{"id":20110,"date":"2023-02-06T19:16:38","date_gmt":"2023-02-07T00:16:38","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/car-insurance-company\/"},"modified":"2026-04-19T17:31:36","modified_gmt":"2026-04-19T21:31:36","slug":"car-insurance-company","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/car-insurance-company\/","title":{"rendered":"Auto insurance company operating in Quebec"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/comparateur\/compagnie-assurance-auto\/#article\",\"headline\":\"Compagnies d'Assurance Auto au Qu\u00e9bec \u2014 Comparatif 2026\",\"url\":\"https:\/\/www.assur360.ca\/blog\/comparateur\/compagnie-assurance-auto\/\",\"datePublished\":\"2023-02-06T19:16:38\",\"dateModified\":\"2026-04-17T12:00:00\",\"author\":{\"@type\":\"Person\",\"name\":\"Jean Boissonneault\",\"url\":\"https:\/\/www.assur360.ca\/blog\/author\/admin\/\",\"description\":\"Jean Boissonneault est courtier d'assurance de dommages associ\u00e9 depuis plus de 30 ans au Qu\u00e9bec et propri\u00e9taire d'Assur360.\",\"hasCredential\":{\"@type\":\"EducationalOccupationalCredential\",\"credentialCategory\":\"Permis de cabinet en assurance de dommages\",\"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\",\"width\":200,\"height\":60}},\"inLanguage\":\"fr-CA\",\"isPartOf\":{\"@type\":\"WebSite\",\"url\":\"https:\/\/www.assur360.ca\",\"name\":\"Assur360\"},\"description\":\"Comparez les meilleures compagnies d'assurance auto au Qu\u00e9bec en 2026. Tableau comparatif, forces de chaque assureur et soumission gratuite en 3 minutes.\"}\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\":\"Comparateur\",\"item\":\"https:\/\/www.assur360.ca\/blog\/comparateur\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Compagnies d'assurance auto au Qu\u00e9bec\",\"item\":\"https:\/\/www.assur360.ca\/blog\/comparateur\/compagnie-assurance-auto\/\"}]}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">CAR INSURER COMPARISON<\/p>\n  <h2 style=\"color:#ffffff;font-size:36px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Car-Insurance-Companies-in-Quebec-%E2%80%94-2026-Comparison\"><\/span>Car Insurance Companies in Quebec \u2014 2026 Comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:17px;margin:0 auto 32px;max-width:720px;line-height:1.7;\">Compare the <strong style=\"color:#ffffff;\">best car insurance companies<\/strong> available in Quebec via brokerage. Complete comparison chart, strengths of each insurer and free quote in 3 minutes with our AMF-certified brokers. <\/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:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Compare insurers<\/a>\n    <a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:24px;max-width:1000px;margin:0 auto 48px;padding:0 16px;\">\n  <div style=\"text-align:center;padding:20px;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;\">100K+<\/div>\n    <div style=\"color:#64748b;font-size:14px;margin-top:4px;\">Generated Submissions<\/div>\n  <\/div>\n  <div style=\"text-align:center;padding:20px;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;\">10+<\/div>\n    <div style=\"color:#64748b;font-size:14px;margin-top:4px;\">Car insurer partners<\/div>\n  <\/div>\n  <div style=\"text-align:center;padding:20px;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;\">$356<\/div>\n    <div style=\"color:#64748b;font-size:14px;margin-top:4px;\">Average Savings<\/div>\n  <\/div>\n  <div style=\"text-align:center;padding:20px;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:14px;margin-top:4px;\">For a quote<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-compare-car-insurance-companies-in-Quebec\"><\/span>Why compare car insurance companies in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In Quebec, <strong>car insurance<\/strong> premiums vary considerably from one insurer to another. The same driver can receive quotes ranging from one to two depending on the company chosen. That&#8217;s why comparison is essential to save on your annual premium. Assur360 works with <strong>more than 10 recognized insurers<\/strong> to offer you the best options available on the Quebec market.   <\/p>\n\n<p class=\"wp-block-paragraph\">Factors that influence your premium include your driving record, age, vehicle type, where you live, and your claims history. Each insurer evaluates these criteria differently, which explains the significant price differences. An <strong>AMF-certified insurance broker<\/strong> like Assur360 can compare all of these offers for you in minutes.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comparison-table-of-car-insurers-in-Quebec-in-2026\"><\/span>Comparison table of car insurers in Quebec in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Here is a <strong>complete comparison table<\/strong> of the main automobile insurers accessible through brokerage in Quebec, with their strengths, specialties and level of notoriety on the market.