
How a gap in your car insurance history can affect your rate
This article has been updated from a previous version. Insurance companies take a lot of varia...
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When you find the best quote, secure your Quebec City auto insurance rate by talking to a licensed broker or agent.
Quebec City may be one of Canada’s most walkable cities, but many residents find that a car is still a necessity.
If this is you, you'll definitely need a great auto insurance plan. Luckily, there are lots of auto insurance companies in Quebec City and one may even be a perfect fit — and you can find it in less than 5 minutes by comparing the market.
That's where we can help. LowestRates.ca makes buying car insurance easier by letting you compare quotes from 50+ of Canada's top insurance providers. We’ll also set you up with a Quebec car insurance broker who can secure your new, lower car insurance rate.
At LowestRates.ca you can find affordable car insurance from Quebec City car insurance brokers and providers in your area.
Best of all, our service is free, secure, and it takes us 3 minutes to fetch your results.
See how our customers in Quebec save big on auto insurance.
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company
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Last updated June 2025It's easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:
We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.
Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.
Your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.
Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.
Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.
Safety features like winter tires and alarm systems can help reduce your insurance premium.
Most auto insurance companies give special discounts to customers who stay with them for a number of years.
A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.
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.
Where you drive affects your premiums. Some areas are associated with higher rates of car accidents and theft.
Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.
With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.
While a number of factors determine what you’ll pay for auto insurance in Quebec City, including postal code, your driving history and your age, according to data from LowestRates.ca, car insurance in Quebec City costs are about 60% higher than what the Insurance Bureau of Canada says is the provincial average ($717).
Location is a major determining factor in how much you’ll pay for car insurance in Quebec down to your home address.
Why does your address matter? Let’s say an insurance company has customers who all reside in one neighbourhood. This particular set of customers have filed a lot of insurance claims recently. In response, the insurance company will raise rates for its customers for existing and new customers from this neighbourhood.
Conversely, other areas will experience lower monthly premiums as a result of these same factors. In fact, in nearby Levis, insurance costs about 11% more than what drivers are paying in Quebec City.
This is a tricky question to answer as car insurance is such a customized product, and no one company will provide the cheapest automobile insurance in Quebec City to all drivers who apply for coverage.
Your policy and your rates will be specific to your circumstances. While some of the factors that influence your auto insurance premiums are within your control, others are not.
Factors that are within your control include:
Some of the things that are out of your control include:
Generally speaking, there are some steps you can take to help ensure you’re getting the best rate possible, including:
Because you can’t do anything about factors that are outside your control, we recommend you focus on keeping a clean driving and insurance history and comparing Quebec City auto insurance rates.
Every insurance company will have a different risk tolerance, which means that one may offer you a better rate than another. This is why it’s so important to compare rates each and every year to ensure you’re getting the best car insurance price for you in Quebec City.
There are a number of different factors insurance companies will take into account when calculating your rate. This includes:
Car insurance rates for students in Quebec are likely to be higher than the rates for most drivers. This is because students don’t have as much driving experience as some drivers, in addition to having less insurance history. One way for students to get more affordable insurance is to maintain a high GPA, as some providers offer a discount for achieving minimum grades.
Like students, new immigrants are likely to pay higher insurance premiums than those born and raised in Canada. This is because they won’t have the insurance and driving history in Canada that can make it easier to secure an affordable rate. One way to lock in a better rate as a new immigrant is to get a letter of insurance history from your previous insurance company, as this can help prove to an insurer that you are a safe and trustworthy driver.
Car insurance rates for high-risk drivers will be higher than the rates offered to other drivers.
Being classed as a high-risk driver means that insurance companies think it likely they’ll need to pay out a claim on your behalf at some point. Having multiple traffic convictions or a shoddy payment history puts you in the high-risk category with most insurance companies. This results in higher premiums for you as a driver.
There are some car insurance companies in Quebec City that cater specifically to the high-risk demographic. You might also be able to purchase facility insurance, which is a pool that is funded by Canadian insurance companies to offer coverage to high-risk drivers.
While there are many things out of your control when it comes to securing an affordable car insurance rate in Quebec City, there are some things you can do to reduce your car insurance premium.
One way to save is to compare rates from multiple insurance companies with the help of an online comparison website such as LowestRates.ca. After you review your Quebec City car insurance estimates from over 50 providers, we’ll set you up with the Quebec City car insurance broker or agent offering your cheapest rate.
Most importantly, maintain a good driving record, as this has the greatest impact on your insurance premiums. Ensure you make payments on time, and ask your insurance company about any discounts such as bundling, driver’s education, or student GPA. Opting for basic coverage and driving only when necessary will also help to keep your premiums low.
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