Discover the top 20 major Auto Insurers in Quebec

Shopping for auto insurance can be a real headache. To help you find quality offers at the best price, we present the 20 major auto insurers in Quebec.

Compare several (up to 3) auto insurance quotes and determine the best one for you (No Commitment).

You will find that shopping for your car insurer could save you big money.

#1: Allstate Assurance

In business in Canada since 1953, Allstate Assurance offers auto insurance products in Alberta, Ontario, Quebec, as well as New Brunswick and Nova Scotia. Its slogan “You are in good hands” is a guarantee of professionalism and peace of mind. From the beginning, Allstate Assurance has been one of the most established companies in Quebec and stands out for the quality of its customer service as well as for its additional guarantees. With over 1,700 employees in over 80 branches, Allstate is a must in Canada when it comes to auto insurance. The company is also very involved in the community and partners with various foundations such as the United Way, MADD, Crime Stoppers, Junior Achievement, and more! The company also offers a host of advantages and discounts under certain conditions, for example by combining your car and home insurance, by insuring several vehicles, in the event of good conduct, etc.

Here are examples of additional guarantees offered by this company:

•  Compensation without depreciation in the event of damage to your vehicle not older than 36 months following an accident;
• Deprivation of use (reimbursement of replacement transport costs during the repair of your vehicle following damage or in the event of theft);
• Damage to a vehicle that does not belong to you;
• Personal insurance (with exemption from the deductible if a total loss or hit-and-run).

Regardless of your age and driving history, Allstate is a great choice!

 #2: Belairdirect | Car Insurance

Founded in 1955, Belair Direct is also one of the best auto insurance companies in Quebec. Their basic protection notably includes civil liability protection in addition to protection against physical damage to your vehicle. Belairdirect offers 8 auto insurance options so you can find one that fits your exact needs. Here is an overview of these different offers that complement the basic offer:

• Autocomfort ® (rental of a temporary replacement vehicle after an insured loss, cover for damage to a vehicle that does not belong to you, no deductible in the event of total loss or if you are a hit and run victim)
• Accident Forgiveness Open Road (protection of the good driving record, no increase in the insurance premium following 2 first at-fault accidents at the time of renewal)
• Roadside assistance
• Collision and Upset Insurance
• Protection against all risks except collision or overturning
• Improved liability protection
• Replacement insurance

By switching to Belairdirect, you can save up to 25% and you can even save with the Automerit Program which considers your safe travel and low mileage. By combining multiple programs at the same time, you can get great savings and more value for your money. The company has been a pioneer in Quebec for several years and stands out for its full range of services as well as its customer service. You can get a quote online or directly from an advisor.

#3: Desjardins Insurance

Desjardins doesn’t need an introduction. Being the most famous financial institution in Quebec, it has been working in the financial sector and in the insurance world for several decades. In 1944, the first subsidiary was created, known today as the Desjardins General Insurance Group. Since that time, Desjardins Insurance has built a solid reputation and has become one of the leaders in the industry. It is thanks to the quality of its customer service and its attractive promotions that the company has distinguished itself from its competitors. Discounts and benefits are offered depending on the driver profile. Here are some of them:

• Ajusto helps you save up to 25% for good driving
• 25 and under: discount up to 20%
• Green discounts (environment-friendly vehicles): up to 20%
• Multi-vehicle: up to 15%
• Zero violation of the Highway Safety Code during the last 3 years: up to 15%

Exclusive benefits for Desjardins members:

• Annual rebate of $50 for each insured car they own and Desjardins Roadside Assistance for free for those 25 and under
• Free Aquapel rain treatment for policyholders with Ajusto® on mobile

# 4: iA Financial Group

The iA Financial Group was founded in 1892 and is one of the oldest insurance companies in Canada. iA Financial Group is a major player in both auto and home insurance and can help you save money if you combine your insurance for both. IA Financial Group has one of the best reputations in the market and excels for the quality of the follow-ups it performs with its customers as well as for its incomparable customer service. Its various programs can allow you to save money through discounts such as:

• Combine car and home insurance: pay only one deductible for a claim on your car and your home at the same time
• A contract with more than one automobile: up to 15% discount on the insurance premium
• You benefit from other AI products: up to 10% off auto and home insurance
• Installation of approved anti-theft or tracking provisions on your automobile: up to 15% discount on the insurance premium
• Insurance for young drivers (Mobiliz ™): 25% discount for safe driving history

iA Financial Group offers particularly attractive discounts for those who are already members or who have investments and other products registered with them. Consult one of their professionals and you will see that they will be able to find an offer that matches your needs.