<\/p>\n\n<div style=\"overflow-x:auto;margin:0 0 40px;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:15px;\">\n<thead>\n<tr style=\"background:#0d1f2d;color:#ffffff;\">\n<th style=\"padding:14px 16px;text-align:left;font-weight:700;\">Insurer<\/th>\n<th style=\"padding:14px 16px;text-align:left;font-weight:700;\">Distribution<\/th>\n<th style=\"padding:14px 16px;text-align:left;font-weight:700;\">Brokerage<\/th>\n Strengths<th style=\"padding:14px 16px;text-align:left;font-weight:700;\">Hot<\/th>\n Products<th style=\"padding:14px 16px;text-align:center;font-weight:700;\">Awareness<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong><a href=\"\/intact\/\" style=\"color:#0d1f2d;\">Intact<\/a><\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Brokers<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Canada&#8217;s largest insurer, broad risk appetite, multi-policy discounts, effective<\/td>\n claims tools<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Auto, home, small business<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2605\u2605\u2605\u2605 \u2606<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong><a href=\"https:\/\/www.assur360.ca\/en\/the-unique-3-minute-submission\/\" style=\"color:#0d1f2d;\">The Unique (Beneva)<\/a><\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Brokerage<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Stable rates, excellent claims service, advantageous<\/td>\n home and condo options<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Car, home, condo<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2605\u2605\u2605\u2605 \u2606<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong><a href=\"https:\/\/www.assur360.ca\/en\/aviva-insurance\/\" style=\"color:#0d1f2d;\">Aviva<\/a><\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Brokerage<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Extensive range, affinity programs, RV and boat options, competitive<\/td>\n pricing<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Auto, home, leisure, small business<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2605\u2605\u2605\u2605 \u2606<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>Promutuel<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Own network \/ agents<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Local approach, prevention, products adapted to Quebec&#8217;s<\/td>\n regional realities<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Auto, Housing, Farm<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2605\u2605\u2605 \u2606\u2606<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong><a href=\"https:\/\/www.assur360.ca\/en\/economical-insurance-online-quote\/\" style=\"color:#0d1f2d;\">Definity (Economical)<\/a><\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Brokerage<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Competitive pricing, modern products, attractive<\/td>\n replacement cost options<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Auto, home, small business<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2605\u2605\u2605\u2605 \u2606<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong><a href=\"https:\/\/www.assur360.ca\/en\/northbridge-insurance-online-quote\/\" style=\"color:#0d1f2d;\">Northbridge<\/a><\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Brokerage (Commercial)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Solid in business, civil liability, property, fleet, construction<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Commercial, SME, Fleet<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2605\u2605\u2605\u2605 \u2606 (B2B)<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong><a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/pafco-insurance-home-auto\/\" style=\"color:#0d1f2d;\">Pafco<\/a><\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Brokerage (non-standard)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Second chance specialist, appetite for difficult cases, flexibility of subscription<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Non-standard<\/td>\n car<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2605\u2605 \u2606\u2606\u2606 (niche)<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>Lloyd&#8217;s (coverholders)<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Specialized brokerage (via MGA)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Tailor-made solutions for special, non-standard and complex<\/td>\n commercial risks<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Specialized, non-standard<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2605\u2605\u2605\u2605 \u2606 (industry)<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong><a href=\"https:\/\/www.assur360.ca\/en\/wawanesa-online-insurance-quote\/\" style=\"color:#0d1f2d;\">Wawanesa<\/a><\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Brokerage<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Competitive pricing, claims-free driver discounts, Canadian<\/td>\n