Car Insurance in Quebec

Whether you want to admire the view from atop Mount Royal or appreciate glimpses of history that emerge with colonial architecture, feel confident your auto insurance coverage fits your needs.

Find a TD Insurance Auto Centre.

Your one-stop shop for claims advice, repairs and rentals.

Lifetime warranty on auto repairs

Get a lifetime warranty for as long as you own your car and are insured with us.

In Quebec, Mandatory Car Insurance Coverage Includes

If you own or lease a car in Quebec, liability coverage is the only legal requirement in Quebec.

Civil Liability

Provides coverage for damage caused to another person by an insured vehicle.

Enhanced and Special Coverage for Quebec

Choose one of these options for beyond-the-minimum protection for your car.

Specified Perils

Protects your vehicle from specified perils such as losses caused by fire, floods, hail or theft.


All other insured damage caused to your vehicle (except collision or upset).

Collision or Upset

Damage to your vehicle caused by a traffic collision with another vehicle or object.

All Perils

The broadest level of coverage — combines Collision or Upset and Comprehensive coverage along with increased theft protection.

Accident Forgiveness

With Accident Forgiveness, your car insurance rates won’t go up if you have an at-fault or partially-at-fault accident.**

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Uninterrupted Driving Coverage

With Grand Touring, travel worry free within Canada and the U.S. because you’re covered for rental car insurance, a temporary rental car, and even towing.

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Waiver of Depreciation

In the event of a total loss, you could get the purchase price of your vehicle as your settlement value1.

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Cost of Car Insurance in Quebec

Well, that depends on a few things. We look at several key factors when calculating your auto insurance premium (and so do other insurance companies):

  • Your car make, model, and year are taken into consideration when quoting you a price. The kind of car you have determines its value, safety features, and how much it would cost to repair damages.
  • How you drive your car in addition to the number of kilometers you drive every year, including daily commute and business use.
  • Your driving record, which includes things like the number of years you've all been licensed for, speeding tickets, and accidents.
  • The area in which you live affects premiums – whether it's Montreal, Quebec City, or elsewhere..
  • The coverage and add-ons you choose might cost more but can provide you with additional benefits that could save you money in the event of a covered loss.
  • We offer ways to save with preferred rates for professionals and alumni being one of the ways. Check out the section below for more information on how to save on your insurance.

Learn more about how auto insurance premiums are calculated

Ways you can save

Bundle car and home insurance

Insure two or more vehicles

Drive a hybrid or electric vehicle.

Have an approved anti-theft system installed.

How Do I Save On Car Insurance in Quebec?

Here are a few simple tips that can help you save on car insurance in Quebec:

  • Insure all your cars with us so you can make the most of our "multi-vehicle discount.”
  • Insure both your car and home with us so that you qualify for a "multi-line discount."
  • Increase your deductible ‑ insurance is really meant to cover you for damages you could never afford on your own. Generally speaking, a higher deductible can mean a lower premium.
  • Think about removing collision coverage if you drive an older car. This means weighing the cost of the collision coverage with the value of your car and chosen deductibles.
  • Maintain a great driving record – the safer you drive, the more you could save. By downloading and using the TD MyAdvantage app, which collects and analyzes driving data, you could save up to an additional 25% on your premium!
  • Consider driving a "low-risk" vehicle. Insurance premiums are based on previous claim history, so the more likely the vehicle is to be stolen or in an accident, the more you'll pay for insurance.
  • Have an approved, factory-installed anti-theft device installed in your car. We will automatically take this into account when deciding your premium. You would have to opt to have this installed after you get your car, though.

File a Claim Right from Your Phone!

Let us be there for you when you need it most. With the TD Insurance Mobile App, you'll receive step-by-step guidance through the claims process, be able to take photographs, and track the status of your claim.

How Does Car Insurance Work in Quebec?

Once you've decided on the right kind of auto insurance coverage and deductible amounts with your insurance provider, you will pay for an insurance premium. This will provide you financial protection against physical damage to your car that can happen from traffic collisions. It could also cover liability costs if you ever damage another person's property in a car accident. With enhanced coverage options, you can explore ways to add extra protection also.

Car Insurance Eligibility and Restrictions

To be eligible for auto insurance, you (and all the drivers you wish to include in the policy) must have a valid driver's license. Insurance companies will look at your prior driving record to determine eligibility and rates. Other eligibility restrictions may arise from past convictions. This too will vary depending on when your last conviction occurred and the nature of the conviction.

Other insurance conditions may arise depending on the type of vehicle, its use, and any customizations or modifications made to the vehicle. For example, if you've altered your vehicle to enhance its performance or appearance, most insurance companies would need to assess the vehicle to determine if they could insure it. If you plan on modifying your vehicle, call us first! We will let you know if the changes you plan on making could have an impact on your policy and your premiums.

Learn more about Car Insurance Eligibility and Restrictions

Car Insurance Quote in Quebec

If you're looking for an auto insurance quote in Quebec, use our online quoter. It's fast, efficient, and will provide you with a personalized quote right now.

To get started, you will need your driver's license handy and some basic information about your car. You will also need to provide some specifics about the driving history of those likely to drive the car, including yourself. Once completed, the quote will be valid for 45 days, so you can refer to it at any point within that time.

Keep in mind that the minimum car insurance coverage required is determined by the Government of Quebec and that may differ from Ontario, New Brunswick, Newfoundland/Labrador, Nova Scotia, Prince Edward Island, and Alberta. Premiums may also vary depending on the area in which you reside.

Now you can head down Le Chemin du Roy, take in the history offered by the city, and feel confident your coverage fits your needs.

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Accident forgiveness coverage

Accident forgiveness coverage

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Tips to save on car insurance

How premiums are calculated

How premiums are calculated