good<\/td><td style=\"padding:12px 18px\">Good price for home and comprehensive<\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Broker-vs-Agent-vs-Direct-Whats-the-Difference\"><\/span>Broker vs. Agent vs. Direct: What&#8217;s the Difference?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>When it comes to choosing how to buy your car insurance, there are three options available to you. The <strong>insurance broker<\/strong> is independent: he works for you, not for the insurer. It compares the offers of several companies and recommends the best one. The <strong>insurance agent<\/strong> represents a single insurer and can only offer you products from that company. <strong>Direct insurance<\/strong> (without intermediaries) may seem simpler, but you lose the expertise of a professional who knows the intricacies of the market.    <\/p>\n\n<p>At Assur360, our <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/\">certified brokers<\/a> compare offers from more than 9 insurers to find the best coverage at the best price. The service is free for the consumer: it is the insurer who pays the broker. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Car-insurance-in-Quebec-prices-by-region\"><\/span>Car insurance in Quebec: prices by region<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Car insurance premiums vary depending on the region where you live. Urban areas with high traffic and high theft rates generally cost more than rural areas. Here&#8217;s a look at the trends by region:  <\/p>\n\n<p><strong>In Montreal<\/strong>, premiums are among the highest in Quebec due to the density of traffic, the rate of vehicle theft and the high number of claims. In <strong>Quebec City<\/strong>, fares are more moderate while remaining urban. <strong>Laval<\/strong> and <strong>Longueuil<\/strong> are in between, with premiums influenced by the proximity to Montreal. In <strong>Gatineau<\/strong>, premiums are generally advantageous, similar to those in the Outaouais. In <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>, drivers benefit from lower premiums thanks to a less risky road environment. Residents of <strong>Rimouski<\/strong> and remote areas often benefit from the best rates in Quebec.    <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Useful-links-for-your-car-insurance\"><\/span>Useful links for your car insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:30px 0\">\n<a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\" style=\"display:block;padding:20px 24px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;text-decoration:none;color:#0d1f2d;font-weight:600;transition:border-color .2s\">Car insurance \u2192<\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-2\/\" style=\"display:block;padding:20px 24px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;text-decoration:none;color:#0d1f2d;font-weight:600;transition:border-color .2s\">Car insurance quote \u2192<\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\" style=\"display:block;padding:20px 24px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;text-decoration:none;color:#0d1f2d;font-weight:600;transition:border-color .2s\">Home insurance \u2192<\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/\" style=\"display:block;padding:20px 24px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;text-decoration:none;color:#0d1f2d;font-weight:600;transition:border-color .2s\">Find a \u2192<\/a>\n broker<a href=\"\/assurance-auto-pas-cher\/\" style=\"display:block;padding:20px 24px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;text-decoration:none;color:#0d1f2d;font-weight:600;transition:border-color .2s\">Cheap car insurance \u2192<\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/insurance-company-3\/\" style=\"display:block;padding:20px 24px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;text-decoration:none;color:#0d1f2d;font-weight:600;transition:border-color .2s\">Insurance Companies QC \u2192<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-car-insurance\"><\/span>Frequently asked questions about car insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:30px 0\">\n\n<details id=\"assurance-voiture-obligatoire-quebec\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden\">\n<summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d\">Is car insurance mandatory in Quebec?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.7\">Yes, motor vehicle liability is mandatory in Quebec with a legal minimum of $50,000. Driving without valid insurance is an offence punishable by fines of $325 to $2,175 and seizure of the vehicle. The SAAQ automatically covers bodily injury, but private insurance for civil liability and property damage must be taken out with an insurer.  <\/div>\n<\/details>\n\n<details id=\"prix-moyen-assurance-voiture-quebec\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden\">\n<summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d\">What is the average price of car insurance in Quebec in 2026?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.7\">In 2026, the average car insurance premium in Quebec is between $700 and $1,400 per year. This amount varies depending on your age, your driving record, the type of vehicle, the region and the coverage you choose. Quebec remains one of the most affordable provinces in Canada for car insurance.  <\/div>\n<\/details>\n\n<details id=\"comment-reduire-prime-assurance-auto\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden\">\n<summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d\">How can I reduce my car insurance premium?