Best Car Insurance Companies in Quebec: Which One Is the Cheapest? (2026)
Published on
In Quebec, no car insurance company is the cheapest for everyone. Across the 200K+ car insurance quote requests made on ClicAssure from October 14, 2025 to October 13, 2026, the same vehicle received prices from 5 companies at the median, and the cheapest one changed from one driver to the next. Even among the most often quoted companies, the one that most often had the best price had it for only about 3 in 10 of the vehicles it quoted.
ClicAssure data from October 14, 2025 to October 13, 2026, extracted on October 14, 2026 · Our method
200K+car requests analyzed
15companies with prices
5companies per vehicle (median)
11 sto a first price (median)
In short
- The best price moves from one company to another. Of the six companies that sent us 100K+ prices, none had the lowest price for most vehicles.
- The gaps are large. At the median, the price of each of the 7 most often quoted companies is 16% to 48% above the best price received for the same vehicle.
- Three companies offered through brokers are the most present. L’Unique gave a price in 90% of requests that received one, Aviva in 87% and Wawanesa in 85%.
- Beneva goes through its own network. Sold directly and through 50+ agencies, it gave a price in 63% of requests that received one. It is also the current insurer our car customers name most often (19%).
- The best quote is often lower than the current premium. When customers told us their premium, that was the case in 64% of requests, with a median saving of $393 (coverage not necessarily identical).
- Hard to insure? Echelon and Pafco, offered through brokers, focus on the non-standard market.
Car insurance requests made in Quebec from October 14, 2025 to October 13, 2026. Volumes rounded down.
Transparency. ClicAssure, cabinet de services financiers inc. (registered with the AMF, no. 601725) is a comparison service. It does not sell insurance directly. Our partners (insurers, agencies and brokerage firms) pay us a fixed amount to receive requests, whether or not a policy is sold. This guide only covers companies offered by these partners, in order of presence. That presence depends on our network and our assignment rules; it measures neither market share nor a company’s quality, and no company paid for its place. As a rule, an insurer that sells directly or through its own agencies, such as Beneva, does not receive its own policyholders’ requests through ClicAssure.
The 15 car insurance companies in our comparisons
They sent us car insurance prices in Quebec during the period, directly or through our partner brokers. Each logo links to the company’s profile.
Car insurance company comparison table
The table shows which network offers each company and its place in our requests. It does not rank companies by price, since the cheapest one is not the same from one driver to the next.
Car insurance companies in ClicAssure comparisons, requests made in Quebec from October 14, 2025 to October 13, 2026 (200K+ requests). Order: presence, from highest to lowest.
| Company | Presence1 | Access | Partner brokers2 |
|---|---|---|---|
| L’Unique | 90% | Broker | 20+ |
| Aviva | 87% | Direct and broker | 10+ |
| Wawanesa | 85% | Broker | 10+ |
| Economical | 80% | Broker | 15+ |
| Beneva | 63% | Direct and agencies | — |
| Prysm | 52% | Broker (MGA) | 1+ |
| Promutuel Assurance | 32% | Mutuals, agencies, broker | 15+ |
| Sonnet | 8% | Direct, online | — |
| Co-operators | < 2% | Direct | — |
| Alpha Assurances | 1% | Direct and agency | — |
| Echelon Insurance | Low volume3 | Broker | 10+ |
| Optimum Insurance | Low volume3 | Broker | 5+ |
| Pafco | Low volume3 | Broker | 10+ |
| April | Low volume3 | Broker (MGA) | 5+ |
| Allstate | Low volume3 | Direct | — |
1. Share of requests with at least one price in which the company gave its own (Sonnet: counted on its priced quotes). 2. Brokerage firms on our list that say they represent the company. 3. Fewer than 1,000 prices during the period. Volumes rounded down.
Profiles of the 15 companies
Presence and volumes: requests made on ClicAssure from October 2025 to October 2026.
L’Unique
Through brokers · 20+ brokersProducts: Car, home, motorcycle
Our data: 150K+ prices, quoted in 90% of requests with a price.
