By analyzing tens of thousands of quotes submitted on the ClicAssure.com platform since the beginning of the year, we’ve determined that the average cost of car insurance in Quebec in 2025 is $1,352. This figure marks a significant increase compared to previous years, confirming an inflationary trend in the auto insurance sector in Quebec.

An average cost that varies by driver profile

It’s important to note that $1,352 represents an average across all driver profiles. It is not a fixed or guaranteed rate. In reality, many factors influence the actual cost of your auto insurance. Some drivers will pay much less, while others will see their premiums rise above this average.

A year-over-year increase in auto insurance premiums

The average cost of auto insurance has steadily increased since 2016. Compared to 2020, the year 2025 has seen a 38% jump in the average cost of car insurance premiums in Quebec.

Here’s an overview of the average prices observed over the years:

* Data calculated based on the tens of thousands of car insurance quotes we receive each year through the ClicAssure insurance comparison tool.

Several factors explain this continued rise in car insurance prices in Quebec:

• General inflation, which affects both labor and administrative costs.
• Rising repair costs, particularly due to the advanced technology in modern vehicles.
• Shortage of auto parts and extended delays in supply chains.
• Increase in the number of claims or the average cost per claim.
• Higher accident rates, tied to post-pandemic traffic increases or new driving habits.

What factors influence the cost of car insurance?

Your car insurance premium depends on a wide range of criteria, including:

• The vehicle model: Luxury vehicles, sports cars, and models that are expensive to repair often come with higher premiums.
• Your city or region: Where you live has a direct impact on your rate. For example, major cities with higher risks of theft or accidents tend to result in higher premiums.
• The driver’s profile: Age, gender, driving history (accidents, infractions), and even the intended use of the vehicle (personal or commercial) all influence your insurance premium.
• The type of coverage selected: Basic liability coverage will always be cheaper than comprehensive coverage with additional protections. The deductible you choose also impacts your premium.
• Your claims history: A claims-free history may help you access valuable discounts.
• Other factors: Many additional criteria may be considered when calculating your premium, and each insurer weighs them differently. For example, one insurer may place high importance on whether your vehicle is parked indoors or on the street, while another may prioritize the presence of an anti-theft device.

Conclusion: comparison remains the best strategy

In a context of rising auto insurance prices, the best way to save money is still to compare offers. For the same profile, differences between insurers can be significant. In Quebec, ClicAssure is one of the best ways to save on your car insurance. With our network of over 100 partner insurers, advanced technology, and precise premium calculation system, ClicAssure significantly increases your chances of getting the best possible price for your car insurance.