mutual insurance<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Auto, home<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2605\u2605\u2605 \u2606\u2606<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>SSQ Insurance<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Brokerage and direct<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Quebec insurer, good local presence, competitive rates in the regions<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Auto, Home, Life<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2605\u2605\u2605 \u2606\u2606<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>Echelon<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Brokerage (non-standard)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Non-standard specialist, young drivers, cases with offences or claims<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Non-standard<\/td>\n car<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2605\u2605 \u2606\u2606\u2606 (niche)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Detailed-profile-of-the-main-car-insurers-in-Quebec\"><\/span>Detailed profile of the main car insurers in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:0 0 48px;padding:0 16px;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n    <h3 style=\"margin:0 0 12px;font-size:20px;color:#0d1f2d;\">Intact<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Canada&#8217;s largest property and casualty insurer. Extensive broker network, broad risk appetite, powerful digital tools and advantageous multi-policy discounts. Ideal for drivers with a good record.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n    <h3 style=\"margin:0 0 12px;font-size:20px;color:#0d1f2d;\">The Unique (Beneva)<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Brokerage subsidiary of the Beneva group. Known for its stable rates and excellent claims service. Strong in housing and condo. 100% Quebec insurer.   <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n    <h3 style=\"margin:0 0 12px;font-size:20px;color:#0d1f2d;\">Aviva insurance<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">International insurer with a strong presence in Quebec. Extensive range including car, home, RV and boat. Affinity programs and competitive pricing for good applications.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n    <h3 style=\"margin:0 0 12px;font-size:20px;color:#0d1f2d;\">Definity (Economical)<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Founded in 1871, Economical (now Definity) offers modern products with competitive pricing. Replacement cost options and attractive SME products. Good choice for families.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n    <h3 style=\"margin:0 0 12px;font-size:20px;color:#0d1f2d;\">Pafco<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Specialist in non-standard car insurance. Ideal for drivers with a difficult record: infractions, multiple claims, criminal record or young drivers with no experience. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n    <h3 style=\"margin:0 0 12px;font-size:20px;color:#0d1f2d;\">Northbridge<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Oriented towards the commercial market and SMEs. Strong in liability, commercial property, fleet, and construction. Ideal for businesses.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-choose-the-best-car-insurance-company\"><\/span>How to choose the best car insurance company?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The choice of your car insurer should never be based solely on price. Here are the essential criteria to evaluate to make the right choice in Quebec. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:0 0 48px;padding:0 16px;\">\n  <div style=\"text-align:center;padding:24px;\">\n    <div style=\"width:36px;height:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;margin-bottom:12px;\">1<\/div>\n    <h4 style=\"margin:0 0 8px;color:#0d1f2d;font-size:17px;\">The price of the bonus<\/h4>\n    <p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Compare at least 3 submissions. The differences can exceed $500 per year for the same driver profile. <\/p>\n  <\/div>\n  <div style=\"text-align:center;padding:24px;\">\n    <div style=\"width:36px;height:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;margin-bottom:12px;\">2<\/div>\n    <h4 style=\"margin:0 0 8px;color:#0d1f2d;font-size:17px;\">Coverage offered<\/h4>\n    <p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Check the replacement cost, endorsement 43 (FAQs), deductibles, and additional coverages included.