skip to Main Content

Car Insurance in Quebec

Are you looking for the most affordable car insurance Quebec drivers can buy? Perhaps you want an insurer that offers remarkable customer service at a reasonable price? Or maybe you’re someone who believes that a company’s financial strength is the most important factor? 

Whatever your requirements are, we can help you find the perfect auto insurer by taking the guesswork out of the equation. 

We gathered quotes from 30 auto insurers and reviewed their performance on a range of parameters before ranking them. We have also demystified Quebec’s car insurance laws and shared time-tested tips that’ll help you save as much as 60% on car insurance.

Compare car insurance with confidence at

The Cheapest and the Best Car Insurance in Quebec 

  • The Co-operators – The Overall Winner
  • Allstate – The Runner-Up
  • TD Insurance: – The Cheapest Option


The Best Overall: The Co-operators

The Co-operators Insurance - log

The Co-operators recently got a perfect score in customer service satisfaction in the 2019 J.D. Power Canada Auto Insurance Study. Furthermore, we ranked it as the best insurer in Canada. But does that mean it’s the right choice for you? 

Well, it all depends on what you’re after. Are you looking for a car insurance provider in Montreal or another major metropolitan area in Quebec that offers competitive rates and has good footing financially, all while excelling in the customer service department?

Then the answer is a resounding yes

While not the cheapest option, The Co-operators – with an average price of $71 per month – is still a remarkable deal. On top of that, it managed an “A-” or “Excellent” rating from A. M. Best. This means you can count on the insurer to keep its end of the bargain when you file a claim. 

And the best part is that The Co-operators offers more than what you’ll find from most companies offering auto insurance in Quebec. It also provides a range of investment products to help you plan better for the future. 

With such a strong all-round performance, The Co-operators definitely deserves the top spot on your shortlist of Quebec insurers. The rating of The Co-operators auto insurance in Quebec

Choose The Co-operators for its quality customer service and affordable premiums. 

Look elsewhere if you want a car insurer with the lowest rates.

The Runner-Up: Allstate


Allstate isn’t far behind our overall winner, The Co-operators. Just like the latter, Allstate – at $94 per month – offers drivers a lot of bang for their buck. 

However, affordable car insurance premiums in Montreal and other major Quebec cities aren’t the only reason you should give Allstate a shot. It received the second-highest rating in J.D. Power’s survey for the Quebec region. This shows that the insurer is willing to go the extra mile for its customers. 

Additionally, Allstate is in the pink of health financially, earning the second-highest rating of “A+” from A. M. Best. Such a strong performance should allay any concerns that you might have about its ability to pay claims. 

While Allstate’s website isn’t likely to win any awards for its looks, getting a free car insurance quote in Montreal and other cities is a breeze. We’re also pleased to see that the insurer offers a number of discounts to drivers. While not all of them are available in Quebec, there’s a good chance you’ll be able to pile on a few to lower your rates substantially. 

For all these reasons, Allstate is a viable alternative to The Co-operators, one that every Quebec driver should consider.The rating of Allstate car insurance in Quebec

Choose Allstate for its affordable prices, first-rate customer service, and excellent financial health. 

Look elsewhere if you want the cheapest insurance.

The Cheapest Option: TD Insurance

The Cheapest Option_ TD Insurance

For many drivers, price is the biggest determinant when choosing car insurance. Is that true for you as well? 

If yes, you might want to keep TD Insurance at the top of your list since it provides the cheapest car insurance in Montreal and the rest of Quebec. At just $55 per month, TD Insurance is almost 30% less expensive than the runner-up, Allstate. 

On top of that, the insurer offers a range of discounts, from multiple-vehicle and multi-policy discounts to safe driving and student discounts. These rebates can chip precious dollars off your monthly bill, so make sure you use every available discount.  

Apart from providing the cheapest car insurance in Quebec, TD Insurance also boasts an attractive, user-friendly site. On top of that, filing a claim with this insurer is a straightforward process. You can do so by calling a special hotline number, filling out a form on its website, or using its mobile app. Besides allowing you to file and track the progress of your claim, the mobile app also lets you download your proof of insurance and modify your coverage. While useful, the app could still only manage a score of 2.4 on Google Play, so don’t expect it to dazzle you. 

