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Things to Know Before Getting Quebec City Car Insurance
Here are some things to know before getting car insurance in Quebec City:
- Quebec City car insurance is mandatory: Just like in the rest of Quebec, it is mandatory to have car insurance if you plan on driving in Quebec City. The minimum required coverage includes liability insurance, which covers damages you may cause to others while driving.
- The average car insurance rate in Quebec City is lower than the rest of the province: According to the Insurance Bureau of Canada, the average car insurance rate in Quebec City is lower than the average rate in the rest of Quebec. However, car insurance rates can still vary based on several factors, such as your driving record and the type of car you own.
- Winter tires are mandatory: In Quebec City, it is mandatory to have winter tires on your vehicle from December 1st to March 15th. Failure to do so can result in a fine. Some car insurance providers may offer discounts for drivers who use winter tires.
- Quebec has a public auto insurance system: Quebec operates under a public auto insurance system known as the Société de l’assurance automobile du Québec (SAAQ). This means that all drivers in Quebec are required to have basic coverage through the SAAQ, and can choose to add additional coverage through private insurers.
- There are several car insurance providers in Quebec City: There are several car insurance providers in Quebec City, both private insurers and those affiliated with the SAAQ. It’s important to shop around and compare rates and coverage options to find the best insurance provider for your needs.
- Your driving record can impact your insurance rates: Your driving record, including any accidents or traffic violations, can impact your car insurance rates. Safe driving can help you qualify for lower rates, while a poor driving record can lead to higher rates.
What is the Average Car Insurance Cost in Quebec City?
The average annual car insurance premium in Quebec for 2023 is $791.
Additionally, Quebec operates under a public auto insurance system through the Société de l’assurance automobile du Québec (SAAQ), which provides basic coverage for all drivers in Quebec. Drivers can also choose to add additional coverage through private insurers, which can impact their overall car insurance rates.
The average car insurance costs range for different driver profiles in Quebec City would be as follows (note that these are estimated monthly costs and may vary depending on the insurance company and other factors):
| Driver Profile | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| G1 Driver | $92 – $260 | $115 – $327 | $131 – $372 |
| G2 Driver | $84 – $237 | $105 – $298 | $120 – $341 |
| G Driver | $74 – $209 | $93 – $264 | $106 – $301 |
| Teenage Driver | $311 – $878 | $389 – $1,102 | $443 – $1,255 |
| Young Driver | $129 – $365 | $162 – $459 | $185 – $524 |
| High-risk Driver | $183 – $517 | $229 – $649 | $261 – $740 |
| Occasional Driver | $65 – $183 | $81 – $229 | $92 – $262 |
| Pleasure | $70 – $198 | $88 – $250 | $100 – $284 |
| Commuting | $103 – $292 | $129 – $365 | $147 – $416 |
| Good Driver | $60 – $170 | $75 – $213 | $86 – $245 |
| Bad Driver | $303 – $855 | $379 – $1,074 | $432 – $1,224 |
| New Driver | $202 – $572 | $253 – $717 | $288 – $817 |
| Secondary Driver | $67 – $191 | $84 – $239 | $96 – $273 |
| 17 Years Old | $324 – $915 | $406 – $1,149 | $462 – $1,309 |
| Seniors | $65 – $183 | $81 – $229 | $92 – $262 |
| Over 55 Years Old | $62 – $174 | $78 – $221 | $89 – $252 |
