{"id":39181,"date":"2026-03-26T00:30:00","date_gmt":"2026-03-26T04:30:00","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/trump-rates-and-car-insurance-will-your-premium-explode\/"},"modified":"2026-04-04T12:40:21","modified_gmt":"2026-04-04T16:40:21","slug":"trump-rates-and-car-insurance-will-your-premium-explode","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/price-2\/trump-rates-and-car-insurance-will-your-premium-explode\/","title":{"rendered":"Trump rates and car insurance: Will your premium explode?"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"headline\": \"Tarifs Trump et assurance auto : votre prime va-t-elle exploser?\", \"description\": \"Les tarifs douaniers de 25 % sur l'automobile font grimper les pi\u00e8ces de remplacement. Impact sur votre prime d'assurance auto au Qu\u00e9bec, v\u00e9hicules touch\u00e9s et 10 trucs pour \u00e9conomiser.\", \"image\": \"\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/app\/\", \"description\": \"Jean Boissonneault, courtier d'assurance associ\u00e9 certifi\u00e9 AMF (n\u00ba 2000037336), est propri\u00e9taire d'Assur360 et courtier 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.webp\"}}, \"datePublished\": \"2026-03-27T08:00:00-04:00\", \"dateModified\": \"2026-03-27T08:00:00-04:00\", \"mainEntityOfPage\": {\"@type\": \"WebPage\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/tarifs-trump-assurance-auto-prime-exploser\/\"}, \"inLanguage\": \"fr-CA\", \"about\": [{\"@type\": \"Thing\", \"name\": \"Tarifs douaniers am\u00e9ricains\", \"description\": \"Droits de douane de 25 % impos\u00e9s par l'administration Trump sur les automobiles et les pi\u00e8ces automobiles import\u00e9es\"}, {\"@type\": \"Thing\", \"name\": \"Assurance automobile au Qu\u00e9bec\", \"description\": \"Assurance de dommages couvrant les v\u00e9hicules particuliers au Qu\u00e9bec, Canada\"}, {\"@type\": \"Thing\", \"name\": \"ACEUM\", \"description\": \"Accord Canada\u2013\u00c9tats-Unis\u2013Mexique, accord de libre-\u00e9change nord-am\u00e9ricain en vigueur depuis 2020\"}], \"mentions\": [{\"@type\": \"Organization\", \"name\": \"Bureau d'assurance du Canada (BAC)\", \"url\": \"https:\/\/www.ibc.ca\"}, {\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers (AMF)\", \"url\": \"https:\/\/lautorite.qc.ca\"}, {\"@type\": \"Organization\", \"name\": \"Soci\u00e9t\u00e9 de l'assurance automobile du Qu\u00e9bec (SAAQ)\"}, {\"@type\": \"Organization\", \"name\": \"Deloitte\", \"url\": \"https:\/\/www.deloitte.com\"}, {\"@type\": \"Organization\", \"name\": \"Desjardins Assurances\", \"url\": \"https:\/\/www.desjardins.com\"}]}<\/script>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"},\n    {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Blogue\", \"item\": \"https:\/\/www.assur360.ca\/blog\/\"},\n    {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Tarifs Trump et assurance auto : votre prime va-t-elle exploser?\"}\n  ]\n}\n<\/script>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Les tarifs Trump vont-ils vraiment augmenter mon assurance auto au Qu\u00e9bec?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Oui. Les tarifs douaniers de 25 % sur les automobiles et les pi\u00e8ces import\u00e9es font grimper le co\u00fbt des r\u00e9parations. Selon le Bureau d'assurance du Canada (BAC), ces co\u00fbts suppl\u00e9mentaires seront in\u00e9vitablement refl\u00e9t\u00e9s dans les primes d'assurance auto. Au Qu\u00e9bec, les hausses pourraient atteindre 5 % et plus selon le v\u00e9hicule assur\u00e9.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"De combien les primes d'assurance auto pourraient-elles augmenter?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Selon les projections du BAC et de l'AIRB, les primes pourraient augmenter jusqu'\u00e0 5 % en raison directe des tarifs. Au Qu\u00e9bec, on rapporte d\u00e9j\u00e0 une hausse de 13,7 % entre 2024 et 2025. Intact Assurance pr\u00e9voit une hausse de 12 % sur les co\u00fbts de r\u00e9clamations auto et de 8 % globalement.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quels v\u00e9hicules sont les plus touch\u00e9s par les tarifs douaniers?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Les v\u00e9hicules assembl\u00e9s aux \u00c9tats-Unis ou au Mexique sont les plus touch\u00e9s : Ford F-150, Mustang, Bronco, GM Tahoe, Corvette, Cadillac, Tesla (tous les mod\u00e8les), Kia Telluride, Hyundai Santa Fe, EV6 et EV9. Leurs pi\u00e8ces de remplacement subissent aussi des hausses de 4 \u00e0 20 %.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Les v\u00e9hicules assembl\u00e9s au Canada sont-ils \u00e9pargn\u00e9s?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Partiellement. Les v\u00e9hicules assembl\u00e9s au Canada comme le Toyota RAV4, Honda CR-V, Honda Civic, Lexus RX\/NX et Chevrolet Silverado \u00e9chappent aux tarifs sur le v\u00e9hicule lui-m\u00eame. Toutefois, leurs pi\u00e8ces de remplacement proviennent souvent des \u00c9tats-Unis ou d'Asie et restent sujettes aux surtaxes.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quelles pi\u00e8ces automobiles co\u00fbtent plus cher \u00e0 cause des tarifs?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Les composants \u00e9lectroniques (phares \u00e0 DEL, capteurs, cam\u00e9ras, modules ADAS) sont les plus touch\u00e9s avec des hausses de 15 \u00e0 25 %. Suivent les pi\u00e8ces de s\u00e9curit\u00e9 (coussins gonflables, pare-chocs, pare-brise) en hausse de 10 \u00e0 20 %, les mat\u00e9riaux de peinture (+8 \u00e0 15 %) et les semi-conducteurs (+200 $\/v\u00e9hicule environ).\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quand les hausses de primes vont-elles se faire sentir?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"L'impact est progressif. En 2025, les hausses \u00e9taient minimales en raison du d\u00e9lai actuariel. Au premier semestre 2026, des augmentations modestes et graduelles sont en cours. C'est au second semestre 2026 et en 2027 que l'impact sera significatif, au moment du renouvellement de votre police.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Comment r\u00e9duire l'impact des tarifs sur ma prime d'assurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Augmentez votre franchise (passer de 500 $ \u00e0 1 000 $ peut r\u00e9duire la prime de 5 \u00e0 10 %), regroupez vos assurances auto et habitation, installez un syst\u00e8me antivol (ex. : Tag), adoptez la t\u00e9l\u00e9matique (rabais jusqu'\u00e0 25 %), magasinez vos assurances chaque ann\u00e9e et privil\u00e9giez un v\u00e9hicule assembl\u00e9 au Canada.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qu'est-ce que la r\u00e9vision de l'ACEUM en juillet 2026?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"L'Accord Canada\u2013\u00c9tats-Unis\u2013Mexique (ACEUM, ou CUSMA en anglais) fait l'objet d'une r\u00e9vision conjointe pr\u00e9vue en juillet 2026. Cette r\u00e9vision pourrait modifier les r\u00e8gles d'origine et les exemptions, ce qui influencerait directement le niveau de tarifs sur les v\u00e9hicules et les pi\u00e8ces nord-am\u00e9ricaines.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Les v\u00e9hicules \u00e9lectriques sont-ils plus touch\u00e9s que les v\u00e9hicules \u00e0 essence?