What's the average price of car insurance in Quebec? (2026)
The average price of car insurance in Quebec for 2025 is about $96 per month¹.
Of course, this amount can vary based on your personal situation and the type of vehicle you drive. And that’s what we’ll explore in this article:
- The factors that determine your car insurance price
- How where you live affects your premium
- The impact of your vehicle choice
- Tips to save on your car insurance
- And more!
Ready to learn more? Keep reading to find out how to get the best car insurance at the best price!
What factors influence the cost of car insurance in Quebec?
Age and gender
When it comes to car insurance, age and gender are important factors that influence your insurance premium. Insurers consider these things to assess the risks associated with each driver.
Generally, young and new drivers pay higher premiums. Why? Because they're seen as having less experience on the road, making them more likely to have accidents. Statistics show that drivers under 25 tend to be involved in more accidents than older drivers.
Insurers also consider the driver's gender in their calculations. While the difference isn't as big as it used to be, some companies still think men, especially young men, pose a slightly higher risk than women.
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Driving experience and record
Your driving experience and record play a crucial role in calculating your car insurance premium. Insurers carefully review these factors to assess your risk level.
A spotless driving record, with no accidents or infractions, will help you get a better premium. On the flip side, if you've been involved in collisions or made several claims, your premium will likely increase.
The number of years you've held a valid driver's license is also considered. The more years you've driven without incident, the more you're seen as a reliable driver.
Insurers also look at the number and severity of road accidents you've been involved in. Each claim can impact your premium, especially if you were found at fault for the accident.
Vehicle make, model, and value
The type of vehicle you drive greatly influences the cost of your car insurance. Here are the main things to consider:
- Purchase price: A more expensive car generally costs more to insure.
- Repair costs: Some models are more expensive to fix, which increases your premium.
- Popularity with thieves: Vehicles often targeted by thieves can lead to higher premiums.
- Engine power: Powerful cars are often linked to a higher accident risk.
- Safety rating: A vehicle with good safety features can benefit from lower premiums
Vehicle usage
How you use your car will directly impact your car insurance premium. Here are the main types of usage:
- Daily commutes: The more time you spend on the road, the higher the risk of an accident.
- Business use: Using your vehicle for work might require extra coverage.
- Personal use: Generally less risky than business use.
- Annual mileage: High mileage can lead to a premium increase.
How to save on your car insurance?
Bundle your car and home insurance
Bundling your car and home insurance policies can really lower your overall premium. Insurers love to reward loyal customers who choose several of their products.
Want to make the most of this opportunity? Feel free to get your quote with Sonnet for a competitive offer.
Opt for usage-based car insurance and driving
Some car insurance providers now offer policies based on your actual vehicle usage. Take Sonnet Shift, for example – it's an app that analyzes your driving and rewards you for good habits behind the wheel. You could save up to 35%, just by driving carefully. Easy, right?
Have an anti-theft system
A good anti-theft system can significantly reduce your car insurance premium. Insurers appreciate vehicles equipped with immobilizers or GPS tracking devices, as these lower the risk of theft.
Installing these security options is an initial investment, but it can lead to long-term savings. Fewer theft-related claims help keep car insurance costs low for everyone.
Avoiding car insurance claims
Did you know that the number of claims you make directly influences the cost of your premiums? For instance, if you claim for minor damages that cost little to repair, you might end up paying more in the long run.
In some cases, it might be more beneficial to pay for small repairs yourself rather than making a claim. Take the time to evaluate the situation before notifying your insurer.
Get your car insurance price with Sonnet Insurance
Looking for affordable car insurance in Quebec? At Sonnet Insurance, we offer competitive and personalized rates to meet your specific needs.
Our fully online process lets you quickly get a quote tailored to your situation. Find out now how much you could save on your car insurance
Frequently asked questions about car insurance prices in Quebec
How can I tell if my car insurance premium is too high?
We suggest comparing your current premium with the average price in Quebec ($96 per month), as mentioned at the beginning of this article. Then, evaluate your driving history, your chosen coverage, and where you live — all of which can greatly influence the cost.
Why do premiums increase every year?
Soaring inflation, rising repair costs, and changing claims trends explain this upward movement. It's also good to know that variations depend on market fluctuations and the demand for car insurance.
How much can I save by bundling my car
Insurance with my home insurance?
At Sonnet, we offer great discounts for bundling your car and home insurance policies. Compare offers today by getting your quote!
¹Based on Sonnet data from July 1, 2024, to June 30, 2025. The information presented in this article is for informational purposes only and does not constitute financial or legal advice. Car insurance premiums vary depending on several factors (age, driving record, vehicle type, location of residence, etc.). The amounts indicated represent average estimates and may differ from your personal situation.
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