{"id":20016,"date":"2021-03-16T09:39:09","date_gmt":"2021-03-16T13:39:09","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/electric-vehicle-insurance\/"},"modified":"2026-06-26T00:59:28","modified_gmt":"2026-06-26T04:59:28","slug":"electric-vehicle-insurance","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/electric-vehicle-insurance\/","title":{"rendered":"Electric vehicle insurance"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/comparateur\/assurance-vehicule-electrique\/#article\", \"headline\": \"Electric Vehicle Insurance\", \"url\": \"https:\/\/www.assur360.ca\/blog\/comparateur\/assurance-vehicule-electrique\/\", \"datePublished\": \"2021-03-16T09:39:09\", \"dateModified\": \"2026-03-27T12:44:02\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/admin\/\", \"description\": \"Jean Boissonneault, certified AMF insurance broker (n\u00ba 2000037336), has owned Assur360 for over 30 years.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Property and Casualty Insurance Firm License (n\u00ba 2000037336)\", \"recognizedBy\": {\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s 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\"}}, \"inLanguage\": \"fr-CA\", \"description\": \"How much does it cost to insure an electric vehicle in Quebec? Comparison of EV vs gasoline, eco-friendly discounts, battery coverage. Free quote.\"}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px 36px;margin:32px auto;box-shadow:0 10px 30px rgba(13,31,45,0.18);max-width:100%;\">\n  <div style=\"display:flex;gap:32px;align-items:center;justify-content:center;flex-wrap:wrap;\">\n    <div style=\"flex:1 1 380px;min-width:280px;text-align:left;\">\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:3px;margin:0 0 10px;\">AUTOMOTIVE<\/p>\n      <p style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 12px;line-height:1.25;font-family:inherit;\">Car quote in 3 minutes<\/p>\n      <p style=\"color:#94a3b8;font-size:16px;line-height:1.6;margin:0 0 22px;\">AMF Brokers. Best car prices in Quebec compared for you. <\/p>\n      <div style=\"display:flex;gap:10px;flex-wrap:wrap;\">\n        <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">Get started<\/a>\n        <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-866-357-4451<\/a>\n      <\/div>\n    <\/div>\n    <div style=\"flex:0 0 240px;text-align:center;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/orso-le-courtier-assurance-auto.png\" alt=\"Orso, Assur360 car insurance broker\" style=\"max-width:240px;width:100%;height:auto;display:block;margin:0 auto;filter:drop-shadow(0 6px 16px rgba(16,196,199,0.3));\" loading=\"lazy\"\/><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\"><strong>Electric vehicle insurance in Quebec<\/strong> covers the same coverage as traditional auto insurance \u2014 civil liability, collision, all-risk \u2014 but with particularities specific to electric and plug-in hybrid vehicles. In Quebec, the EV market is exploding: more than 250,000 electric and plug-in hybrid vehicles are on our roads, and this number is increasing by about 50% each year. With the Quebec government&#8217;s <a href=\"https:\/\/vehiculeselectriques.gouv.qc.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">Roulez vert<\/a> program and the most developed network of charging stations in Canada, more and more Quebecers are making the switch to electric. But this transition raises an important question: <strong>how much does it cost to insure an electric vehicle?<\/strong>   <\/p>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/electric-vehicle-insurance\/#Does-EV-insurance-cost-more-in-Quebec\" >Does EV insurance cost more in Quebec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/electric-vehicle-insurance\/#Insurance-Cost-Comparison-EV-vs-Gas-in-Quebec\" >Insurance Cost Comparison: EV vs. Gas in Quebec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/electric-vehicle-insurance\/#Essential-Insurance-Coverages-for-an-EV\" >Essential Insurance Coverages for an EV<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/electric-vehicle-insurance\/#How-to-save-on-your-electric-vehicle-insurance\" >How to save on your electric vehicle insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/electric-vehicle-insurance\/#The-most-popular-EV-models-in-Quebec-in-2026\" >The most popular EV models in Quebec in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/electric-vehicle-insurance\/#EV-Incentives-and-Financial-Benefits-in-Quebec\" >EV Incentives and Financial Benefits in Quebec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/electric-vehicle-insurance\/#Battery-and-insurance-what-you-need-to-know\" >Battery and insurance: what you need to