The average cost of car insurance in Montréal is $92 per month among YouSet users, though policies can start as low as $16 a month. Just keep in mind: the “average” isn’t necessarily what you should be paying, it’s simply a midpoint across a wide range of driver profiles.

Generally speaking, car insurance tends to be more expensive in Montréal than in other parts of Quebec in large part because more people and heavier traffic = higher risk of accidents and other claims = higher premiums.

For example, Montréal has over 2 million inhabitants, while cities like Quebec City and Gatineau have well under one million. More drivers and more traffic naturally lead to more accidents and claims, which helps explain why insurance tends to cost more in Montréal. While population isn’t the only factor, it is a major one.

In Montréal, auto insurers calculate your premium based on a combination of personal, driving, and vehicle-related factors. They do this to assess the level of risk you pose as a client and determine how much you’ll pay for car insurance.

Factors that can affect your car insurance premium include:

• Your age and driving experience
• Your gender
• Your marital status
• Your driving record, including tickets and traffic violations
• Your history of at-fault vs. not-at-fault car accidents
• Your insurance history (claims, cancellations, non-payments)
• Your location (where you live and drive)
• Your vehicle’s make, model, year, and any modifications
• What you use your car for (ex. pleasure vs. commuting)

If you’re looking to get cheaper car insurance in Montréal, here are a few practical things you can try that may help lower your premium:

• Use a broker (like YouSet) which compares multiple quotes automatically to find you the best price
• Bundle your home and car insurance through YouSet to save up to an additional 15% on your premium
• Apply all eligible discounts—or let YouSet automatically find and apply them for you
• Choose a higher deductible, if you can comfortably afford it, to reduce your premium
• Opt into telematics or usage-based programs, such as Intact MyDrive or Wawanesa Drive Change, to potentially earn savings based on safe driving habits
• Maintain a clean driving record to keep your traffic violations and claims history low
• Evaluate your coverage needs based on your car’s current value, rather than defaulting to full coverage unnecessarily
• Avoid street parking whenever possible; use secured or covered parking to reduce theft and damage risk
• Recheck your policy after major life changes, like moving, commuting less, or removing a child as an occasional driver, to ensure your coverage is up to date and cost-effective

In Montréal, drivers are legally required to have at least $50,000 in third-party liability coverage from a private car insurance provider (like YouSet!) This is required on top of the automatic protection offered by Quebec’s public car insurance plan, the Société de l’assurance automobile du Québec (SAAQ). Keep in mind, neither of these mandatory coverages protects your own vehicle against damage. For that, optional collision and comprehensive coverage is strongly recommended.

There are many highly regarded car insurance brokers in Montréal to choose from. Some operate from physical offices, while others—like YouSet—are fully digital brokers.

Even without a storefront, digital brokers are AMF-licensed, meaning they are fully authorized to sell car insurance in Montréal. This means YouSet can provide the same expertise, coverage options, and personalized service as traditional brokers—often at a better price because their online model reduces costs and allows them to pass the savings on to you.

YouSet is a safe way to buy car insurance online in Montréal. As a fully licensed digital broker, we’re regulated and recognized by the AMF as a legitimate provider. Plus, we built out platform with your safety in mind. This means we only collect the information necessary to provide accurate quotes, protect it with strict physical, administrative, and technical safeguards, and limit access to employees who need it to perform their duties. Plus, with hundreds of thousands of users and an average online customer rating of 4.9 out of 5 stars, our platform has a proven track record you can trust.