However, the one department in which TD Insurance – the cheapest car insurance company in Montreal and Quebec – performs with mediocrity is customer service. It could manage only three stars in the 2019 J.D. Power study for the Quebec region.

Nonetheless, with a price point that shows seriously good value for the money, TD Insurance is one name every budget buyer should consider.The Rating of TD Auto Insurance in Quebec

Choose TD Insurance for its dirt-cheap premiums. 

Look elsewhere if you want top-shelf customer service.

Quebec Car Insurance – Cheapest by City

The average car insurance rates vary quite a bit from one Quebec city to another. For instance, the average premium in Montreal is roughly 36% more than Quebec City’s. 

To help you find the best deal in six major Quebec cities – Montreal, Quebec City, Gatineau, Laval, Longueuil, and Sherbrooke – we gathered quotes from several insurers, big and small. Our quotes included full coverage limits for a 40-year-old single male driving a 2018 Honda Civic with a clean driving record.

Save time & money with auto insurance quotes at

Auto Insurance in Montreal

Set on an island in the Saint Lawrence River, Montreal is Quebec’s largest and most populous city. The city of Montreal takes its name from Mount Royal, a small mountain lying at its centre. The city is known for its historic buildings, museums, picturesque old streets, shopping centres, cafe culture, live music, and aquatic adventures. 

When it comes to auto insurance, Montreal is the most expensive city in Quebec, but that doesn’t mean you must break the bank to buy coverage. More than one Montreal car insurance company offers customers good value for their money, and you’d do well to consider one of them. 

The Best for 21-Year-Olds

When it comes to offering low-cost insurance to young drivers, TD insurance is miles ahead of the competition. At $118 a month, its premiums on average are 38% cheaper than its closest competitor, Allstate. While considerably more expensive than TD Insurance, you might also want to add The Co-operators to your list, since its record in customer service is unparalleled.

Comparison of auto insurance premiums in Montreal for younger drivers

The Best for 40-Year-Olds

Even though Montreal is the most expensive city for auto insurance in Quebec, its average premium is considerably lower than other major cities in other provinces. For instance, car insurance in Ottawa costs $171 a month, whereas residents of Montreal pay only $122 on average. 

Comparison of car insurance prices in Montreal for middle-aged drivers

What’s more, there are many auto insurers with premiums cheaper than the city’s average. For instance, TD Insurance’s rates are roughly 38% lower. Other cost-effective options for this age group include Aviva and The Co-operators. You might want to add Intact to the mix as well, especially if you’re interested in earning some side cash through Turo, a peer-to-peer online car rental system.

The Best for 70-Year-Olds

If you’re a senior citizen and looking for affordable car insurance in Montreal, you might not want to look past TD Insurance. At $44 a month, its rates are two-and-a-half times lower than the city’s average!

Comparison of car insurance prices in Montreal for senior drivers

However, on the downside, TD insurance has only three stars in customer service. If that’s not good enough, and you don’t mind stretching your budget, The Co-operators might be perfect for you. 

On the other hand, if financial strength is important for you, we recommend Allstate, one of the best car insurance companies in Montreal. With the second-highest score of “A+” by A. M. Best, its financial strength is almost as good as it gets.

Save $750 or more.

Auto Insurance in Quebec City

Quebec City, the province’s capital, is a beautiful, seductive place, thanks to its clifftop position above the Saint Lawrence River and quaint backstreets.  Founded in 1608, it’s the second most populous city in the province and known for its distinctive European feel and classical architecture. 

The average car insurance Quebec City offers is 37% lower than Montreal’s and almost on par with other major cities in the province. Like elsewhere, some insurers offer better value for money in Quebec City. Let’s find out who they are.

Best for 21-Year-Olds

Young drivers looking for affordable car insurance should start with our overall top three in Quebec: TD Insurance, The Co-operators, and Allstate. Out of these three, TD Insurance’s rates are the lowest, while The Co-operators shines in customer service and Allstate in financial stability.

Comparison of car insurance prices in Quebec for younger drivers

Best for 40-Year-Olds

TD Insurance offers the most affordable car insurance in Quebec City for middle-aged drivers. Another solid option for budget buyers is The Co-operators, whose performance in the customer service department is unmatchable. Other names worth considering are Allstate, Aviva, and Intact.

