Protect Your Ride with the Best Car Insurance in Montreal
Tired of insurance companies treating you like a number? Don’t worry. Montreal has a decent selection of reliable car insurance companies that can understand your unique needs and offer personalized services.
We thoroughly reviewed top-rated insurers in the city to see which ones consistently provide exceptional coverage and support. We’re talking about companies that you can trust to have your back (and your bumper) in any situation, from a fender bender to a major accident.
Want to know who made the cut? Here are the best companies when it comes to car insurance in Montreal.
How much does car insurance cost in Montreal? Car insurance in Montreal costs $65 per month or $700 per year. However, the final cost may change depending on the driver’s age, the type of vehicle, and coverage options. |
How we chose
1. Belairdirect Assurance
Location: 7101 Rue Jean-Talon E, Anjou, QC H1M 3T6, Canada
Contact: +1 833-447-2449
Operating hours:
- Monday to Friday – 8:00 AM to 8:00 PM
- Saturday – 8:00 AM to 5:00 PM
When it comes to finding reliable auto insurance, Belairdirect Assurance made our list for all the right reasons. They offer a wide range of coverage options, including liability, collision, and comprehensive coverage.
One feature we particularly love is their Replacement Insurance – it’s a true lifesaver if your new car gets totalled.
What really sets Belairdirect apart is its automerit® program. It personalises your premium based on your driving habits, rewarding safe drivers with potentially lower rates. The customers we talked to praised this program for incentivising safe driving and saving them money.
In terms of savings, Belairdirect is hard to beat. Bundling your car and home insurance gets you a 15% discount, and multi-vehicle households can enjoy up to a 10% discount.
If you’re driving an electric or hybrid vehicle, you can save up to 20% on your premiums. Young drivers haven’t been left out either, with the Mobiliz™ program offering a 25% discount for maintaining a safe driving record.
We’re also big fans of their mobile app and website’s Client Centre. Managing your policy, accessing proof of insurance, and filing or tracking claims 24/7 has never been easier with them.
Pros
- Wide range of coverage options
- Young driver discounts
- Eco-friendly discounts
- Discount programs
- Customisation
- 24/7 support
Cons
- A few reports of slow claims processing
Provides detailed explanations of all car insurance options
“My wife and I got Jazz when we talked to insure our new car for the first time. She was so amazing and helpful the entire time. She took her time to explain everything to us and all the options we had to best insure our car. Jazz helped us with insuring our apartment at the same time. She was so kind the entire time and made us laugh a bunch while staying professional but still friendly. Anyone who calls I wish that you get the privilege of being served by her. Thank you so much for everything!”
Emily Ambroise, Google Review
Offers the best quotes compared to the market
“Belairdirect has been my insurer of choice for several years already. I always conduct market research, and I don’t think you can find a better quote anywhere else. The app and website are very easy to use, and phone requests are always handled efficiently: there is no waiting time on the call, and the resolution is fast. I also like their Automerit app; it is very precise and encourages you to adopt safe driving habits. The discount you receive if you succeed is also a nice bonus.”
Alex, Google Review
2. YouSet
Location: 4 Pl. Ville-Marie #300, Montréal, QC H3B 2E7, Canada
Contact: +1 514-613-6267
Operating hours:
- Monday to Friday – 9:00 AM to 6:00 PM
One of the things we loved about YouSet is how they’ve simplified the whole insurance shopping process. We’re talking quotes from multiple insurers in under four minutes! No more endless phone calls or confusing paperwork.
Their online platform is super user-friendly. You can do everything from getting a quote to buying a policy without ever leaving your couch. And for those who prefer a little human interaction, their customer support team is top-notch.
They even throw in a free 30-minute consultation with a lawyer if you need help with a claim – that’s honestly pretty awesome.
We also really love YouSet’s affordability. Customers we talked to mentioned saving an average of 29% on their premiums thanks to YouSet’s exclusive rates and personalised discounts. And if you bundle your home and car insurance policies, you can save up to 15% more.