know<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/electric-vehicle-insurance\/#Free-electric-vehicle-insurance-quote\" >Free electric vehicle insurance quote<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does-EV-insurance-cost-more-in-Quebec\"><\/span>Does EV insurance cost more in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In general, <strong>yes<\/strong> \u2014 insuring an electric vehicle costs between 10 and 25 percent more than a comparable gasoline-powered vehicle. This difference can be explained by three main factors: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Higher purchase price<\/strong> \u2014 an EV costs an average of $10,000 to $15,000 more than its gasoline-powered equivalent, which increases the cost of replacement<\/li>\n\n\n\n<li><strong>Battery repair cost<\/strong> \u2014 replacing a lithium-ion battery can cost between $8,000 and $25,000, a risk that insurers factor into the premium<\/li>\n\n\n\n<li><strong>Specialized parts and labour<\/strong> \u2014 certified technicians for EVs are still scarce, and parts cost more than for conventional vehicles<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">However, there are several factors that can <strong>significantly reduce<\/strong> your premium. An <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/car-insurance-broker-comparator\/\">insurance broker<\/a> can identify insurers that offer EV-specific discounts and save you money. <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">Get your free quote<\/a> to compare. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Insurance-Cost-Comparison-EV-vs-Gas-in-Quebec\"><\/span>Insurance Cost Comparison: EV vs. Gas in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Here is a rough comparison of the annual insurance premiums for the most popular models in Quebec. The amounts vary depending on your profile, your region and your coverage. <\/p>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Electric model<\/th><th>Estimated annual premium<\/th><th>Fuel equivalent<\/th><th>Estimated annual premium<\/th><th>Variance<\/th><\/tr><\/thead><tbody><tr><td><strong>Tesla Model 3<\/strong><\/td><td>$1,400 \u2013 $1,800<\/td><td>BMW 3 Series<\/td><td>$1,200 \u2013 $1,500<\/td><td>+15 to 20%<\/td><\/tr><tr><td><strong>Tesla Model Y<\/strong><\/td><td>$1,500 \u2013 $2,000<\/td><td>Toyota RAV4<\/td><td>$1,100 \u2013 $1,400<\/td><td>+20 to 30%<\/td><\/tr><tr><td><strong>Hyundai Kona Electric<\/strong><\/td><td>$1,100 \u2013 $1,400<\/td><td>Hyundai Kona petrol<\/td><td>$950 \u2013 $1,200<\/td><td>+10 to 15%<\/td><\/tr><tr><td><strong>Chevrolet Equinox EV<\/strong><\/td><td>$1,200 \u2013 $1,500<\/td><td>Chevrolet Equinox<\/td><td>$1,000 \u2013 $1,300<\/td><td>+15 to 20%<\/td><\/tr><tr><td><strong>Nissan Leaf<\/strong><\/td><td>$900 \u2013 $1,200<\/td><td>Nissan Sentra<\/td><td>$850 \u2013 $1,100<\/td><td>+5 to 10%<\/td><\/tr><tr><td><strong>Kia EV6<\/strong><\/td><td>$1,300 \u2013 $1,700<\/td><td>Kia Sportage<\/td><td>$1,050 \u2013 $1,350<\/td><td>+20 to 25%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><em>Note: These estimates are based on a 35-year-old driver, good record, Montreal area, comprehensive coverage with a $500 deductible. Actual premiums vary depending on your profile. <\/em><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-Insurance-Coverages-for-an-EV\"><\/span>Essential Insurance Coverages for an EV<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In Quebec, <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">the auto insurance<\/a> plan covers bodily injury through the <a href=\"https:\/\/saaq.gouv.qc.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">SAAQ<\/a>, but property damage requires private insurance. Here are the coverages that are particularly important for EV owners: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Civil liability (Chapter A)<\/strong> \u2014 mandatory in Quebec, minimum $50,000 (recommended $2,000,000). Covers damage caused to others <\/li>\n\n\n\n<li><strong>All perils (Chapter B1)<\/strong> \u2014 essential for a new EV, covers collision + theft + vandalism + bad weather + fire<\/li>\n\n\n\n<li><strong>Endorsement FAQ 27 (replacement value)<\/strong> \u2014 crucial for an EV. In the event of a total loss, you receive the amount to buy an equivalent new vehicle, without depreciation <\/li>\n\n\n\n<li><strong>Endorsement FAQ 43 (Compensation Amendment)<\/strong> \u2014 eliminates depreciation on parts during a repair, especially useful given the high cost of EV parts<\/li>\n\n\n\n<li><strong>Battery coverage<\/strong> \u2014 check that your policy explicitly covers battery replacement in the event of accidental damage (not