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Oui, les v\u00e9hicules \u00e9lectriques sont g\u00e9n\u00e9ralement plus touch\u00e9s. Leurs batteries lithium-ion, modules \u00e9lectroniques avanc\u00e9s et syst\u00e8mes ADAS contiennent davantage de composants import\u00e9s. Tesla, dont tous les mod\u00e8les sont assembl\u00e9s aux \u00c9tats-Unis, subit la totalit\u00e9 des tarifs de 25 %.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Un courtier d'assurance peut-il m'aider \u00e0 \u00e9conomiser malgr\u00e9 les tarifs?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Absolument. Un courtier d'assurance a acc\u00e8s \u00e0 plusieurs assureurs et peut comparer les offres pour trouver la meilleure couverture au meilleur prix. Il peut aussi vous recommander des ajustements (franchise, regroupement, t\u00e9l\u00e9matique) adapt\u00e9s \u00e0 votre situation pour limiter l'impact des hausses tarifaires.\"\n      }\n    }\n  ]\n}\n<\/script>\n\n<p class=\"has-text-color has-background\" style=\"background-color:#f8fafc;border-left-color:#10c4c7;border-left-width:4px;padding-top:28px;padding-right:28px;padding-bottom:28px;padding-left:28px;font-size:17px;line-height:1.7;border-radius:12px\">Since April 2025, the Trump administration has imposed <strong>25% tariffs on automobiles and auto parts<\/strong> imported into the United States, and Canada has retaliated with equivalent counter-tariffs. As a result, the price of new vehicles has jumped by an average of <strong>$6,000 CAD<\/strong>, replacement parts are 4 <strong>to 20 per cent more expensive<\/strong>, and insurers are adjusting their premiums upwards. In Quebec, where more than <strong>70% of auto parts<\/strong> used in repairs are imported and can cross the border <strong>up to 8 times<\/strong> before final assembly, the impact is particularly felt. This article details the mechanics of the rates, the vehicles and parts most affected, the expected timing of the increases, and above all <strong>10 concrete tips<\/strong> to protect your wallet. If you own a vehicle in Quebec, this information could save you hundreds of dollars on your next renewal.    <\/p>\n\n<div style=\"background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%);border-radius:16px;padding:48px 40px;text-align:center;margin:40px 0\">\n  <p style=\"color:#10c4c7;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin-bottom:8px;font-weight:700\">Car insurance at the best price<\/p>\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\/price-2\/trump-rates-and-car-insurance-will-your-premium-explode\/#Is-your-car-insurance-premium-still-competitive\" >Is your car insurance premium still competitive?<\/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\/price-2\/trump-rates-and-car-insurance-will-your-premium-explode\/#Understanding-Trumps-auto-tariffs\" >Understanding Trump&#8217;s auto tariffs<\/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\/price-2\/trump-rates-and-car-insurance-will-your-premium-explode\/#How-Rates-Are-Driving-Up-Your-Insurance-Premium\" >How Rates Are Driving Up Your Insurance Premium<\/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\/price-2\/trump-rates-and-car-insurance-will-your-premium-explode\/#How-Much-Does-It-Cost-2025-vs-2026-2027-Premium-Comparison\" >How Much Does It Cost: 2025 vs 2026-2027 Premium Comparison<\/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\/price-2\/trump-rates-and-car-insurance-will-your-premium-explode\/#The-car-parts-most-affected-by-the-prices\" >The car parts most affected by the prices<\/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\/price-2\/trump-rates-and-car-insurance-will-your-premium-explode\/#Canadian-assembled-vs-imported-vehicles-the-ranking\" >Canadian-assembled vs. imported vehicles: the ranking<\/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\/price-2\/trump-rates-and-car-insurance-will-your-premium-explode\/#Is-your-vehicle-on-the-most-affected-list\" >Is your vehicle on the most affected list?<\/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\/price-2\/trump-rates-and-car-insurance-will-your-premium-explode\/#10-concrete-tips-to-limit-the-impact-on-your-premium\" >10 concrete tips to limit the impact on your premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/trump-rates-and-car-insurance-will-your-premium-explode\/#Timing-When-will-the-hikes-hit\" >Timing: When will the hikes hit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/trump-rates-and-car-insurance-will-your-premium-explode\/#What-the-July-2026-CUSMA-Review-Could-Change\" >What the July 2026 CUSMA Review Could Change<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/trump-rates-and-car-insurance-will-your-premium-explode\/#Protect-your-portfolio-before-the-next-renewal\" >Protect your portfolio before the next renewal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/trump-rates-and-car-insurance-will-your-premium-explode\/#Frequently-asked-questions\" >Frequently asked questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"color:#ffffff;font-size:28px;margin-bottom:16px;font-weight:800;line-height:1.3\"><span class=\"ez-toc-section\" id=\"Is-your-car-insurance-premium-still-competitive\"><\/span>Is your car insurance premium still competitive?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#c0d0dd;font-size:17px;margin-bottom:32px;max-width:600px;margin-left:auto;margin-right:auto\">Compare offers from multiple insurers in minutes and find out how much you could save despite rate increases.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:16px 48px;border-radius:30px;font-size:18px;font-weight:700;text-decoration:none\">Get my free quote<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px\"><span class=\"ez-toc-section\" id=\"Understanding-Trumps-auto-tariffs\"><\/span>Understanding Trump&#8217;s auto tariffs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:22px\">What has happened since April 2025<\/h3>\n\n<p class=\"wp-block-paragraph\">On April 3, 2025, the Trump administration launched what many analysts call the largest auto trade war since the 1930s. <strong>Tariffs of 25%<\/strong> were imposed on all vehicles imported into the U.S., followed by identical tariffs on <strong>auto parts<\/strong> before May 3, 2025. Canada, the U.S.&#8217;s second-largest trading partner, immediately retaliated: on April 9, 2025, Ottawa announced <strong>25% counter-tariffs on U.S. vehicles that did not comply with CUSMA<\/strong>.  <\/p>\n\n<p class=\"wp-block-paragraph\">The spiral did not stop there. On June 4, 2025, tariffs on <strong>steel and aluminum<\/strong> \u2014two materials essential to automotive manufacturing\u2014were raised to <strong>50%.<\/strong> According to <a href=\"https:\/\/www.protegez-vous.ca\/nouvelles\/automobile\/ces-seuls-10-vehicules-sont-fabriques-au-canada\" target=\"_blank\" rel=\"noopener\">Prot\u00e9gez-Vous<\/a>, an auto part can cross the Canada-U.S. border up <strong>to 8 times<\/strong> before being integrated into a finished vehicle \u2014 each passage potentially accumulating additional rights.  <\/p>\n\n<p class=\"wp-block-paragraph\">The result? According to <strong>JD Power<\/strong>, the average price of a new vehicle in Canada has increased by about <strong>$6,000 CAD<\/strong>, with some trucks showing increases of up to <strong>$8,000 USD<\/strong>. For Quebec motorists, these numbers aren&#8217;t just statistics \u2014 they&#8217;re reflected directly in the cost of their <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">car insurance<\/a>.  <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:22px\">CUSMA: A Crumbling Shield<\/h3>\n\n<p class=\"wp-block-paragraph\">The <strong>Canada-United States-Mexico Agreement (CUSMA),<\/strong> which came into force in 2020, was supposed to ensure smooth auto trade in North America. In theory, vehicles that complied with the <strong>rules of origin<\/strong> (sufficient North American content) were to be exempt from tariffs. In practice, the Trump administration has interpreted these rules restrictively, excluding many vehicles and parts from the preferential regime.  <\/p>\n\n<p class=\"wp-block-paragraph\">The <strong>revision of CUSMA<\/strong>, scheduled for <strong>July 2026<\/strong>, will be a pivotal moment. It could either relax the exemptions or tighten them further. The <a href=\"https:\/\/www.quebec.ca\/entreprises-et-travailleurs-autonomes\/commerce\/accords-commerciaux\/tarifs-douaniers-americains\/tarifs-mesures\" target=\"_blank\" rel=\"noopener\">Quebec government<\/a> is closely following the negotiations, aware of the impact on the provincial economy and consumers&#8217; purchasing power.  <\/p>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px\"><span class=\"ez-toc-section\" id=\"How-Rates-Are-Driving-Up-Your-Insurance-Premium\"><\/span>How Rates Are Driving Up Your Insurance Premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:22px\">The impact chain: from customs tariff to your invoice<\/h3>\n\n<p class=\"wp-block-paragraph\">The link between rates and your car insurance premium is not always obvious. Here is the mechanics: <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:32px 0;text-align:center\">\n  <div style=\"background:#f8fafc;border-radius:12px;padding:24px 16px;border-top:4px solid #10c4c7\">\n    <div style=\"font-size:32px;margin-bottom:8px\">1<\/div>\n    <p style=\"font-weight:700;margin-bottom:4px;font-size:15px;color:#0d1f2d\">Tariffs<\/p>\n    <p style=\"font-size:13px;color:#64748b;margin:0\">+25% on imported parts and vehicles<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-radius:12px;padding:24px 16px;border-top:4px solid #10c4c7\">\n    <div style=\"font-size:32px;margin-bottom:8px\">2<\/div>\n    <p style=\"font-weight:700;margin-bottom:4px;font-size:15px;color:#0d1f2d\">More expensive parts<\/p>\n    <p style=\"font-size:13px;color:#64748b;margin:0\">4 to 20% increase in components<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-radius:12px;padding:24px 16px;border-top:4px solid #10c4c7\">\n    <div style=\"font-size:32px;margin-bottom:8px\">3<\/div>\n    <p style=\"font-weight:700;margin-bottom:4px;font-size:15px;color:#0d1f2d\">Costly repairs<\/p>\n    <p style=\"font-size:13px;color:#64748b;margin:0\">+12% on claims costs (Intact)<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-radius:12px;padding:24px 16px;border-top:4px solid #10c4c7\">\n    <div style=\"font-size:32px;margin-bottom:8px\">4<\/div>\n    <p style=\"font-weight:700;margin-bottom:4px;font-size:15px;color:#0d1f2d\">Premiums on the rise<\/p>\n    <p style=\"font-size:13px;color:#64748b;margin:0\">Up to +5% and more at renewal<\/p>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">The <strong>Insurance Bureau of Canada (IBC)<\/strong> couldn&#8217;t be clearer: <em>&#8220;Tariffs will have an impact on insurance because they add additional costs to the goods used to replace and repair cars.&#8221;<\/em> (<a href=\"https:\/\/www.ibc.ca\/news-insights\/news\/truth-about-tariffs-us-trade-dispute-adding-costs\" target=\"_blank\" rel=\"noopener\">source IBC<\/a>)<\/p>\n\n<p class=\"wp-block-paragraph\">Aaron Sutherland, vice-president of <strong>the IBC<\/strong>, explains: <em>&#8220;New cost pressures created by the trade dispute are piling on top of other cost pressures in the auto insurance system.&#8221;<\/em> In other words, the tariffs are on top of inflation already present in the system. According to <strong>Statistics Canada<\/strong>, the cost of auto parts had already risen <strong>by 22.3%<\/strong> between 2019 and 2024 \u2014 <em>before<\/em> the Trump tariffs. <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:22px\">The numbers that make you dizzy<\/h3>\n\n<p class=\"wp-block-paragraph\">The scale of the impact can be measured in concrete figures:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Deloitte for IBC<\/strong> : Vehicle and parts prices could rise <strong>by up to 10.9%<\/strong><\/li>\n\n\n\n<li><strong>Intact Insurance<\/strong>: <strong>Projected 12% increase in auto claims costs<\/strong> and <strong>8% overall<\/strong> increase<\/li>\n\n\n\n<li><strong>BAC \/ AIRB<\/strong> : increase in premiums <strong>of up to 5%<\/strong> in direct relation to fares<\/li>\n\n\n\n<li><strong>Webbroker<\/strong> : premiums in Quebec have already risen by <strong>13.7%<\/strong> between 2024 and 2025 (<a href=\"https:\/\/courtierweb.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">source<\/a>)<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.accesdirect.com\/assurance-auto\/\">Accesdirect.com<\/a><\/strong> : the pace of acceleration of increases is <strong>60% faster than<\/strong> before tariffs<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Jocelyn Laflamme, vice-president of insurance at <strong>Desjardins<\/strong>, confirms that auto insurance will be <em>&#8220;one of the most affected business lines&#8221;<\/em> by this trade war. The reason is simple: every claim involves parts, and those parts are now more expensive for insurers to acquire. <\/p>\n\n<p class=\"wp-block-paragraph\">Martin Boyer, a professor at <strong>HEC Montr\u00e9al<\/strong>, adds an additional layer: trade uncertainty <strong>is devaluing the Canadian dollar<\/strong>, making imports denominated in U.S. dollars even more expensive. A multiplier effect that affects the entire automotive supply chain. To better understand <a href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/why-are-car-insurance-premiums-rising-2\/\">why car insurance premiums are rising so much in Quebec<\/a>, check out our detailed analysis.  <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:22px\">What garages see in the field<\/h3>\n\n<p class=\"wp-block-paragraph\">Patrick Robichaud, owner of a garage in Quebec, reports <strong>increases of 4 to 20% on parts<\/strong> since the tariffs came into effect. <em>&#8220;Some pieces that we ordered for $200 went up to $240 overnight, without notice,&#8221;<\/em> he told <a href=\"https:\/\/ici.radio-canada.ca\/nouvelle\/2152208\/reparation-voiture-prix-hausse-assurance-tarifs\" target=\"_blank\" rel=\"noopener\">Radio-Canada<\/a>. These additional costs are absorbed either by the garage, the insurer or the consumer \u2014 and, ultimately, it is always the motorist who pays, directly or through his premium. <\/p>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px\"><span class=\"ez-toc-section\" id=\"How-Much-Does-It-Cost-2025-vs-2026-2027-Premium-Comparison\"><\/span>How Much Does It Cost: 2025 vs 2026-2027 Premium Comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">To illustrate the concrete impact, here is an estimate of monthly car insurance premiums in Quebec according to driver profile. The 2026-2027 projections take into account rate increases, parts inflation and the trend reported by <a href=\"https:\/\/portail-assurance.ca\/article\/impacts-des-tarifs-douaniers-lassurance-de-dommages-ny-echappe-pas\/\" target=\"_blank\" rel=\"noopener\">the Insurance