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Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$89.99Dec 09, 2023, 06:34 PMAuto69FemaleM1H2E4
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Article Contents
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on November 16, 2023

Visit author page
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated November 16, 2023

Visit author page

10 minute read

Article Contents

How Can You Get Cheap Car Insurance in Montreal?

You can get cheap Montreal car insurance by finding the best deals. Here are several tips to help you do so:

Compare quotes between providers

Comparison shopping can help you find the most affordable coverage for your preferred policy type and budget. Save time and money by using My Choice to compare quotes from different car insurance providers in your area.

Pay annually instead of monthly

While an annual car insurance fee may be heftier, some insurance providers offer a discount if you choose annual payment. This is because it reduces their administrative costs.

Install security features

Having anti-theft alarm systems will deter thieves, reducing the chances of filing a claim. This reassures your insurer that you may be less likely to file a claim, so they may lower your car insurance quotes.

Bundle your insurance policies

Some insurers offer home insurance and car insurance bundles, giving discounts on both types of coverage as long as you get both policies from them.

Drive carefully

By being cautious on the road and keeping a clean driving record, you convince car insurance companies that you’re a low-risk driver. A clean driving record with no demerits generally results in lower car insurance quotes.

Quick Facts About Auto Insurance in Montreal

  • Montreal car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Montreal for a driver with a clean record is around $800.

Who Provides Car Insurance Quotes in Montreal?

Insurance brokers, agents, aggregators, and direct writers provide car insurance quotes in Montreal. Here’s an overview of these four insurance quote providers:

Insurance Aggregators

These are sites like My Choice that allow you to compare car insurance rates and coverage options between a variety of insurance providers. Because they’re online and provide quotes from different providers, aggregators can save you a lot of time and money.

Insurance Agents

Insurance agents are independent professionals who can give you policy information and quotes from the companies they work with.

Insurance Brokers

An insurance broker can represent you as a buyer and get quotes on your behalf from different companies. They can also offer advice about which add-ons to get and how to lower your quotes.

Direct Writers

A direct writer is an insurance company that doesn’t have agents independently offering their policies to potential clients. Instead, they offer quotes through their call centres or official websites.

How Does Car Insurance Work in Montreal?

Car insurance in Montreal is “hybrid”, meaning it combines public and private coverage. Typically, public insurance coverage for Quebecers protects them in case they are involved in a motor accident that results in injury or death. 

Public insurance is provided by the Société de l’assurance automobile du Québec (SAAQ) and is funded by a portion of your yearly driver’s licence fees. This public coverage includes “no-fault insurance”, which means everyone is covered for death or injuries regardless of who was responsible for the accident.

Private insurance, on the other hand, is also required but is separate from public insurance. Private coverage in Montreal is mandatory, and it typically covers your civil liability as well as property damage. These are three mandatory inclusions for Montreal private car insurance:

The mandatory car insurance requirement for Montreal drivers are:

Direct Compensation Property Damage (DCPD)

If you’re found to be not at fault for an auto accident, this provides compensation for repairs, replacement, and restoration up to a minimum required limit.

Third-party Liability Coverage

This mandatory inclusion covers you in case you cause damage to someone or their property while driving.

Uninsured Motorist Coverage 

This inclusion provides compensation for injuries or damage sustained in an auto accident caused by an uninsured driver.

Drivers may also opt for add-ons to private insurance that increase their limits or protect them from additional perils. These are some of the most common add-ons that enhance your Montreal car insurance protection:

Emergency roadside assistance

This covers you in case of roadside emergencies that may cost you for repairs or services, such as a flat tire, a dead car battery, or accidentally getting your keys locked into your car.

Collision insurance

This add-on protects you and your car if you’re found to be partially or wholly at fault for a collision.

Comprehensive insurance

This protects you from damage or losses you may suffer while your car is parked. Perils that are typically covered by a comprehensive insurance add-on include fallen tree branches, vandalism, or flooding.

Specified perils insurance

This coverage protects you from damage or losses caused by explicitly listed, select perils, such as earthquakes or fires. While typically cheaper than comprehensive insurance, this also leaves you exposed to risks not named in your policy.

All-perils insurance

This add-on combines the protection of collision insurance and comprehensive insurance, with added coverage in case someone known to you (such as a household member or employee) steals your car.