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.7\">There are several effective strategies: combine car and home (5-15% discount), increase your deductible, maintain a good driving record, install a lock, reduce your annual mileage and go through a broker who compares the offers of several insurers. Reviewing your policy at renewal also allows you to remove coverage that is no longer needed. <\/div>\n<\/details>\n\n<details id=\"difference-saaq-assureur-prive\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden\">\n<summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d\">What is the difference between the SAAQ and a private insurer?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.7\">The SAAQ is a public body that automatically covers the bodily injuries of all road users, regardless of their liability. The private insurer covers civil liability (property damage caused to others) and damage to your own vehicle. The two types of coverage are complementary and necessary.  <\/div>\n<\/details>\n\n<details id=\"avenant-valeur-neuf-necessaire\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden\">\n<summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d\">Is the replacement cost endorsement (QEF 20) required?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.7\">For a vehicle less than 3 years old, it is strongly recommended. Without this endorsement, in the event of a total loss, you will receive the depreciated value of the vehicle, which can be 30% to 50% less than the purchase price. The QEF 20 endorsement allows you to obtain an equivalent new vehicle. The additional cost is usually modest compared to the coverage offered.   <\/div>\n<\/details>\n\n<details id=\"assurance-auto-jeune-conducteur\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden\">\n<summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d\">How much does car insurance cost for a young driver?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.7\">Young drivers (16-25 years old) generally pay between $1,800 and $4,000 per year, which is 2 to 3 times more than the average. Insurers consider new drivers to be statistically more risky. To keep the cost down, add yourself to your parents&#8217; policy, choose a low-risk vehicle, and maintain an impeccable driving record.  <\/div>\n<\/details>\n\n<details id=\"franchise-assurance-auto-expliquer\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden\">\n<summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d\">How does the deductible work in car insurance?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.7\">The deductible is the amount you pay out of pocket before the insurer intervenes. For example, with a $500 deductible and $3,000 in damages, you pay $500 and the insurer pays $2,500. The higher the deductible, the lower the premium. The common deductibles in Quebec are $250, $500 and $1,000.   <\/div>\n<\/details>\n\n<details id=\"constat-amiable-quand-remplir\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden\">\n<summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d\">When do I have to fill out a joint report?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.7\">The joint report must be completed in the event of any accident involving two vehicles, even a minor one. It is a crucial document for insurance claims. Fill it out at the scene of the accident with the other driver. Make a note of the circumstances, visible damage, and contact information for the other party. The e-Constat application is available free of charge to facilitate the process.    <\/div>\n<\/details>\n\n<details id=\"assurance-voiture-location\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden\">\n<summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d\">Does my insurance cover a rental vehicle?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.7\">In general, your car insurance policy covers the rental vehicle in the same way as your personal vehicle, with the same coverage and deductibles. Check with your broker to see if a specific endorsement is required. Some credit cards also offer additional coverage, but it is often limited in duration and amount.  <\/div>\n<\/details>\n\n<details id=\"courtier-assurance-avantage\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden\">\n<summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d\">Why should I go through a broker for my car insurance?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.7\">The broker is independent and works for you, not for the insurer. He compares the offers of several companies, negotiates the best prices and advises you according to your situation. In the event of a claim, he or she will assist you in the claims process. The service is free for the consumer, as it is the insurer that pays the broker via a commission.   <\/div>\n<\/details>\n\n<\/div>\n\n<div style=\"background:#f0fdfa;border-radius:12px;padding:32px;margin:40px 0\">\n<h3 style=\"color:#0d1f2d;margin:0 0 20px\">Why trust Assur360?<\/h3>\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px\">\n<div>\n<div style=\"color:#10c4c7;font-size:1.3rem;margin-bottom:6px\">\u2713<\/div>\n<p style=\"margin:0;color:#475569;font-size:.9rem;line-height:1.6\"><strong>AMF Certified<\/strong> \u2014 Firm registered with the Autorit\u00e9 des march\u00e9s financiers du Qu\u00e9bec (No. 2000037336)<\/p>\n<\/div>\n<div>\n<div style=\"color:#10c4c7;font-size:1.3rem;margin-bottom:6px\">\u2713<\/div>\n<p style=\"margin:0;color:#475569;font-size:.9rem;line-height:1.6\"><strong>ChAD Member<\/strong> \u2014 Chambre de l&#8217;assurance de dommages (Chamber of Damage Insurance, a guarantee of professionalism and ethics)<\/p>\n<\/div>\n<div>\n<div style=\"color:#10c4c7;font-size:1.3rem;margin-bottom:6px\">\u2713<\/div>\n<p style=\"margin:0;color:#475569;font-size:.9rem;line-height:1.6\"><strong>100,000+ quotes<\/strong> \u2014 More than 30 years of experience in damage insurance in Quebec<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<div style=\"text-align:center;padding:40px 0\">\n<h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.5rem\">Ready to compare your car insurance?