Quebec car insurance pricing report (2026)
How much does car insurance cost in Quebec? This report analyzes YouSet’s proprietary quote data to reveal median monthly premiums.
How much does car insurance cost in Quebec?
The median cost of car insurance in Québec is $114 per month, making it one of the most affordable provinces in Canada. That said, the range is between $30 and $283 a month. Where you fall within that range depends on five key factors: your location, your driver profile, your vehicle, your coverage level, and your chosen deductible.
Québec’s relatively low premiums are partly structural: the province operates a public auto insurance system (SAAQ) that covers bodily injury claims, leaving private insurers to cover only property damage and civil liability. This significantly reduces the risk pool compared to fully private provinces like Ontario.
Is car insurance getting more expensive in Quebec?
Car insurance premiums in Québec have been rising for the past several years, but it’s not a trend unique to the province. Drivers across Canada are seeing car insurance become more expensive largely due to higher repair costs, more complex vehicle technology, and more frequent and severe weather-related claims.
However, the size of those increases can vary significantly depending on where you shop. YouSet customers saw year-over-year increases of just 1%, compared to 8% across the broader market.
This difference can be attributed to YouSet’s model as a marketplace and broker. Its proprietary technology compares real-time quotes from 20+ insurers, automatically applies all eligible discounts, including broker-exclusive rates, and identifies the best-priced offer available. Access to a broader range of pricing options alone can be enough to reduce year-over-year price increases.
On top of that, YouSet’s AMF-licensed brokers can also provide additional support by identifying opportunities to reduce premiums when more competitive options or savings opportunities are available.
Stay ahead of rising premiums
What factors affect auto insurance rates in Quebec?
Car insurance rates aren’t arbitrary. They’re based on hundreds of variables that insurers use to estimate the level of risk you pose to them as a customer. While every insurance company has its own pricing model, the factors that have the biggest impact on what you’ll pay are your location, vehicle, driver profile, insurance history, coverage choices, and deductibles.
Other factors, such as your discounts and the insurer’s proprietary underwriting model, can also influence your premium, but these five have the greatest impact for most drivers.
The most and least expensive cities for car insurance in Quebec
Within Quebec, car insurance premiums can vary significantly by city and even by postal code. That’s because every area has a different risk profile based on factors like claims history, theft rates, traffic density, and collision frequency.
Cost of car insurance in Quebec by city
| Montréal | $33 | $128 | $334 |
| Laval | $30 | $121 | $294 |
| Québec City | $31 | $108 | $247 |
| Gatineau | $29 | $105 | $244 |
| Longueuil | $32 | $121 | $265 |
| Sherbrooke | $24 | $91 | $226 |
| Saint-Hubert | $29 | $117 | $272 |
| Terrebonne | $30 | $119 | $262 |
| Brossard | $35 | $129 | $286 |
| Trois-Rivières | $29 | $106 | $241 |
| Lévis | $32 | $110 | $239 |
| Repentigny | $34 | $111 | $249 |
| Saint-Jérôme | $33 | $116 | $239 |
| Saint-Jean-Sur-Richelieu | $30 | $101 | $228 |
| Drummondville | $24 | $103 | $248 |
| Granby | $24 | $101 | $240 |
| Mirabel | $34 | $127 | $253 |
| Dollard-des-Ormeaux | $34 | $130 | $269 |
| Châteauguay | $29 | $97 | $234 |
| Saint-Hyacinthe | $28 | $96 | $228 |
| Blainville | $30 | $99 | $218 |
| Saint-Eustache | $31 | $109 | $221 |
Key insights
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Dollard-des-Ormeaux had the highest median monthly car insurance premium in Quebec at $130, compared to the provincial median of $114.
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Sherbrooke had the lowest median monthly car insurance premium in Quebec at $91.
Price by car make
Some car makes cost more to insure than others. That’s because some vehicles are more expensive to repair, more likely to be stolen, or have a higher claims frequency.