How Your Car Insurance Quotes Are Calculated in Montreal

Your car insurance quotes are calculated in Montreal by considering several factors to compute the likelihood of filing a claim. Typically, the more factors that would raise your chances of making a car insurance claim, the more expensive your car insurance quotes will be.

Here are some of the most common factors that Montreal car insurers take into account when calculating your quotes:


Younger drivers are seen as less experienced and thus more likely to get into a collision, so their car insurance quotes are typically higher until they reach the age of 25. However, your premiums will rise again when you turn 65, as older drivers have a higher risk of getting into car accidents.

Driving History

Car insurance companies will always ask to look into your driving history to look at any past accidents, demerit points, and other incidents that assess your risk level as a driver. Generally, a clean record means cheaper car insurance premiums.

Vehicle Age

Having an older car can increase your premiums. Because your car’s value goes down as it ages due to depreciation, driving an older car may result in cheaper insurance. However, having an old car isn’t always a guarantee that your car insurance will be affordable: old cars may have higher repair and replacement costs, so your car insurance may still be pricey.

Mileage and Usage

Car insurers will take your annual mileage into account to assess how often you drive and how far to calculate the likelihood of getting into an accident. 

Vehicle Make

If your car is a more expensive model, your car insurance premiums tend to be more expensive as this increases repair or replacement costs if you need to file a claim.

Insurance History

Simply put, if you’ve had more cancellations, claims, or lapses in your previous car insurance policies, your premiums will tend to be higher in the future. A history of consistent payment with no claims or cancellations generally results in lower quotes.

Coverage Options

The higher your coverage limits and the more add-ons you get for your car insurance policy, the higher your premiums will be.

Most Expensive Postal Codes in Montreal

Montreal, Quebec has an annual average auto insurance premium of $800, which is slightly higher than the Quebec average of $718. The most expensive postal code for car insurance in Montreal is the H4W area, which is the district of Cote Saint-Luc.

Here’s a look at some of the priciest postal codes for car insurance in Montreal, which you can see in the table below:

Postal CodeAverage Annual Car Insurance Premium

Least Expensive Postal Codes in Montreal

The H1B district located in Montreal East has some of the lowest prices for car insurance in Montreal, with an average premium of around $781. Here’s a look at the least expensive postal codes for car insurance in Montreal:

Postal CodeAverage annual car insurance premium

Car Insurance Cost in Montreal by Age

Car insurance rates in Montreal differ depending on your age. Younger drivers typically have higher quotes because they’re less experienced drivers, increasing the risk of collisions or traffic violations. Premiums go down once you reach the age of 21, but they’ll start to go up again when you turn 65. This is because senior drivers have a higher risk of getting into auto accidents.

Here’s a table comparing the average cost of car insurance in Montreal depending on your age:

Age GroupAverage CostAnnual Savings With My Choice

Car Insurance Cost in Montreal by Driving History

Your driving history in Montreal affects your car insurance quotes, because auto insurers look at your record to estimate your driving risk. Simply put, if you have a clean driving record with no demerits, you will get cheaper quotes because insurers consider you a safer driver.

If you have multiple at-fault accidents, demerit points, and claims on your record, auto insurers may deem you a high-risk driver. Because high-risk drivers are considered more likely to get into accidents, they usually have higher premiums. Note that while your demerit points are “reset” from your record after two years, auto insurers still look as far back as 10 years into your record for risk assessment.

Here’s a closer look at how driving violations can affect your car insurance rates based on My Choice’s price quote information:

Driving violationAverage annual car insurance rate
Clean driving record$800
Insurance cancellation due to non-payment$1,312
Licence suspension for alcohol-related offences$960
One accident$1,760
Speeding ticket$1,040

Other Factors That Affect Car Insurance Prices in Montreal

Some of the main considerations that affect your car insurance prices in Montreal have already been listed above. Here are some other factors that may also cause your car insurance premiums to go up or down:

Credit History

While checking credit scores isn’t a common practice for Montreal car insurers, it’s not forbidden by law. Because a poor credit history may indicate a higher risk of late payments or policy cancellations, those with bad credit history may have higher car insurance premiums.

