{"id":19080,"date":"2026-10-28T05:01:18","date_gmt":"2026-10-28T05:01:18","guid":{"rendered":"https:\/\/youset.ca\/?p=19080"},"modified":"2026-09-28T19:09:31","modified_gmt":"2026-09-28T19:09:31","slug":"why-montreal-drivers-pay-12-percent-more-for-car-insurance","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/why-montreal-drivers-pay-12-percent-more-for-car-insurance\/","title":{"rendered":"Montreal Drivers Pay 12% More for Insurance Than Others in Quebec. Here&#8217;s Why."},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/youset.ca\/en\/car-insurance\/quebec\/pricing-report\/\">YouSet\u2019s 2026 Quebec car insurance pricing data<\/a> found that Montreal drivers pay a median of $128 per month for car insurance, compared with $114 across Quebec. That makes Montreal\u2019s median premium about 12% higher.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But why does living in Montreal affect how much you pay for car insurance? To understand the difference, we looked beyond the data at some of the location-related factors insurers consider, including claims, collisions, vehicle theft, and where you live within the city.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We also look at how Montreal compares to other cities in Quebec, how premiums vary between Montreal boroughs, and what drivers can do to help lower their car insurance costs.<\/p>\n\n\n\n\t<section id=\"post-callout-block_709fabcc6293d696817d00bdb73ebeda\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Key takeaways<\/p>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The median cost of car insurance in Montreal is $128 per month, 12% higher than Quebec&#8217;s provincial median of $114<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Montreal is among the more expensive Quebec cities in YouSet&#8217;s data, although Dollard-des-Ormeaux ($130) and Brossard ($129) have slightly higher median premiums<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Montreal&#8217;s median premium is 41% higher than Sherbrooke&#8217;s $91, the lowest among the cities analyzed<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Location can affect car insurance rates because insurers consider localized factors such as claims history, theft risk, traffic and collision frequency<\/span><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 id=\"h-how-much-does-car-insurance-cost-in-montreal\" class=\"wp-block-heading\">How much does car insurance cost in Montreal?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The median cost of car insurance in Montreal is $128 per month, or $1,536 per year, according to YouSet\u2019s 2026 Quebec car insurance pricing data. That\u2019s 12% higher than the Quebec median of $114 per month, a difference of $14 per month or $168 per year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, car insurance premiums can vary significantly from one driver to another. In YouSet\u2019s data for Montreal applicants, quoted premiums ranged from $33 to $334 per month. Across Quebec, premiums ranged from $30 to $283.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Location<\/strong><\/td><td><strong>Low<\/strong><\/td><td><strong>Median<\/strong><\/td><td><strong>High<\/strong><\/td><td><strong>Annual median<\/strong><\/td><\/tr><tr><td>Montreal<\/td><td>$33<\/td><td>$128<\/td><td>$334<\/td><td>$1,536<\/td><\/tr><tr><td>Quebec<\/td><td>$30<\/td><td>$114<\/td><td>$283<\/td><td>$1,368<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">$128 per month is a useful benchmark for the average Montreal driver, but your actual premium could be higher or lower depending on your location, vehicle, driving history, coverage, and other factors.&nbsp;<\/p>\n\n\n\n<h2 id=\"h-how-does-montreal-car-insurance-compare-to-other-cities-in-quebec\" class=\"wp-block-heading\">How does Montreal car insurance compare to other cities in Quebec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At a median of $128 per month, Montreal is one of the more expensive cities for <a href=\"https:\/\/youset.ca\/en\/car-insurance\/location\/quebec\/\">car insurance in Quebec<\/a>. However, premiums vary considerably across the province, and Montreal isn\u2019t the most expensive in the dataset.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Median monthly premium<\/strong><\/td><td><strong>Difference vs. Montreal<\/strong><\/td><td><strong>% difference<\/strong><\/td><\/tr><tr><td>Dollard-des-Ormeaux<\/td><td>$130<\/td><td>+$2<\/td><td>2% lower<\/td><\/tr><tr><td>Brossard<\/td><td>$129<\/td><td>+$1<\/td><td>1% lower<\/td><\/tr><tr><td><strong>Montreal<\/strong><\/td><td><strong>$128<\/strong><\/td><td>\u2013<\/td><td>\u2013<\/td><\/tr><tr><td>Laval<\/td><td>$121<\/td><td>-$7<\/td><td>6% higher<\/td><\/tr><tr><td>Longeuil<\/td><td>$121<\/td><td>-$7<\/td><td>6% higher<\/td><\/tr><tr><td>Quebec City<\/td><td>$108<\/td><td>-$20<\/td><td>19% higher<\/td><\/tr><tr><td>Trois-Rivi\u00e8res<\/td><td>$106<\/td><td>-$22<\/td><td>21% higher<\/td><\/tr><tr><td>Gatineau<\/td><td>$105<\/td><td>-$23<\/td><td>22% higher<\/td><\/tr><tr><td>Saint-Jean-sur-Richelieu<\/td><td>$101<\/td><td>-$27<\/td><td>27% higher<\/td><\/tr><tr><td>Sherbrooke<\/td><td>$91<\/td><td>-$37<\/td><td>41% higher<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The differences become more notable when we look at some other major cities in Quebec.