just wear and tear)<\/li>\n\n<li><strong>Home charging station<\/strong> \u2014 some <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home insurance<\/a> policies cover the charging station installed at home. Ask your insurance broker <\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-save-on-your-electric-vehicle-insurance\"><\/span>How to save on your electric vehicle insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Despite the generally higher premiums, there are several strategies that can significantly reduce the cost of your EV insurance in Quebec:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Eco-friendly rebate<\/strong> \u2014 some insurers offer a 5 to 10% rebate specifically for electric and hybrid vehicles<\/li>\n\n\n\n<li><strong>Multi-product discount<\/strong> \u2014 bundle your <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home + auto<\/a> insurance to save 5-15% on each policy<\/li>\n\n\n\n<li><strong>Telematics<\/strong> \u2014 EVs are a natural fit for connected driving programs. Your smooth and economical driving will be rewarded <\/li>\n\n\n\n<li><strong>Higher deductible<\/strong> \u2014 going from $500 to $1,000 can reduce your premium by 10 to 15 percent<\/li>\n\n\n\n<li><strong>Anti-theft device<\/strong> \u2014 EVs are less stolen than gasoline-powered vehicles, but a certified device can still reduce the premium<\/li>\n\n\n\n<li><strong>Shop with a broker<\/strong> \u2014 an <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/car-insurance-broker-comparator\/\">auto insurance broker<\/a> compares offers from dozens of insurers to find the best price for your specific profile<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\" target=\"_blank\" rel=\"noreferrer noopener\">Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a> recommends that you always compare at least three offers before subscribing. With Assur360, our brokers make this comparison for you. <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">Request your free quote<\/a>. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-most-popular-EV-models-in-Quebec-in-2026\"><\/span>The most popular EV models in Quebec in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Quebec is the Canadian champion in the adoption of electric vehicles, thanks to government incentives and the low cost of electricity. Here are the best-selling models and their insurance features: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Tesla Model 3 \/ Model Y<\/strong> \u2014 the best-selling in Quebec. Higher premiums due to repair cost and Tesla-specific safety rating <\/li>\n\n\n\n<li><strong>Hyundai Kona Electric \/ Ioniq 5<\/strong> \u2014 great value, generally lower premiums than Tesla<\/li>\n\n\n\n<li><strong>Chevrolet Equinox EV \/ Bolt (discontinued)<\/strong> \u2014 competitive insurance rates thanks to the well-established GM repair network in Quebec<\/li>\n\n\n\n<li><strong>Kia EV6 \/ EV9<\/strong> \u2014 performance vehicles with generous battery warranty (10 years \/ 160,000 km)<\/li>\n\n\n\n<li><strong>Nissan Leaf \/ Ariya<\/strong> \u2014 the Leaf remains the most affordable option to insure among EVs<\/li>\n\n\n\n<li><strong>Ford Mustang Mach-E \/ F-150 Lightning<\/strong> \u2014 the Lightning is a special case: electric truck = higher premium<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EV-Incentives-and-Financial-Benefits-in-Quebec\"><\/span>EV Incentives and Financial Benefits in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Beyond insurance, owning an electric vehicle in Quebec offers considerable financial advantages that more than compensate for the additional insurance premium:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Drive Green Program<\/strong> \u2014 purchase rebate of up to $7,000 (provincial) + up to $5,000 (federal iZEV)<\/li>\n\n\n\n<li><strong>Fuel savings<\/strong> \u2014 charging an EV costs about $300 to $500 per year in Quebec, compared to $2,000 to $3,000 for gasoline for a comparable vehicle<\/li>\n\n\n\n<li><strong>Low maintenance<\/strong> \u2014 no oil changes, less stressed brake pads (regenerative braking), no exhaust system<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/lecircuitelectrique.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Electric Circuit<\/a> charging station network<\/strong> \u2014 more than 7,500 public charging stations in Quebec, the densest network in Canada<\/li>\n\n\n\n<li><strong>Access to reserved lanes<\/strong> \u2014 green plate = access to reserved lanes for electric vehicles on highways<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Including all these savings, an EV owner in Quebec saves an average of <strong>$2,000 to $4,000 per year<\/strong> in operating costs compared to a gas-powered vehicle, even when factoring in the higher insurance premium.