<\/p>\n  <\/div>\n  <div style=\"text-align:center;padding:24px;\">\n    <div style=\"width:36px;height:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;margin-bottom:12px;\">3<\/div>\n    <h4 style=\"margin:0 0 8px;color:#0d1f2d;font-size:17px;\">The Complaints Department<\/h4>\n    <p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">The speed and quality of service during a disaster make all the difference. Ask your broker for more information. <\/p>\n  <\/div>\n  <div style=\"text-align:center;padding:24px;\">\n    <div style=\"width:36px;height:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;margin-bottom:12px;\">4<\/div>\n    <h4 style=\"margin:0 0 8px;color:#0d1f2d;font-size:17px;\">Available discounts<\/h4>\n    <p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Multi-vehicle, multi-policy, anti-theft, good record, annual payment: each insurer has its own discounts.<\/p>\n  <\/div>\n  <div style=\"text-align:center;padding:24px;\">\n    <div style=\"width:36px;height:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;margin-bottom:12px;\">5<\/div>\n    <h4 style=\"margin:0 0 8px;color:#0d1f2d;font-size:17px;\">Financial strength<\/h4>\n    <p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">A financially strong insurer will be there for you when you need them. Check the odds for A.M. Best.  <\/p>\n  <\/div>\n  <div style=\"text-align:center;padding:24px;\">\n    <div style=\"width:36px;height:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;margin-bottom:12px;\">6<\/div>\n    <h4 style=\"margin:0 0 8px;color:#0d1f2d;font-size:17px;\">Risk appetite<\/h4>\n    <p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Some insurers refuse cases with offences. A broker knows which insurer will accept your profile. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Advantages-of-going-through-a-broker-to-compare\"><\/span>Advantages of going through a broker to compare<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:800px;margin:0 auto 40px;padding:0 16px;\">\n  <div style=\"margin-bottom:16px;\">\n    <p style=\"margin:0;padding:12px 16px;background:#f0fdf4;border-left:4px solid #10c4c7;border-radius:0 8px 8px 0;font-size:15px;line-height:1.6;\">\u2705 <strong>Access to multiple insurers<\/strong> \u2014 A broker compares 10+ companies in one step, instead of requiring you to contact each insurer individually.<\/p>\n  <\/div>\n  <div style=\"margin-bottom:16px;\">\n    <p style=\"margin:0;padding:12px 16px;background:#f0fdf4;border-left:4px solid #10c4c7;border-radius:0 8px 8px 0;font-size:15px;line-height:1.6;\">\u2705 <strong>Unbiased advice<\/strong> \u2014 The broker works for you, not for a specific insurer. He recommends the best option for your situation. <\/p>\n  <\/div>\n  <div style=\"margin-bottom:16px;\">\n    <p style=\"margin:0;padding:12px 16px;background:#f0fdf4;border-left:4px solid #10c4c7;border-radius:0 8px 8px 0;font-size:15px;line-height:1.6;\">\u2705 <strong>Claims support<\/strong> \u2014 Your broker represents you with the insurer and defends your interests in the event of a claim.<\/p>\n  <\/div>\n  <div style=\"margin-bottom:16px;\">\n    <p style=\"margin:0;padding:12px 16px;background:#f0fdf4;border-left:4px solid #10c4c7;border-radius:0 8px 8px 0;font-size:15px;line-height:1.6;\">\u2705 <strong>Expertise in complex files<\/strong> \u2014 Young driver, criminal record, modified vehicle: the broker knows the insurers that accept these profiles.<\/p>\n  <\/div>\n  <div style=\"margin-bottom:16px;\">\n    <p style=\"margin:0;padding:12px 16px;background:#f0fdf4;border-left:4px solid #10c4c7;border-radius:0 8px 8px 0;font-size:15px;line-height:1.6;\">\u2705 <strong>No additional fees<\/strong> \u2014 The broker is paid by the insurer. Its services are free for you. <\/p>\n  <\/div>\n  <div style=\"margin-bottom:16px;\">\n    <p style=\"margin:0;padding:12px 16px;background:#fffbeb;border-left:4px solid #f59e0b;border-radius:0 8px 8px 0;font-size:15px;line-height:1.6;\">\u26a0\ufe0f <strong>Beware of direct insurers<\/strong> \u2014 Without a broker, you only compare one insurer and you don&#8217;t have a representative in the event of a claim.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Standard-vs-non-standard-car-insurance-in-Quebec\"><\/span>Standard vs. non-standard car insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In Quebec, the car insurance market is divided into two major segments. Understanding this distinction will help you find the right insurer for your profile. <\/p>\n\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:0 0 40px;padding:0 16px;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n    <h3 style=\"margin:0 0 16px;font-size:20px;color:#0d1f2d;\">Standard Walk<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0 0 12px;\">For drivers with a <strong>good driving record<\/strong>, with no major violations or recent claims. Premiums are lower and coverage is more extensive. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\"><strong>Insurers:<\/strong> Intact, L&#8217;Unique, Aviva, Definity, Wawanesa, SSQ<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #f59e0b;border-radius:8px;padding:28px 24px;\">\n    <h3 style=\"margin:0 0 16px;font-size:20px;color:#0d1f2d;\">Non-standard walking<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0 0 12px;\">For drivers with a <strong>difficult record<\/strong> : offences, multiple claims, criminal record, new licence or cancellation by a previous insurer.