Desjardins Insurance Quebec 2026: Cheapest in Quebec Review
Updated Oct 1, 2026 | Sources: Desjardins, SAAQ
Desjardins General Insurance is Quebec’s largest auto insurer with 32% market share. Average Quebec rate: $98/month ($1,176/year) in Montreal – 38% cheaper than Ontario average of $145. For Ontario rates, see Ontario 2026 guide.
Why Quebec Is Cheaper Than Ontario
Quebec uses public auto injury insurance via SAAQ (Société de l’assurance automobile du Québec). Private insurers only cover property damage, not bodily injury. This saves ~$600/year vs Ontario’s private system. Details: Wikipedia SAAQ.
Desjardins Rates Quebec 2026
| City | Monthly | Annual | vs Ontario |
|---|---|---|---|
| Montreal | $98 | $1,176 | -$568 |
| Quebec City | $89 | $1,068 | -$676 |
| Gatineau | $94 | $1,128 | -$616 |
| Laval | $102 | $1,224 | -$520 |
Desjardins Member Discount: 10-20% Off
Desjardins caisse members get automatic discount: 10% for 1 product, 15% for 2, 20% for 3+ (banking + insurance + investments). With 20% off, Montreal rate drops to $78/month.
Ajusto Telematics: Up to 25% Off
Desjardins Ajusto app offers 25% discount for safe driving – highest in Quebec. Average user saves $294/year. Unlike Ontario programs, no penalties for hard braking.
Desjardins vs Competitors Quebec
vs Intact: Intact Quebec $134/month – Desjardins $36/month cheaper.
vs TD: TD Quebec $112/month – Desjardins $14 cheaper, plus member discount.
vs Beneva: Beneva $107/month – Desjardins $9 cheaper.
Is Desjardins Available in Ontario?
No. Desjardins only sells auto insurance in Quebec. Ontario residents cannot buy Desjardins auto. For Ontario cheapest, see PC Insurance $142.
Final Verdict Quebec
Desjardins is cheapest for 78% of Quebec drivers thanks to member discounts and Ajusto. If you’re Desjardins member, it’s unbeatable at $78-98/month.