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Battery-and-insurance-what-you-need-to-know\"><\/span>Battery and insurance: what you need to know<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The battery is the most expensive component of an electric vehicle, accounting for 30 to 40% of the vehicle&#8217;s value. It is also the element that has the most impact on your insurance premium. Here are the essential points to discuss with your insurance broker:  <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Manufacturer&#8217;s Warranty<\/strong> \u2014 Most manufacturers offer an 8-10 year or 160,000 km battery warranty. During this period, the risk for the insurer is lower <\/li>\n\n\n\n<li><strong>Accidental Damage vs. Degradation<\/strong> \u2014 insurance covers damage caused by an accident, but NOT normal degradation of battery capacity<\/li>\n\n\n\n<li><strong>Total loss<\/strong> \u2014 minor damage to the battery can result in a total loss of the vehicle if the replacement cost exceeds the value of the vehicle. Amendment FAQ 27 is crucial here <\/li>\n\n\n\n<li><strong>Battery fire<\/strong> \u2014 lithium-ion battery fires are rare but complex to manage. Your standard fire coverage applies <\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Free-electric-vehicle-insurance-quote\"><\/span>Free electric vehicle insurance quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Yes, <strong>accidental damage<\/strong> to the battery (collision, fire, flooding) is covered by your comprehensive insurance. However, <strong>normal degradation<\/strong> of capacity is not covered \u2014 that falls under the manufacturer&#8217;s warranty (8-10 years \/ 160,000 km for most brands).<\/p>\n<\/details>\n<!-- \/wp:post-content -->\n\n<!-- wp:details {\"placeholder\":\"Type a question\",\"translatedWithWPMLTM\":\"1\"} -->\n<details id=\"rabais-assurance-ve\" class=\"wp-block-details\"><summary>Are there insurance discounts for electric vehicles?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>Yes. Some Quebec insurers offer an <strong>eco-friendly discount of 5 to 10%<\/strong> for EVs. You can also benefit from multi-product discounts (auto + home), telematics, and a higher deductible to reduce your premium.<\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details -->\n\n<!-- wp:details {\"placeholder\":\"Type a question\",\"translatedWithWPMLTM\":\"1\"} -->\n<details id=\"tesla-assurance-chere\" class=\"wp-block-details\"><summary>Why is Tesla insurance more expensive?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>Teslas have <strong>high repair costs<\/strong> due to their aluminum body, embedded technology (cameras, sensors), and limited repair network (Tesla authorized centers only). The Model Y and Model 3 are among the most expensive EVs to insure in Quebec.<\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details -->\n\n<!-- wp:details {\"placeholder\":\"Type a question\",\"translatedWithWPMLTM\":\"1\"} -->\n<details id=\"ve-moins-cher-assurer\" class=\"wp-block-details\"><summary>What is the cheapest electric vehicle to insure?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>The <strong>Nissan Leaf<\/strong> is generally the cheapest EV to insure in Quebec, with premiums ranging from $900 to $1,200 per year. The Hyundai Kona Electric is also an affordable option. These models benefit from a well-established repair network and reasonable parts costs.<\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details -->\n\n<!-- wp:details {\"placeholder\":\"Type a question\",\"translatedWithWPMLTM\":\"1\"} -->\n<details id=\"borne-recharge-assurance\" class=\"wp-block-details\"><summary>Is my home charging station covered?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>Your residential charging station (level 2) is generally covered by your <strong>home insurance<\/strong> as equipment fixed to the building. Check with your broker to ensure the value of the station is included in your coverage and that electrical damage is covered.<\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details -->\n\n<!-- wp:details {\"placeholder\":\"Type a question\",\"translatedWithWPMLTM\":\"1\"} -->\n<details id=\"avenant-faq-27-ve\" class=\"wp-block-details\"><summary>Is the FAQ 27 endorsement important for an EV?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p><strong>Yes, highly recommended.<\/strong> The FAQ 27 endorsement (replacement value) is crucial for EVs because minor damage to the battery can result in a total loss. Without this endorsement, you would receive the depreciated value of the vehicle instead of the amount to buy a new one.