It’s estimated that the average Quebec automobile insurance costs about $724 per year . However, every driver’s situation is unique and the best way to see how much it will cost you is to shop around and compare quotes for the cheapest rate. Even if you pay the “average” rate or less, there is always room to save more; your Quebec car insurance can be cheaper.

No matter where you live in Quebec, or for that matter Canada, auto insurance is mandatory. 

It is the law. Under the Quebec Automobile Insurance Act, you must carry at least $50,000 in civil liability insurance coverage. This amount however, is the bare minimum, and generally drivers have at least $1 million in coverage. 

According to the Groupement des assureurs automobiles and the Bureau d’assurance du Canada having at least $1 million in civil liability coverage is advisable because it protects you for:

• Damage caused to your vehicle for a no-fault collision in Quebec
• Property damage and bodily injury for an at-fault accident outside Quebec
• Material damage caused to a third party and for which you are at-fault.

Your Quebec auto insurance quote will include the compulsory civil liability coverage that you are required to carry. Usually, quotes include $1 million of civil liability coverage; however, you can change this amount to $2 million.

There are also optional coverages to consider as well, with the most common being collision and comprehensive. Both of these optional coverages will pay to fix your vehicle if damaged. Collision, for example, will pay for damages resulting from an accident, while comprehensive will cover damages caused by things like hail, theft, or vandalism. You can choose to include, or exclude, these optional coverages when reviewing your list of quotes.

5 tips to help you pay less for auto insurance

According to the Groupement des assureurs automobiles and the Bureau d’assurance du Canada there are 5 main things you can do to reduce your Quebec car insurance premium:

• Drive carefully. Tickets and collisions usually mean higher rates.
• Choose your car wisely. Some cars simply cost more to insure, especially if they’re prone to theft.
• Ask for a higher deductible. Increasing your deductible usually means your premiums will be lower; but choose a deductible that you can live with because this is the amount you’ll have to pay if you need to submit a claim.
• Bundle your policies. Most insurers offer a discount if your group your auto insurance and home insurance with them.
• Shop around. No two insurers are the same, and premiums can vary wildly.