Cost for passenger vehicles
The average premium was $1,067 in 2025.
The average premium per guarantee in 2025 is as follows:
- Civil liability: $473
- Collision: $429
- Comprehensive (accident without collision or upset): $262
It is the collision cover that has seen the most significant increase.
As a reminder, the premiums indicated on this page relate to insurance for property damages only.
Source: GROUPEMENT DES ASSUREURS AUTOMOBILES, Automobile Statistical Plan, General Results, Passenger Automobiles, 2025
Average premium in Canada
The average auto insurance premium in Quebec remains one of the lowest in the country in 2024
Combining the cost of private property damage insurance ($1006) and the cost of public insurance ($66) for bodily injury, the average premium in Quebec remains one of the lowest in the country.
GROUPEMENT DES ASSUREURS AUTOMOBILES, Automobile Statistical Plan, General Results, Passenger Automobiles, 2024; Agency General Insurance Statistics, Actual loss ratio exhibit, Private passenger automobile excluding farmers, 2024