Compare car insurance quotes in Quebec City for free.

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:

• 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.

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.
   

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.