Portal<\/a>. <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;font-size:15px\">\n  <thead>\n    <tr style=\"background:#0d1f2d;color:#ffffff\">\n      <th style=\"padding:14px 18px;text-align:left;font-weight:700\">Driver profile<\/th>\n      <th style=\"padding:14px 18px;text-align:center;font-weight:700\">2025 Premium<br \/><span style=\"font-weight:400;font-size:13px\">(monthly)<\/span><\/th>\n      <th style=\"padding:14px 18px;text-align:center;font-weight:700\">2026-2027 Projection<br \/><span style=\"font-weight:400;font-size:13px\">(monthly)<\/span><\/th>\n      <th style=\"padding:14px 18px;text-align:center;font-weight:700\">Estimated increase<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#ffffff\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><strong>25 years<\/strong> \u2014 imported<\/td>\n vehicle<td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0\">$185210<\/td>\n <td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">\u2013 $<\/td>\n220+<td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">13 to 19%<\/td>                  \n    <\/tr>\n    <tr style=\"background:#f8fafc\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><strong>25 years<\/strong> \u2014 Canadian<\/td>\n vehicle<td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0\">$<\/td>\n170185 <td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">\u2013 $<\/td>\n195+<td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">9 to 15%<\/td>                  \n    <\/tr>\n    <tr style=\"background:#ffffff\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><strong>35 years<\/strong> \u2014 imported<\/td>\n vehicle<td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0\">$120135<\/td>\n <td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">\u2013 $<\/td>\n145+<td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">12 to 21%<\/td>                  \n    <\/tr>\n    <tr style=\"background:#f8fafc\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><strong>35 years<\/strong> \u2014 Canadian<\/td>\n vehicle<td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0\">$<\/td>\n10515 <td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">\u2013 $<\/td>\n122+<td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">10 at 16%<\/td>                  \n    <\/tr>\n    <tr style=\"background:#ffffff\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><strong>45+<\/strong> \u2014 imported<\/td>\n vehicle<td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0\">$<\/td>\n96107 <td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">\u2013 $<\/td>\n115+<td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">11 to 20%<\/td>                  \n    <\/tr>\n    <tr style=\"background:#f8fafc\">\n      <td style=\"padding:12px 18px\"><strong>45+<\/strong> \u2014 Canadian<\/td>\n Vehicle<td style=\"padding:12px 18px;text-align:center\">$<\/td>\n<td style=\"padding:12px 18px;text-align:center;color:#dc2626;font-weight:700\">859 \u2013 $<\/td>\n99<td style=\"padding:12px 18px;text-align:center;color:#dc2626;font-weight:700\">+9 to 16%<\/td>                  \n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:14px\"><em>Sources: Sonnet (average QC ~$96\/month), ClicAssure (+13.7% in 2025), Deloitte\/BAC (+10.9% on vehicles\/parts), Assur360 projections. Actual amounts vary by driving record, region and insurer. To find out your exact cost, check out our <a href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/car-insurance-cost\/\">2026 car insurance cost comparator<\/a>.  <\/em><\/p>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px\"><span class=\"ez-toc-section\" id=\"The-car-parts-most-affected-by-the-prices\"><\/span>The car parts most affected by the prices<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Not all parts are equal when it comes to tariffs. Components with high technological value and those from complex international supply chains are experiencing the sharpest increases. Here is the detailed portrait:  <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;font-size:15px\">\n  <thead>\n    <tr style=\"background:#0d1f2d;color:#ffffff\">\n      <th style=\"padding:14px 18px;text-align:left;font-weight:700\">Parts<\/th>\n Category<th style=\"padding:14px 18px;text-align:left;font-weight:700\">Examples<\/th>\n<th style=\"padding:14px 18px;text-align:center;font-weight:700\">Estimated<\/th>\n increase<th style=\"padding:14px 18px;text-align:left;font-weight:700\">Why<\/th>                  \n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#ffffff\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;font-weight:700;color:#0d1f2d\">Electronics<\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">LED headlights, sensors, cameras, ADAS<\/td>\n modules<td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">+15 to 25%<\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Components imported from Asia via the United States<\/td>                  \n    <\/tr>\n    <tr style=\"background:#f8fafc\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;font-weight:700;color:#0d1f2d\">Security<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Airbags, bumper reinforcements, windshield<\/td>\n      <td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">+10 to 20%<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">+50% Steel\/Aluminum, Imported Specialty Glass<\/td>\n    <\/tr>\n    <tr style=\"background:#ffffff\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;font-weight:700;color:#0d1f2d\">Paint and materials<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Car paint, primer, varnish, resins<\/td>\n      <td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">+8 to 15%<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Imported chemical raw materials<\/td>\n    <\/tr>\n    <tr style=\"background:#f8fafc\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0;font-weight:700;color:#0d1f2d\">Semiconductors<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">ECU chips, control modules, sensors<\/td>\n      <td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">~$200\/vehicle<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Concentrated global supply chain<\/td>\n    <\/tr>\n    <tr style=\"background:#ffffff\">\n      <td style=\"padding:12px 18px;font-weight:700;color:#0d1f2d\">Batteries (EV)<\/td>\n<td style=\"padding:12px 18px\">Lithium-ion batteries, high-voltage<\/td>\n modules<td style=\"padding:12px 18px;text-align:center;color:#dc2626;font-weight:700\">+10 to 20%<\/td>\n<td style=\"padding:12px 18px\">Cells manufactured in China\/Korea, assembled in the U.S.<\/td>                  \n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\">The situation is particularly worrying for <a href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/electric-vehicle-insurance\/\">owners of electric vehicles<\/a>. Lithium-ion batteries, which account for 30 to 40 percent of the cost of an EV, contain components that are subject to multiple layers of tariffs. The insurance of an electric vehicle, already more expensive due to the high value of parts, is likely to suffer above-average increases.  <\/p>\n\n<p class=\"wp-block-paragraph\"><strong>ADAS<\/strong> (driver assistance systems) are another aggravating factor. A simple snag that damages a sensor-equipped bumper can result in a repair bill 3 to 5 times higher than 10 years ago. With the tariffs, the gap widens further. To properly assess the protection of your vehicle, read our article on <a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/replacement-cost-car-insurance-is-it-a-good-idea-2\/\">replacement cost car insurance<\/a>.   <\/p>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px\"><span class=\"ez-toc-section\" id=\"Canadian-assembled-vs-imported-vehicles-the-ranking\"><\/span>Canadian-assembled vs. imported vehicles: the ranking<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Where your vehicle is assembled directly influences the applicable customs tariff \u2014 and, by extension, the cost of your insurance. Vehicles <strong>assembled in Canada<\/strong> are exempt from tariffs on the vehicle itself, but not necessarily on their replacement parts. Here is the ranking:  <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:22px\">Canadian-assembled vehicles (less affected)<\/h3>\n\n<div style=\"overflow-x:auto;margin:32px 0\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;font-size:15px\">\n  <thead>\n    <tr style=\"background:#10c4c7;color:#ffffff\">\n      <th style=\"padding:14px 18px;text-align:left;font-weight:700\">Brand<\/th>\n      <th style=\"padding:14px 18px;text-align:left;font-weight:700\">Model<\/th>\n      <th style=\"padding:14px 18px;text-align:left;font-weight:700\">Factory in Canada<\/th>\n      <th style=\"padding:14px 18px;text-align:center;font-weight:700\">Impact of tariffs<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#ffffff\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/toyota-car-insurance-online-quote\/\">Toyota<\/a><\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">RAV4<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Woodstock, ON<\/td>\n      <td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#16a34a;font-weight:700\">Low<\/td>\n    <\/tr>\n    <tr style=\"background:#f8fafc\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Honda<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">CR-V<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Alliston, ON<\/td>\n      <td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#16a34a;font-weight:700\">Low<\/td>\n    <\/tr>\n    <tr style=\"background:#ffffff\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Honda<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Civic<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Alliston, ON<\/td>\n      <td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#16a34a;font-weight:700\">Low<\/td>\n    <\/tr>\n    <tr style=\"background:#f8fafc\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/toyota-car-insurance-online-quote\/\">Lexus<\/a><\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">RX \/ NX<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Cambridge, ON<\/td>\n      <td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#16a34a;font-weight:700\">Low<\/td>\n    <\/tr>\n    <tr style=\"background:#ffffff\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Chevrolet<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Silverado<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Oshawa, ON<\/td>\n      <td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#16a34a;font-weight:700\">Low<\/td>\n    <\/tr>\n    <tr style=\"background:#f8fafc\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Chrysler<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Pacifica \/ Grand Caravan<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Windsor, ON<\/td>\n      <td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#16a34a;font-weight:700\">Low<\/td>\n    <\/tr>\n    <tr style=\"background:#ffffff\">\n      <td style=\"padding:12px 18px\">Dodge<\/td>\n      <td style=\"padding:12px 18px\">Charging EV<\/td>\n      <td style=\"padding:12px 18px\">Brampton, ON<\/td>\n      <td style=\"padding:12px 18px;text-align:center;color:#16a34a;font-weight:700\">Low<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:22px\">Imported vehicles (most affected)<\/h3>\n\n<div style=\"overflow-x:auto;margin:32px 0\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;font-size:15px\">\n  <thead>\n    <tr style=\"background:#dc2626;color:#ffffff\">\n      <th style=\"padding:14px 18px;text-align:left;font-weight:700\">Brand<\/th>\n      <th style=\"padding:14px 18px;text-align:left;font-weight:700\">Model<\/th>\n      <th style=\"padding:14px 18px;text-align:left;font-weight:700\">Assembled<\/th>\n      <th style=\"padding:14px 18px;text-align:center;font-weight:700\">Impact of tariffs<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#ffffff\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><a href=\"https:\/\/www.assur360.ca\/en\/blog\/quote-online-comparator\/ford-car-insurance\/\">Ford<\/a><\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">F-150 \/ Mustang \/ Bronco<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Dearborn, MI \/ Mexico<\/td>\n      <td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">High<\/td>\n    <\/tr>\n    <tr style=\"background:#f8fafc\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">\n GM<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Tahoe \/ Corvette \/ Cadillac<\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Arlington, TX \/ Bowling Green, KY<\/td>\n<td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">High<\/td>                  \n    <\/tr>\n    <tr style=\"background:#ffffff\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Tesla<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">All models<\/td>\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Fremont, CA \/ Austin, TX<\/td>\n      <td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">High<\/td>\n    <\/tr>\n    <tr style=\"background:#f8fafc\">\n      <td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Kia<\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Telluride \/ EV6 \/ EV9<\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">West Point, GA \/ South<\/td>\n Korea<td style=\"padding:12px 18px;text-align:center;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:700\">High<\/td>                  \n    <\/tr>\n    <tr style=\"background:#ffffff\">\n      <td style=\"padding:12px 18px\">Hyundai<\/td>\n<td style=\"padding:12px 18px\">Santa Fe \/ Tucson<\/td>\n<td style=\"padding:12px 18px\">Montgomery, AL \/ South<\/td>\n Korea<td style=\"padding:12px 18px;text-align:center;color:#dc2626;font-weight:700\">High<\/td>                  \n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\">If you&#8217;re in the process of buying, choosing a Canadian-assembled vehicle like the <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/toyota-car-insurance-online-quote\/\">Toyota RAV4<\/a> or Honda Civic could save you not only on the purchase price, but also on your <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">long-term car insurance<\/a> . For <a href=\"https:\/\/www.assur360.ca\/en\/blog\/quote-online-comparator\/ford-car-insurance\/\">Ford<\/a> owners, the situation is more delicate since the most popular models (F-150, Mustang, Bronco) are all assembled in the United States. <\/p>\n\n<div style=\"background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%);border-radius:16px;padding:48px 40px;text-align:center;margin:40px 0\">\n  <p style=\"color:#10c4c7;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin-bottom:8px;font-weight:700\">Don&#8217;t overpay<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin-bottom:16px;font-weight:800;line-height:1.3\"><span class=\"ez-toc-section\" id=\"Is-your-vehicle-on-the-most-affected-list\"><\/span>Is your vehicle on the most affected list?