Good to know: it is offered only through brokers, but almost all of our partner brokerage firms represent it.
Aviva
Direct and through brokers · 10+ brokersProducts: Car, home
Our data: 150K+ prices, quoted in 87% of requests with a price.
Good to know: Aviva Traders and Aviva Elite are Aviva banners, grouped here under its name.
Wawanesa
Mutual, through brokers · 10+ brokersProducts: Car, home
Our data: 150K+ prices, quoted in 85% of requests with a price.
Economical
Through brokers · 15+ brokers · Definity groupProducts: Car, home
Our data: 150K+ prices, quoted in 80% of requests with a price.
Good to know: it belongs to the Definity group, like Sonnet, which sells directly.
Beneva
Mutual, direct and through 50+ Beneva agenciesTypical profile: customers who deal with the insurer or an agency, or who bundle several products.
Products: Car, home, motorcycle, boat, RV, ATV, snowmobile, business
Our data: 100K+ prices, quoted in 63% of requests with a price. It is the current insurer our car customers name most often (19%).
Good to know: our brokers do not offer it. Its price comes from Beneva or from a Beneva agency. Already with Beneva? Compare with the companies offered through brokers.
Prysm
Managing general agent, through brokersProducts: Car, home
Our data: 100K+ prices, quoted in 52% of requests with a price.
Promutuel Assurance
Regional mutuals, agencies, 15+ brokersTypical profile: residents of regions served by a partner Promutuel mutual.
Products: Car and home, plus ATV and snowmobile depending on the region
Our data: 60K+ prices, all mutuals combined, quoted in 32% of requests with a price.
Sonnet
Direct, online · Definity groupTypical profile: customers who want to do everything online, without a broker.
Products: Car
Our data: 10K+ prices, quoted in 8% of requests with a price.
Co-operators
Co-operative, directProducts: Car, home, motorcycle, RV, ATV, snowmobile, business
Our data: 3K+ prices, quoted in less than 2% of requests with a price.
Alpha Assurances
Direct and through an agencyProducts: Car, home
Our data: 1K+ prices, quoted in about 1% of requests with a price.
Echelon Insurance
Through brokers · 10+ brokersTypical profile: drivers who are hard to insure (non-standard car insurance).
Products: Car (non-standard market)
Our data: low volume during the period.
Good to know: the non-standard market accepts risks that standard insurers often decline, and its premiums are not comparable with theirs.
Optimum Insurance
Through brokers · 5+ brokersProducts: Car
Our data: low volume. Its prices have appeared mostly since late September 2026.
Pafco
Through brokers · 10+ brokersTypical profile: drivers who are hard to insure (non-standard car insurance).
Products: Car (non-standard market)
Our data: low volume during the period.
Good to know: a driver can end up in the non-standard market after, for example, a license suspension, a policy canceled by an insurer or several claims.
April
Managing general agent, through brokers · 5+ brokersProducts: Car
Our data: low volume during the period.
Allstate
DirectProducts: Car, home
Our data: very few prices during the period.
How we compared the companies
Our data
We analyzed the 200K+ car insurance quote requests made on ClicAssure by Quebec residents from October 14, 2025 to October 13, 2026 (date of the request). Of these, 89% received at least one price. Source: ClicAssure database, extracted on October 14, 2026 as totals, with no personal information.
A price is a company’s annual premium for one vehicle, tax included, discounts applied, without policy fees. It comes from each partner’s quote or from the per-company prices our partner brokers get from their rating tool. We keep prices from $150 to $10,000 for an identified vehicle, and one price (the lowest) per customer, vehicle and company. Promutuel mutuals are grouped together.
Our indicators
- Presence
- Share of requests with at least one price in which the company gave its own.
- Best premium
- Lowest price received for a vehicle, all companies combined. We do not publish, for each company, the share of vehicles for which it had it (in a tie, each company is counted).
- Gap to the best price
- Median gap between a company’s price and the best premium for the same vehicle. We only give it as a range, without naming companies.
