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We can help you find cheap car insurance quotes in Montreal.

Whether you're cruising along Boulevard St.Laurent or heading along Avenue Laurier, the urbane charms of Montreal make an impression on even the most casual observer. This "City of Saints" is anything but when you're on the road, however — driving in Montreal can be a white knuckle experience for motorists coming from out of town who complain about one-way streets, strange traffic laws, and everyone wanting to get where they're going in a hurry. Meanwhile, Montreal natives will tell you that assertive driving works just fine for them, thank you.

Because of its location on an island, driving in Montreal can pose other challenges too. The city suffers from traffic congestion on its many bridges and getting around by car can often take longer than expected. Commuters heading downtown from off-island suburbs like Longueuil and Laval are certainly no strangers to traffic jams and honking horns. Wherever you're driving in Montreal, you'll definitely need a great auto insurance plan. Luckily, there are lots of auto insurance companies in Montreal who may be a perfect fit — if you’re willing to compare the market. At you can find the cheapest car insurance prices from Montreal car insurance brokers and providers in your area — just like that.

Front view of a car. Illustration.

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CustomerLocationVehicleLowest rateAverage rateSaved
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Female, 42 years old
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Quote from March 21, 2023
Male, 38 years old
2018 AUDI A3 2.0T 4DR
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Focus on

Driving in Montreal.

Most popular cars in Montreal.

Montreal is one of the only cities in Canada where the number of cars on the road decreased over the last decade. However, there are still plenty of cars on the road. Hundreds of thousands of drivers hit the road in Montreal every day. Here’s a snapshot of the kinds of cars they drive based on data pulled from

Popular Brands

  1. Honda
  2. Toyota
  3. Hyundai
  4. Nissan
  5. Volkswagen

Who shops for auto insurance quotes in Montreal?

We pulled data from the database to give you a little more information about who’s shopping for cheap auto insurance quotes in Montreal.

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 Montreal?

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 Montreal car insurance, answered.


How much is car insurance in Montreal?

There is no standardized cost for car insurance in Montreal, because car insurance is an extremely customized product. Your premium will depend on a number of different factors — some which are in your control and some that are not — including the loss ratios of the car insurance company in Montreal you’ve selected. Car insurance calculator tools geared for Montreal drivers require less information, but this also makes them less accurate. Keep reading for more information on how you can roughly estimate your car insurance costs in Montreal.

Which Montreal postal code has the highest average premiums?

The postal code with the highest average automobile insurance price in Montreal is the H4W area, in the district of Cote Saint-Luc, Quebec. This postal code stretches from Nathan Shuster Park all the way down to Meadowbrook Golf Club. 

Which Montreal postal code has the lowest average premiums?

The lowest prices for car insurance in Montreal, on average, are paid by residents of the H1B district, which is located in Montreal East. This district begins at the Boulevard de la Rousselière and reaches Avenue Georges V. 

How do Montreal car insurance rates compare to other cities in Quebec?

As Montreal is the largest and most metropolitan city in Quebec, it’s no surprise its residents pay the highest insurance premiums in the province of Quebec.

  1. Montreal
  2. Lachine
  3. Saint-Laurent
  4. Lasalle
  5. Verdun

Residents of Montreal pay the highest car insurance rates in Quebec. Followed by Montreal are Lachine, Saint-Laurent, Lasalle and Verdun.

The Quebec cities with the cheapest insurance, beginning with the cheapest, are:

  1. Vandreuil-Dorion
  2. Vandeuil-sur-le-Lac
  3. Sherbrooke
  4. Longueuil
  5. Pointe-Claire

The residents of Vaudreuil-Dorion pay the least per year in car insurance premiums, based on data pulled from The next four cheapest cities in Quebec for auto insurance are, Vandeuil-sur-le-Lac, Sherbrooke, Longueuil and Pointe-Claire.

Where you live is one of many factors that can determine your car insurance premiums. Other things that come into play might include your driving history and your age.

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

This is a tricky question to answer because there isn’t one company that provides the cheapest car insurance quotes to all Montrealers.

Insurance is a highly customized product, which means that your policy and your rates will be specific to your circumstances. Some of the factors contributing to your auto insurance premiums are within your control, while others are not.

Factors that are under your control include:

  • The type of car you drive.
  • Your driving record.
  • The amount of kilometres you drive each year.
  • Your eligibility for discounts.
  • The amount of coverage you decide to buy.

While there are some things you can do to secure an affordable car insurance rate in Montreal, there are some things that are out of your control.

These include the company’s loss ratios, which are influenced by the driving histories of their other customers as well as their underwriting standards.

Some general steps you can take to lower your premiums can include; buying a car that’s not attractive to thieves and has good safety ratings; being a defensive driver; opting for a standard car insurance policy; make yourself eligible for discounts by installing winter tires and maintaining a high GPA if you’re a student.

Since there isn’t anything you can do about the factors you can’t control, we recommend focusing on being a safe driver and comparing auto insurance quotes.

Since every insurance company’s tolerance for risk is a bit different, it’s highly likely that one may offer you a better rate than your current insurance company.