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#c0d0dd;font-size:17px;margin-bottom:32px;max-width:600px;margin-left:auto;margin-right:auto\">Our brokers analyze your profile and find the best offers among several insurers. Free quote, no obligation. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:16px 48px;border-radius:30px;font-size:18px;font-weight:700;text-decoration:none\">Compare prices now<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px\"><span class=\"ez-toc-section\" id=\"10-concrete-tips-to-limit-the-impact-on-your-premium\"><\/span>10 concrete tips to limit the impact on your premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Despite the context, there are concrete levers to <a href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/how-to-get-cheaper-car-insurance-in-2026\/\">obtain cheaper car insurance<\/a>. Here are 10 proven strategies, ranked by savings potential: <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin:32px 0\">\n\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:28px\">\n    <p style=\"font-size:14px;color:#10c4c7;font-weight:700;margin-bottom:4px\">TIP 1<\/p>\n    <h3 style=\"font-size:18px;margin-bottom:8px;color:#0d1f2d\">Increase your deductible<\/h3>\n    <p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0\">Going from <strong>$500 to $1,000<\/strong> deductible can reduce your premium by <strong>5 to 10 percent<\/strong>. Going up to <strong>$2,000<\/strong> can save <strong>10 to 20 percent<\/strong>. Make sure you have this amount set aside in case of a claim. More details in our <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/tips-to-save-on-your-car-insurance-2\/\">tips for saving<\/a>.   <\/p>\n  <\/div>\n\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:28px\">\n    <p style=\"font-size:14px;color:#10c4c7;font-weight:700;margin-bottom:4px\">TIP 2<\/p>\n    <h3 style=\"font-size:18px;margin-bottom:8px;color:#0d1f2d\">Combine your car and home<\/h3>\n    <p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0\">The <strong>multi-product<\/strong> discount can be as high as <strong>10 to 15%<\/strong> with most insurers. Combine your home and auto <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">insurance<\/a> with the same provider to maximize savings. <\/p>\n  <\/div>\n\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:28px\">\n    <p style=\"font-size:14px;color:#10c4c7;font-weight:700;margin-bottom:4px\">TIP 3<\/p>\n    <h3 style=\"font-size:18px;margin-bottom:8px;color:#0d1f2d\">Install an anti-theft system<\/h3>\n    <p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0\">With the explosion of vehicle thefts in Quebec, a tracking system like <strong>Tag<\/strong> or <strong>Apple AirTag<\/strong> can generate significant discounts with insurers, in addition to protecting your vehicle.<\/p>\n  <\/div>\n\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:28px\">\n    <p style=\"font-size:14px;color:#10c4c7;font-weight:700;margin-bottom:4px\">TIP 4<\/p>\n    <h3 style=\"font-size:18px;margin-bottom:8px;color:#0d1f2d\">Embrace telematics<\/h3>\n    <p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0\">Programs like <strong>Intact&#8217;s &#8220;My Drive&#8221;<\/strong> analyze your driving behaviour and offer discounts of <strong>up to 25%.<\/strong> If you drive safely, it&#8217;s easy money to get back. <\/p>\n  <\/div>\n\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:28px\">\n    <p style=\"font-size:14px;color:#10c4c7;font-weight:700;margin-bottom:4px\">TIP 5<\/p>\n    <h3 style=\"font-size:18px;margin-bottom:8px;color:#0d1f2d\">Reduce your declared mileage<\/h3>\n    <p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0\">If teleworking has reduced your travel, inform your insurer. Going from <strong>20,000 km to 10,000 km<\/strong> per year can lead to a significant reduction in premium. Be honest: a false statement could invalidate your coverage.  <\/p>\n  <\/div>\n\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:28px\">\n    <p style=\"font-size:14px;color:#10c4c7;font-weight:700;margin-bottom:4px\">TIP 6<\/p>\n    <h3 style=\"font-size:18px;margin-bottom:8px;color:#0d1f2d\">Shop Every Year<\/h3>\n    <p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0\">Loyalty is not always rewarded in insurance. <strong>Compare offers<\/strong> from multiple insurers at each renewal. Check out our guide to the <a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/5-ways-to-save-on-your-car-insurance-policy\/\">5 ways to save on your car insurance<\/a>. <\/p>\n  <\/div>\n\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:28px\">\n    <p style=\"font-size:14px;color:#10c4c7;font-weight:700;margin-bottom:4px\">TIP 7<\/p>\n    <h3 style=\"font-size:18px;margin-bottom:8px;color:#0d1f2d\">Choose a Canadian-assembled vehicle<\/h3>\n    <p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0\">The <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/toyota-car-insurance-online-quote\/\">Toyota RAV4<\/a>, Honda CR-V and Honda Civic escape vehicle rates. Their insurance cost should remain more stable than that of imported models. <\/p>\n  <\/div>\n\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:28px\">\n    <p style=\"font-size:14px;color:#10c4c7;font-weight:700;margin-bottom:4px\">TIP 8<\/p>\n    <h3 style=\"font-size:18px;margin-bottom:8px;color:#0d1f2d\">Delay the purchase if possible<\/h3>\n    <p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0\">If your current vehicle is still reliable, wait for the <strong>CUSMA review in July 2026<\/strong>. The results of the negotiations could ease tariffs and lower prices. <\/p>\n  <\/div>\n\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:28px\">\n    <p style=\"font-size:14px;color:#10c4c7;font-weight:700;margin-bottom:4px\">TIP 9<\/p>\n    <h3 style=\"font-size:18px;margin-bottom:8px;color:#0d1f2d\">Choose recycled or Canadian pieces<\/h3>\n    <p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0\">In the event of a repair, ask your mechanic to use <strong>recycled parts<\/strong> or parts from Canadian suppliers. They are not subject to tariffs and often cost 30 to 50 percent less. <\/p>\n  <\/div>\n\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:28px\">\n    <p style=\"font-size:14px;color:#10c4c7;font-weight:700;margin-bottom:4px\">TIP 10<\/p>\n    <h3 style=\"font-size:18px;margin-bottom:8px;color:#0d1f2d\">Maintain your vehicle regularly<\/h3>\n    <p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0\">A well-maintained vehicle is less likely to require major repairs. Oil changes, brake inspections, tire replacements on time: these preventive actions reduce your risk of claims and, ultimately, your premium. <\/p>\n  <\/div>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px\"><span class=\"ez-toc-section\" id=\"Timing-When-will-the-hikes-hit\"><\/span>Timing: When will the hikes hit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The impact of rates on your premium doesn&#8217;t happen overnight. Insurers operate on actuarial cycles and adjust their rates gradually. Here is the planned schedule:  <\/p>\n\n<div style=\"margin:32px 0\">\n\n  <div style=\"display:flex;gap:24px;align-items:flex-start;margin-bottom:24px\">\n    <div style=\"min-width:120px;background:#16a34a;color:#ffffff;border-radius:12px;padding:16px 20px;text-align:center;font-weight:700;font-size:15px\">2025<\/div>\n    <div style=\"background:#f8fafc;border-radius:12px;padding:20px 24px;flex:1;border:1px solid #e2e8f0\">\n      <p style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:16px\">Minimal impact<\/p>\n      <p style=\"font-size:15px;color:#334155;margin:0;line-height:1.6\">The rates come into effect, but the <strong>actuarial delay<\/strong> prevents an immediate adjustment of the premiums. Insurers are temporarily absorbing the first additional costs while waiting to measure the real impact. <\/p>\n    <\/div>\n  <\/div>\n\n  <div style=\"display:flex;gap:24px;align-items:flex-start;margin-bottom:24px\">\n    <div style=\"min-width:120px;background:#f59e0b;color:#ffffff;border-radius:12px;padding:16px 20px;text-align:center;font-weight:700;font-size:15px\">H1 2026<\/div>\n    <div style=\"background:#f8fafc;border-radius:12px;padding:20px 24px;flex:1;border:1px solid #e2e8f0\">\n      <p style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:16px\">Modest and gradual increases<\/p>\n      <p style=\"font-size:15px;color:#334155;margin:0;line-height:1.6\">The first increases related to tariffs are starting to appear during renewals. <a href=\"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/\">Car insurance premiums in 2026<\/a> are gradually factoring in parts inflation and increased claims costs. <\/p>\n    <\/div>\n  <\/div>\n\n  <div style=\"display:flex;gap:24px;align-items:flex-start;margin-bottom:24px\">\n    <div style=\"min-width:120px;background:#dc2626;color:#ffffff;border-radius:12px;padding:16px 20px;text-align:center;font-weight:700;font-size:14px\">H2 2026<br \/>\u2013 2027<\/div>\n    <div style=\"background:#f8fafc;border-radius:12px;padding:20px 24px;flex:1;border:1px solid #e2e8f0\">\n      <p style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:16px\">Significant impact at renewal<\/p>\n      <p style=\"font-size:15px;color:#334155;margin:0;line-height:1.6\">This is the period when the 2025-2026 actuarial data are fully reflected in the premiums. Increases could reach <strong>5% and more<\/strong> directly related to tariffs, in addition to normal inflation in the sector. <\/p>\n    <\/div>\n  <\/div>\n\n  <div style=\"display:flex;gap:24px;align-items:flex-start\">\n    <div style=\"min-width:120px;background:#7c3aed;color:#ffffff;border-radius:12px;padding:16px 20px;text-align:center;font-weight:700;font-size:14px\">July<br \/>2026<\/div>\n    <div style=\"background:#f8fafc;border-radius:12px;padding:20px 24px;flex:1;border:1px solid #e2e8f0\">\n      <p style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:16px\">CUSMA Review \u2014 Pivotal Moment<\/p>\n      <p style=\"font-size:15px;color:#334155;margin:0;line-height:1.6\">The joint revision of the trade agreement could change everything. A relaxation of the rules of origin would stabilise prices. Tightening would make the situation worse. <strong>Uncertainty<\/strong> itself is a factor in the upside.   <\/p>\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px\"><span class=\"ez-toc-section\" id=\"What-the-July-2026-CUSMA-Review-Could-Change\"><\/span>What the July 2026 CUSMA Review Could Change<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The July 2026 review of the <strong>Canada-United States-Mexico Agreement<\/strong> is the most defining event for the future of auto rates \u2014 and, by extension, your insurance premium. Three scenarios are emerging: <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:32px 0\">\n  <div style=\"background:#f8fafc;border-radius:12px;padding:24px;border-top:4px solid #16a34a\">\n    <p style=\"font-weight:700;font-size:16px;color:#16a34a;margin-bottom:8px\">Optimistic scenario<\/p>\n    <p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0\">The three countries agree on an <strong>expansion of the exemptions<\/strong>. Tariffs on CUSMA-compliant vehicles and parts are reduced or eliminated. Premiums are gradually stabilizing.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-radius:12px;padding:24px;border-top:4px solid #f59e0b\">\n    <p style=\"font-weight:700;font-size:16px;color:#f59e0b;margin-bottom:8px\">Status quo scenario<\/p>\n    <p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0\">The negotiations dragged on without a clear resolution. The current rates <strong>remain in place<\/strong>. Uncertainty continues to weigh on the Canadian dollar and import costs.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-radius:12px;padding:24px;border-top:4px solid #dc2626\">\n    <p style=\"font-weight:700;font-size:16px;color:#dc2626;margin-bottom:8px\">Pessimistic scenario<\/p>\n    <p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0\">The rules of origin are <strong>tightened<\/strong>. More vehicles are losing their exemption. Rates could rise beyond 25%. Major impact on premiums.   <\/p>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">As Martin Boyer of <strong>HEC Montr\u00e9al<\/strong> points out, uncertainty itself is a cost factor. It devalues the Canadian dollar, makes forecasting difficult for insurers and encourages them to &#8220;overprotect&#8221; their margins. Regardless of the outcome of the review, consumers should act now to optimize their coverage. Consult an <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/my-insurance-broker-2\/\">insurance broker<\/a> who can guide you through this uncertain environment.   <\/p>\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/lautorite.qc.ca\/\" target=\"_blank\" rel=\"noopener\">Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a> is also monitoring the situation closely. Insurers will have to justify any increase deemed excessive, which offers some protection to Quebec consumers. However, if claims costs actually increase by 10-12% as Intact projects, regulators will have no choice but to allow tariff adjustments.  <\/p>\n\n<div style=\"background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%);border-radius:16px;padding:48px 40px;text-align:center;margin:40px 0\">\n  <p style=\"color:#10c4c7;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin-bottom:8px;font-weight:700\">Act before the hikes<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin-bottom:16px;font-weight:800;line-height:1.3\"><span class=\"ez-toc-section\" id=\"Protect-your-portfolio-before-the-next-renewal\"><\/span>Protect your portfolio before the next renewal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#c0d0dd;font-size:17px;margin-bottom:32px;max-width:600px;margin-left:auto;margin-right:auto\">Our brokers compare offers from multiple insurers to find you the best coverage at the best price \u2014 free of charge, with no obligation.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:16px 48px;border-radius:30px;font-size:18px;font-weight:700;text-decoration:none\">Get my free quote<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:16px;color:#0d1f2d;cursor:pointer\">Will Trump rates really increase my car insurance in Quebec?