Car Insurance in Montreal

Montreal drivers can save on car insurance. We get you the lowest rates from top insurance providers.

Start with your car, finish with savings.

Saving money on car insurance has never been this easy.

Step 1

We search

We search for your lowest rates from over 50 insurers.

Step 2

You choose

You select your best quote from the options available to you.

Step 3

We secure your rate

We connect you to the company to secure your selected rate.

How our customers rate us

Car insurance in Montreal

Montreal is the largest city in Quebec and the second biggest in Canada. It is also the second largest French-speaking city in the world after Paris, France. The main city of Montreal occupies a 30-mile long island along the convergence of the St. Lawrence and Ottawa rivers and is linked to the mainland by a tunnel and 15 bridges.

More than 4 million people currently reside in Montreal and a great deal of them drive regularly. The average age of drivers shopping for car insurance from Montreal on the website is 37 and male drivers overwhelmingly (72%) outnumber female (28%) drivers.

Real rates for real customers.

Check out these rates we've secured for customers across Canada.

What your insurance covers

Your Montreal car insurance policy has mandatory coverages as well as a few optional coverages that can be purchased. The mandatory coverages are broken down in to two components:

  • Public auto insurance: Your driver's licence is administered by the government agency called the Société de l'assurance automobile du Québec (SAAQ), and includes injury coverage in the cost. Each year, premiums are set for Quebec's public automobile insurance plan. Premiums can vary depending on your driving record as well as demerit points accumulated. The public automobile insurance plan in Quebec ensures that all its residents are covered for injury or death resulting from an automobile collision.

  • Private auto insurance: Your private plan covers civil liability as well as property damage. This coverage is obtained though private insurance companies that features. The minimum legal coverage is $50,000, but it is much more common to have liability that is set to $1 million or $2 million.

There are more than three optional coverages that can be added to your Montreal car insurance policy, but the most common are the following:

  • Collision (or upset) coverage: This covers damage to your vehicle as a result of an impact or collision with another vehicle or object.
  • Comprehensive coverage: This insures your car against damage caused by non-collision scenarios like theft and vandalism.
  • All perils coverage: This is both collision/upset coverage and comprehensive coverage rolled up into one.

These optional coverages typically come with a deductible. A deductible is the portion of an insurance claim you agree to pay. Your deductibles will factor into how your auto insurance rates are calculated. The higher the deductible the lower your rates.

What goes into your car insurance rate?

Drivers in Montreal are well aware of the different factors that car insurance companies use to prepare rates as well as the information that needs to be collected before finalizing any insurance premiums. For example, where you live in Montreal, your commute, the car you drive, and your driving history will all figure into the rate issued by insurance providers.

  • Your neighbourhood: With millions of drivers in a large city, there are bound to be busy traffic conditions, which can make getting around a challenge. A way to escape the traffic is to use other routes that are less traveled, as the city offers areas that aren't as heavy in traffic. Insurance companies will look over any pertinent data to determine their rates. Depending on where you live, you may end up paying a bit more in urban areas. 
  • Your commute: Montreal has a well-established public transportation system and millions use it daily. Those choosing to do so to get to work may fare better in terms of insurance rates than those who drive in each day. Similarly, those working closer to home are more likely to get a break on insurance costs. 

  • The car you drive: Auto insurance companies use vehicle model and year as a major component in determining car insurance premiums. Some cars have higher theft rates than others. Some models cost more to repair while some are ranked higher in terms of safety. Expect insurance companies to examine these statistics carefully when compiling premiums. 

  • Your driving history: It's common knowledge that your driving record will be carefully screened before car insurance rates are issued. Any accidents, infractions, tickets or charges that appear on your driving record will play a role in how much you pay for car insurance. This is an incentive to drive safely, as the reward for good driving habits and a clean record lead to lower insurance premiums. 

More than half of all drivers in Montreal have had at least one car accident, as reported while getting their auto insurance quotes. In fact, 61 per cent have reported at least one incident. Far less drivers (43%), report that they have received at least one ticket. Male and female drivers are almost equal in terms of having at least one ticket, with 44% of males and 40% of females reporting so while filling in quote information. 

More ways for Montreal drivers to save

Multi-line discount

The car insurance business is quite competitive and to reward loyal customers or attract new ones, companies must offer incentives or savings. Approximately 41 per cent of Montreal insurance customers are expected to apply for a multi-line discount from their provider. Customers that hold multiple policies with the same provider will likely be treated to significant savings. 

Usage-based insurance

Ask your insurance company about usage-based insurance and see if they have a program in place. Basically a small telematics device, which is installed in your car, is used to record things such as hard braking or quick acceleration and other common driving behaviors. 

Invest in driver training and security

Completing a driver training course can help lower your rate. Installing additional security features on your vehicle, or setting up an alarm system in your garage may also help lower your premium.

Roadside assistance

Drivers who use some form of roadside assistance program may be entitled to a slight discount in rates from their insurance providers. About 26 per cent of Montreal drivers indicated they use roadside assistance on It is recommended drivers check with their insurance company to see if a discount is applicable. 

Shop around to see if you can save money

The best way to make sure you're getting the best car insurance rate out there is to shop around. Compare what your provider charges you to the market. Compare your Montreal rates at renewal, or when lifestyle changes affect your coverage like when you get married, move, or buy a new car. Compare quotes for a lower auto insurance rate today.

Not ready to shop for insurance today?

Set a renewal reminder and we'll let you know when it's time to save.
Select a date

Yes, I would like to receive electronic renewal reminder emails. I am able to unsubscribe at any given time. For details, see our privacy policy

Thank you, your subscription details have been saved.

Set another reminder

Major Conviction, Minor Conviction...What's the Difference?

Mar 20, 2018

A part of what goes into determining your auto insurance rate is your driving record, including any tickets you may have received. There are a variety of different types of tickets and some have more influence on your premiums than others.

Read more ›

Auto Insurance Rates Expected to Increase in the Coming Year

Mar 19, 2018

Brace yourself. Auto insurance rates are expected to increase, Canada-wide, this year and this is bad news for Ontario drivers who already pay more for coverage, on average, than any other province.

Read more ›

Seasons Change and So Does Your Car Insurance

Mar 19, 2018

A change in season is the ideal reminder to take a few quick minutes to see if you're still getting the best car insurance rate out there. And now that spring has officially sprung, it's time to see if you could spring into some savings on your car insurance.

Read more ›