When you compare car insurance quotes, make sure you do it in advance of your policy renewal date. Cancelling your insurance premium prematurely can harm your insurance rating and lead to a rate increase.

What factors determine my car insurance quotes in Montreal?

Insurance companies will take into account how much you drive when calculating your rate. The more time you spend behind the wheel, the greater the chances you’ll be involved in an accident. 

If you use your car every day and have a long commute to work (think anywhere greater than 25-30 minutes one-way), your premium will be higher than someone who drives less. 

On the other hand, if you only get behind the wheel to run quick errands, you’ll likely pay less for your car insurance each month. 

Montreal has a robust public transit system and it is a great way to cut down your mileage and save a lot of money on your car insurance premiums (and gas costs). In addition, Quebec’s no-fault system is credited with Quebec residents paying the lowest car insurance rates in the country. 

When you do need to use your car, combine your trips as often as you can. 

Here’s a list of other factors insurance companies take into account when calculating your car insurance premiums: 

Your licence level - Not having a full licence will cause your premium to be higher. Conversely, having a full licence has a positive effect on your auto insurance rates. New drivers looking for car insurance in Montreal may see higher rates due to this factor. 

Your driving history -  Insurance companies favour drivers who have many years of claims-free driving experience. Having little driving experience (approximately less than 10 years), previous claims, and driving convictions will push your car insurance rates up. For this reason, car insurance rates for high-risk drivers in Montreal may be higher than the average rate. 

Your age - Being a young driver puts you at a higher probability of being in a collision, according to actuarial data: you’re new to driving and are likely going to make some mistakes. This is another reason why coverage providers might be hesitant to give new drivers in Montreal a cheap rate on their car insurance. 

However, being young isn’t the only way age can impact your car insurance rates. Adults between the ages of 50 and 70 get some of the lowest car insurance rates in Toronto. If you belong to this demographic, you probably have a long history of being insured and you might even have bundled your home insurance policy with the same provider of your auto insurance.  After age 70, though, you might see  your rate begin to creep up because people in your age group are more statistically more likely to need to file a claim and need longer to recover from an injury. Therefore, seniors in Montreal who hold car insurance policies may also pay higher rates due to a higher rate of accidents in this age group. 

Your sex - Unfortunately, men often pay higher rates than women.

Your postal code - Urban dwellers pay more than drivers in rural areas. 

Your insurance history -  In addition to having a poor driving history, your insurance history can also play a role in determining your rates. If you’ve filed multiple claims or have a history of missing payments, you may be given a higher rate. Furthermore, new immigrants who need car insurance in Montreal may also face challenges because they have no Canadian insurance history at all. 

The amount of coverage you purchase: Buying coverage that exceeds the mandatory minimums will raise your insurance premium. 

Your income level - How much money you make can also impact your car insurance rates. A higher income may indicate to an insurance company that you’re less likely to get behind on payments. This is why students who need car insurance in Montreal may face challenges securing an affordable rate. 

Facts and myths about driving in Montreal.


  • Winter tires are mandatory. In Quebec, your vehicle must have winter tires from December 15 to March 15. It's the law.
  • Montreal has advance-straight green lights. This signal means you can proceed, but you can't make a right or left turn.
  • It's tough to pass a driving test in Montreal. Really tough. SAAQ, the provincial body that conducts driving tests, says only 61% of people pass on their first try.
  • The island of Montreal has 5,917 streets, according to Statistics Canada. Perhaps not surprisingly, over 20% of them are one-way.
  • The most dangerous intersection in Montreal is Highway 40 at Stinson, which averages over 20 collisions per year.


  • Radar detectors are legal within Montreal city limits. False. Operating a radar detector is illegal in Montreal — just as it is in the rest of Quebec.
  • Montreal is dangerous. False. Montreal's crime rate dropped 42% over the past 15 years. Crime data show Montreal is the 24th safest city in Canada, ahead of many cities only a fraction of its size.
  • Montreal is cold — year round. False. Ever been to Montreal in the summer? The city can be one hot and steamy place, with temperatures reaching well into the 30 degrees Celsius range.

Montreal driving tips

  1. If you're driving in Montreal during the winter, buy winter tires. It's no secret that Montreal gets lots of snowfall, the fall, winter, and even during the spring. Winter tires will give your vehicle extra grip when the going gets slippery. They're also mandatory under Quebec law.
  2. On the island of Montreal, it's illegal to turn right on a red. You have to wait until the light is green to turn at a stoplight. Don't forget.
  3. Watch out for one-way streets. Montreal is full of them, especially downtown. Watch for one-way signage and be extra cautious when you're entering and exiting one-way streets.
  4. Put your cell phone down. Quebec traffic laws prohibit texting and emailing while you're operating a motor vehicle.
  5. Parking meters downtown are computerized. Just remember your parking spot number and enter it at one of the nearby parking kiosks, which accept cash and credit cards.
Jessica Vomiero

Jessica Vomiero

About the Author

Jessica is the former Associate Editor for Before joining the team, Jessica worked as a National Online Journalist with and previously spearheaded the launch of the Business Section at one of Canada's largest technology websites, MobileSyrup.

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