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#334155;line-height:1.7\">Oui. Les tarifs douaniers de 25 % sur les automobiles et les pi\u00e8ces import\u00e9es font grimper le co\u00fbt des r\u00e9parations. Selon le <a href=\"https:\/\/www.ibc.ca\/news-insights\/news\/truth-about-tariffs-us-trade-dispute-adding-costs\" target=\"_blank\" rel=\"noopener\">Bureau d&#8217;assurance du Canada (BAC)<\/a>, ces co\u00fbts suppl\u00e9mentaires seront in\u00e9vitablement refl\u00e9t\u00e9s dans les primes d&#8217;assurance auto. Au Qu\u00e9bec, les hausses pourraient atteindre 5 % et plus selon le v\u00e9hicule assur\u00e9.<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:16px;color:#0d1f2d;cursor:pointer\">How much could car insurance premiums increase?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#334155;line-height:1.7\">Selon les projections du BAC et de l&#8217;AIRB, les primes pourraient augmenter jusqu&#8217;\u00e0 5 % en raison directe des tarifs. Au Qu\u00e9bec, <a href=\"https:\/\/www.clicassure.com\/assurance-auto\/blogue\/prime-assurance-augmentent-au-quebec\" target=\"_blank\" rel=\"noopener\">ClicAssure<\/a> rapporte d\u00e9j\u00e0 une hausse de 13,7 % entre 2024 et 2025. Intact Assurance pr\u00e9voit une hausse de 12 % sur les co\u00fbts de r\u00e9clamations auto et de 8 % globalement.<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:16px;color:#0d1f2d;cursor:pointer\">Which vehicles are most affected by tariffs?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#334155;line-height:1.7\">Les v\u00e9hicules assembl\u00e9s aux \u00c9tats-Unis ou au Mexique sont les plus touch\u00e9s : <a href=\"https:\/\/www.assur360.ca\/blog\/soumission\/assurance-auto-ford\/\">Ford<\/a> F-150, Mustang et Bronco, GM Tahoe, Corvette et Cadillac, Tesla (tous les mod\u00e8les), Kia Telluride, Hyundai Santa Fe, EV6 et EV9. Leurs pi\u00e8ces de remplacement subissent aussi des hausses de 4 \u00e0 20 %.<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:16px;color:#0d1f2d;cursor:pointer\">Are vehicles assembled in Canada spared?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#334155;line-height:1.7\">Partiellement. Les v\u00e9hicules assembl\u00e9s au Canada comme le <a href=\"https:\/\/www.assur360.ca\/?p=5287\">Toyota RAV4<\/a>, Honda CR-V, Honda Civic, Lexus RX\/NX et Chevrolet Silverado \u00e9chappent aux tarifs sur le v\u00e9hicule lui-m\u00eame. Toutefois, plus de <a href=\"https:\/\/www.protegez-vous.ca\/nouvelles\/automobile\/ces-seuls-10-vehicules-sont-fabriques-au-canada\" target=\"_blank\" rel=\"noopener\">70 % des pi\u00e8ces<\/a> utilis\u00e9es au Canada sont import\u00e9es et restent sujettes aux surtaxes.<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:16px;color:#0d1f2d;cursor:pointer\">Which auto parts cost more because of the tariffs?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#334155;line-height:1.7\">Les composants \u00e9lectroniques (phares \u00e0 DEL, capteurs, cam\u00e9ras, modules ADAS) sont les plus touch\u00e9s avec des hausses de 15 \u00e0 25 %. Suivent les pi\u00e8ces de s\u00e9curit\u00e9 (coussins gonflables, renforts pare-chocs, pare-brise) en hausse de 10 \u00e0 20 %, les mat\u00e9riaux de peinture (+8 \u00e0 15 %) et les semi-conducteurs (+200 $\/v\u00e9hicule environ).<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:16px;color:#0d1f2d;cursor:pointer\">When will the premium increases be felt?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#334155;line-height:1.7\">L&#8217;impact est progressif. En 2025, les hausses \u00e9taient minimales en raison du d\u00e9lai actuariel. Au premier semestre 2026, des augmentations modestes et graduelles sont en cours. C&#8217;est au second semestre 2026 et en 2027 que l&#8217;impact sera significatif, au moment du renouvellement de votre police. Consultez notre <a href=\"https:\/\/www.assur360.ca\/guide-assurance-auto-2026\/\">guide d&#8217;assurance auto 2026<\/a> pour plus de d\u00e9tails.<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:16px;color:#0d1f2d;cursor:pointer\">How can I reduce the impact of rates on my insurance premium?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#334155;line-height:1.7\">Augmentez votre franchise (passer de 500 $ \u00e0 1 000 $ peut r\u00e9duire la prime de 5 \u00e0 10 %), regroupez vos assurances auto et <a href=\"https:\/\/www.assur360.ca\/assurance-habitation\/\">habitation<\/a>, installez un syst\u00e8me antivol, adoptez la t\u00e9l\u00e9matique (rabais jusqu&#8217;\u00e0 25 %), <a href=\"https:\/\/www.assur360.ca\/blog\/prix\/comment-obtenir-une-assurance-auto-moins-chere\/\">magasinez vos assurances<\/a> chaque ann\u00e9e et privil\u00e9giez un v\u00e9hicule assembl\u00e9 au Canada.<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:16px;color:#0d1f2d;cursor:pointer\">What is the July 2026 CUSMA Review?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#334155;line-height:1.7\">L&#8217;Accord Canada\u2013\u00c9tats-Unis\u2013Mexique (ACEUM, ou CUSMA en anglais) fait l&#8217;objet d&#8217;une r\u00e9vision conjointe pr\u00e9vue en juillet 2026. Cette r\u00e9vision pourrait modifier les r\u00e8gles d&#8217;origine et les exemptions, ce qui influencerait directement le niveau de tarifs sur les v\u00e9hicules et les pi\u00e8ces nord-am\u00e9ricaines. Le <a href=\"https:\/\/www.quebec.ca\/entreprises-et-travailleurs-autonomes\/commerce\/accords-commerciaux\/tarifs-douaniers-americains\/tarifs-mesures\" target=\"_blank\" rel=\"noopener\">gouvernement du Qu\u00e9bec<\/a> suit les n\u00e9gociations de pr\u00e8s.<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:16px;color:#0d1f2d;cursor:pointer\">Are electric vehicles more affected than gasoline-powered vehicles?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#334155;line-height:1.7\">Oui, les <a href=\"https:\/\/www.assur360.ca\/blog\/comparateur\/assurance-vehicule-electrique\/\">v\u00e9hicules \u00e9lectriques<\/a> sont g\u00e9n\u00e9ralement plus touch\u00e9s. Leurs batteries lithium-ion, modules \u00e9lectroniques avanc\u00e9s et syst\u00e8mes ADAS contiennent davantage de composants import\u00e9s. Tesla, dont tous les mod\u00e8les sont assembl\u00e9s aux \u00c9tats-Unis, subit la totalit\u00e9 des tarifs de 25 %.<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:16px;color:#0d1f2d;cursor:pointer\">Can an insurance broker help me save money despite the rates?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#334155;line-height:1.7\">Absolument. Un <a href=\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/courtier-dassurance\/\">courtier d&#8217;assurance<\/a> a acc\u00e8s \u00e0 plusieurs assureurs et peut comparer les offres pour trouver la meilleure couverture au meilleur prix. Il peut aussi vous recommander des ajustements (franchise, regroupement, t\u00e9l\u00e9matique) adapt\u00e9s \u00e0 votre situation. <a href=\"https:\/\/www.assur360.ca\/soumission-auto-rapide-en-ligne\/\">Obtenez une soumission gratuite<\/a> pour voir combien vous pourriez \u00e9conomiser.<\/p>\n<\/details>\n","protected":false},"excerpt":{"rendered":"<p>The 25% tariffs on autos are driving up replacement parts in Canada. Find out how your car insurance premium in Quebec will be affected, the most affected vehicles and parts, the timing of increases, and 10 concrete tips to save money. <\/p>\n","protected":false},"author":49,"featured_media":39182,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Trump Rates and Car Insurance: Will Your Premium Explode? | Assur360 ","_seopress_titles_desc":"25% customs tariffs on automobiles: impact on your car insurance premium in Quebec, affected vehicles and 10 tips to 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