<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\"><strong>Insurers:<\/strong> Pafco, Echelon, Lloyd&#8217;s (via MGA)<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:32px;margin:0 0 40px;\">\n  <h3 style=\"color:#10c4c7;font-size:18px;margin:0 0 16px;\">\ud83d\udca1 Advice from our expert brokers<\/h3>\n  <p style=\"color:#e2e8f0;font-size:16px;line-height:1.7;margin:0;\">Don&#8217;t stay with the same insurer out of habit. Every year, risk appetites change and new discounts appear. <strong style=\"color:#ffffff;\">Compare your premium at least once a year<\/strong>, ideally 30 days before your renewal. An Assur360 broker can do it for you in 3 minutes, without obligation and at no cost.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-car-insurance-coverage-in-Quebec\"><\/span>Essential car insurance coverage in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In Quebec, the <a href=\"https:\/\/www.quebec.ca\/transports\/immatriculation-vehicules\/assurance-automobile\" target=\"_blank\" rel=\"noopener nofollow\">Soci\u00e9t\u00e9 de l&#8217;assurance automobile du Qu\u00e9bec (SAAQ)<\/a> covers bodily injuries through the public plan. Your private insurance covers property damage. Here are the essential protections.  <\/p>\n\n<div style=\"overflow-x:auto;margin:0 0 40px;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:15px;\">\n<thead>\n<tr style=\"background:#0d1f2d;color:#ffffff;\">\n<th style=\"padding:14px 16px;text-align:left;font-weight:700;\">Coverage<\/th>\n<th style=\"padding:14px 16px;text-align:left;font-weight:700;\">What it protects<\/th>\n<th style=\"padding:14px 16px;text-align:center;font-weight:700;\">Mandatory?<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>Civil liability (chapter A)<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Damage caused to others (vehicle, property)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">Yes (min. $50,000)<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>Collision (Chapter B3)<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Damage to your vehicle in an accident<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">No (recommended)<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>All risks (Chapter B1)<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Collision + theft + vandalism + natural<\/td>\n disasters<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">No (recommended)<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>Amendment FAQ 43<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Replacement of the vehicle with an equivalent<\/td>\n new one<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">No (optional)<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>Replacement<\/strong><\/td>\n vehicle<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Renting a vehicle during repairs<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">No (optional)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Auto-Insurance-by-Region-in-Quebec\"><\/span>Auto Insurance by Region in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Car insurance premiums vary significantly depending on where you live in Quebec. Here&#8217;s what you need to know about the province&#8217;s top cities. <\/p>\n\n<p class=\"wp-block-paragraph\">In <strong>Montreal<\/strong>, premiums are among the highest in Quebec due to the traffic density and higher rate of vehicle theft. In <strong>Quebec City<\/strong>, rates are generally more advantageous than in Montreal, with premiums on average 15 to 20% cheaper. <strong>Laval<\/strong> and <strong>Longueuil<\/strong> are in between, with premiums slightly lower than Montreal but higher than the regions. <\/p>\n\n<p class=\"wp-block-paragraph\">In the regions, drivers in <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Gatineau<\/strong> and <strong>Saguenay<\/strong> generally benefit from the best premiums. Traffic is less dense, the risk of theft is lower and insurers offer more competitive rates. This is especially true for regional insurers like Promutuel.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-the-best-premium-in-2026\"><\/span>How to get the best premium in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:800px;margin:0 auto 40px;padding:0 16px;\">\n  <div style=\"display:flex;align-items:flex-start;gap:16px;margin-bottom:24px;\">\n    <div style=\"width:36px;height:36px;min-width:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;\">1<\/div>\n    <div>\n      <h4 style=\"margin:0 0 6px;color:#0d1f2d;font-size:17px;\">Compare Every Year<\/h4>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Never renew automatically. Ask your broker for quotes at least 30 days before your policy expires. <\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:16px;margin-bottom:24px;\">\n    <div