We also have to give it to them for their clever referral program. Users can earn a $50 Amazon gift card for each referral, which is a nice little perk for spreading the word about their excellent services.
Pros
- Free 30-minute consultation with a lawyer
- User-friendly online platform
- Quotes in less than 4 minutes
- Referral program
- Cost savings
Cons
- A few reports of poor customer service
Provides an easy-to-use website for quick setup
“I can’t express acurately just how impressed I am with this company. Other companies will say they make insurance easy, but that was not my experience today, I had already had a frustrating experience calling and trying to find my way through a slew of other companies’ websites. None of them were user friendly, and none of them had customer service representatives that seemed to care. Then I found YouSet. The name says it all, after 5 minutes on their easy to use website, everything was taken care of! I wish I had started with them, it would have saved me literally hours of headaches. If you visit this website for insurance….YouSet!”
Lisa Repac, Google Review
Maintains their offer even after initial refusal
“They are very unique, I refused there offer at first, hoping to find cheaper policy, so I went browsing online through many brokers but no one could beat their offer, so I decided to accept their previous offer hoping it’s not too late, I texted them back after 3 or 4 days asking if there offer still stands, I was surprised that it does!! On top of that they proved me wrong, they insured my car for the same offer with a big welcome.”
Nasser Bond, Google Review
3. Fort Assurances & Avantages sociaux
Location: 4 Westmount Sq #200, Westmount, Quebec H3Z 2S6, Canada
Contact: +1 514-481-0481
Operating hours:
- Monday to Thursday – 8:30 AM to 5:00 PM
- Friday – 8:30 AM to 3:30 PM
We just had to put Fort Assurances & Avantages sociaux on your radar. We’ve been hearing buzz around town, so we decided to check them out ourselves.
We love that they’re a local company with a strong presence in Westmount, St-Michel, and Quebec City. Talking to some of their employees, you can really sense their passion for helping people find the right insurance.
What really stood out to us, though, is their massive network of over 50 insurance partners. That means they’re not tied to any one provider, so they can shop around and get you the absolute best rates. And let’s face it, who doesn’t love saving money?
We spent some time on their website too, and it’s super user-friendly. You can get quotes, file claims, and even buy insurance right there on the spot. No more endless phone calls or confusing paperwork!
We also have to highlight their recent merger with Gaudreau Assurances. This has only strengthened their market position, enhancing their service offerings and expertise.
Pros
- 220 Employees across multiple locations
- Wide range of insurance products
- User-friendly online services
- Market position strengthened by merger
- 50 insurance partners
Cons
- A few reports of agents not answering calls
Provides knowledgeable and responsive service
“I initially worked with Emmanuel Alexandre-Aimé for my car insurance and the process was smooth and stress-free, so I decided to reach out to him again when I needed rental condo insurance. He was knowledgeable, and responsive, and went above and beyond to ensure I had the perfect coverage to meet my requirements. I highly recommend him for all your insurance needs!”
Katia Narbut, Google Review
Stands out in a diminishing customer service landscape
“I seldom leave reviews, but I feel compelled to express my appreciation for the exceptional service provided by broker Emmanuel Alexandre-Aimé. Mr. Alexandre-Aimé assisted me in obtaining car insurance and addressing a lapse in my apartment insurance, a situation I had neglected due to budget considerations. Emmanuel demonstrated a high level of professionalism throughout the process. Not only did he efficiently secure me a comprehensive apartment insurance policy with Fort Assurances , but he also went above and beyond to ensure I obtained the most competitive rates from a reputable insurance company. His patience and commitment to delivering outstanding customer service were evident, especially in a business landscape where such qualities are increasingly rare. In an era where customer service seems to be diminishing, Emmanuel’s expertise and dedication stood out. I am grateful for his assistance and would confidently recommend Emmanuel Alexandre-Aimé to my close friends and family.”