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Montreal\u2019s median premium is about 19% higher than Quebec City<\/strong>, a difference of $20 per month or $240 per year.\u00a0<\/li>\n\n\n\n<li><strong>Compared to Gatineau, Montreal is about 22% more expensive<\/strong>, for a difference of $276 per year.\u00a0<\/li>\n\n\n\n<li>The largest gap among the cities above is between Montreal and Sherbrooke. At $91 per month, <strong>Sherbrooke\u2019s median is about $37 lower than Montreal\u2019s<\/strong>, meaning Montreal\u2019s median premium is about $41% higher.\u00a0<\/li>\n\n\n\n<li>Although Montreal is Quebec&#8217;s largest city, it\u2019s not the most expensive for car insurance. <strong>Dollard-des-Ormeaux ($130\/month) and Brossard ($129\/month) were slightly higher<\/strong>.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance costs don\u2019t just vary between cities in Quebec. YouSet\u2019s data shows substantial differences within Montreal itself, with median premiums varying from one borough to another.&nbsp;<\/p>\n\n\n\n<h2 id=\"h-montreal-car-insurance-cost-by-borough\" class=\"wp-block-heading\">Montreal car insurance cost by borough<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">YouSet\u2019s data shows that median quoted premiums also vary considerably across Montreal boroughs, with a $58 per month difference between the highest and lowest boroughs analyzed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Montr\u00e9al-Nord had the highest median quoted premium at $154 per month, while Saint-L\u00e9onard had the lowest at $96 per month. That&#8217;s a difference of about 60%, or $696 per year.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Montreal borough<\/strong><\/td><td><strong>Low<\/strong><\/td><td><strong>Median<\/strong><\/td><td><strong>High<\/strong><\/td><\/tr><tr><td>Montr\u00e9al-Nord<\/td><td>$36<\/td><td><strong>$154<\/strong><\/td><td>$389<\/td><\/tr><tr><td>Saint-Laurent<\/td><td>$35<\/td><td><strong>$139<\/strong><\/td><td>$328<\/td><\/tr><tr><td>LaSalle<\/td><td>$35<\/td><td><strong>$136<\/strong><\/td><td>$298<\/td><\/tr><tr><td>Verdun<\/td><td>$32<\/td><td><strong>$131<\/strong><\/td><td>$312<\/td><\/tr><tr><td>Anjou<\/td><td>$33<\/td><td><strong>$126<\/strong><\/td><td>$306<\/td><\/tr><tr><td>Lachine<\/td><td>$30<\/td><td><strong>$113<\/strong><\/td><td>$320<\/td><\/tr><tr><td>Pierrefonds<\/td><td>$30<\/td><td><strong>$110<\/strong><\/td><td>$304<\/td><\/tr><tr><td>Saint-L\u00e9onard<\/td><td>$28<\/td><td><strong>$96<\/strong><\/td><td>$303<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Year over year, Anjou saw the largest increase among the boroughs analyzed, rising 28.6% from $98 to $126 per month. Meanwhile, Saint-L\u00e9onard\u2019s median declined 13.5%, from $111 to $96.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This data shows that two drivers both living in Montreal can face different local risk factors depending on where they live. Insurers consider location-related factors such as claims and collision frequency, vehicle theft, and other area-specific risks when calculating an insurance quote.&nbsp;<\/p>\n\n\n\n<h2 id=\"h-why-is-car-insurance-more-expensive-in-montreal\" class=\"wp-block-heading\">Why is car insurance more expensive in Montreal?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There isn&#8217;t one single reason Montreal drivers pay slightly more for car insurance. Insurers consider various factors when calculating premiums, including several location-related risks:<\/p>\n\n\n\n<h3 id=\"h-more-collisions-and-insurance-claims\" class=\"wp-block-heading\">More collisions and insurance claims<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Even if you\u2019ve never been in an accident, your location can still influence your insurance premium. Insurers consider the risk level in different regions, including how often drivers make claims and how much they typically cost.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the <a href=\"https:\/\/gestionazure.gaa.qc.ca\/en\/statistics\/insurance-rate-criteria\/according-to-region\/\">GAA<\/a>, Montreal\u2019s central and eastern region had the highest auto insurance claims frequency in Quebec in 2025, at 12.36%, compared to 10.24% across all regions.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Montreal had <a href=\"https:\/\/www.quebec.ca\/nouvelles\/actualites\/details\/bilan-routier-2025-region-de-montreal-71178\">6,181 reported road accidents in 2025<\/a>, up 6.7% from the 2020-2024 average.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A higher frequency of claims can signal a greater overall risk to insurers, which can contribute to higher premiums across an area.&nbsp;<\/p>\n\n\n\n<h3 id=\"h-vehicle-theft-risk\" class=\"wp-block-heading\">Vehicle theft risk<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Even if your car has never been stolen, living in a city where theft claims happen more often can contribute to a higher premium.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In 2025, central and eastern Montreal had a <a href=\"https:\/\/gaa.qc.ca\/en\/statistics\/claims-experience\/auto-theft-by-region\/\">0.26% vehicle theft rate<\/a>, while western Montreal had a 0.18% frequency, among the highest rates in Quebec.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That said, vehicle theft in Montreal appears to be trending downward. Montreal police recorded <a href=\"https:\/\/montrealgazette.com\/news\/local-crime\/montreal-police-report-more-pursuits-despite-drop-in-car-thefts\/\">6,667 vehicles stolen in 2025<\/a>, down from 8,812 in 2024. If this trend continues, it could ease pressure on car insurance premiums over time.