#5: Intact Insurance

Intact Insurance insures practically all types of vehicles including cars, motorcycles, ATVs, snowmobiles, or boats. It is one of the most comprehensive insurance companies in the country. It also offers roadside assistance and replacement insurance service. Intact Insurance has become popular in the last few years for its original ads, the quality of its customer service, and by its extremely competitive discounts. The company offers different levels of protection, namely:

• Collision insurance
• All-risks except collision or overturning
• All risks (collision + accidents without collision)
• Specific risks

You can also benefit from additional protection depending on your type of vehicle:

•  My drive ™: get rewarded for good driving (up to 25% off)
• Good Driving Record Protection: Protects your Good Driving Record And Roadside Assistance
• Commercial insurance policy for all Uber drivers (carpooling)
• Commercial insurance in case of car sharing on the site;
• Synchro® Insurance (combine auto and home insurance): up to 15% off home insurance premiums

Electric or plug-in hybrid vehicle: 20% discount on auto insurance premium, free one-year subscription to the Quebec Electric Vehicle Association (AVEQ).s

# 6: La Capitale General Insurance

Founded in 1940, La Capitale General Insurance is now a leader in the field of auto insurance and has stood out from its competitors, thanks to its proactive approach towards customers. The quality of the offers it presents to its customers and its rigorous follow-ups have made it one of the largest insurance companies in Quebec. In addition to liability insurance, La Capitale offers optional protection against material damage to your vehicle:

• For a collision for which you are at fault or a hit and run;
• During a fire, theft, vandalism, or broken windows.

In addition, La Capitale gives you many other advantageous options:

• No increase in premiums in case of 1 or 2 claims;
• Electric or hybrid vehicles: up to 15% discount
• No claims: up to 20% reduction
• Rental of a replacement vehicle or public transport or taxi costs and possible coverage of accommodation charges if deprived of your car due to an accident
• Protection in the event of damage to a short-term rental or borrowed car
• Modification to compensation for new vehicles, replacement of non-repairable parts with new parts in the event of a partial loss, compensation equivalent to the cost of a new vehicle with the same features as yours in the event of a total loss

La Capitale General Insurance not only insures ordinary cars but also recreational vehicles. Present in Quebec for over 75 years, La Capitale is involved in the community and supports more than 270 organizations. This Quebec company experienced strong growth due to the quality of its services and has established itself throughout Canada from 2006.

#7: PMT Roy

PMT ROY Insurance and Financial Services is the result of a merger between two principal auto insurance companies in 2003 (Vital Roy Assurances-1927, Groupe PMT Assurances-1946). Among its main partner insurers is Intact Insurance. The company has branches throughout eastern Quebec (Amqui, Beaupré, Îles-de-la-Madeleine, Lévis, Longueuil, Montmagny, Montréal, Québec, Rimouski, Rivière-du-Loup, St-Marc-des- Quarries, St-Raymond, St-Tite, Ste-Marie, Trois-Pistoles). This company is particularly distinguished by its promotions and advantageous discounts as well as by its competitive prices.

Several discounts are offered by PMT Roy, such as:

•  Combining automobile and home insurance;
• Insurance policy for more than one vehicle;
• A claim-free record;
• A file without offense;
• Women’s discount;
• Discounts related to one’s profession.

In addition, you can take out a 2-year term insurance which allows you to avoid a possible increase in premiums in the event of an accident until renewal. You can amortize your premiums monthly.

#8: Promutuel Insurance

The first mutual insurance established in Huntingdon in 1852, Promutuel Insurance is now present throughout Quebec with a network of 17 mutual insurance companies. It is one of the oldest insurance companies in the country. Its high-quality customer service as well as its competitive prices have enabled it to stand the test of time. Whatever formula you choose, certain claims can be forgiven: broken glass, no-fault accidents, and more. No additional protection is required for this purpose.