Cost of insurance in Quebec by car make
| Hyundai | $33 | $116 | $273 |
| Honda | $27 | $100 | $275 |
| Toyota | $25 | $97 | $260 |
| Kia | $35 | $124 | $274 |
| Nissan | $31 | $100 | $233 |
| Tesla | $88 | $195 | $434 |
| Volkswagen | $32 | $108 | $259 |
| Chevrolet | $29 | $103 | $239 |
| Ford | $28 | $108 | $274 |
| Mazda | $29 | $110 | $272 |
Key insights
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The most expensive car make in Quebec for car insurance was Tesla, with a median monthly cost of $195.
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Insuring a Tesla in Quebec costs $98 more per month than a Toyota, the cheapest and priciest of YouSet’s 10 most-quoted makes.
Price by vehicle type
The vehicle you choose can have a significant impact on what you pay for car insurance. Larger vehicles like SUVs and trucks may have different repair costs and claims patterns than smaller vehicles like sedans and hatchbacks, while minivans often have a different risk profile due to their typical usage and driver demographics.
Cost of car insurance in Quebec by vehicle type
| SUV/Crossover | $40 | $136 | $293 |
| Sedan | $28 | $97 | $280 |
| Hatchback | $23 | $65 | $203 |
| Pickup truck | $26 | $120 | $282 |
| Minivan | $21 | $53 | $180 |
Key insights
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The most expensive type of vehicle to insure in Quebec is a SUV/Crossover, coming in with a median monthly insurance premium of $136.
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The cheapest type of vehicle to insure in Quebec is a Minivan, coming in with a median monthly insurance premium of $53.
Price for new vs. used cars
The age and condition of your vehicle can influence how much you pay for car insurance. New, used, and demo vehicles each have different risk profiles based on their value, repair costs, replacement parts, and claims experience.
Cost of car insurance in Quebec by purchase type
| New | $55 | $152 | $314 |
| Used | $27 | $94 | $265 |
| Demo | $34 | $135 | $328 |
Key insights
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New vehicles had the highest median monthly car insurance premium at $152. That’s because they typically have higher replacement values and repair costs, increasing the potential cost of an insurance claim.
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In Quebec, used cars cost $58 less per month to insure than new ones. That’s a savings of nearly $700 per year.
Price for financed vs. leased cars
Vehicle ownership status is one of the factors that can influence car insurance costs. Financed, leased, and fully paid-off vehicles may have different coverage requirements based on lender or leasing conditions, vehicle value, and the level of financial risk.
Cost of car insurance in Quebec by ownership type
| Financed | $85 | $176 | $343 |
| Leased | $90 | $174 | $327 |
| Owned (Paid) | $24 | $63 | $184 |
Key insights
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In Quebec, the median monthly cost of car insurance for leased vehicles ($174) and financed vehicles ($176) is very similar. This is in large part due to the fact that leasing companies and car loan providers typically require collision and comprehensive coverage until the car is paid off and the agreement ends.
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Quebec drivers who own their vehicle outright pay less for car insurance than those with a financed or leased vehicle ($63 monthly median).
Price by age of driver
Age can have a big impact on car insurance costs. Younger drivers typically pay more because they have less driving experience and are statistically more likely to be involved in collisions, while experienced drivers can see lower premiums.
Cost of car insurance in Quebec by age group
| 20 and under | $43 | $166 | $395 |
| 20s | $34 | $142 | $336 |
| 30s | $30 | $120 | $276 |
| 40s | $28 | $111 | $245 |
| 50s | $25 | $92 | $207 |
| 60s | $23 | $76 | $175 |
| 70s | $22 | $79 | $167 |
Key insights
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Drivers who are under 20 years old pay the most for car insurance in Quebec, with a monthly premium of $166, reflecting the higher risk typically associated with those who have less experience behind the wheel.
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Drivers in their 60s typically pay the least for car insurance in Quebec ($76), with experienced drivers generally benefiting from a longer driving history.
Price by years insured
Your insurance history is factored into your car insurance premium. The longer your insurance history is, the more information insurers have about the level of risk you present to them. Since there is less information available for drivers with little or no insurance history, they may pay more. That said, this is just one of many factors that contribute to the price of car insurance in Quebec.
Cost of car insurance in Quebec by years insured
| 1 year | $31 | $133 | $312 |
| 2 years | $30 | $134 | $307 |
| 3 years | $30 | $130 | $294 |
| 4 years | $30 | $121 | $280 |
| 5 years or more | $27 | $103 | $227 |
Key insights
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Drivers who have been insured for 2 years or less, pay the most for car insurance with a median monthly premium at $134. As the number of years insured increases, prices generally decline.
