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Cost of car insurance in Québec per month – $75
The average cost of car insurance in Québec is $75 a month among YouSet users. However, your unique premium will depend on a variety of factors, including where you live, your driving record, your claims history, and your chosen coverage limits.
Cost of car insurance in Québec per year – $898
On average, Québec drivers pay $898 a year for car insurance through YouSet. This figure provides a useful benchmark that can help you gauge whether you’re getting a fair deal or if you’d be better off exploring alternative providers.
Cost of car insurance in Québec by city
Regardless of whether you’re buying insurance for your home, your car, or both, insurers will always take where you live into account. That’s because in urban areas, such as the Greater Montreal area, there are higher concentrations of vehicles and people, leading to increased risks of accidents, theft, and vandalism. As the risk increases, so do insurance premiums, especially when compared to more rural or suburban areas where the number of vehicles and people is reduced.
You can see this in the following table, which highlights the average price of car insurance by city.
| City | Cost per month | Cost per year |
| Montréal | $92 | $1,108 |
| Québec City | $65 | $783 |
| Gatineau | $69 | $828 |
| Longueuil | $74 | $887 |
| Laval | $80 | $954 |
| Sherbrooke | $66 | $791 |
| Trois-Rivières | $63 | $752 |
| Lévis | $62 | $747 |
| Saint-Jerome | $66 | $796 |
| Brossard | $76 | $910 |
Cost of minimum coverage car insurance in Québec
Although Québec has a public no-fault car insurance plan, drivers must also secure a separate civil liability insurance policy. At YouSet, the minimum amount of coverage offered for this type of policy is $1,000,000. You can see the average price from different Québec insurers in the table below.
| Insurer | Cost per year |
| Economical | $417 |
| Intact | $284 |
| L’Unique | $355 |
| Promutuel | $394 |
Cost of car insurance for young drivers in Québec
Young drivers typically face higher premiums due to the increased risk they pose to insurers, as they are statistically more likely to be involved in car accidents. The table below shows the average car insurance prices for drivers aged 18 to 25 from various Québec insurers.
| Insurer | Cost per year for drivers under 25 |
| Economical | $1,416 |
| Intact | $936 |
| L’Unique | $878 |
| Promutuel | $1,478 |
Cost of car insurance with a claim in Québec
The cost of car insurance often increases after filing a claim, as insurers adjust premiums to reflect the added risk. How much will depend on several factors, including the type of claim, your driving history, and whether you’re deemed at fault. To give you an idea though, the table below shows the average cost of car insurance for drivers with a claim on their record from the past six years.
| Insurer | Cost per year |
| Economical | $1,143 |
| Intact | $984 |
| L’Unique | $1,103 |
| Promutuel | $1,444 |
Car insurance prices in Québec since 2021
Prices across the insurance industry, including car insurance, have increased in recent years, in part due to inflation, rising repair costs, and changes in risk assessment. On top of that, the growing auto theft crisis is driving up claims costs, which have now reached $1.5 billion – more than double the annual average from 2018 to 2021 – leading to higher premiums for everyone.
| Year | Cost per year |
| 2024 | $1,298 |
| 2023 | $1,255 |
| 2022 | $1,164 |
| 2021 | $1,117 |
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Average third-party liability coverage limit in Québec
If you ever get into an accident that causes harm to another person or their property, you might face significant legal claims, medical expenses, and repair costs. Thankfully, third-party liability coverage helps protect you from these potentially overwhelming financial burdens by covering expenses up to your policy’s limit. Since these expenses can add up quickly, the majority (82%) of YouSet users in Québec opt for a one-million-dollar third-party liability coverage limit.
| Liability insurance coverage amount | % of drivers |
| $1,000,000 | 82% |
| $2,000,000 | 18% |
Most common car insurance claims in Québec
The most common car insurance claims among YouSet users in Québec are collision, glass breakage, vandalism, and theft-related. Consider using the information in the table below, which details the average claim amounts for each coverage option, to choose limits that best protect you and your vehicle.
| Type of claim | Claim amount |
| Collision | $6,790 |
| Glass breakage | $883 |
| Vandalism | $2,797 |
| Theft | $22,076 |
How to get cheap car insurance in Québec
If you want cheap car insurance, your best bet is to find an insurance provider, like YouSet, who will work to secure you the coverage you need at a price you’ll love. Alongside choosing the right provider, here are some additional steps you can take to help yourself score more affordable car insurance in Québec.
Drive safe
The best way to keep your premium low is to avoid accidents and traffic violations. Not only does this help you save money immediately, but maintaining a clean driving record can also open up the possibility for additional discounts over time.
Use a car insurance comparison tool
Comparing car insurance can save you anywhere from a few dollars to a few hundred. With tools like YouSet, the process is automated – find and purchase the best quote online instantly, without needing to make or take any phone calls.
Bundle your policies
If you have home, tenant, or condo insurance, bundling your policies together can save you money and make your life easier. In fact, at YouSet, it can save you an additional 15%.
Install anti-theft devices
Given what many are calling the “car theft crisis in Canada”, installing additional anti-theft devices not only provides extra security but may also qualify you for lower insurance premiums depending on who your insurer is.
Pay for the year upfront
Whenever you can, pay your premium for the entire year upfront. This can lead to potential discounts and helps you avoid the 2-4% interest typically incurred with monthly payments.
Unlock exclusive rates and discounts in less than 4 minutes
As a digital insurance broker in Québec, YouSet is uniquely positioned to help drivers, just like you, save money on insurance. Through partnerships with some of the province’s most recognizable insurers and our proprietary technology, we’re able to secure you the most competitive rates and apply exclusive discounts for you, resulting in savings of up to 29%.
Is car insurance mandatory in Québec?
Yes, it is mandatory to have car insurance in Québec. Although the province has a public no-fault car insurance plan, you must also have a civil liability insurance policy with at least $50,000 in coverage. However, most insurers won’t offer policies with just $50,000 in coverage, the limit will often be much higher.
How much is car insurance in Québec?
The average price of car insurance in Québec is $78 a month or $898 a year among YouSet users. While this will give you a general idea of what other drivers in the province are paying, prices can vary significantly because of how many factors are used to calculate the cost of car insurance.
Which city has the highest car insurance prices in Québec?
Among YouSet users, residents of Saint-Gabriel-de-Kamouraska, Québec face the highest car insurance costs, averaging $373 per month or $4,470 per year.
Making it easier to buy car insurance online since 2017
Since 2017, YouSet has been making it easier for Canadians to buy car insurance online. Why spend hours manually comparing quotes when our proprietary technology can do it all for you in less than 4 minutes? Not only that, but we’ll also have Canada’s top insurance providers competing for your business, ensuring you get the lowest-priced offers. With over 250,000 users and an average rating of 4.9 stars on Google and Facebook, YouSet is a trusted way to get the coverage you need for less.