In addition to civil liability, 4 types of protection against damage to your vehicle are available:

• Collision or overturning
• Risks other than collision or overturning
• All risks
• Specified risks

Promutuel Insurance also offers additional protection to improve your basic coverage (i.e. personal insurance.) by way of an all-in-one formula (Proplan). Finally, the company offers a multitude of very advantageous discounts for its current and future customers:

• Combine car and home insurance: up to 25% and free coverage
• Multi-vehicle discounts
• Anti-theft system installation: up to 10% off
• 5% discount if you are the owner of the vehicle
• Students under 24: 10% discount

#9: SSQ Insurance

SSQ Insurance is a well-known insurance company in Quebec. Founded in 1944, it was once named Quebec Health Cooperative. This company offers, in particular, very convenient payment facilities and programs:

• Decreasing deductible (reduced) with each renewal without a claim
• Combination of auto and home insurance: single deductible in the event of a claim affecting the vehicle and the home at the same time
• 24- hour roadside assistance
• 24-hour claims assistance service

Other discounts are also offered:

• Online auto quote: $60 off
• Premium freeze even in the event of a claim if the policy is 2 years old
• Hybrid or electric vehicle: green discount
• Multi-product welcome discount ($25) if you benefit from another SSQ Insurance product or if you are a member of the FTQ Solidarity Fund

SSQ Insurance agents can advise you if you are not too familiar with the auto insurance process. For those who aren’t new to this, you can save $60 by requesting a quote online and take advantage of several other discounts that can easily save you a lot of money.

# 10: Wawanesa Insurance

Wawanesa Insurance is one of the largest insurance players in the market and one of the oldest companies in the country.  Dating back to 1896, it is one of the pioneers of auto insurance and has a customer satisfaction rate of 98%. Its competitive rates and high-quality customer service enabled it to significantly increase its market share during the 20th century. The company not only insures automobiles but also recreational vehicles.

Today, the company offers several advantages that are worth considering:

• No cash outlay if you are a hit-and-run victim and your vehicle is insured. Windshield repair is entirely covered by insurance.
• Protection of good driving record in the event of an accident.

The discounts offered by Wawanesa are associated with loyalty, installation of anti-theft devices and tracking systems, as well as multi-vehicle insurance. In addition to civil liability, Wawanesa Insurance offers the following optional guarantees:

• Deprivation of use of up to $2,500
• Civil liability for damage to vehicles not belonging to you
• Insurance of persons
  Automobile replacement value

Choosing Wawanesa, therefore, means choosing a guarantee of quality, professionalism, and efficiency.

# 11: Sonnet Insurance

Sonnet Insurance is now a benchmark in auto insurance in Quebec since it is the only insurer to offer a 100% online method of obtaining quotes and underwriting of policies. Thanks to its innovative, aesthetic, and simple-to-use web platform, it is possible to quickly obtain a car insurance quote without leaving your home or picking up the phone. The company has also won several awards, including:

• Insurance Canada Technology Award
• People’s Choice Insurance Canada Technology Award
• Guidewire Innovation Awards
• Bronze Award for Customer Service Innovation
• Bronze Award for Customer Contact Center of the Year (up to 100 positions)
• Bronze Award for Customer Service Center of the Year (up to 100 positions)

With Sonnet Insurance, you benefit from a new way of shopping for insurance and a relatively simplified process.

# 12: CAA Quebec Insurance

CAA Quebec is an insurer that everyone knows in Quebec offers a subscription service for roadside assistance, insurance, and travel advice and also auto and home insurance products. You can get a car insurance quote with CAA Quebec at their office, by phone, or online.

• No Stress policy gives you unparalleled peace of mind
• 10% discount on your premiums if you are a CAA Quebec member
• By combining your CAA Quebec card and your auto insurance, you can benefit from roadside assistance, zero deductible to pay in the event of total loss or hit-and-run, automobile advisory services, and more!
• Non-payment of any deductible in case of recoding or for the replacement of your car keys
• An average of $272 in savings by going with CAA Quebec for your auto insurance

CAA Quebec also has an extensive network of recommended garages and offers flexible auto insurance policies that adapt to your needs.