Claims and History in Your Location

Car insurance providers will look at the number of claims in your neighbourhood to assess the likelihood that you’ll file a claim in the future. The more claims that have been filed in recent years, the more expensive car insurance is in your area.

Traffic Conditions

Poor traffic conditions, congested highways, and a lack of road maintenance in your area may also cause your car insurance quotes to be higher.

Incidence of Natural Disasters

Because hailstorms, floods, and other natural events can all damage your vehicle, car insurers will note the frequency of such events as well as severe weather occurrences. The more natural disasters there have been in recent years in your city, the pricier your car insurance quotes will be.

The Best Car Insurance Brokerages in Montreal

It takes a lot of time and money to get quotes and compare policies from different car insurers, especially if you’re unfamiliar with how auto insurance works. Fortunately, a car insurance brokerage can simplify policy shopping for you by getting deals from different insurers.

Car insurance brokerages can compare all available offers from multiple companies for you. They can also answer any questions you may have about car insurance coverage and other related concerns so you can pick the best option for you.

Working with auto insurance brokers will help you find the best policy providers and affordable rates. Here are some recommended Montreal insurance brokerages:

BrokerageAddressPhone number
Clicassure625 rue Jacques-Parizeau, QC, G1R 2G51-855-431-7869
Assurance Simon & Associés8490 Rue St-Hubert, Montréal, QC, H2P 1Z5514 881-8885
Gaudreau Assurances3737 Boul Crémazie E bureau 1001, Montreal, QC, H1Z 2K4514 374-9944

Driving in Montreal

Montreal is the second most-populated city in Canada. Because of its size, location, and the number of road crossings that go through it, Montreal has traffic congestion issues further compounded by commuters entering the city.

Here are some key facts about driving and commuting in Montreal you should know:

  • Major highways in Montreal: A-10 (a.k.a. the Bonaventure Expressway), A-15 (the Decarie Expressway), A-13 (a.k.a. Autoroute Chomedey), and A-40 (a.k.a. The Metropolitan, and part of the Trans-Canada Highway system)
  • Public transit options: La société de transport de Montreal (STM; transit bus and rapid transit services), VIA Rail (trains), Exo (commuter bus and commuter rail), the Montreal Metro (subway), 
  • Ridesharing services: Uber, Lyft, Eva
  • Parking space providers: The City of Montreal, private lots
  • Top tourist attractions: Notre-Dame Basilica of Montreal, Saint Joseph’s Oratory of Mount Royal, Jean Talon Market, The Montreal Museum of Fine Arts, Old Montreal (Vieux-Montréal)
  • Busy intersections: De Maisonneuve and Decarie, Parc Ave. and St-Viateur St., Galeries d’Anjou Blvd. and St-Zotique St., Crémazie Blvd. West and St-Laurent Blvd.
  • Airports: Montréal–Pierre Elliott Trudeau International Airport, Montréal–Mirabel International Airport, Montreal Saint-Hubert Longueuil Airport

Main Mode of Commuting in Montreal

According to the 2021 Census of Population, over half of Montrealeans aged 15 years and over with a usual place of work or no fixed workplace address, drive a car, truck, or van as their main mode of commuting (52.5% from 25% sample data). Nearly a third take public transit (28.4%), while 9.6% walk to their workplace.

Commuting Duration in Montreal

Nearly half of working Montrealeans spend less than 30 minutes commuting to their workplace. 17.9% take under 15 minutes to commute to work, while 35.5% have a daily commute that lasts from 15 to 29 minutes. Only 9% have a commute duration of 60 minutes or more.

Driving Conditions in Montreal

Road conditions and safety are affected by the weather, so factors like average rainfall and snow days impact your Montreal car insurance premiums. Here’s a quick look at the driving conditions in Montreal:

  • Average daily commute time: 27 minutes round trip
  • Average annual rainfall: 864 mm
  • Average annual snowfall: 1120 mm
  • Rainy days per year: 154.5
  • Rainiest month in Montreal: May
  • Driest month in Montreal: September
  • Snow days per year: 74.1
  • Snowfall months in Montreal: January through May, then October through December

Traffic in Montreal

Montreal is the most densely-populated city in Quebec, with a city population of 1,762,949. Because Montreal is located on an island and its bridges are frequently congested, traffic is a constant challenge for Montreal drivers.