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As expected, drivers who have been continuously insured for 5 or more years had the lowest median monthly premium ($103).
Price by Quebec insurers
Different insurers price risk differently, which means the cost of car insurance can vary. Using YouSet quote data, we’ve analyzed median monthly premiums across insurers to show how prices compare based on thousands of real quote applications.
Cost of car insurance in Quebec by insurer
| L’Unique | $30 | $139 | $320 |
| Promutuel | $44 | $142 | $269 |
| Intact | $27 | $108 | $298 |
| Economical | $28 | $77 | $179 |
| Wawanesa | $31 | $115 | $273 |
Key insights
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With YouSet, the median price of car insurance with Economical was $77, making it one of the overall cheapest options for Quebec drivers.
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Unique received the most quote applications among insurers analyzed, with 12766 applications. Intact ranked second with 10890 applications.
Explore pricing by insurer
Compare quotes from 20+ Quebec insurers
Get a quotePrice for comprehensive vs. liability-only car insurance
The type of coverage you choose can have a significant impact on your car insurance premium. More extensive coverage options, like collision and comprehensive insurance, provide greater protection but typically come with higher costs. Drivers who choose liability-only coverage may pay less, but they have more limited protection in the event of damage to their own vehicle.
Cost of car insurance in Quebec by coverage
| Notes | ||
|---|---|---|
| Liability-only | $36 | Minimum coverage; Least popular |
| Liability + comprehensive | $56 | |
| Liability + collision | $94 | Targeted coverage |
| Liability + collision + comprehensive | $153 | Most popular |
Key insights
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In Quebec, drivers pay a median of $117 more per month for a policy that includes liability, collision, and comprehensive coverage compared to liability-only.
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Liability-only coverage is the most affordable car insurance option in Quebec, with a median monthly premium of $36, but it provides less protection than policies that include coverage for damage to your own vehicle.
Price for $1 vs. $2 million in liability coverage
The type of coverage you choose can have a significant impact on your car insurance premium. More extensive coverage options, like collision and comprehensive insurance, provide greater protection but typically come with higher costs. Drivers who choose liability-only coverage may pay less, but they have more limited protection in the event of damage to their own vehicle.
Cost of car insurance in Quebec by liability limit
| $1,000,000 | $28 | $114 | $287 |
| $2,000,000 | $38 | $110 | $249 |
Key insights
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Among YouSet applications for car insurance in Quebec, $1 million in personal liability coverage was the most popular choice.
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Methodology
This report is based on real, anonymized quote data collected through YouSet’s platform for drivers in Quebec, not survey responses or hypothetical rate filings. Every figure reflects an actual quote generated for a real applicant shopping for car insurance through YouSet.
Time period
Most tables in this report are based on 44,598 applications generated between June 18, 2025 and June 18, 2026, a trailing 12-month window, refreshed annually. The “By Year” table is the one exception: it draws on YouSet’s full dataset from January 1, 2022 onward — 154,649 applications that generated 589,138 quotes, since each application is shopped across multiple carriers.
Geographic scope
All data is limited to applicants located in the province of Quebec. Qualifying criteria: only quotes from applicants in good standing are included, meaning the applicant met YouSet’s minimum eligibility thresholds to qualify for a quote in the first place. Where an applicant shopped multiple insurers, only the one quote YouSet identifies as the best match for that applicant is counted, so no single applicant is represented more than once in a given table.
Reading the numbers
Rather than a single average, each figure is reported as a range: the 10th percentile (“Low”), the median (“Median”), and the 90th percentile (“High”). The median is the true middle value of all quotes in that group — half of quotes were cheaper, half were more expensive — and it isn’t distorted by a handful of unusually high or low outliers the way a plain average can be. The 10th and 90th percentiles show a realistic low and high end: 10% of quotes in that group were cheaper than the “Low” figure, and 10% were more expensive than the “High” figure, so the middle 80% of real quotes fall inside that range.
Review process
YouSet regularly updates this report to reflect changing market conditions and new data as it becomes available. Each update follows the same review process to help ensure the information remains accurate, reliable, and useful for Canadians shopping for insurance.
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