#13: TD Insurance

TD Insurance is a division of TD Bank that offers auto and home insurance products. Whether you rent or own a vehicle, TD insurance policies can provide the coverage you need. To find the best price, the company will analyze your driving record when establishing your auto insurance premium.

In addition, you can take advantage of several discounts and promotions with TD Insurance for your vehicle:

• Multi-product discounts when you combine auto and home insurance
• Decreasing deductible which can offer you a 10% discount per year
• TD My Advantage is a reward system for drivers who drive well and can lower your premium by up to 25%

The cost of your premium will vary according to your driving record, type of vehicle, frequency of use, use for commercial purposes, your place of residence, your coverage, etc.  You can take advantage of special discounts if you are part of a group of professionals or graduates.

Check with a TD Insurance agent for full details.

# 14: Aviva Insurance

Aviva is one of the largest insurers in Canada with over 2.8 million customers in Canada. Founded in 1887, the company offers a multitude of insurance products, including home and auto insurance policies. You can get an auto insurance quote directly online or by phone. Aviva’s basic coverage includes liability for damage to property or personal injury to third parties (including death), as well as the costs of healthcare and loss of income for you and your family. You can also take advantage of a wide variety of optional protection, including carpool insurance, collision cover, decreasing deductible rider, and more.

You can benefit from various discounts such as:

•  Multi-product discounts when you buy your home and auto insurance policy from Aviva
• Discount for retired people
• Discount when you insure more than one vehicle with Aviva
• Discount if you have an impeccable driving record and few claims

Request a quote from Aviva to benefit from great coverage at a reasonable price.

# 15: The Co-operators

The Co-operators is an insurance company established in Canada in 1945 that was originally founded by farmers who wanted to meet their insurance needs. Today, The Co-operators offers home and auto insurance policies in Quebec. Your auto policy will notably include civil liability protection.

You can also choose the extent of your protection, either only in the event of a collision, against specified risks, against multiple risks, or an all-risks policy.

A variety of endorsements and additional types of coverage can be included in your auto insurance policy.

You can check with their agents for potential discounts or promotions in effect at the time of your request for quotes.

#16: CIBC Insurance

CIBC established CIBC Insurance to provide auto and home insurance products to its customers. This company is present in Quebec and its solid reputation is undeniable. You can get a car insurance quote online or by phone. Your auto insurance policy adapts to your needs in terms of coverage. CIBC Insurance also offers life, critical illness, accident, and other insurance products. The more products you combine, the more you save.

You can obtain discounts and advantages with CIBC Insurance Assurances for your car:

• Smart Driving Program: CIBC Insurance rewards you for good driving behavior. Available only in Quebec and Ontario, this program will help you to save up to 25% on your premiums.
• Multi-product discount when you combine your auto and home insurance. Average savings of up to $ 625 or more.
• Some discounts vary from year to year. Check with an agent when you submit a request for quotes or an application.

#17: RBC Insurance

The Royal Bank of Canada is the largest financial institution in Canada. Its RBC Insurance division offers auto and home insurance products at very competitive prices. Besides, you can get a car insurance quote online directly, or by phone with one of their agents. Different levels of coverage are available for your vehicle, depending on the extent of coverage you need.

RBC Insurance offers a wide range of attractive discounts when you buy your car insurance:

• Multi-product discounts when you combine your auto and home insurance;
• Save 5% when you complete your quote online rather than by phone;
• Multi-vehicle discount when you insure more than one vehicle with RBC Insurance;
• Reduction of $50 on your annual deductible each year in when no claim has been filed

You can fill out the form on this page to get insurance quotes from RBC Insurance or other reputable insurers in Quebec.

#18: ScotiaLife Financial

ScotiaLife Financial is a division of Scotiabank that offers a variety of insurance products, including auto and home insurance. With a positive reputation across Canada, ScotiaLife Financial insurance products adapt to individual needs, depending on the level of coverage sought for their vehicle.