<\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details -->\n\n<!-- wp:details {\"placeholder\":\"Type a question\",\"translatedWithWPMLTM\":\"1\"} -->\n<details id=\"hybride-vs-electrique-assurance\" class=\"wp-block-details\"><summary>Does insurance for a hybrid cost as much as a 100% electric vehicle?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>No. <strong>Plug-in hybrids<\/strong> (PHEVs) generally cost <strong>5 to 15% less<\/strong> to insure than a 100% electric EV, as their battery is smaller (less expensive to replace) and they also use a traditional gasoline engine, which is easier to repair.<\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details -->\n\n<!-- wp:details {\"placeholder\":\"Type a question\",\"translatedWithWPMLTM\":\"1\"} -->\n<details id=\"ve-vol-quebec\" class=\"wp-block-details\"><summary>Are electric vehicles stolen more often?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p><strong>No<\/strong>, on the contrary. EVs are generally <strong>less targeted by thieves<\/strong> than popular gasoline SUVs (Honda CR-V, Lexus RX, Toyota Highlander). Their built-in geolocation system and the difficulty of easily reselling the battery make them less attractive for theft.<\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details -->\n\n<!-- wp:details {\"placeholder\":\"Type a question\",\"translatedWithWPMLTM\":\"1\"} -->\n<details id=\"economie-totale-ve\" class=\"wp-block-details\"><summary>How much can you save overall with an EV in Quebec?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>Even considering the higher insurance premium, an EV owner in Quebec saves on average <strong>$2,000 to $4,000 per year<\/strong> due to fuel savings ($300-$500 vs $2,000-$3,000 for gasoline), reduced maintenance, and government incentives.<\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details --><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>Yes, <strong>accidental damage<\/strong> to the battery (collision, fire, flood) is covered by your comprehensive insurance. However, <strong>normal capacity degradation<\/strong> is not covered \u2014 the manufacturer&#8217;s warranty applies (8-10 years \/ 160,000 km for most brands). <\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details -->\n\n<!-- wp:details {\"placeholder\":\"Type a question\",\"translatedWithWPMLTM\":\"1\"} -->\n<details id=\"rabais-assurance-ve\" class=\"wp-block-details\"><summary>Are there insurance discounts for electric vehicles?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>Yes. Some Quebec insurers offer an <strong>eco-friendly discount of 5 to 10%<\/strong> for EVs. You can also take advantage of the multi-product discount (car + home), telematics and a higher deductible to reduce your premium. <\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details -->\n\n<!-- wp:details {\"placeholder\":\"Type a question\",\"translatedWithWPMLTM\":\"1\"} -->\n<details id=\"tesla-assurance-chere\" class=\"wp-block-details\"><summary>Why is Tesla insurance more expensive?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>Teslas have <strong>high repair costs<\/strong> due to their aluminum bodywork, on-board technology (cameras, sensors), and limited repair network (Tesla Authorized Centers only). The Model Y and Model 3 are among the most expensive EVs to insure in Quebec. <\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details -->\n\n<!-- wp:details {\"placeholder\":\"Type a question\",\"translatedWithWPMLTM\":\"1\"} -->\n<details id=\"ve-moins-cher-assurer\" class=\"wp-block-details\"><summary>What is the cheapest electric vehicle to insure?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>The <strong>Nissan Leaf<\/strong> is generally the cheapest EV to insure in Quebec, with premiums ranging from $900 to $1,200 per year. The Hyundai Kona Electric is also an affordable option. These models benefit from a well-established repair network and a reasonable cost of parts.  <\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details -->\n\n<!-- wp:details {\"placeholder\":\"Type a question\",\"translatedWithWPMLTM\":\"1\"} -->\n<details id=\"borne-recharge-assurance\" class=\"wp-block-details\"><summary>Is my home charging station covered?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>Your home charging station (level 2) is generally covered by your <strong>home insurance<\/strong> as equipment attached to the building. Check with your broker to make sure the value of the station is included in your coverage and that electrical damage is covered. <\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details -->\n\n<!