{"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":"2026-04-03T11:25:37","modified_gmt":"2026-04-03T15:25:37","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\": \"Assurance v\u00e9hicule \u00e9lectrique\", \"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, courtier d'assurance associ\u00e9 certifi\u00e9 AMF (n\u00ba 2000037336), est propri\u00e9taire d'Assur360 depuis plus de 30 ans.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Permis de cabinet en assurance de dommages (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\": \"Combien co\u00fbte l'assurance d'un v\u00e9hicule \u00e9lectrique au Qu\u00e9bec? Comparaison V\u00c9 vs essence, rabais \u00e9coresponsables, couverture batterie. Soumission gratuite.\"}\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_83 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. A <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/car-insurance-broker-comparator\/\">car 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\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 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 per cent<\/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 a <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/car-insurance-broker-comparator\/\">car 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 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\">Do you own an electric vehicle or are you planning to buy one? Our <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/\">certified broker partners<\/a> know which insurers offer the best EV rates in Quebec. They compare offers from dozens of insurers to find you the perfect coverage \u2014 including battery protection, recommended endorsements, and eco-friendly discounts. <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">Fill out the quote form<\/a> \u2014 it&#8217;s free, fast and without obligation.  <\/p>\n\n<div class=\"wp-block-wpseopress-faq-block-v2 is-layout-flow wp-block-wpseopress-faq-block-v2-is-layout-flow\">\n<details id=\"cout-assurance-ve-plus-cher\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Does it cost to insure an electric vehicle more?<\/summary>\n<p class=\"wp-block-paragraph\">Yes, on average <strong>10 to 25% more expensive<\/strong> than a comparable petrol vehicle. This difference is explained by the higher purchase cost, the price of replacing the battery ($8,000 to $25,000) and specialized parts. However, eco-friendly discounts and a good broker can reduce this gap.  <\/p>\n<\/details>\n\n\n\n<details id=\"batterie-couverte-assurance\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is the battery covered by car insurance?<\/summary>\n<p class=\"wp-block-paragraph\">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<\/details>\n\n\n\n<details id=\"rabais-assurance-ve\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Are there insurance discounts for electric vehicles?<\/summary>\n<p class=\"wp-block-paragraph\">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<\/details>\n\n\n\n<details id=\"tesla-assurance-chere\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Why is Tesla insurance more expensive?<\/summary>\n<p class=\"wp-block-paragraph\">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<\/details>\n\n\n\n<details id=\"ve-moins-cher-assurer\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What is the cheapest electric vehicle to insure?<\/summary>\n<p class=\"wp-block-paragraph\">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<\/details>\n\n\n\n<details id=\"borne-recharge-assurance\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is my home charging station covered?<\/summary>\n<p class=\"wp-block-paragraph\">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<\/details>\n\n\n\n<details id=\"avenant-faq-27-ve\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is the FAQ 27 endorsement important for an EV?<\/summary>\n<p class=\"wp-block-paragraph\"><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<\/details>\n\n\n\n<details id=\"hybride-vs-electrique-assurance\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Does the insurance of a hybrid cost as much as a 100% electric one?<\/summary>\n<p class=\"wp-block-paragraph\">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<\/details>\n\n\n\n<details id=\"ve-vol-quebec\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Are electric vehicles more stolen?<\/summary>\n<p class=\"wp-block-paragraph\"><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<\/details>\n\n\n\n<details id=\"economie-totale-ve\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How much do you save in total with an EV in Quebec?<\/summary>\n<p class=\"wp-block-paragraph\">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. $2,000-3,000 for gas), reduced maintenance, and government incentives.<\/p>\n<\/details>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"url\":\"https:\/\/www.assur360.ca\/blog\/comparateur\/assurance-vehicule-electrique\/\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/comparateur\/assurance-vehicule-electrique\/\",\"mainEntity\":[{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/comparateur\/assurance-vehicule-electrique\/#cout-assurance-ve-plus-cher\",\"name\":\"L\\u2019assurance d\\u2019un v\\u00e9hicule \\u00e9lectrique co\\u00fbte-t-elle plus cher?