Montreal also frequently hosts international events and conferences, notably the F1 Canadian Grand Prix and the largest international comedy festival, Just for Laughs. During these events, traffic conditions get even trickier. Here’s a quick look at key Montreal traffic statistics so you can manage your driving risks.

  • Population: Montreal has 1,762,949 residents within the city limits, and 4,291,732 as its metropolitan population. 
  • City area: Montreal’s urban area spans 431.50 km2.
  • Average commute distance: Most Montrealeans travel 11.8 km to their workplace or school.
  • Time spent in traffic annually: Most Montrealeans spend 164.25 hours every year (or 27 minutes every day) in traffic.
  • Busiest highways: The stretch of Highway 40 between Pie IX Blvd. and Highway 520 in Montreal is one of the city’s busiest highways, and it’s widely considered one of the worst traffic bottlenecks in Canada.

The Most Common Questions About Car Insurance in Montreal

How much is car insurance in Montreal?

The average cost of car insurance in Montreal is $800 annually. Montreal auto insurance is more expensive than the provincial average. Your quotes may be higher or lower depending on a variety of factors like your zip code, vehicle make, and driving history. Talk to your car insurer to find out how you can lower your premiums.

Where has cheaper car insurance, Montreal or Toronto?

Montreal has much cheaper car insurance compared to Toronto. The average cost of auto insurance in Montreal is $800, while car insurance in Toronto has an average price of $1,385 annually. This may be attributed to the hybrid insurance system in Quebec, where public insurance is funded by annual driver’s licence fees and covers no-fault insurance for Quebecers.

What are car insurance rates for Montreal students?

The average car insurance quote for Montreal students ranges from $2,000 to $2,200. Students tend to pay higher car insurance rates because they’re young. Their perceived lack of driving experience makes insurers deem them more likely to get into auto accidents or commit traffic violations, making them riskier to insure.

How do Montreal car insurance rates compare to other cities in Quebec?

Montreal car insurance rates are typically higher compared to other cities in Quebec, and Montreal is consistently cited as one of the most expensive cities in the province for auto insurance. This may be because of its high population density, as a higher population means more congested highways and potentially a higher incidence of auto accidents.

Do I need winter tires in Montreal?

Yes, you need winter tires in Montreal. All motorized road vehicles registered in Montreal and other cities in Quebec are required by law to be equipped with winter tires from December 1 to March 15 every year.


Sample Size

We analyzed over 50,000 auto insurance quotes across Canada.


Average rates were calculated using a standard profile and incident profiles. All personal details pertaining to the quotes and policies have been kept confidential.

Standard Profile

Single driver, one car, currently insured, and a pristine driving record. Our base profile is a 40-year-old individual (both male and female) with a spotless driving record.

Incident Profiles

We examined how rates change by evaluating profiles with a clean record (standard), one at-fault accident, a single speeding ticket, license suspension for alcohol related offenses and insurance cancellation due to non-payment.

Vehicle Details

These individuals own a 2022 Honda Civic, commute five days a week, and cover a distance of 15,000 kilometres annually.

Vehicle Models

Costs were also analyzed for different vehicles: Mazda CX-5, Ford Escape, Toyota Corolla, Honda Accord, Chevrolet Equinox, and the base 2022 Honda Civic.

Age and Homeownership

Profiles from age 18-65 (standard: 40 years) were considered. Depending on age, individuals might rent or own their homes. Age-related regulations may vary across provinces.


MyChoice data science, MyChoice research.


1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Quebec, Montreal, Car Insurance Quotes Collected, 2023.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Quebec, Montreal, Car Insurance Quotes Collected, 2023.

3. Mychoice.ca Internal Data, Rate Cost By Age, Quebec, Montreal, Car Insurance Quotes Collected, 2023.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Quebec, Montreal, Car Insurance Quotes Collected, 2023.

5. City of Montreal Website, Driving & Transit Information. Data Collected, 2023.

6. Statistics Canada, 2021, Census of Population, Quebec, Montreal, Main Mode of Commuting. Data Published March 29, 2023.

7. Statistics Canada, 2021, Census of Population, Quebec, Montreal, Commuting Duration. Data Published March 29, 2023.

8. Weather Network Canada, Historical Averages, Quebec, Montreal.

9. 511 Quebec Traveller Information, Quebec, Montreal.

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