style=\"width:36px;height:36px;min-width:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;\">2<\/div>\n    <div>\n      <h4 style=\"margin:0 0 6px;color:#0d1f2d;font-size:17px;\">Group your fonts<\/h4>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Car + home with the same insurer can save you 5 to 15%. Ask for the multi-policy discount. <\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:16px;margin-bottom:24px;\">\n    <div style=\"width:36px;height:36px;min-width:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;\">3<\/div>\n    <div>\n      <h4 style=\"margin:0 0 6px;color:#0d1f2d;font-size:17px;\">Adjust your deductible<\/h4>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Going from $500 to $1000 deductible can reduce your premium by 10 to 15%. Assess your risk tolerance. <\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:16px;margin-bottom:24px;\">\n    <div style=\"width:36px;height:36px;min-width:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;\">4<\/div>\n    <div>\n      <h4 style=\"margin:0 0 6px;color:#0d1f2d;font-size:17px;\">Invest in a lock<\/h4>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">A certified anti-theft system or GPS location can give you an extra discount, especially in Montreal.<\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:16px;\">\n    <div style=\"width:36px;height:36px;min-width:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;\">5<\/div>\n    <div>\n      <h4 style=\"margin:0 0 6px;color:#0d1f2d;font-size:17px;\">Maintain a good record<\/h4>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Every year without claim improves your profile. After 6 years without a claim, you get the best premiums on the market. <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Useful-links-%E2%80%94-Insurer-pages\"><\/span>Useful links \u2014 Insurer pages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:0 0 48px;padding:0 16px;\">\n  <a href=\"\/intact\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:20px 24px;text-decoration:none;color:#0d1f2d;font-weight:600;font-size:16px;transition:border-color .2s;\">Intact Home  Auto Insurance \u2192<\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/the-unique-3-minute-submission\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:20px 24px;text-decoration:none;color:#0d1f2d;font-weight:600;font-size:16px;\">L&#8217;Unique (Beneva) \u2014 Courtage Qu\u00e9bec \u2192<\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/aviva-insurance\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:20px 24px;text-decoration:none;color:#0d1f2d;font-weight:600;font-size:16px;\">Aviva \u2014 Auto  Leisure Insurance \u2192<\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/economical-insurance-online-quote\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:20px 24px;text-decoration:none;color:#0d1f2d;font-weight:600;font-size:16px;\">Definity (Economical) \u2014 Comparator \u2192<\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/northbridge-insurance-online-quote\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:20px 24px;text-decoration:none;color:#0d1f2d;font-weight:600;font-size:16px;\">Northbridge \u2014 \u2192<\/a>\n Commercial Insurance<a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/pafco-insurance-home-auto\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:20px 24px;text-decoration:none;color:#0d1f2d;font-weight:600;font-size:16px;\">Pafco \u2014 Non-Standard Auto \u2192<\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/wawanesa-online-insurance-quote\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:20px 24px;text-decoration:none;color:#0d1f2d;font-weight:600;font-size:16px;\">Wawanesa \u2014 Canadian Mutual \u2192<\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/insurance-with-a-criminal-record\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:20px 24px;text-decoration:none;color:#0d1f2d;font-weight:600;font-size:16px;\">Insurance with a criminal record\u2192<\/a>              \n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Car-Insurance-in-Quebec\"><\/span>Frequently Asked Questions \u2014 Car Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:800px;margin:0 auto 40px;\">\n  <details id=\"quel-est-le-prix-moyen-assurance-auto-quebec\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">What is the average price of car insurance in Quebec in 2026?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">The average price of car insurance in Quebec is between $800 and $1,500 per year for a driver with a good record. This amount varies depending on your age, vehicle, place of residence and driving history. In Montreal, premiums are generally higher than in the regions.  <\/div>\n  <\/details>\n  <details id=\"comment-comparer-assureurs-auto-quebec\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">How do I compare car insurers in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">The most effective way is to go through an insurance broker like Assur360 that compares several insurers in a single process. You can also request quotes individually, but it takes much longer. Compare not only the price, but also the coverages, deductibles, and claims service.  <\/div>\n  <\/details>\n  <details id=\"difference-courtier-agent-assurance\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">What is the difference between an insurance broker and an insurance agent?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">A broker represents the client and can compare offers from multiple insurers. An agent represents a single insurer and can only offer its products. The broker is generally the best option to get the best price since he puts insurers in competition for your file.  <\/div>\n  <\/details>\n  <details id=\"quand-changer-assureur-auto\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">When should you change car insurance company?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">It is recommended that you compare your options at least once a year, ideally 30 days before your policy is renewed. You should also compare after a change of vehicle, a move, or if your premium increases significantly without a claim. <\/div>\n  <\/details>\n  <details id=\"assurance-auto-jeune-conducteur\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">How can a young driver get a good bonus?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">Young drivers usually pay higher premiums. To reduce your cost: add yourself to your parents&#8217; policy, choose a vehicle with a low cost of insurance, complete a recognized driving course and maintain a good record. Some insurers such as Intact and Aviva offer specific programs for young people.  <\/div>\n  <\/details>\n  <details id=\"intact-vs-beneva-vs-aviva\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">Intact, Beneva or Aviva: which insurer is better?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">There&#8217;s no best universal insurer \u2014 it all depends on your profile. Intact excels in broad risk appetite and multi-policy discounts. L&#8217;Unique (Beneva) offers stable rates and excellent claims service. Aviva is strong in affinity and leisure programs. An Assur360 broker can determine which one offers the best price for your specific situation.    <\/div>\n  <\/details>\n  <details id=\"assurance-auto-dossier-criminel\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">Can you get car insurance with a criminal record?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">Yes, this is possible thanks to insurers specializing in non-standard markets. Pafco, Echelon and Lloyd&#8217;s accept drivers with a criminal record, although the premiums are higher. An Assur360 broker knows the insurers that accept these profiles and can find you the best option. <a href=\"https:\/\/www.assur360.ca\/en\/insurance-with-a-criminal-record\/\" style=\"color:#10c4c7;\">Check out our full guide<\/a>.  <\/div>\n  <\/details>\n  <details id=\"responsabilite-civile-minimum-quebec\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">What is the minimum civil liability in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">In Quebec, the legal minimum for motor vehicle liability is $50,000. However, brokers strongly recommend an amount of $1,000,000 or $2,000,000, as the costs related to a serious accident can be very high. The difference in premium between $50,000 and $2,000,000 is often minimal.  <\/div>\n  <\/details>\n  <details id=\"assurance-vehicule-electrique-quebec\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">Does it cost to insure an electric vehicle?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">Electric vehicles typically cost more to insure due to the high cost of repairing batteries and specialized parts. However, some insurers such as Intact and Aviva offer specific discounts for electric vehicles. <a href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/electric-vehicle-insurance\/\" style=\"color:#10c4c7;\">Learn more about electric vehicle insurance<\/a>. <\/div>\n  <\/details>\n  <details id=\"comment-reduire-prime-assurance-auto\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">How to reduce your car insurance premium in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">There are several strategies that can reduce your premium: combine your car and home with the same insurer (5-15% discount), increase your deductible, install an anti-theft system, maintain a good driving record, pay annually rather than monthly, and above all compare your options each year with a broker.<\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Quel est le prix moyen d'une assurance auto au Quebec en 2026 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le prix moyen d'une assurance auto au Quebec se situe entre 800$ et 1 500$ par annee pour un conducteur avec un bon dossier. Ce montant varie selon votre age, votre vehicule, votre lieu de residence et votre historique de conduite.