Insurance in Montreal, multiple quotes in 3 minutes.
Our platform queries Canadian insurers and presents the best offers for your profile. Compare coverages, deductibles and prices — in under 3 minutes, no commitment.
Insurance in Montreal — Compare 20+ insurers in 3 minutes
Looking for the best insurance in Montreal? AccesDirect connects residents of Montreal and the Montreal region with a network of partner brokerages and brokers that compare more than 20 insurers for you. One form, multiple quotes, 100% free service and no commitment.
The Montreal insurance market in 2026
Montreal has about 1.8M residents and has specific features that directly influence insurance premiums: high urban density, one of the highest vehicle theft rates in Quebec, and a large share of renters and condos. Concrete result: 2026 premiums typically range between $1,200-1,800 per year for auto insurance and $900-1,400 per year for home insurance, depending on your profile, your driving record, your exact postal code (covering H1 to H4 zones) and your claims history.
These ranges are not to be taken at face value — two neighbours in Montreal can pay very different amounts for the same vehicle or the same home. What makes the difference: your age, your years of driving experience, kilometres driven, the replacement value of the insured property, applicable discounts (multi-product, telematics, professional group) and above all the insurer you choose. That is precisely what a comparator like AccesDirect helps identify quickly.
Our insurance products in Montreal
🚗 Auto insurance
Personal car, SUV, utility vehicle, young driver, second chance, antique vehicle. Partner brokerages cover every profile in Montreal.
🏠 Home insurance
Owner, tenant, condo, secondary home, cottage, vacant home. Protection tailored to your Montreal neighbourhood and its specific risks (fire, theft, water damage).
💼 Business insurance
SMB, self-employed, retail, restaurant, professional. Civil liability, commercial property, cyber, business interruption — brokerages specialized in Montreal.
Other protections available in Montreal
Snowmobile, motorcycle, RV/motorhome, boat, ATV/quad, antique or classic vehicle, life insurance, travel insurance. Whatever the product, the principle stays the same: one form, several compared quotes, response within 24 hours.
Montreal neighbourhoods served
Partner brokerages cover all of Montreal — including the neighbourhoods of Plateau-Mont-Royal, Rosemont, Verdun, Villeray, LaSalle, Hochelaga-Maisonneuve, Ville-Marie, NDG, Ahuntsic — as well as neighbouring cities: Laval, Longueuil, Brossard, Terrebonne. Whatever your postal code, the form directs you to the partner most relevant to your situation.
How it works
- Fill out the form (2-3 minutes) — your contact info, the product, a few details about your situation in Montreal.
- A partner brokerage contacts you within 24 business hours with a quote comparing several insurers.
- You decide — no obligation to buy. If the offer suits you, you accept; otherwise, you decline at no cost.
Insurers compared for Montreal residents
Our partner brokerages have access to the main insurance companies active in Quebec, including Intact Assurance, Aviva, Promutuel, L’Unique, Echelon, Pafco, Wawanesa, Assurancia and several others — over 20 insurers in total. Each has its own criteria and discounts; it is this diversity that makes it possible to find the best price for your profile in Montreal.
Why use AccesDirect in Montreal
- One form, several offers — no need to call 5 insurers.
- Local brokerages that know the Montreal market and its specifics.
- Independent comparator — AccesDirect is not tied to any insurer.
- 100% free — partner brokerages are paid by insurers, not by you.
- No commitment — you are free to decline any offer.
Frequently asked questions — insurance in Montreal
How much does auto insurance cost in Montreal in 2026?
The typical premium ranges between $1,200-1,800 per year, but varies depending on your age, driving record, vehicle and exact postal code (H1 to H4 zones). Two similar profiles can have very different premiums depending on the insurer — hence the value of a comparator.
How much does home insurance cost in Montreal?
Between $900-1,400 per year for a standard property. Main factors: type of dwelling (house, condo, rental), replacement value, distance to a fire station, neighbourhood claims history, deductible chosen.
Is it really free?
Yes, 100%. Partner brokerages and brokers are paid by insurers, not by you. You don’t pay more than buying directly.
Am I required to accept the quote?
No. You are free to decline any offer received, at no cost or penalty. No purchase obligation.
How long does it take to receive a quote?
Most quotes arrive within 24 business hours. For standard auto insurance, several partner brokerages send an initial estimate within a few hours.
Can I change insurer mid-contract?
Yes, at any time. You get back the unused portion of your premium (prorated). Some penalties may apply — a partner brokerage checks this with you before you sign.
What happens if my file was refused elsewhere?
There is a sub-standard market (non-standard market) for profiles refused in the regular market. Some partner brokerages specialize in these files and almost always find a solution.
Ready to compare? Free quote in 3 minutes
Choose the product that concerns you and get several compared quotes at once. Free service, no commitment, response within 24 hours.
Other cities in Quebec
See also: Montreal · Quebec City · Laval · Sherbrooke · Gatineau · Trois-Rivières · Saguenay · Lévis · Drummondville · Longueuil
One single request
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No commitment
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Pan-Canadian network
Auto, home, motorcycle, RV. Licensed partner brokerage firms and brokers across the country.
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