&nbsp;<\/p>\n\n\n\n<h3 id=\"h-your-postal-code-and-neighbourhood-nbsp\" class=\"wp-block-heading\">Your postal code and neighbourhood&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/youset.ca\/en\/blog\/best-neighborhoods-in-montreal\/\">Where you live within Montreal<\/a> can also influence your car insurance premium. Insurers consider geographical risk when setting rates because claim frequency and cost can vary between neighbourhoods.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In 2025, central and eastern Montreal <a href=\"https:\/\/gaa.qc.ca\/en\/statistics\/insurance-rate-criteria\/according-to-region\/\">recorded 66,410 claims<\/a>, the highest number of any region in Quebec, as well as the highest claims frequency at 12.36%. These geographic differences in claims risk can contribute to differences in insurance pricing, although your postal code is only one of many factors insurers consider when calculating your premium.<\/p>\n\n\n\n<h3 id=\"h-other-factors-that-affect-car-insurance-rates\" class=\"wp-block-heading\">Other factors that affect car insurance rates<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Differences in the drivers and vehicles insured in Montreal compared to other Quebec cities may also contribute to a higher median. When determining your premium, insurers consider other factors such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your vehicle\u2019s make, model, and value<\/li>\n\n\n\n<li>Your age and driving experience\u00a0<\/li>\n\n\n\n<li>Your driving and claims history\u00a0<\/li>\n\n\n\n<li>Annual mileage<\/li>\n\n\n\n<li>Coverage and deductible\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-does-moving-within-quebec-change-your-car-insurance-rate\" class=\"wp-block-heading\">Does moving within Quebec change your car insurance rate?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, <a href=\"https:\/\/youset.ca\/en\/blog\/change-of-address-checklist-for-moving\/\">moving to a new address<\/a> can affect your car insurance rate because your new location may have different rates of claims, collisions, vehicle theft, and other risks, which can affect how much you pay.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, the city medians above don\u2019t guarantee how much your premium will change. For example, moving from Montreal to Laval wouldn\u2019t automatically save you $7 per month \u2013 your rate will still depend on your individual profile.&nbsp;<\/p>\n\n\n\n<h2 id=\"h-how-can-montreal-drivers-lower-their-car-insurance-premium\" class=\"wp-block-heading\">How can Montreal drivers lower their car insurance premium?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While you can\u2019t control every factor that affects your premium, there are a few ways you may be able to lower it:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Compare quotes from multiple insurers:<\/strong> Rates can vary between insurers, so shopping around can help you find a lower price for the coverage you need. YouSet makes it easier to <a href=\"https:\/\/youset.ca\/en\/car-insurance\/location\/quebec\/montreal\/\">compare quotes in Montreal<\/a> by checking multiple insurers, helping you find a competitive rate without having to shop around yourself.<\/li>\n\n\n\n<li><strong>Consider raising your deductible:<\/strong> Choosing a <a href=\"https:\/\/youset.ca\/en\/blog\/high-or-low-insurance-deductible\/\">higher deductible<\/a> can lower your premium, but make sure you\u2019re able to pay the higher out-of-pocket cost if you need to make a claim.\u00a0<\/li>\n\n\n\n<li><strong>Bundle your insurance: <\/strong>Some insurers offer discounts if you <a href=\"https:\/\/youset.ca\/en\/blog\/does-bundling-insurance-save-money\/\">bundle your car and home or tenant insurance<\/a>.\u00a0<\/li>\n\n\n\n<li><strong>Reduce risks where you can: <\/strong>Maintain a clean driving record and take steps to <a href=\"https:\/\/youset.ca\/en\/blog\/car-theft-prevention-checklist\/\">protect your vehicle from theft<\/a> or damage. You may also get a discount from some insurers by using winter tires during the colder months.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>YouSet\u2019s 2026 Quebec car insurance pricing data found that Montreal drivers pay a median of $128 per month for car insurance, compared with $114 across Quebec. That makes Montreal\u2019s median premium about 12% higher.&nbsp; But why does living in Montreal affect how much you pay for car insurance? To understand&#8230;<\/p>\n","protected":false},"author":20,"featured_media":19083,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[459],"tags":[],"class_list":["post-19080","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Why Montreal Drivers Pay 12% More for Insurance Than Others in Quebec<\/title>\n<meta name=\"description\" content=\"See the average car insurance cost in Montreal, how it compares across Quebec, and why Montreal drivers may pay more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/youset.ca\/en\/blog\/why-montreal-drivers-pay-12-percent-more-for-car-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Montreal Drivers Pay 12% More for Insurance Than Others in Quebec. 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