The list and the table follow the order of presence, from highest to lowest, low-volume companies included. It is not a ranking.
What we do not measure, and our limits
- Customer service, claims handling and financial strength are not measured here.
- Presence depends on our network and our assignment rules (region, partner criteria, customer’s current insurer). It is not a market share.
- We do not compare companies’ prices with each other. Each one receives different customers (region, age, driving record, broker’s choice), and a lower average would not mean it is cheaper for you.
How much does car insurance cost in Quebec in 2026?
On ClicAssure, the best premium received for a vehicle was $1,292 at the median and $1,502 on average (tax included, without fees), for requests made from October 14, 2025 to October 13, 2026. It varies mostly with the region and the driver’s age. Claims history, which insurers check in Quebec’s central auto claims file (Fichier central des sinistres automobiles), and driving record also matter, but our tables do not measure them.
| Administrative region | Best premium (average) |
|---|---|
| Montréal | $1,884 |
| Laval | $1,713 |
| Côte-Nord | $1,649 |
| Outaouais | $1,553 |
| Gaspésie–Îles-de-la-Madeleine | $1,546 |
| Saguenay–Lac-Saint-Jean | $1,517 |
| Lanaudière | $1,494 |
| Abitibi-Témiscamingue | $1,486 |
| Laurentides | $1,469 |
| Capitale-Nationale | $1,415 |
| Montérégie | $1,393 |
| Estrie | $1,393 |
| Chaudière-Appalaches | $1,380 |
| Bas-Saint-Laurent | $1,353 |
| Mauricie | $1,302 |
| Centre-du-Québec | $1,277 |
| Driver age | Best premium (average) |
|---|---|
| 18 to 29 | $2,031 |
| 30 to 39 | $1,645 |
| 40 to 49 | $1,468 |
| 50 to 59 | $1,276 |
| 60 to 70 | $1,051 |
| 71 and over | $995 |
Men: $1,656 · Women: $1,467.
Age and sex come from the data behind our premium pages, which keep each partner’s best main quote. Our city pages cover one city and the calendar year: their figures differ from these.
Other car insurers in Quebec
A few of our brokers also offer Chubb, Northbridge, Travelers, Zurich, Liberty Mutual and Allianz, but no car insurance price was sent to us during the period. Other large insurers, several of which sell mainly directly, send us no prices, or almost none. If your insurer is not in this guide, compare the quotes you receive with your renewal notice.
How ClicAssure works, and how it is paid
ClicAssure, cabinet de services financiers inc., does not sell insurance directly. It is a comparison service registered with the AMF (no. 601725; Quebec enterprise number 1171442289). You fill out a single request, and our partners (direct insurers, agencies and brokerage firms) present their prices. See also: insurer, broker or comparison tool.
Who receives your request?
As a rule, up to 3 partners, chosen based on your region, your profile, your current insurer and their own criteria. To get prices, your information also goes through technology intermediaries (e.g. Applied Systems), as your consent provides, and each broker sends it to the insurers it represents. That is why the same vehicle received, at the median, prices from 5 companies.
Who can call you?
Those partners, and ClicAssure if needed, by email, text or phone, to confirm your information or finalize the quote. No obligation to buy.
How ClicAssure is paid
No commission on sales. Each partner that receives your request pays ClicAssure a fixed amount, whether you buy or not. The service is free for you.
At the median, the first price arrives 11 seconds after the request is sent; 99% of requests that received a price got it in less than a minute.
Brokers, agencies and direct insurers: our partners
You can buy car insurance through a brokerage firm, through an agency or directly from the insurer. For you, the main difference is how many prices you get in a single step.
Brokerage firm
A broker represents several insurers and shows you the prices of those its firm has agreements with. At renewal, the broker can move you to another insurer without you changing contacts. The firm must be registered with the AMF, and you can check it in the AMF’s public register.
Agency
An agency represents a single insurer, here Beneva, Alpha Assurances or a Promutuel mutual. Its agents sell only that insurer’s products, so you get only its price. The agency is also registered with the AMF.