-- wp:details {\"placeholder\":\"Type a question\",\"translatedWithWPMLTM\":\"1\"} -->\n<details id=\"avenant-faq-27-ve\" class=\"wp-block-details\"><summary>Is the FAQ 27 endorsement important for an EV?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p><strong>Yes, highly recommended.<\/strong>  The FAQ 27 (replacement value) endorsement is crucial for EVs because minor damage to the battery can result in a total loss. Without this endorsement, you would receive the depreciated value of the vehicle instead of the amount to buy a new one.<\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details -->\n\n<!-- wp:details {\"placeholder\":\"Type a question\",\"translatedWithWPMLTM\":\"1\"} -->\n<details id=\"hybride-vs-electrique-assurance\" class=\"wp-block-details\"><summary>Does the insurance of a hybrid cost as much as a 100% electric one?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>No. <strong>Plug-in hybrids<\/strong> (PHEVs) typically cost <strong>5-15% less<\/strong> to insure than a 100% electric EV because their battery is smaller (less expensive to replace) and they also use a traditional gasoline engine, which is easier to repair.<\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details -->\n\n<!-- wp:details {\"placeholder\":\"Type a question\",\"translatedWithWPMLTM\":\"1\"} -->\n<details id=\"ve-vol-quebec\" class=\"wp-block-details\"><summary>Are electric vehicles more stolen?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p><strong>No<\/strong>, on the contrary. EVs are generally <strong>less targeted by thieves than popular gasoline-powered<\/strong> SUVs (Honda CR-V, Lexus RX, Toyota Highlander). Their built-in geolocation system and the impossibility of easily reselling the battery make them less attractive for theft.  <\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details -->\n\n<!-- wp:details {\"placeholder\":\"Type a question\",\"translatedWithWPMLTM\":\"1\"} -->\n<details id=\"economie-totale-ve\" class=\"wp-block-details\"><summary>How much do you save in total with an EV in Quebec?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>Even taking into account the higher insurance premium, an EV owner in Quebec saves an average of <strong>$2,000 to $4,000 per year<\/strong> through fuel savings ($300-500 vs. $2,000-3,000 for gas), reduced maintenance, and government incentives.<\/p>\n<!-- \/wp:paragraph -->","protected":false},"excerpt":{"rendered":"<p>Electric vehicle insurance in Quebec covers the same coverage as traditional auto insurance \u2014 civil liability, collision, all-risk \u2014 but with particularities [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":41366,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Electric Vehicle Insurance in Quebec \u2014 Costs and Savings 2026 | Assur360","_seopress_titles_desc":"How much does it cost to insure an electric vehicle in Quebec? EV vs petrol comparison, eco-friendly discounts, battery coverage. Free quote.  ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"none","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Electric Vehicle Insurance in Quebec \u2014 Costs and Savings 2026 | Assur360","_seopress_social_fb_desc":"How much does it cost to insure an EV in Quebec? EV vs petrol comparison chart, discount, battery coverage. Free quote.  ","_seopress_social_fb_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/og-assurance-vehicule-electrique-quebec.jpg","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"Electric Vehicle Insurance in Quebec \u2014 Costs and Savings 2026 | Assur360","_seopress_social_twitter_desc":"How much does it cost to insure an EV in Quebec? EV vs gas comparison, eco-friendly discounts. Free quote.  ","_seopress_social_twitter_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/og-assurance-vehicule-electrique-quebec.jpg","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"categories":[89],"tags":[],"class_list":["post-20016","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-comparator-price-in-3-minutes"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/posts\/20016","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=20016"}],"version-history":[{"count":16,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/posts\/20016\/revisions"}],"predecessor-version":[{"id":43583,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/posts\/20016\/revisions\/43583"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/41366"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=20016"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/categories?post=20016"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/tags?post=20016"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}