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Car insurance in Montreal
Province to province, the cost of car insurance varies. Quebec has some of the lowest car insurance rates in the country, which means its cities, like Montreal, have lower rates too.
It’s easy to assume that you have the best rate you can possibly get because maybe you’ve been a loyal customer to your insurer for years, or you’ve bundled your home and auto insurance together, or you think you can’t possibly get a better rate anywhere else.
Don’t let those reasons stop you from making sure that you’re paying the best rate you can. With a single search, Kanetix.ca can show you quotes from the top car insurance providers. Find out if you’re currently overpaying for your car insurance. You have nothing to lose, and money to gain!
Your car insurance rate is determined by your auto insurer. They look at a variety of factors, including what kind of car you drive, your driving record, your insurance history and even where you live.
If you drive a car that is more prone to being stolen, this will probably mean your coverage will cost more. If you’re in the market to buy a new vehicle, or curious to see if your car is a popular choice for theft, take a look at the Insurance Bureau of Canada’s annual list of the most stolen cars in Canada.
Your Montreal car insurance policy has the following mandatory coverages:
- Public auto insurance: The Société de l'assurance automobile du Québec (SAAQ) administers your driver’s licence in Montreal and throughout Quebec. Premiums are set each year for Quebec's public automobile insurance plan. Premiums vary depending on your driving record as well as how many demerit points you have. The public auto insurance plan ensures that residents of Quebec are covered for injury or death as a result of an accident.
- Private auto insurance: This plan covers civil liability as well as property damage. It is most common to have liability that is set to $1 million or $2 million, though the minimum legal coverage is $50,000. This coverage can be purchased through insurance providers featured on Kanetix.ca.
More coverage is available that can be added to your insurance policy, including:
- 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 collision coverage, upset coverage and comprehensive coverage combined.
These optional coverages typically come with a deductible, so it’s important that you can afford to pay it in case you ever need to make a claim. Deductibles can impact how much your car insurance premium is; if you decide to go with a higher deductible, you’ll lower your rates.
According to quotes from Kanetix.ca over the last year, the most popular vehicles in Montreal are the following:
- Honda Civic
- Mazda’s Mazda3
- Toyota Corolla
- Hyundai Elantra
- Honda Accord
- Volkswagen Jetta
- Toyota RAV4
- Honda CR-V
- Ford Escape
- Toyota Camry
The top vehicle brands driven in Montreal are Honda, Toyota, Hyundai, and Mazda, so it comes as no surprise that the Honda Civic, Mazda3, Toyota Corolla and Hyundai Elantra are the most popular vehicles in Montreal.
Quebec has the lowest car insurance premiums in Canada according to a 2017 report by Ontario’s Ministry of Finance. These are the average annual auto insurance rates across Canada:
- Quebec - $724
- Prince Edward Island - $755
- New Brunswick - $763
- Saskatchewan - $775
- Nova Scotia - $783
- Yukon - $806
- Nunavut - $968
- Northwest Territories - $974
- Manitoba - $1,001
- Newfoundland and Labrador - $1,090
- Alberta - $1,179
- British Columbia - $1,316
- Ontario - $1,458
Not too far behind Quebec is Prince Edward Island, with an average annual auto insurance premium of $755. The highest rates in the country are in Ontario, with the average cost coming in at $1,458 per year.
According to the most recent census, the average commute for Montreal drivers is 30 minutes, while the Canadian average is 26 minutes.
More time on the road means increasing your exposure to being in an accident or getting a ticket. If you can find a way to cut down on your commute time, you’ll not only lower your insurance rate, but you’ll also increase your safety.
Montreal drivers who completed auto quotes with Kanetix.ca last year indicated the following:
- 44% of drivers indicated they did not have tickets on their record
- 37% of drivers indicated they did not have a collision in the last 10 years
- 80% of drivers indicated they did not have a roadside assistance membership
Over 50 per cent of Montreal drivers who completed quotes with Kanetix.ca last year have been in a collision or gotten a ticket. If you have an accident or get a ticket, it will go on your driving record and increase your insurance rate. Tickets stay on your record for 3 years, while accidents stay on your record for 6 years.
Your car insurance rate can be even lower
Although you may be paying a relatively low premium, that doesn’t mean you can’t save money. Here are a few other ways you can lower your car insurance rate even further:
- Shopping around: You don’t buy the first car you see when you’re shopping for a new car, so why should your car insurance be any different? It’s important to compare rates and see what insurance providers are offering before you settle on a premium.
- Multi-line discount: If you have a household full of drivers and more than two cars, this is a great way to lower auto premiums. Be rewarded with significant savings by combining policies in your household.
- Driver training: Taking an official driver’s education course can help lower your premiums, plus teach you good driving habits that make you a better driver. The safer you drive, the cleaner your driving history will be, and over time, that will also lower your insurance rate.
- Usage-based insurance(UBI): Usage-based insurance starts with a telematics device being installed in your car. This device records your driving behaviour, including braking and acceleration. Your insurer reviews your driving data and depending on the results, you could lower your current car insurance rate.
Compare car insurance rates for free
Comparing rates with Kanetix.ca will give you peace of mind, knowing you’re paying the best price for the auto coverage that best suits your lifestyle. We know it takes time to fill out multiple forms on different sites, which is why we only ask you to fill out one form to get multiple car insurance quotes from top insurers. The rates you see are pulled directly from insurance providers, meaning you won’t get a better rate elsewhere. Get a quote today and see how much you can save!
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