\"}},{\"@type\":\"Question\",\"name\":\"Comment comparer les assureurs auto au Quebec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La facon la plus efficace est de passer par un courtier d'assurance comme Assur360 qui compare plusieurs assureurs en une seule demarche.\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la difference entre un courtier et un agent d'assurance ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un courtier represente le client et peut comparer les offres de plusieurs assureurs. Un agent represente un seul assureur et ne peut offrir que ses produits.\"}},{\"@type\":\"Question\",\"name\":\"Quand devrait-on changer de compagnie d'assurance auto ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Il est recommande de comparer vos options au moins une fois par annee, idealement 30 jours avant le renouvellement de votre police.\"}},{\"@type\":\"Question\",\"name\":\"Comment un jeune conducteur peut-il obtenir une bonne prime ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les jeunes conducteurs paient generalement des primes plus elevees. Pour reduire votre cout : ajoutez-vous sur la police de vos parents, choisissez un vehicule a faible cout d'assurance, completez un cours de conduite reconnu.\"}},{\"@type\":\"Question\",\"name\":\"Intact, Beneva ou Aviva : quel est le meilleur assureur ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Il n'y a pas de meilleur assureur universel. Tout depend de votre profil. Un courtier Assur360 peut determiner lequel offre le meilleur prix pour votre situation specifique.\"}},{\"@type\":\"Question\",\"name\":\"Peut-on obtenir une assurance auto avec un dossier criminel ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, c'est possible grace aux assureurs specialises en marche non standard comme Pafco, Echelon et Lloyd's.\"}},{\"@type\":\"Question\",\"name\":\"Quel est le minimum de responsabilite civile au Quebec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Au Quebec, le minimum legal est de 50 000$. Les courtiers recommandent fortement 1 000 000$ ou 2 000 000$.\"}},{\"@type\":\"Question\",\"name\":\"L'assurance d'un vehicule electrique coute-t-elle plus cher ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les vehicules electriques coutent generalement plus cher a assurer en raison du cout eleve de reparation des batteries. Certains assureurs offrent des rabais specifiques.\"}},{\"@type\":\"Question\",\"name\":\"Comment reduire sa prime d'assurance auto au Quebec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Regrouper auto et habitation, augmenter votre franchise, installer un antivol, maintenir un bon dossier et comparer chaque annee avec un courtier.\"}}]}\n<\/script>\n\n<div style=\"background:#f0fdfa;border-radius:12px;padding:32px;margin:0 0 40px;\">\n  <h3 style=\"color:#0d1f2d;font-size:20px;margin:0 0 20px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;\">\n    <div style=\"display:flex;align-items:flex-start;gap:10px;\">\n      <span style=\"color:#10c4c7;font-size:20px;\">\n\u2713<span style=\"color:#475569;font-size:15px;\"><strong>AMF certified<\/strong> \u2014 All our brokers are licensed by the Autorit\u00e9 des march\u00e9s financiers du Qu\u00e9bec<\/span>      <\/span>\n    <\/div>\n    <div style=\"display:flex;align-items:flex-start;gap:10px;\">\n      <span style=\"color:#10c4c7;font-size:20px;\">\n\u2713<span style=\"color:#475569;font-size:15px;\"><strong>ChAD members<\/strong> \u2014 Chambre de l&#8217;assurance de dommages (P Insurance Chamber), a guarantee of professionalism and ethics<\/span>      <\/span>\n    <\/div>\n    <div style=\"display:flex;align-items:flex-start;gap:10px;\">\n      <span style=\"color:#10c4c7;font-size:20px;\">\n\u2713<span style=\"color:#475569;font-size:15px;\"><strong>100,000+ quotes<\/strong> \u2014 More than 30 years of experience in insurance brokerage in Quebec<\/span>      <\/span>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Find-the-best-price-for-your-car-insurance\"><\/span>Find the best price for your car insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">Our AMF-certified brokers compare more than 10 insurers to find you the best coverage at the best price.<\/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:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>CAR INSURER COMPARISON Car Insurance Companies in Quebec \u2014 2026 Comparison Compare the best car insurance companies available in Quebec via brokerage. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14951,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Auto Insurance Companies in Quebec \u2014 2026 Comparison | Assur360","_seopress_titles_desc":"Compare the best car insurance companies in Quebec in 2026. Comparison table, strengths of each insurer and free quote in 3 minutes. ","_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":"Auto insurance company operating in Quebec","_seopress_social_fb_desc":"Compare the best car insurance offers in Quebec. AMF certified broker.  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