Compare car insurance quotes in Quebec City for free.

On average, Quebec City drivers save hundreds of dollars per year by comparing quotes with us.

Get quotes from 75+ Canadian providers in 3 minutes.

Compare quotes from Canada's leading auto insurance providers

26,730 Canadians

have compared rates and saved money over the last 24 hours

What our users say:

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

How comparing auto insurance quotes works. Hint: it’s free!


Next, we’ll show you quotes from 75+ Canadian providers. It’s free, with no commitment.


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

We can help you find cheap car insurance in Quebec City.

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. makes buying car insurance easier by letting you compare quotes from 75+ 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 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.

Front view of a car. Illustration.

See how our customers save big on auto insurance.

CustomerLocationVehicleLowest RateAverage RateSaved
Quote from September 23, 2021
Male, 45 years old
Lowest Rate
Average Rate
Quote from September 23, 2021
Male, 36 years old
Lowest Rate
Average Rate

Focus on

Driving in Quebec City.

Most popular cars in Quebec City

Here’s a snapshot of the kinds of cars Quebec City residents drive based on data pulled from

Popular Brands

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

Who shops for auto insurance quotes in Quebec City?

Take a look at some information we pulled from the database to get a glimpse of who’s shopping for cheap auto insurance quotes in Quebec City.

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 Quebec City?

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 Quebec City, answered.


How much is car insurance in Quebec City?

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, car insurance in Quebec City costs are about 60% higher than what the Insurance Bureau of Canada says is the provincial average ($717).

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

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.

Where do I get the cheapest car insurance quotes 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:

  • 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.

Some of the things that are out of your control include:

  • The driving histories of other policyholders.
  • Your insurance company’s underwriting standards.

Generally speaking, there are some steps you can take to help ensure you’re getting the best rate possible, including:

  • Buying a car that is not known to be targeted by thieves (the Insurance Bureau of Canada puts out a list of the top 10 most-frequently stolen cars annually).
  • Purchasing a vehicle with good safety ratings.
  • Being a defensive driver.
  • Opting for a standard car insurance policy.
  • Taking advantage of discounts offered for things such as installing winter tires and maintaining a high GPA if you’re a student.

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.

What factors affect the cost of car insurance in Quebec City?

There are a number of different factors insurance companies will take into account when calculating your rate. This includes:

  • How much time you spend behind the wheel: The more time you spend on the road, the greater the chance you could be involved in an accident. Whenever possible, combine your trips to cut down on the amount of times you’re getting behind the wheel.
  • Your daily commute: If you’re using your car to commute on a daily basis, you will have higher premiums than someone who drives less often. Conversely, if you’re only using your vehicle to run the occasional errand, you’ll likely have lower monthly premiums.
  • Your driving record: Driving history is one factor that will weigh heavily on how much you pay for car insurance. If you have a history of tickets or accidents on your record, you’ll likely pay more than someone with a clean abstract due to being considered higher risk. Additionally, having less driving experience (approximately less than 10 years) can also push your rates up. If you have any driving convictions on your record, you’re also likely to face increased insurance rates.
  • Your insurance history: In addition to your driving history, your insurance history will also play a role in determining your rates. Those who’ve filed multiple claims or who’ve missed making their insurance payments may be given a higher rate as they’re deemed higher risk. New drivers looking for car insurance in Quebec City will face higher premiums as a result because their insurance history is limited. New immigrants might also face higher premiums if they have no Canadian insurance history at all.
  • Your age: According to actuarial data, you’re at a higher probability of being in a collision as a young driver. This is because you are inexperienced and are likely going to make some mistakes. Conversely, car insurance in Quebec City for seniors is likely more affordable simply because they have more experience, especially with a driving record that is clear of accidents and convictions.
  • Your gender: Like it or not, men pay more for insurance than their female counterparts, as they are more likely to engage in risky driving behaviours such as drinking and driving and speeding.
  • Your postal code: Your location has a lot of bearing on what your insurance rates are like. In general, urban dwellers tend to pay more than drivers in rural areas. Additionally, those who live in an area with a higher concentration of claims will find themselves paying more for insurance than those who live even the next postal code over.
  • The amount of coverage you purchase: Your policy itself is also a major factor in how much you’ll pay for insurance premiums. While everyone in Canada is required to have a minimal amount of insurance coverage, buying coverage that exceeds the mandatory minimums will raise your rates.

What are car insurance rates in Quebec City for students?

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.

What are car insurance rates in Quebec City for new immigrants?

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.

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

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.

How can I reduce my car insurance premiums in Quebec City?

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 After you review your Quebec City car insurance estimates from over 75 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.

Auto insurance news

Read More Like This