| Students | $113 – $320 | $142 – $404 | $162 – $460 |
| International Driver | $183 – $517 | $229 – $649 | $261 – $740 |
| Newcomers | $219 – $619 | $274 – $776 | $312 – $883 |
| Men Driver | $87 – $246 | $109 – $310 | $124 – $352 |
| Women Driver | $83 – $236 | $104 – $294 | $118 – $336 |
| Married Couples | $63 – $179 | $79 – $225 | $90 – $256 |
| Usage-Based | $74 – $210 | $93 – $264 | $106 – $302 |
| Uber/Lyft | $156 – $440 | $195 – $552 | $222 – $629 |
| Personal use | $80 – $226 | $100 – $283 | $114 – $323 |
| Business use | $104 – $294 | $130 – $368 | $148 – $419 |
| Commercial use | $174 – $492 | $218 – $618 | $248 – $702 |
The estimated monthly car insurance costs range for different types of cars in Quebec City:
| Car Type | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| Sedan | $70 – $198 | $88 – $250 | $100 – $284 |
| Convertible | $100 – $283 | $125 – $354 | $142 – $403 |
| Hatchback | $59 – $168 | $74 – $210 | $84 – $239 |
| Wagon | $72 – $204 | $90 – $256 | $102 – $290 |
| Coupe | $89 – $253 | $111 – $315 | $126 – $358 |
| SUV | $82 – $232 | $103 – $292 | $117 – $332 |
| Truck | $80 – $225 | $100 – $283 | $114 – $323 |
| Minivans | $71 – $202 | $89 – $253 | $101 – $286 |
| Van | $88 – $249 | $110 – $312 | $125 – $354 |
| Electric Car | $112 – $317 | $140 – $396 | $159 – $452 |
| Hybrid Car | $79 – $223 | $99 – $281 | $113 – $321 |
| Multi Car | $58 – $165 | $73 – $208 | $83 – $236 |
| Exotic Car | $417 – $1,178 | $521 – $1,472 | $593 – $1,679 |
| Luxury Car | $207 – $585 | $259 – $733 | $295 – $834 |
| Classic Car | $57 – $162 | $72 – $204 | $82 – $233 |
| Vintage car | $68 – $193 | $85 – $240 | $96 – $273 |
| Sports Car | $123 – $347 | $154 – $436 | $175 – $496 |
| Leased cars | $86 – $244 | $107 – $304 | $122 – $345 |
| 2 Door | $91 – $256 | $114 – $322 | $130 – $368 |
The estimated monthly car insurance costs range for different driving histories in Quebec City for a driver profile of age 35, married, would be as follows:
| Driving History | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| 1 one at-fault accident | $91 – $257 | $114 – $323 | $130 – $368 |
| 2 one at-fault accident | $122 – $344 | $152 – $431 | $173 – $491 |
| 1 non-fault accident | $64 – $181 | $80 – $226 | $91 – $258 |
| DUI conviction | $185 – $523 | $231 – $654 | $263 – $745 |
| 1 Speeding Ticket | $59 – $166 | $74 – $209 | $84 – $238 |
| 2 Speeding Tickets | $105 – $298 | $131 – $371 | $149 – $422 |
Who Has the Cheapest Car Insurance Quotes in Quebec City
| Rank | Auto Insurance Company | Annual Rate* |
| 1 | L’Union Canadienne | $562 |
| 2 | Motors Insurance Quebec | $595 |
| 3 | Promutuel | $622 |
| 4 | Optimum | $821 |
| 5 | TD | $834 |
| 6 | Coseco | $918 |
| 7 | Aviva | $1,106 |
| 8 | SSQ auto | $1,174 |
| 9 | Missisquoi | $1,311 |
| 10 | PAFCO | $1,592 |
How Does Quebec City’s Average Car Insurance Cost Compare to Other Cities?
Here are the average annual car insurance premiums for 2023 in selected cities in Quebec, including Quebec City:
- Quebec City: $791
- Montreal: $840
- Sherbrooke: $686
- Trois-Rivières: $671
- Gatineau: $683
Which Cars Have the Cheapest Car Insurance in Quebec City?
Here are some examples of cars that may have lower car insurance rates in Quebec City, along with average rates:
- Honda Civic: The Honda Civic is a popular car in Quebec City and is known for its safety and reliability. The average annual car insurance premium for a Honda Civic is approximately $596.
- Mazda3: The Mazda3 is a compact car that is often praised for its handling and fuel efficiency. The average annual car insurance premium for a Mazda3 is approximately $584.