Direct insurer
You deal with the insurer itself, online or by phone, and again get a single price. Our direct partners are Allstate, Alpha Assurances, Aviva, Beneva, Co-operators, two Promutuel mutuals and Sonnet.
Our partner brokerage firms
These firms receive our car insurance quote requests in Quebec. They are listed in alphabetical order, with their city and the insurers they say they represent (some of those insurers do not send us prices). List as of October 14, 2026; see also our Partners page.
AMR Assurances Multi-Risques
Sherbrooke
Allianz, April, Aviva, Chubb, Echelon, L’Unique, Liberty Mutual, Lloyd’s, Lombard, Missisquoi, Optimum, Pafco, Promutuel, South Western, Totten Group, Travelers (Dominion of Canada), Wawanesa, Zurich
Sherbrooke
Allianz, April, Aviva, Chubb, Echelon, L’Unique, Liberty Mutual, Lloyd’s, Lombard, Missisquoi, Optimum, Pafco, Promutuel, South Western, Totten Group, Travelers (Dominion of Canada), Wawanesa, Zurich
Assurances 3G
Trois-Rivières
Aviva, Economical, L’Unique, Optimum, Pafco, Promutuel, Wawanesa
Trois-Rivières
Aviva, Economical, L’Unique, Optimum, Pafco, Promutuel, Wawanesa
Assurances Groupe Vézina
Laval
April, Aviva, Chubb, Echelon, Economical, L’Unique, Lloyd’s, Northbridge, Optimum, Pafco
Laval
April, Aviva, Chubb, Echelon, Economical, L’Unique, Lloyd’s, Northbridge, Optimum, Pafco
Assurancia Gatineau Inc.
Gatineau
Echelon, L’Unique, Pafco, Promutuel, Wawanesa
Gatineau
Echelon, L’Unique, Pafco, Promutuel, Wawanesa
Assurancia Groupe Tardif
Thetford Mines
Aviva, Economical, L’Unique
Thetford Mines
Aviva, Economical, L’Unique
Assurancia Nexia
Vaudreuil-Dorion
April, Echelon, Economical, L’Unique, La Première du Canada, Optimum, Pafco, Promutuel, Wawanesa
Vaudreuil-Dorion
April, Echelon, Economical, L’Unique, La Première du Canada, Optimum, Pafco, Promutuel, Wawanesa
Beauchemin Gauvin & Guimond Cabinet en assurance de dommages inc.
Varennes
Aviva, Economical, L’Unique, Pafco, Wawanesa
Varennes
Aviva, Economical, L’Unique, Pafco, Wawanesa
Club Assurance
Montréal
April, Aviva, Echelon, L’Unique, Lloyd’s, Pafco
Montréal
April, Aviva, Echelon, L’Unique, Lloyd’s, Pafco
Courtage 360
Saint-Valentin
April, Echelon, Economical, Pafco, Promutuel
Saint-Valentin
April, Echelon, Economical, Pafco, Promutuel
DPA Assurances
Saint-Hyacinthe
Aviva, Economical, L’Unique, Promutuel, Wawanesa
Saint-Hyacinthe
Aviva, Economical, L’Unique, Promutuel, Wawanesa
Ellipse assurances
Quebec City
Aviva, Economical, L’Unique, Optimum, Pafco, Promutuel, Wawanesa
Quebec City
Aviva, Economical, L’Unique, Optimum, Pafco, Promutuel, Wawanesa
Essor Assurances
Montréal
L’Unique, Promutuel
Montréal
L’Unique, Promutuel
Gendron assurance
Brossard
Aviva, Economical, L’Unique, Lloyd’s, Northbridge, Promutuel, Wawanesa
Brossard
Aviva, Economical, L’Unique, Lloyd’s, Northbridge, Promutuel, Wawanesa
K2D assurances
Quebec City
Aviva, Economical, L’Unique, Pafco, Promutuel, Wawanesa
Quebec City
Aviva, Economical, L’Unique, Pafco, Promutuel, Wawanesa
L’Avenue Privée cabinet en assurance de dommages inc.