<\/h3>\n<p style=\"color:#64748b;margin:0 0 24px\">Get your free quote in 3 minutes<\/p>\n<div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap\">\n<a href=\"https:\/\/www.assur360.ca\/en\/quote-insurance-product\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;font-size:1rem\">Compare Now<\/a>\n<a href=\"tel:+18663574451\" style=\"display:inline-block;border:2px solid #0d1f2d;color:#0d1f2d;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;font-size:1rem\">1-866-357-4451<\/a>\n<\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/assurance\/voiture\/#article\",\"headline\":\"Assurance voiture au Quebec \u2014 Prix 2026, protections et comparaison\",\"url\":\"https:\/\/www.assur360.ca\/blog\/assurance\/voiture\/\",\"datePublished\":\"2024-04-02T22:47:59\",\"dateModified\":\"2026-04-17T10:00:00\",\"author\":{\"@type\":\"Person\",\"name\":\"Jean Boissonneault\",\"url\":\"https:\/\/www.assur360.ca\/blog\/author\/admin\/\",\"description\":\"Jean Boissonneault est courtier d'assurance de dommages associe depuis plus de 30 ans au Quebec et proprietaire d'Assur360.\",\"hasCredential\":{\"@type\":\"EducationalOccupationalCredential\",\"credentialCategory\":\"Permis de cabinet en assurance de dommages\",\"recognizedBy\":{\"@type\":\"Organization\",\"name\":\"Autorite des marches financiers\",\"url\":\"https:\/\/lautorite.qc.ca\"}}},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"width\":200,\"height\":60}},\"inLanguage\":\"fr-CA\",\"isPartOf\":{\"@type\":\"WebSite\",\"url\":\"https:\/\/www.assur360.ca\",\"name\":\"Assur360\"},\"description\":\"Comparez l'assurance voiture au Quebec en 2026. Prix moyens, protections essentielles et 10 astuces pour economiser. Soumission gratuite en 3 minutes.\"}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/assurance\/voiture\/#faq\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"L'assurance voiture est-elle obligatoire au Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, la responsabilite civile automobile est obligatoire au Quebec avec un minimum legal de 50 000$. Conduire sans assurance valide est une infraction passible d'amendes de 325$ a 2 175$ et de la saisie du vehicule.\"}},{\"@type\":\"Question\",\"name\":\"Quel est le prix moyen de l'assurance voiture au Quebec en 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En 2026, la prime moyenne d'assurance auto au Quebec se situe entre 700$ et 1 400$ par annee selon le profil du conducteur, le type de vehicule et la region.\"}},{\"@type\":\"Question\",\"name\":\"Comment reduire ma prime d'assurance auto?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Regrouper auto et habitation (5-15% de rabais), augmenter votre franchise, maintenir un bon dossier de conduite, installer un antivol et passer par un courtier qui compare les offres de plusieurs assureurs.\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la difference entre la SAAQ et un assureur prive?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La SAAQ couvre automatiquement les blessures corporelles. L'assureur prive couvre la responsabilite civile et les dommages materiels a votre vehicule. Les deux couvertures sont complementaires.\"}},{\"@type\":\"Question\",\"name\":\"L'avenant valeur a neuf (QEF 20) est-il necessaire?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour un vehicule de moins de 3 ans, c'est fortement recommande. Sans cet avenant, en cas de perte totale, vous recevrez la valeur depreciee, soit 30% a 50% de moins que le prix d'achat.\"}},{\"@type\":\"Question\",\"name\":\"Combien coute l'assurance auto pour un jeune conducteur?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les jeunes conducteurs (16-25 ans) paient generalement entre 1 800$ et 4 000$ par annee, soit 2 a 3 fois plus que la moyenne.\"}},{\"@type\":\"Question\",\"name\":\"Comment fonctionne la franchise en assurance auto?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La franchise est le montant que vous payez de votre poche avant que l'assureur n'intervienne. Plus la franchise est elevee, plus la prime est basse. Les franchises courantes au Quebec sont 250$, 500$ et 1 000$.\"}},{\"@type\":\"Question\",\"name\":\"Quand dois-je remplir un constat amiable?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Lors de tout accident impliquant deux vehicules, meme mineur. Remplissez-le sur les lieux avec l'autre conducteur. L'application e-Constat est disponible gratuitement.\"}},{\"@type\":\"Question\",\"name\":\"Mon assurance couvre-t-elle un vehicule de location?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En general, votre police couvre le vehicule de location au meme titre que votre vehicule personnel, avec les memes protections et franchises. Verifiez avec votre courtier.\"}},{\"@type\":\"Question\",\"name\":\"Pourquoi passer par un courtier pour mon assurance voiture?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le courtier est independant et compare les offres de plusieurs compagnies. Il negocie les meilleurs prix et vous accompagne en cas de sinistre. Le service est gratuit pour le consommateur.\"}}]}\n<\/script>\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\":\"Blog\",\"item\":\"https:\/\/www.assur360.ca\/blog\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance\",\"item\":\"https:\/\/www.assur360.ca\/blog\/assurance\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Assurance voiture au Quebec\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>CAR INSURANCE Car insurance in Quebec: 2026 prices, coverage and comparison Compare car insurance offers in Quebec in minutes. 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