Judy Bridgemohan, Google Review
4. La Capitale assurance et services financiers
Location: 425 Blvd. De Maisonneuve Ouest bureau 500, Montréal, Québec H3A 3G5, Canada
Contact: +1 514-788-3164
Operating hours:
- Monday to Friday – 9:00 AM to 4:00 PM
La Capitale Assurance et Services Financiers made our list for their impressive range of coverage options and customer-friendly policies.
We love how they cover everything from civil liability and property damage to borrowed or short-term rented car coverage. They even provide a replacement vehicle at no extra cost if your car needs repairs after an accident.
One thing that really stood out to us is their decreasing deductible policy. Imagine getting rewarded for claim-free years with a $50 reduction in your deductible at each renewal.
Customers also raved about the variety of discounts and special deals. For instance, electric or hybrid vehicle owners get reduced rates. You can also add affordable roadside assistance for just $3 per month, which covers you anywhere in Canada and the United States.
Legal assistance is also included at no extra cost with their comprehensive car insurance and home insurance packages, providing access to legal advice whenever you need it.
Another thing worth highlighting about them is their flexibility. They offer options like claim forgiveness, which prevents your premiums from skyrocketing after one or two claims.
Pros
- Replacement vehicle at no extra cost
- Comprehensive coverage options
- Decreasing deductible policy
- Wide range of discounts
- Legal assistance included
- Claim forgiveness
Cons
- A few reports of unresponsive agents
Asks reasonable questions and settles claims quickly
“Had them for many years for car insurance. Had claims of one theft and one accident and always went smooth. There are questions but they are reasonable and they settle fast. No polygraph and truth serums or infinite interrogations. Plus prices are cheaper than elsewhere and are negotiable. Peace of mind. I Love it. Good job guys continue.”
Eyal Simo, Google Review
Delivers fair and well-served claims
“With them for a decade. Made quite some claims, all fair and we’ll serve. Great representative, great essential services. Cool people to work with.”
Fei Fang, Google Review
5. Allstate Assurance: Montreal Centre Agency
Location: 4875 Ave Van Horne, Montreal, Quebec H3W 1J2, Canada
Contact: +1 438-795-4476
Operating hours:
- Monday to Friday – 9:00 AM to 5:00 PM
Allstate Assurance: Montreal Centre Agency really made an impression on us with its comprehensive insurance offerings. They provide coverage for everything from liability and collision to comprehensive insurance, ensuring you’re protected against a wide variety of risks.
One feature that stood out during our visit was their accident forgiveness policy. Imagine not having your premiums skyrocket after an accident—definitely a plus in our book.
We also found their Milewise pay-per-mile program to be particularly cost-effective for those who don’t drive as often. It’s a smart way to save if you’re not racking up the miles.
Many of the customers we talked to also appreciated the multilingual support. Some of Allstate’s agents are fluent in English, French, Spanish, and more. This ensures clear communication and a personalised touch, no matter your language preference.
We also really love that they offer 24/7 claims support. It gives customers the peace of mind that they’re never left stranded in an emergency.
However, we’re just a bit concerned about the average annual cost for full coverage. Theirs cost around $2,665, which is higher than the national average.
Pros
- Comprehensive coverage
- Milewise pay-per-mile program
- User-friendly online services
- Multilingual support
- Accident forgiveness
- 24/7 claims support
Cons
- Higher cost
Makes the insurance process effortless and fun
“From the moment I walked into the agency, David was super friendly, approachable, and ready to help. He made the whole process feel so effortless, taking the time to explain all the options and answer my questions. It’s rare to find someone who can make insurance feel fun, but David definitely pulled it off! Overall, my experience at Allstate Assurance: Montreal Centre Agency was top-notch. I can’t recommend David Fostokjian enough – if you’re looking for an insurance advisor who knows his stuff and genuinely cares about his clients, he’s your guy!!”
Jonas Kahnwald, Google Review
Takes the time to explain and listen
“I just bought a new car and I did my insurance with Peter Asswad and he was amazing to talk with. He took the time to explain and listen, and did everything I asked. Never met an agent like him, he’s one of the best> Amazing experience! Recommend it!”
Shinthu S, Google Review