Comparison of car insurance prices in the Quebec City for middle-aged drivers

Best for 70-Year-Olds

At just $32 a month, Aviva’s offer is nothing short of a steal. The second-best offer comes from TD Insurance, while The Co-operators, Intact, and Allstate are other names worth considering.

Comparison of auto insurance prices in the Quebec City for seniro drivers

Auto Insurance in Gatineau

Situated in western Quebec on the northern bank of the Ottawa River, Gatineau is the fourth largest city in the province. The city has grown by leaps and bounds in the last 20 years, in part because of its proximity to the capital.

Comparison of Monthly Car Insurance Premiums in Gatineau

We obtained an auto insurance quote from multiple insurers in Gatineau to find out the cheapest option. At roughly $46 a month, TD insurance enjoys a definite edge over the competition. Other viable options for price-conscious buyers are Aviva and The Co-operators.

Auto Insurance in Laval

The island-city of Laval is set on Jesus Island, across the Rivière des Prairies from Montreal. It’s the second-largest city in Quebec and has experienced impressive growth in the last few decades. While agriculture and limestone quarrying originally formed the city’s traditional economic base, today Laval boasts a strong service and manufacturing sector.

Comparison of Car Insurance Prices in Laval

To find the most affordable auto insurer in Laval, we obtained a car insurance quote from all the key players. Based on our research, we recommend Aviva and TD Insurance. Other cost-effective options include Intact and Desjardins. You might want to also add Allstate to your list, given its solid track record in both the  customer service and financial strength departments.

Auto Insurance in Longueuil

Sitting on the southern shore of the Saint Lawrence River, Longueuil is known as a commuter town, since most of its residents work in Montreal. The city, which is the seat of the Monteregie administrative region, is a combination of residential, industrial, and commercial buildings.

Comparison of Monthly Premiums in Longueuil

Several Quebec car insurance companies offer low-cost solutions in Longueuil, but none can match the price of Aviva with a bargain average rate of $35 a month. Other affordable options include TD Insurance ($57)and The Co-operators ($61). However, the latter has an outstanding record in customer service, so you might want to spend a few extra bucks for the all-round better performer.

Auto Insurance in Sherbrooke

Located at the confluence of the Magog and Saint-Francois River, Sherbrooke is famous for its rich culture, urban nature and lively atmosphere, and gastronomical delights. It is the sixth largest city in Quebec and has developed into a commercial, industrial, and administrative centre.

Comparison of Monthly Auto Insurance Premiums in Sherbrooke

We used our Quebec car insurance calculator to zero in on the cheapest insurer in Sherbrooke. Our results show that when it comes to offering value for money, TD insurance (at $49 a month) is heads above the rest. Aviva and The Co-operators are other budget-friendly options. On the other hand, if you want to earn some extra dollars on the side by renting your car through Turo, an online peer-to-peer rental system, you might want to consider Intact.

Car Insurance Laws and Regulations in Quebec

Institutions That Regulate Quebec Auto insurance Rates

In Quebec, a government body called the Société de l’Assurance Automobile du Québec (SAAQ), also known as the Quebec Automobile Insurance Corporation, regulates the rates for the bodily injury portion of your car insurance coverage. Individual auto insurers, on the other hand, regulate the rates for the property damage portion of the coverage. 

The Groupement des Assureurs Automobiles (GAA) represents all auto insurance companies doing business in Quebec. The GAA makes sure that drivers in Quebec pay reasonable rates for auto insurance.

Minimum Car Insurance Requirements in Quebec

All residents of Quebec are insured under the public insurance plan provided by the Société de l’Assurance Automobile du Québec (SAAQ). This plan covers injuries sustained in an accident involving a road vehicle. 

However, the SAAQ doesn’t provide compensation for damage to someone else’s car. You can purchase this and other additional coverages from a private Quebec insurance provider. 

The Quebec Automobile Insurance Act dictates that every car owner in Quebec must have at least $50,000 in civil liability coverage, which covers the following: 

  • Property damage resulting from an accident caused by you.
  • Injuries caused by an accident for which you are at fault and which are not covered by the SAAQ.
  • Damage to your car in a no-fault road accident.

