To easily find the auto insurance company that offers the best auto insurance for you at the lowest price, let us introduce you to our Top 12 auto insurers in Quebec.
Top 12 Auto Insurance Companies
This is a non-exhaustive list and the auto insurance companies are presented in completely random order. All could be at the top of the list.
- Auto insurance with Desjardins Insurance
In Quebec, the financial institution Desjardins no longer needs a presentation.
Founded in 1944, the subsidiary now called Desjardins General Insurance Group has built a reputation worthy of the name and has become an industry leader in the financial sector.
The promotions and discounts offered have attracted an ever-growing clientele, thus setting Desjardins General Insurance Group apart from its competitors.
- SSQ Auto
Also created in 1944 under the name Coopérative de santé du Québec, SSQ Financial Group offers, among other things, simplified payments and particularly interesting programs such as:
- The combination of your auto and home insurance provides for the payment of a single deductible if the same loss affects both your home and your automobile
- A deductible whose payment amount decreases at each renewal if you have not made any claim, Etc.
- Allstate Auto Insurance
Since its inception in Canada in 1953, Allstate Insurance has continued to expand its activities.
In Quebec, it is the excellence of its customer service and its additional (optional) protections that make its reputation.
For example :
- Compensation without depreciation if your vehicle less than 3 years old suffers damage as a result of an accident
- Auto insurance coverage in the event of damage to a vehicle you do not own
- Reimbursement of replacement (rental) or public transport costs following a theft or accident (the time of repair)
- Personal insurance coverage (including exemption from the deductible) if you are the victim of a hit-and-run or if your vehicle is declared a total loss.
- Wawanesa auto insurance
The clients of this insurance company created in 1896 declare a satisfaction rate of 98%.
The high quality of its customer service, as well as its particularly competitive prices, allow it to hold a more than enviable market share in the field of insurance, including automobile insurance.
Example of advantageous auto insurance protection offered by Wawanesa: Your good driving record is preserved if you suffer an accident (not at fault).
- Belairdirect. | Car Insurance
Since 1955, Belair Direct has offered coverage that has allowed it to become one of the best auto insurance companies.
In addition to basic coverage, Bélair Direct offers
- Autoconfort MD
- The forgiving police MD
- The Police Who Forgive Grande Route MD
- Intact Auto Insurance
The range of auto insurance products offered by Intact Insurance is among the most comprehensive in Canada.
Intact Assurances offers very competitive price reductions, among other things, on the vast majority of leisure vehicles (cars, ATVs, boats, snowmobiles, motorcycles, etc.)
In addition to basic auto insurance covering civil liability, Intact offers more specific optional insurance products. For example, a commercial insurance policy for drivers offering the “Uber” carpooling service.
- La Capitale General Insurance
Founded in Quebec City in 1940 by employees of Parliament Hill, La Capitale now offers its services to all Canadians.
Its dynamic approach which is anticipated as your needs, the quality of the insurance products offered and the conciseness of the follow-up given to each of its clients have made it stand out.
In addition to compulsory liability insurance and basic auto insurance, La Capitale offers optional coverage designed specifically for:
- Young drivers (20-30 years old)
- Families with children under 16
- Retirees and current employees of public services in Quebec, etc.
- Industrial Alliance auto insurance
The Financial Group Industrial Alliance has been helping Canadians since 1892. IA Financial Group’s reputation is well established in the market.
IA Financial Group sets itself apart by the importance attached to quality control of the service provided and the monitoring process to achieve even better results.
The many auto insurance products offered by IA Financial Group are designed to save you money.
If you have already taken out investments or other insurance products, your loyalty will be rewarded with various promotions and discounts.
- PMT Roy auto insurance
Born from the merger of Groupe PMT Assurance Auto (1946) and Vital Roy Assurance Auto (1927), PMT Roy works in partnership with various insurers including Intact Assurance.
PMT Roy has mainly developed branches in eastern Quebec:
From Montreal & Longueuil to the Magdalen Islands via Ste-Marie & Lévis, Quebec & Beaupré, Rivière-du-Loup & Rimouski, the county of Portneuf …
At PMT Roy, you can take out auto insurance for a 2-year term and amortize your premium monthly.
This way you can avoid an increase in your premium in the event of a claim, at least until you renew your contract.
- Promutuel Auto Insurance
Founded in 1852, Promutuel Insurance today forms a network comprising no less than 17 different mutual companies specializing in insurance scattered throughout Quebec.
Standing out for the quality of its customer service and its unbeatable prices, Promutuel Insurance also offers basic auto insurance products forgiving certain claims: accidents without liability, broken glass, etc.
No need to acquire a rider to benefit from these additional protections.
However, certain other coverages can improve your basic protection, such as personal insurance, the Proplan all-in-one auto insurance optimal protection formula, etc.
Promutuel Insurance discounts and promotions encourage both the enrollment of new customers and the loyalty of already established customers.
