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Based on 336 reviews
August 31
very quick and reliable rates
very quick and reliable rates
Tracie N
August 15
Don’t hesitate to move your policy
My rates went up again with my current insurance even though I have barely drive...
August 12
I can’t believe how quickly I am…
I can’t believe how quickly I am getting email responses. Very happy with this...
July 25
Awesome 👍😎
Awesome 👍😎
Joshua Leong
July 15
Auto Insurance
I was looking for an insurance rate that would help me save money, I did a Googl...
Louise Beaton
July 7
Great and honest service !!!
Meaghan Ford was amazing with her service and very patient in explaining all the...
Zee Sajid
July 1
excellent service
excellent service
An Luu
June 22
Highly recommended
Excellent customer service. Was very patient and answer my customers toughly. Fo...
Karan Parmar
June 18
Chelsea was very helpful
Chelsea was very helpful, answered all my questions and set me up hassle free. S...
June 14
its the easiest thing in the world to…
its the easiest thing in the world to find insuance that isn't going to burn the...
ann watson
June 11
Very nice broker
Very nice broker. Good service. Found a great deal.
Meredith Berggren
June 9
Simple, fast, affordable!
Took a little longer than expected for the billing to go through, but otherwise...
Jonathan C
June 5
Awesome work
wow what an awesome rep. He did up everything, extremely fast and was very under...
Delroy Paul
June 4
It was a pleasure dealing with your…
It was a pleasure dealing with your broker, it made switching insurance companie...
Michael Sheridan
May 27
Excellent customer service
This is the first time I got insurances from Direct Rate.I have nothing but good...
Tejas Patel
May 26
Quick service
Quick service, good price
May 22
Imad Harrouk was great !
Imad Harrouk was great ! intelligent well spoken professional polite a perso...
james bannon
May 20
Excellent !!! Very competitive rates !!
Excellent customer services also they have very competitive rates !!
Eliza Gallant
May 18
I was treated fairly and walked through…
I was treated fairly and walked through my purchase.I enjoyed the agent was exce...
paul neville
May 14
Highly recommend
Great experience, simple to use and they gave me a lot of options at prices that...
Chandra Wilson
May 11
Easy, clear and fast. Very effective.
Rene Izquierdo de la Cruz
May 6
Sonia was very helpful and nice…
Sonia was very helpful and nice throughout the whole process. She got me the bes...
Ali Al-Rubayee

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When you find the best quote, secure your Gatineau auto insurance rate by talking to a licensed broker or agent.

We can help you find cheap car insurance in Gatineau.

Getting around Gatineau isn’t always a breeze, as a seemingly endless stream of cars make their way to and from Ottawa’s downtown core daily. However, since Gatineau is a more affordable place to live compared to Ottawa, many people choose to reside there and commute to Canada’s capital city. Not surprisingly, traffic congestion is a common occurrence. According to a 2016 Statistics Canada study, the Ottawa-Gatineau metropolitan region had the most commuters in the country.

Luckily, there are many insurance options to choose from in Gatineau — and shops the market for you so you can compare quotes from multiple insurance carriers all in one place. Enter your postal code above and click “Get Started,” or keep reading to learn more about how car insurance works in Gatineau.

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See how our customers save big on auto insurance.

CustomerLocationVehicleLowest RateAverage RateSaved
Quote from September 23, 2021
Male, 39 years old
Lowest Rate
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Quote from September 23, 2021
Male, 26 years old
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Driving in Gatineau.

Most popular cars in Gatineau.

Here's a snapshot of what Gatineau auto insurance shoppers are driving based on quotes completed on

Popular Brands

  1. Honda
  2. Hyundai
  3. Toyota
  4. Mazda
  5. Subaru

Who shops for auto insurance in Gatineau?

Based on our data, here’s who’s shopping for car insurance in Gatineau.

Gender of our users


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

What can I do to get cheap car insurance in Gatineau?

It's easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:

Shop around

We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.

Buy the right coverage

Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.

Drive responsibly

Your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.

Pay on time

Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.

Bundle up

Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.

Be safe, not sorry

Safety features like winter tires and alarm systems can help reduce your insurance premium.

Stick with one insurer

Most auto insurance companies give special discounts to customers who stay with them for a number of years.

Take a course

A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.

Keep driving

The math is clear: more experience on the road equals lower car insurance premiums. Young drivers almost universally pay higher rates for car insurance. While it’s difficult for new drivers to secure cheap car insurance rates, you may be able to lower your rates by maintaining good grades and attending driving school.

Look at location

Where you drive affects your premiums. Some areas are associated with higher rates of car accidents and theft.

Choose the right car

Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.

Track your driving

With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.

Your questions about car insurance in Gatineau, answered.

How much is car insurance in Gatineau?

It’s difficult to answer how much you can expect to pay for car insurance in Gatineau, as premiums are based on a diverse range of factors. Car insurance rates in Gatineau vary widely for seniors, students, and everyone in between.

Car insurance is a personalized product that’s customized to fit both the needs of the driver and the underwriting standards of the insurance company. Not surprisingly, you’ll come across a wide variety of automobile insurance policies in Gatineau, each with unique rates and features.

Comparing quotes is crucial in landing the best insurance deal in Gatineau, and is here to help. In just three minutes, we can help you compare auto insurance quotes from 75+ Canadian providers. We can connect you with a car insurance broker serving Gatineau, who will help you choose a policy that fits your needs and budget.

Where do I get the cheapest car insurance quotes in Gatineau?

It’s hard to say which car insurance company can offer you the lowest possible premium in Gatineau, as each policy is a customized product. Some factors are out of your control, such as the insurer’s risk tolerance and underwriting standards. Others, you hold sway over, such as:

The level of coverage you require. Expect to pay more for a comprehensive policy than a basic, no-frills policy.