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Oui, en moyenne <strong>10 \\u00e0 25% plus cher<\/strong> qu\\u2019un v\\u00e9hicule \\u00e0 essence comparable. Cet \\u00e9cart s\\u2019explique par le co\\u00fbt d\\u2019achat plus \\u00e9lev\\u00e9, le prix de remplacement de la batterie (8 000 \\u00e0 25 000$) et les pi\\u00e8ces sp\\u00e9cialis\\u00e9es. Cependant, des rabais \\u00e9coresponsables et un bon courtier peuvent r\\u00e9duire cet \\u00e9cart.<\/p>\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/comparateur\/assurance-vehicule-electrique\/#batterie-couverte-assurance\",\"name\":\"La batterie est-elle couverte par l\\u2019assurance auto?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Oui, les <strong>dommages accidentels<\/strong> \\u00e0 la batterie (collision, incendie, inondation) sont couverts par votre assurance tous risques. Cependant, la <strong>d\\u00e9gradation normale<\/strong> de la capacit\\u00e9 n\\u2019est pas couverte \\u2014 c\\u2019est la garantie du constructeur qui s\\u2019applique (8-10 ans \/ 160 000 km pour la plupart des marques).<\/p>\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/comparateur\/assurance-vehicule-electrique\/#rabais-assurance-ve\",\"name\":\"Existe-t-il des rabais d\\u2019assurance pour les v\\u00e9hicules \\u00e9lectriques?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Oui. Certains assureurs qu\\u00e9b\\u00e9cois offrent un <strong>rabais \\u00e9coresponsable de 5 \\u00e0 10%<\/strong> pour les V\\u00c9. Vous pouvez aussi b\\u00e9n\\u00e9ficier du rabais multi-produits (auto + habitation), de la t\\u00e9l\\u00e9matique et d\\u2019une franchise plus \\u00e9lev\\u00e9e pour r\\u00e9duire votre prime.<\/p>\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/comparateur\/assurance-vehicule-electrique\/#tesla-assurance-chere\",\"name\":\"Pourquoi l\\u2019assurance Tesla est-elle plus ch\\u00e8re?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Les Tesla ont des <strong>co\\u00fbts de r\\u00e9paration \\u00e9lev\\u00e9s<\/strong> en raison de leur carrosserie en aluminium, de la technologie embarqu\\u00e9e (cam\\u00e9ras, capteurs) et du r\\u00e9seau de r\\u00e9paration limit\\u00e9 (centres agr\\u00e9\\u00e9s Tesla seulement). La Model Y et la Model 3 sont parmi les V\\u00c9 les plus chers \\u00e0 assurer au Qu\\u00e9bec.<\/p>\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/comparateur\/assurance-vehicule-electrique\/#ve-moins-cher-assurer\",\"name\":\"Quel est le v\\u00e9hicule \\u00e9lectrique le moins cher \\u00e0 assurer?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>La <strong>Nissan Leaf<\/strong> est g\\u00e9n\\u00e9ralement le V\\u00c9 le moins cher \\u00e0 assurer au Qu\\u00e9bec, avec des primes de 900 \\u00e0 1 200$ par ann\\u00e9e. Le Hyundai Kona Electric est aussi une option abordable.<\/p>\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/comparateur\/assurance-vehicule-electrique\/#borne-recharge-assurance\",\"name\":\"Ma borne de recharge \\u00e0 domicile est-elle couverte?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Votre borne de recharge r\\u00e9sidentielle (niveau 2) est g\\u00e9n\\u00e9ralement couverte par votre <strong>assurance habitation<\/strong> comme \\u00e9quipement fix\\u00e9 au b\\u00e2timent.<\/p>\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/comparateur\/assurance-vehicule-electrique\/#avenant-faq-27-ve\",\"name\":\"L\\u2019avenant FAQ 27 est-il important pour un V\\u00c9?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><strong>Oui, fortement recommand\\u00e9.<\/strong> L\\u2019avenant FAQ 27 (valeur de remplacement) est crucial pour les V\\u00c9 car un dommage mineur \\u00e0 la batterie peut entra\\u00eener une perte totale.<\/p>\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/comparateur\/assurance-vehicule-electrique\/#hybride-vs-electrique-assurance\",\"name\":\"L\\u2019assurance d\\u2019un hybride co\\u00fbte-t-elle autant qu\\u2019un 100% \\u00e9lectrique?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Non. Les <strong>hybrides rechargeables<\/strong> (PHEV) co\\u00fbtent g\\u00e9n\\u00e9ralement <strong>5 \\u00e0 15% de moins<\/strong> \\u00e0 assurer qu\\u2019un V\\u00c9 100% \\u00e9lectrique.<\/p>\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/comparateur\/assurance-vehicule-electrique\/#ve-vol-quebec\",\"name\":\"Les v\\u00e9hicules \\u00e9lectriques sont-ils plus vol\\u00e9s?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><strong>Non<\/strong>, au contraire. Les V\\u00c9 sont g\\u00e9n\\u00e9ralement <strong>moins cibl\\u00e9s par les voleurs<\/strong> que les VUS \\u00e0 essence populaires.<\/p>\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/comparateur\/assurance-vehicule-electrique\/#economie-totale-ve\",\"name\":\"Combien \\u00e9conomise-t-on au total avec un V\\u00c9 au Qu\\u00e9bec?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>M\\u00eame en tenant compte de la prime d\\u2019assurance plus \\u00e9lev\\u00e9e, un propri\\u00e9taire de V\\u00c9 au Qu\\u00e9bec \\u00e9conomise en moyenne <strong>2 000 \\u00e0 4 000$ par ann\\u00e9e<\/strong>.<\/p>\"}}]}<\/script><\/div>\n","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? 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