- TD Auto Insurance
Formed by the merger in 1955 of the Bank of Toronto (1855) and the Dominion Bank (1869).
The Toronto Dominion Bank (TD) has made its TD Insurance division the best home & auto insurance group by direct marketing in Canada.
An innovator in affinity marketing, TD Insurance offers employers, groups of graduates, members of professional associations … to come together to save on their vehicle (and property) insurance thanks to preferential rates.
- Auto Insurance The Personal
The Personal is one of the best auto & home group insurers in Quebec in addition to being one of the leaders in Canada.
Since 1974, The Personal has served the employees and members of at least 700 organizations associated with the private and public sectors by providing them with superior service and privileged group rates.
What are the different Automobile Insurance products in Quebec?
Are you looking for the best auto insurance at the best price? Do you know the options available to you when it comes to auto protection?
In Quebec, insurance companies offer 2 main types of auto insurance products: liability insurance and comprehensive insurance.
What is the difference?
- Liability insurance (1 board)
This protection covers the damage that you can cause to other motorists in the event of an accident.
This is compulsory insurance, which covers your liability in the event of an accident but does not cover damage to your vehicle.
- Comprehensive insurance (2 edges)
This comprehensive protection covers both your civil liability and the damage that your vehicle may suffer in the event of an accident, vandalism, collision, etc.
This is insurance that protects you against all risks, except for the exclusions mentioned in your contract.
Is automobile insurance compulsory in Quebec?
The answer is yes. In Quebec, it is compulsory to be insured under Chapter A of automobile insurance.
Chapter A concerns liability insurance.
You must therefore have insurance (1 edge) for your civil liability when you travel on the roads of Quebec.
That being said, this basic protection is not for everyone.
To protect your vehicle, you must opt for more comprehensive protection, that is, comprehensive insurance.
What does the SAAQ insurance cover?
The Société de l’assurance automobile du Québec (SAAQ) is a government entity that offers an insurance package to all drivers in Quebec, but not for their vehicle.
SAAQ insurance covers bodily injury suffered by anyone involved in a road accident in Quebec, namely:
- Motorist
- Motorcyclist
- Cyclist
- Pedestrian
It provides financial compensation for bodily injury, not physical damage to vehicles.
It does not, therefore, replace your insurance.
What risks are generally covered in automobile insurance?
Your all-risk auto insurance protects your vehicle optimally against a variety of risks and claims.
Of course, the complete list of coverages will vary from one insurance company and from one contract to another.
It is therefore very important to compare the protection plans offered.
Among the risks covered by the majority of contracts, we find:
- Flight
- Attempted theft
- Vandalism
- Winds
- Hail
- Lightning
- Fire
- Accident
- Collision
- Reversa
- Hanging
To get the Best Auto Insurance, you need to compare at least 3 insurances from 3 different companies.
What factors can cause the price of the auto insurance premium in Quebec to vary?
In auto insurance, there are a lot of factors that vary the premium that the insurer will charge you.
Some factors are linked to the vehicle to be insured, and others to the client’s profile.
- Among the most important and influential factors are:
- Age
- Sex
- Vehicle model
- Vehicle year
- Number of years of driving experience
- Driving record
- Credit history
- Type of protection
- Amounts of deductibles
- Claim histor
- Type of use
Since there are so many factors that go into the calculation of the premium, you can imagine that there are differences between insurance companies.
That’s why you have to shop around.
You can save +20% from one insurer to another.
What issues can significantly affect my auto insurance price?
Your auto insurance premium varies and your general insurability can be affected by some major issues.
Indeed, certain situations will send alarm signals to insurers who can then refuse to insure you with limited certain protection, or even charge you a higher premium.
Among the major problems that insurers fear, we find:
- Drunk Driving
- Bankruptcy
- Consumer proposal
- Non-payment
- Criminal record
- Frequent complaints
Find out in detail all the major problems that may affect your insurability and the solutions that exist.
What is the price of auto insurance depending on the brand of the vehicle?
We know that a customer’s profile influences the price he will pay for his auto insurance. But what about the vehicle itself?
The make of your vehicle can have a bigger impact on your insurance premium than you think.
Indeed, insurance companies rely on certain data related to vehicles to establish their insurance cost, such as:
- The cost of replacing components
- The number of accidents by make and model
To give you an idea of auto insurance prices based on various popular brands, we have created specific pages for each type of vehicle.
Check them out here!
Tips to save on your auto insurance in Quebec
Getting the best auto insurance is easier than you might think, and the majority of drivers just don’t bother.
If you want to pay the best price, you can’t just pick just any insurer.
You need to take the time to shop around and compare quotes from multiple companies.
Among the best tips from our partner brokers, here are some that could allow you to significantly reduce your premium;
- Increase your deductibles
- Combine your auto and home insurance
- Find out about the discounts offered
- Subscribe to driving monitoring programs
- Install an anti-theft system
- Shop with at least 3 insurers