Your driving record. Suppose your driving record is saturated with traffic violations and at-fault accidents. In that case, insurers will set you up with a higher premium. Conversely, if you’re a diligent, capable driver with little or no claims to your name, they may give you a cheaper premium.

The type of vehicle you drive. Gatineau auto insurance companies will assess various aspects of your vehicle when determining your premium, such as the make, model, replacement costs, and safety features.

How often and how far you drive. Your vehicle usage and distance travelled both impact your insurance cost. In general, the more you use your vehicle, the higher your monthly premium will be.

What factors affect the cost of car insurance in Gatineau?

Aside from factors such as your vehicle type, coverage level, and driving record, Gatineau car insurance providers set the price of your premium based on the following:

Where you live. Certain areas are more prone to theft, vandalism, accidents, floods, and wildfires, and these risks will directly affect your rate.

Your license level and driving experience. All else being equal, premiums drop as you gain experience behind the wheel (as long as you maintain a clean driving record).

Your insurance history. Gatineau auto insurance companies view an abundance of insurance claims as a red flag and will hike your premium accordingly.

Your age. Higher premiums are the norm for young people, as their lack of experience puts them at a higher risk for accidents. However, after age 25, drivers gain access to cheaper auto insurance in Gatineau.

What you use your vehicle for. Vehicles intended for business purposes typically require a pricier insurance policy than those meant for personal use, such as commuting to work.

What are car insurance rates in Gatineau for students?

Cheap car insurance in Gatineau for new drivers may be hard to come by, as they lack the driving experience of older, seasoned drivers. As a result, student drivers must contend with higher-than-average rates for several years.

If you’re a student driver, you can employ the following tactics to reduce your rate:

  • Purchase a used car instead of a new car
  • Ask your parents to list you as a secondary driver on their insurance policy. Under this arrangement, you can begin accruing valuable driving experience right away
  • If you’re currently attending a post-secondary institution or are a recent graduate, you may be eligible for a discount. Insurance providers routinely offer reduced rates for students who maintain a specific GPA or are alumni association members
  • Enroll in a driver’s education course and obtain the certificate of completion. This will indicate to Gatineau car insurance companies that you’ve received proper training, which may lead to a reduced premium

What are car insurance rates in Gatineau for new immigrants?

Suppose you’ve recently moved to Quebec from another country. In that case, you must obtain a Quebec driver’s license, have the minimum insurance coverage required, and register your vehicle annually. A driver’s license is vital, as it’s impossible to purchase automobile insurance in Gatineau without it.

If you hold a valid foreign driver’s license, Quebec legislation permits you to drive in the province for up to six consecutive months. However, should you decide to make your stay in Gatineau permanent after that time, you must apply for a Quebec driver’s license.

Quebec has reciprocity agreements that allow you to directly exchange your foreign driver’s licence for a Quebec one if you’re moving from one of the following countries: Austria, Belgium, France, Great Britain (England, Scotland, Wales), Germany, Isle of Man, Japan, Northern Ireland, South Korea, Switzerland, The Netherlands, including Holland and the Dutch Antilles (Sint Maarten, Aruba, Bonaire, Curaçao, Saba and Sint Eustatius) and Taiwan.

To transfer your driving history to a new country, ask your insurance company or government agency in your country of origin to provide a reference to your new insurer. If you sustained a clean driving record in your home country, you may be able to use that experience to secure a favourable rate in Gatineau. You can ask car insurance companies to estimate your premium but be aware that some may not accept your foreign driving record.

What are car insurance rates in Gatineau for high-risk drivers?

A high-risk driver is someone who’s been involved in incidents that are deemed “risky” by insurance companies, such as at-fault accidents and high speeding. Insurers view this class of drivers as being more likely to submit insurance claims than the average driver. Young people are typically classified as high-risk as well, which is why car insurance rates for new drivers in Gatineau can be so costly.

Should insurers designate you as a high-risk driver, you'll face a higher premium to compensate them for the increased risk of you submitting a claim. Moreover, these elevated premiums may remain in effect for many years.

Securing affordable car insurance in Gatineau is next to impossible if you’re in the high-risk category. Sometimes you may have no choice but to wait until the driving infractions are expunged from your record. Remember: traffic violations remain on your record for three years, and at-fault accidents for a minimum of six years and possibly up to 10 years.

How can I reduce my car insurance premiums in Gatineau?

Quebec cities offer some of the lowest auto insurance rates in Canada — and Gatineau is no exception. Still, it’s worthwhile to explore additional ways to secure the lowest premium possible. Here’s a list to help you get started:

Maintain a safe driving record. Be proactive and strive to always drive safely. Observing good driving habits is the best way to keep your premium low.

Check your eligibility for discounts. If you’re a member of a particular employer group or professional association, you may qualify for discounted insurance rates.

Drive less. Consider using alternative methods of transportation to get around. Gatineau provides residents with a robust public transit system, including bus operators Société de Transport de I’Outaouais (STO) and OC Transpo, both of which offer interchangeable passes. Ridesharing is an option as well, with Uber now a permanent presence in the city.

Install winter tires. Anything that enhances a car’s safety features is viewed favourably by automobile insurance providers in Gatineau, so installing winter tires is a wise move.

Consider usage-based insurance. Usage-based insurance (UBI) is available across Quebec, having grown in popularity in recent years as a tool for trimming insurance premiums. Essentially, it's an app that utilizes a type of technology called telematics, which tracks and analyzes your driving behaviour.

Bundle your insurance. If you insure all your vehicles and home with one insurance provider, you may be eligible for a discounted rate.

Compare new rates when your policy is up for renewal. When your insurance renewal date nears, compare new auto insurance quotes in Gatineau to see if you can secure a better deal — is always here to help you compare.

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