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.

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.

💡 Don't hesitate to quickly compare quotes or get your car insurance quote online to get an idea of your price.

3: Where you live

Where you live is an important factor in calculating your car insurance premium. Here's how it can influence the cost:

• Urban area: Generally linked to higher premiums due to traffic density and increased risks of theft or vandalism.
• Suburbs: Often cheaper than downtown, but rates vary depending on proximity to major cities.
• Rural area: Might offer more affordable rates, but watch out for specific risks like animal collisions.
• Crime rate: Areas with high crime rates can lead to higher premiums.
• Weather conditions: Some regions in Canada are more exposed to severe weather, which can affect rates.

Every province has its own quirks. To find the best quote, feel free to contact insurers directly or use online tools for quick access to rates.

Your chosen car insurance coverage

The type and extent of coverage you choose directly impact your premium amount. Here are the main protections to consider:

• Civil liability: Mandatory in Quebec, this covers damage you cause to others and damage to your vehicle in a not-at-fault accident.
• Collision protection: Covers damage to your vehicle in an at-fault accident.
• All perils: Protects against theft, vandalism, and other non-collision damages.

The deductible amount you choose also influences your premium. A higher deductible generally reduces the cost of car insurance but increases your out-of-pocket expense if you make a claim.

The more comprehensive your coverage, the higher your premium will be. It's important to find the right balance between protection and cost to meet your specific needs.

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.

💡 Don't forget to mention these features to your insurer to get a good discount on your premium.

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.