- Toyota Corolla: The Toyota Corolla is another popular car in Quebec City that is known for its reliability and safety features. The average annual car insurance premium for a Toyota Corolla is approximately $581.
- Hyundai Elantra: The Hyundai Elantra is a compact car that is often praised for its affordability and fuel efficiency. The average annual car insurance premium for a Hyundai Elantra is approximately $576.
- Kia Forte: The Kia Forte is a compact car that is often praised for its safety features and user-friendly technology. The average annual car insurance premium for a Kia Forte is approximately $572.
How to Get the Cheapest Car Insurance in Quebec City?
Here are some tips for getting the cheapest car insurance in Quebec City:
- Shop around: The cost of car insurance can vary significantly from one provider to another, so it’s important to get quotes from multiple providers to find the best rate. You can also consider working with an insurance broker who can compare rates from multiple providers on your behalf.
- Choose a higher deductible: A deductible is the amount you pay out of pocket before your insurance coverage kicks in. Choosing a higher deductible can lower your insurance premiums, but it’s important to make sure you can afford the deductible in the event of an accident.
- Maintain a good driving record: Your driving record is one of the biggest factors that insurance providers consider when determining your car insurance premiums. Maintaining a good driving record by avoiding accidents and traffic violations can help lower your premiums.
- Bundle your insurance policies: Some insurance providers offer discounts if you bundle your car insurance with other types of insurance, such as home or life insurance. Be sure to ask about these discounts when getting quotes.
- Drive a car with safety features: Cars with safety features such as anti-lock brakes, airbags, and backup cameras can be less expensive to insure because they are less likely to be involved in accidents.
- Consider a usage-based insurance program: Some insurance providers offer usage-based insurance programs, which use telematics devices to track your driving habits and adjust your premiums based on your actual driving behavior.
Quebec City Car Insurance Facts
Here are some Quebec City car insurance facts to keep in mind:
- Quebec City drivers pay lower insurance premiums than drivers in other provinces: According to the Insurance Bureau of Canada, Quebec has some of the lowest car insurance rates in Canada, and drivers in Quebec City typically pay lower premiums than drivers in other provinces.
- Quebec operates under a public auto insurance system: Quebec’s public auto insurance system is known as the Société de l’assurance automobile du Québec (SAAQ). This system provides basic coverage to all drivers in Quebec, and drivers can choose to add additional coverage through private insurance providers.
- Winter tires are mandatory in Quebec: It is mandatory to have winter tires on your vehicle from December 1st to March 15th in Quebec, including in Quebec City. Failure to comply can result in a fine.
- Liability insurance is mandatory: All drivers in Quebec, including those in Quebec City, are required to have liability insurance to cover damages to others in the event of an accident. The minimum liability coverage required is $50,000.
- Quebec uses a no-fault insurance system: Quebec’s no-fault insurance system means that each driver’s insurance provider pays for their own damages and injuries, regardless of who was at fault in the accident.
- Credit score can impact insurance rates: In Quebec, credit score can be used as a factor in determining car insurance rates. It’s important to maintain a good credit score to help ensure lower insurance premiums.
List of Best Car Insurance Companies in Quebec City
Here are some of the best car insurance companies in Quebec City, along with a brief description and some reviews:
- Intact Insurance: Intact is a leading car insurance provider in Canada, with a wide range of coverage options and competitive rates. Customers have praised Intact for its responsive customer service and easy claims process. Intact has a 4.7-star rating on Google Reviews.
- Desjardins Insurance: Desjardins is a Quebec-based insurance company that offers a range of car insurance options, including coverage for electric and hybrid vehicles. Customers have praised Desjardins for its competitive rates and helpful customer service. Desjardins has a 4.5-star rating on Google Reviews.
- Co-Operators Insurance: Co-Operators is a Canadian insurance company that offers a range of coverage options, including car insurance. Customers have praised Co-Operators for its responsive and helpful customer service, as well as its competitive rates. Co-Operators has a 4.4-star rating on Google Reviews.