Saint-Hyacinthe
Aviva, Economical, L’Unique, Pafco, Prysm
Saint-Hyacinthe
Aviva, Economical, L’Unique, Pafco, Prysm
La Turquoise - cabinet en assurance de dommages
Saint-Eustache
Economical, L’Unique, Promutuel, Wawanesa
Saint-Eustache
Economical, L’Unique, Promutuel, Wawanesa
Lareau Courtiers d’assurances
Napierville
Echelon, Lloyd’s, Optimum, South Western
Napierville
Echelon, Lloyd’s, Optimum, South Western
LP Sarrazin & Fils
Montréal
April, Chubb, Echelon, Economical, L’Unique, Pafco
Montréal
April, Chubb, Echelon, Economical, L’Unique, Pafco
Lussier, Cabinet de services financiers
Sorel-Tracy
April, Aviva, Chubb, Echelon, Economical, L’Unique, Pafco, Promutuel
Sorel-Tracy
April, Aviva, Chubb, Echelon, Economical, L’Unique, Pafco, Promutuel
Malouin Assurance
Saint-Césaire
L’Unique, Promutuel, Wawanesa
Saint-Césaire
L’Unique, Promutuel, Wawanesa
Nour Assurance
Laval
Aviva, Echelon, L’Unique, Optimum, Promutuel
Laval
Aviva, Echelon, L’Unique, Optimum, Promutuel
Telio Assurances
Quebec City
April, L’Unique, Promutuel, Prysm
Quebec City
April, L’Unique, Promutuel, Prysm
Univesta assurances et services financiers Inc.
Montréal
April, Economical, L’Unique, Wawanesa
Montréal
April, Economical, L’Unique, Wawanesa
YouSet
Montréal
Aviva, Economical, L’Unique, Promutuel, Wawanesa
Montréal
Aviva, Economical, L’Unique, Promutuel, Wawanesa
Our partner agencies
The legal name of Beneva agencies ends with “agence en assurance de dommages” (damage insurance agency), left out here. Several use their agent’s name as their business name: for those, we only publish the city, under “other agencies.”
Beneva, 50+ agencies, by region:
Bas-Saint-Laurent. Other agencies in Matane and Rimouski.
Capitale-Nationale. Bloc assure, Probatio Assurances and Réseau assurances (Quebec City), Reflet 2.0 (Shannon); other agencies in Quebec City.
Chaudière-Appalaches. Assurances Raby et Bernard and ROK Assurances (Lévis), Lapointe assurances (Saint-Jean-Chrysostome), ÔME Assurances (Saint-Apollinaire), Onyx Assurances (Saint-Michel-de-Bellechasse); other agencies in Beaulac-Garthby and Thetford Mines.
Estrie. Les assurances Bergeron Gazaille et ass. (Granby); other agencies in Granby and Val-Racine.
Lanaudière. Assurances Tremblay & associés and PMC Assurances (Terrebonne), Les Assurances Champagne Laurentino (Mascouche).
Laurentides. AFV Assurances (Labelle), Assurances Accès Général (Saint-Jérôme), Ô’Zassurances VP (Morin-Heights); other agencies in Blainville, Piedmont, Saint-Colomban and Saint-Jérôme.
Mauricie. Other agencies in Saint-Tite and Shawinigan.
Montérégie. Assurabili-T (Beloeil), Assurances Gélineau (Brossard), Assurances JNM (Chambly), Assurances Pierre et Baguidy (Longueuil), Groupe assurance Davis (Boucherville); other agencies in Longueuil, Saint-Alexandre, Saint-Amable, Saint-Jean-sur-Richelieu, Saint-Mathieu-de-Beloeil and Vaudreuil-Dorion.
Montréal. Inov Assurances; other agencies in Montréal and Montréal-Nord.