The civil liability plan, however, doesn’t cover damage to your car in an accident for which you are at fault. If you want this coverage or other types of protection, or car theft insurance coverage, consider buying more protection plans than the bare minimum.

Quebec Car Insurance System

Quebec has a pure no-fault system. That is to say, drivers deal with their own auto insurers, regardless of who caused the accident, and can’t sue the other party for compensation.  

The SAAQ provides bodily injury insurance coverage to all drivers in Quebec. That means in case of a vehicle collision, it compensates both drivers for bodily injuries without regard to their responsibility.

How Quebec Car Insurance Prices Compare to Other Provinces

Quebec drivers have it pretty good, since insurance rates in Quebec are among the lowest in all provinces. According to a recent study, Quebec’s average annual premium is just $642, which is half the rate in British Columbia or Ontario. 

Two factors, more than anything else, contribute to the province’s low rates. 

  • Auto insurance regulations in Quebec are less stringent than elsewhere.
  • The public insurer provides only minimum bodily injury coverage. This in turn helps keep the rates down, since research shows that private auto insurance is cheaper than public.

How to Get the Cheapest Car Insurance in Quebec

Consider Your Profile

Your profile – your age, driving record, and location, among other things – impact your auto insurance cost. For instance, most insurers (if not all) offer a discount to drivers who’ve maintained a pristine driving record for a decent amount of time, usually five or six years. Similarly, auto insurers are known to offer discounts to students and lower rates to people living in less congested areas. Before you buy insurance, ensure that all the available discounts are factored into the price.

Determine Which Company Fits Your Needs

No single insurer can be the best option for all drivers since different consumers have different needs. For instance, if you’re looking for cheap car insurance from a Montreal provider, TD Insurance – with an average premium of $55 – might just be the one for you. On the other hand, The Co-operators – while 23% costlier than TD – comes across as a better option if you value quality customer service above everything else. 

So consider a range of insurers when you’re buying car insurance, including smaller, regional players you might not have heard as much about.

Don’t Settle Before Comparing Quotes

You’re missing a trick by not comparing quotes from different Quebec insurance companies. Just because an insurer gave the best value for your buck before doesn’t mean another provider can’t better its offer in the future. Car insurance companies often change their pricing strategy based on their performance. 

For example, although Desjaridin’s premiums are a little on the higher side, if its sales were to take a beating, it might pull down its prices to attract more customers.

Frequently Asked Questions

Is auto insurance mandatory in Quebec?

Very much so. You can’t drive legally in Quebec if you don’t have vehicle insurance.

How does car insurance work in Quebec?

The Quebec Automobile Insurance Act makes it compulsory for all Quebec drivers to have a minimum of $50,000 in civil liability coverage. This insurance covers damage to the property of others and injuries that aren’t covered by public insurance, as well as damage to your car in a no-fault road accident. 

In addition to this, each driver’s bodily injuries are covered by the public insurance plan, provided by the Société de l’Assurance Automobile du Québec.

How much is car insurance in Montreal?

On average, it costs $122 a month to insure a car in Montreal. However, there are several providers with lower rates, with TD Insurance offering the best deal. At $76 a month, its premiums are almost 38% cheaper than the city’s average. The next best offer comes from The Co-operators, which incidentally also tops the charts in customer service. Other affordable options include Aviva and Allstate.

How much is car insurance in Quebec?

Quebec has the lowest rates among all provinces in Canada. Based on our research, the province’s average monthly premium is $87, with TD Insurance offering the best price at $55. Aviva and The Co-Operates are other budget-friendly options in Quebec, with an average rate of $67 and $72, respectively. Our quote included a full coverage policy for a 40-year-old male with a clean driving record driving a 2018 Honda Civic.

What are the penalties for driving without insurance in Quebec?

If you’re caught driving without insurance in Quebec, you’ll be staring at a minimum fine of $325 – almost four times the average price of car insurance Quebec drivers are usually offered!

Tony Arevalo

Hello, My name is Tony Arevalo. I'm the co-founder of, a complete car insurance site. I've had the pleasure of working with hundreds of clients during my years in the property and car insurance industry, and I’ve developed in-depth knowledge of what clients want and what's best for them. I also have professional experience in the finance sector, specifically in risk analysis and portfolio management. Outside of work, I'm the father to two incredible children, Vincent and Leo`n!

Back To Top