- TD Insurance: TD Insurance is a Canadian insurance company that offers a range of coverage options, including car insurance. Customers have praised TD Insurance for its competitive rates and helpful customer service. TD Insurance has a 4.1-star rating on Google Reviews.
- Allstate Insurance: Allstate is a North American insurance company that offers a range of car insurance options, including coverage for classic and luxury vehicles. Customers have praised Allstate for its competitive rates and helpful customer service. Allstate has a 4.0-star rating on Google Reviews.
List of Best Car Insurance Brokers in Quebec City
Here are some of the best independent car insurance brokers in Quebec City, along with a brief description and some reviews:
- Assurance Letendre & Fils Inc.: Assurance Letendre & Fils is a family-owned independent insurance brokerage that has been serving Quebec City since 1953. Customers have praised Assurance Letendre for its personalized service and competitive rates. Assurance Letendre & Fils does not have a Google Reviews rating.
- Gaudreau Assurances Inc.: Gaudreau Assurances is an independent insurance brokerage that has been serving Quebec City for over 50 years. Customers have praised Gaudreau Assurances for its knowledgeable staff and competitive rates. Gaudreau Assurances has a 4.3-star rating on Google Reviews.
- Assurance Multi-Risques: Assurance Multi-Risques is an independent insurance brokerage that offers a range of coverage options, including car insurance. Customers have praised Assurance Multi-Risques for its responsive and helpful customer service. Assurance Multi-Risques does not have a Google Reviews rating.
- AssurExperts Fillion & Associés: AssurExperts Fillion & Associés is an independent insurance brokerage that has been serving Quebec City for over 40 years. Customers have praised AssurExperts Fillion & Associés for its friendly and helpful staff, as well as its competitive rates. AssurExperts Fillion & Associés has a 4.8-star rating on Google Reviews.
- AGD Assurance Générale de Québec: AGD Assurance is an independent insurance brokerage that has been serving Quebec City since 1976. Customers have praised AGD Assurance for its knowledgeable staff and competitive rates. AGD Assurance has a 4.2-star rating on Google Reviews.
Tips for Drivers in Quebec City
Here are some tips for drivers in Quebec City:
- Follow winter driving rules: Winter weather can be a challenge for drivers in Quebec City, so it’s important to follow winter driving rules to stay safe on the road. This includes using winter tires, reducing speed, and keeping a safe distance from other vehicles.
- Be aware of construction: Quebec City experiences a lot of road construction during the summer months, which can cause delays and detours. Be aware of construction zones and follow posted signs and speed limits.
- Use public transit: Quebec City has a well-developed public transit system, which can be a great way to get around the city without the hassle of driving and parking. Consider using public transit for your daily commute or when travelling around the city.
- Watch for pedestrians and cyclists: Quebec City is a pedestrian and bike-friendly city, so it’s important to watch for pedestrians and cyclists when driving. Be sure to yield to pedestrians in crosswalks and give cyclists plenty of space when passing.
- Obey traffic laws: Like any city, Quebec City has traffic laws that must be obeyed. This includes following speed limits, stopping at red lights and stop signs, and wearing a seatbelt. Failing to obey traffic laws can result in fines and other penalties.
- Be prepared for road conditions: In addition to winter weather, Quebec City can experience other road conditions such as rain and fog. Be prepared for these conditions by ensuring your windshield wipers are in good condition and your headlights are functioning properly.
Total Reportable Collisions in Quebec City
According to data from the SAAQ (Société de l’assurance automobile du Québec), there were a total of 35,287 reportable collisions in Quebec City from 2013 to 2021.
Here’s a breakdown of the total reportable collisions by year:
- 2013: 4,300
- 2014: 4,272
- 2015: 4,479
- 2016: 4,266
- 2017: 4,160
- 2018: 4,161
- 2019: 4,073
- 2020: 4,101
- 2021 (as of September 2021): 2,475
About the Author: Valerie D. Hahn
Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.
