KBD is an independent car insurance broker serving drivers in Montreal and across Quebec. We help Montrealers compare car insurance quotes to find coverage that fits their needs and budget. Get a quick online quote or speak with a licensed Quebec insurance expert today.
Get your online car insurance quote in Montreal
With 40+ years of industry experience, KBD helps Montreal drivers find reliable auto insurance at the best price possible.
Our seamless process makes it easy to compare options from multiple leading insurers to find car insurance that fits your needs.
Compare prices among top insurers
Car insurance coverage we offer to Montreal drivers:
Collision
Subject to a deductible, collision car insurance covers damage to your vehicle in the event of an at-fault accident.
Comprehensive
Also known as fire, theft, vandalism, and glass breakage coverage, comprehensive insurance is subject to a deductible.
Liability
Civil liability insurance covers damage or injuries you cause to third parties or their property in an accident.
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Speak to your Montreal broker & get a quick auto insurance quote today
Car insurance in Montreal: Your questions answered
How much is car insurance in Montreal?
The average cost of car insurance in Quebec is around $1,045 as of 2026.
However, premiums are usually higher in the city of Montreal as there are more drivers, more traffic, and a higher chance of accidents and theft.
That said, your personal Montreal car insurance costs depend on several factors, including:
- Your age and driving experience
- Your driving and claims history
- Your vehicle’s make, model, and value
- Your Montreal postal code
- The coverage and deductibles you choose
Because every driver is different, the fastest way to know your real price is to get a Montreal car insurance quote and compare options.
We can help with that.
What coverage do I actually need for auto insurance in Montreal?
In Quebec, auto insurance works a little differently than in most other provinces.
Bodily injury from car accidents is covered by the public insurance plan managed by the Société de l’assurance automobile du Québec (SAAQ). This means you do not purchase bodily injury coverage from a private insurer.
However, all drivers must also carry private auto insurance, which covers damage and liability.
Required coverage in Quebec
- Civil liability insurance
The law requires at least $50,000 in civil liability coverage. This protects you if you cause damage to another person’s property or injuries outside Quebec.
- Direct Compensation Property Damage (DCPD)
This coverage pays for damage to your vehicle when another driver is at fault.
Optional coverages many Montreal drivers choose
- Higher liability limits ($1M–$2M) for stronger financial protection
- Collision coverage for damage to your vehicle after an at-fault accident
- Comprehensive coverage for theft, vandalism, fire, weather damage, or glass damage
- Rental car or roadside assistance coverage
Choosing the right insurance depends on your vehicle, budget, and risk tolerance.
At KBD Insurance, we can help you compare options and find the best car insurance in Montreal tailored to your needs.
How can I get cheap car insurance in Montreal?
If you’re searching for cheap car insurance in Montreal, the key is to find the best price and the right coverage – not just the lowest premium.
Here are a few proven ways to lower your rate:
- Compare multiple insurers to find the cheapest car insurance options available
- Bundle your auto and home insurance for multi-policy discounts
- Increase your deductible to lower your monthly premium
- Maintain a clean driving record by avoiding tickets and accidents
- Use telematics programs that reward safe driving habits
Because every insurer prices risk differently, shopping around for quotes with different companies is a great way to find the cheapest car insurance in Montreal for your situation.
Need a quote? We’ll do the shopping for you.
How do I get a Montreal car insurance quote online?
Getting a Montreal car insurance quote online only takes a few minutes, and most drivers already have everything they need.
When getting a quote with KBD, we’ll ask you for things like:
- Your personal details (your name, date of birth, and address)
- Driver’s license information
- Vehicle details (make, model, year, VIN)
- Driving and insurance history
- How the vehicle is used (commuting, mileage, parking location)
Don’t have every detail handy? You can still start your Montreal auto insurance quote and update the information later.
How much is car insurance in Montreal?
The average cost of car insurance in Quebec is around $1,045 as of 2026.
However, premiums are usually higher in the city of Montreal as there are more drivers, more traffic, and a higher chance of accidents and theft.
That said, your personal Montreal car insurance costs depend on several factors, including:
- Your age and driving experience
- Your driving and claims history
- Your vehicle’s make, model, and value
- Your Montreal postal code
- The coverage and deductibles you choose
Because every driver is different, the fastest way to know your real price is to get a Montreal car insurance quote and compare options.
We can help with that.
How can I get cheap car insurance in Montreal?
If you’re searching for cheap car insurance in Montreal, the key is to find the best price and the right coverage – not just the lowest premium.
Here are a few proven ways to lower your rate:
- Compare multiple insurers to find the cheapest car insurance options available
- Bundle your auto and home insurance for multi-policy discounts
- Increase your deductible to lower your monthly premium
- Maintain a clean driving record by avoiding tickets and accidents
- Use telematics programs that reward safe driving habits
Because every insurer prices risk differently, shopping around for quotes with different companies is a great way to find the cheapest car insurance in Montreal for your situation.
Need a quote? We’ll do the shopping for you.
What coverage do I actually need for auto insurance in Montreal?
In Quebec, auto insurance works a little differently than in most other provinces.
Bodily injury from car accidents is covered by the public insurance plan managed by the Société de l’assurance automobile du Québec (SAAQ). This means you do not purchase bodily injury coverage from a private insurer.
However, all drivers must also carry private auto insurance, which covers damage and liability.
Required coverage in Quebec
- Civil liability insurance
The law requires at least $50,000 in civil liability coverage. This protects you if you cause damage to another person’s property or injuries outside Quebec.
- Direct Compensation Property Damage (DCPD)
This coverage pays for damage to your vehicle when another driver is at fault.
Optional coverages many Montreal drivers choose
- Higher liability limits ($1M–$2M) for stronger financial protection
- Collision coverage for damage to your vehicle after an at-fault accident
- Comprehensive coverage for theft, vandalism, fire, weather damage, or glass damage
- Rental car or roadside assistance coverage
Choosing the right insurance depends on your vehicle, budget, and risk tolerance.
At KBD Insurance, we can help you compare options and find the best car insurance in Montreal tailored to your needs.
How do I get a Montreal car insurance quote online?
Getting a Montreal car insurance quote online only takes a few minutes, and most drivers already have everything they need.
When getting a quote with KBD, we’ll ask you for things like:
- Your personal details (your name, date of birth, and address)
- Driver’s license information
- Vehicle details (make, model, year, VIN)
- Driving and insurance history
- How the vehicle is used (commuting, mileage, parking location)
Don’t have every detail handy? You can still start your Montreal auto insurance quote and update the information later.