ScotiaLife Financial also offers a claims settlement service that is open 7 days a week, 24 hours a day.

You can also choose various types of coverage and additional riders to build the optimal protection for you (civil liability, collision, uninsured vehicle, all risks, rental cars, etc.).

Several discounts are available when you want to obtain auto insurance:

• Multi-product discounts if you take out auto and home insurance with ScotiaLife Financial;
• Multi-vehicle discount when you insure multiple cars with ScotiaLife Financial.

Fill out the form below to compare prices or request a car insurance quote to save time and money.

#19: Alpha Insurance

Alpha Insurance was founded in 1906 and is a private family-owned company. It is also a Quebec company run by local people which offers an impeccable quality of service. Their web platform is dynamic, easy to follow, and complete.  The company has been named one of the Best Managed Companies in Canada since 2011. It is also one of the 300 largest SMEs in Quebec. The customer satisfaction rate is also extremely high at 95%.

Here are some examples of advantages and discounts when you take out your car insurance with Alpha Assurances:

• Good Star protection: Your first at-fault accident is forgiven which avoids financial consequences for your insurance file. Your premium will, therefore, not increase will save you money.
• Alpha Distinction: you get a courtesy vehicle free of charge in the event of an accident, whether you are responsible or not.
• OMEGA roadside assistance
• Various types of insurable vehicles (auto, truck, motorcycle, snowmobile, ATV, RV, scooter, trailer, trailer, etc.
• Eco-auto discount: 15% discount on electric cars, 10% discount on hybrid cars, and 5% on cars with low fuel consumption.
• Multiple car discount: save by insuring more than one vehicle with Alpha Assurances.
• Family discount: potential discount for your children of up to 10% on their insurance.

Take advantage of the free online form on this page to compare car insurance quotes and get the best offers.

#20: National Bank Insurance

National Bank Insurance is a division of National Bank, one of the largest financial institutions in Canada. This company offers flexible auto and home insurance policies, the amount and extent of coverage can be adapted to your situation. National Bank Insurance offers in particular 3 levels of cover, namely:

• Minimum requirement: $1 million in civil liability
• For custom insurance: From $1-2 million in civil liability, 4 choices of cover for your car, deductibles between $50-1000, additional package options and personal insurance of $10,000, $15,000 or $50,000.
• For maximum protection: $2 million in civil liability, hit-and-run and collision avoidance coverage, subscription to the Auto-comfort program and personal insurance at $50,000.

You can also save on your policy in several ways:

• Multi-product discounts by combining auto and home insurance
• Multi-vehicle discount when you insure several cars with National Bank Insurance
• Save up to 25% by observing good driving habits as part of the Smart Driver program

Complete our online form to compare the prices of several insurance companies, or speak with a National Bank Insurance agent to obtain a quote.

Comparative table of the 20 largest auto insurers in Quebec in 2024

How to find auto insurance according to your needs?

When the time comes to shop for auto insurance, the first thing to do is to determine your needs. It is critical to choose additional riders to add to your basic coverage. There are a few questions to ask yourself, the most important of which are:

• What is the model of your vehicle?
• What is its condition?
• How much will it cost to repair in the event of an accident?
• How do you intend to use it and what are your driving habits (vehicle rental, replacement vehicle required in the event of a claim, routes, etc.)?
• Will other drivers use the vehicle occasionally?
• Do you want to insure more than one vehicle or combine auto and home insurance?
• How old are you?
• Etc.

It can be quite complex and exhausting to go to each of the insurers mentioned above to ask them for a quote. This is why Compare Insurances Online simplified your task by allowing you to receive multiple quotes (up to 3) in just a few clicks. Our certified partners (insurance brokers and direct insurers) will be happy to assist you with free quotes that match your needs.

Do you want to combine your car and home insurance? We invite you to read our Top 10 Quebec home insurance companies and their products for more information. You can then get another quote and save a ton of money!

Compare Insurances Online allows you to receive up to 3 auto insurance quotes, free of charge, to compare prices, service, or coverage in no time. Just fill out the form on this page to connect with our insurance partners.

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