Saguenay–Lac-Saint-Jean. Certium assurances (Dolbeau-Mistassini); other agencies in Dolbeau-Mistassini, La Baie and La Dorée.
Promutuel Assurance. Two regional mutuals receive our requests: Promutuel Assurance Centre Sud (Sherbrooke) and Promutuel du Lac au Fleuve (Baie-Saint-Paul). They are insurers that sell their own products.
Alpha Assurances. One partner agency, in Drummondville, whose business name is the agent’s name.
How to pay less for car insurance
- Compare at every renewal.
In the 20K+ requests where the customer told us their current premium, the best quote received was lower in 64% of cases. The median potential saving was $393, based on the reported premium and with coverage not necessarily identical. - Get several prices for the same vehicle.
No company has the lowest price for most vehicles, and a single price does not tell you whether you are paying too much. - Put direct insurers and brokers in competition.
Companies offered only through brokers (L’Unique, Wawanesa, Economical) and those that sell directly (Beneva, Sonnet) do not go through the same networks. A broker only compares the insurers it represents. - Compare equal coverage.
Same deductible, same endorsements (replacement cost, rental car), same civil liability amount. Otherwise, the lowest price may hide less coverage. - Ask for the bundled car and home price.
Compare it with the sum of the best separate prices. See: Car and home insurance. - Reduce the risk of theft.
Some insurers require or reward an anti-theft system for the most stolen vehicles. See: Anti-theft systems and premiums.
Read also: How to get the cheapest car insurance in Quebec · Can you negotiate your premiums?
Frequently asked questions
What is the best car insurance company in Quebec?
None is the best for everyone, since the lowest price depends on your profile, vehicle and region. In our data (200K+ requests from October 14, 2025 to October 13, 2026), even the company that was most often the cheapest, among the most often quoted, was cheapest for only about 3 vehicles in 10. Price is not the only criterion, and this guide does not measure service or claims handling. On price, you have to compare using your own profile.
What is the cheapest car insurance in Quebec?
It depends on your profile. The same vehicle received prices from 5 companies at the median, and each of the 7 most often quoted companies asked, at the median, 16% to 48% more than the best price received. Always compare equal coverage.
How much does car insurance cost in Quebec in 2026?
On ClicAssure, the best premium received for a vehicle was $1,292 at the median and $1,502 on average, tax included (requests from October 14, 2025 to October 13, 2026). It varies with the region ($1,884 on average in Montréal) and with the driver’s age.
How do you choose a reliable car insurance comparison site?
Check that the company is listed in the AMF register, that it says how it is paid, that it states who will receive your information and that it shows you real quotes rather than estimates. ClicAssure is registered with the AMF (no. 601725), receives a fixed amount per request with no commission, and as a rule sends your request to up to 3 partners.
Will I get a lot of calls?
As a rule, up to 3 partners receive your request. They may contact you to confirm your information or finalize a quote, and ClicAssure may also contact you about your request. To limit calls, make a single request rather than several on different sites, and tell a partner clearly if you do not wish to go further.
How is ClicAssure paid? Is it free?
The service is free and without obligation. ClicAssure takes no commission on sales: each partner that receives your request pays it a fixed amount, whether you buy or not. This payment is not part of any figure in this guide.
What car insurance is mandatory in Quebec?
The owner of a vehicle registered in Quebec must have civil liability insurance of at least $50,000 for property damage caused to others. Bodily injuries are covered by the SAAQ public plan, no matter who is at fault. Coverage for your own vehicle (collision, theft) is optional, but often required by the lender.
Why are some well-known insurers not on the list?
We present the companies offered by our partners that sent us prices during the period. Other large companies send us no prices, or almost none (see “Other insurers”). If your current insurer is not listed, compare the quotes you receive on ClicAssure with your renewal notice.
First edition (requests from October 14, 2025 to October 13, 2026).
Disclaimer: This text is provided for your information and for the sole purpose of providing food for thought. It does not constitute insurance advice. Only a duly authorized insurance professional can analyze your personal situation, discuss your needs with you and advise you on insurance matters.
