Desjardins Car Insurance Quebec 2026: Rates & Member Discount

Desjardins is Quebec’s #1 insurer.

But is it cheapest outside Quebec in 2026?

A 35-year-old in Montreal pays $98 per month for car insurance.

That is with a clean record + Desjardins member.

Intact quoted $134 per month for the same driver.

TD Insurance quoted $141 per month.

So, Desjardins saves you $36 per month vs Intact.

That is $432 per year.

Get covered for $2M liability + collision.

Desjardins Member Discount 2026

This is why Desjardins wins in Quebec.

If you have Desjardins bank account, credit card, or loan, you get 10% to 20% off.

My example: Desjardins chequing + car insurance.

Base rate $123 per month → $98 per month after member discount = $300 per year saved.

Catch: You must keep Desjardins account active.

Close your Desjardins account? Discount drops at renewal.

No Desjardins account? Rate jumps to $123 per month. So, Intact is cheaper.

2026 Desjardins Insurance Rates by City

We checked quotes for Quebec, 2022 Honda Civic, full coverage.

• 35yo, clean, Desjardins member: $98 per month → Montreal. Intact is $134.
• 28yo, 1 minor ticket: $112 per month → Quebec City. Intact is $121.
• 45yo, home bundle: $168 per month total → Laval. TD is $201.
• 22yo, new driver: $201 per month → Montreal, liability only. Belairdirect is $189.

So, Desjardins wins for Quebec drivers with clean records.

Desjardins loses outside Quebec.

Belairdirect wins for young drivers in Quebec.

Why Desjardins Insurance Is #1 in Quebec

1. Member Discount: Yes

10% off for chequing. 15% off for mortgage. 20% off for VIP members.

So, Desjardins mortgage clients save $480 per year.

2. Ajusto App: Yes

Telematics app scores braking, speed, distance.

Score 80+ = 25% discount at renewal.

So, a 35yo saves $294 per year.

3. French Service: Yes

100% French agents in Quebec. Claims app in French.

So, Quebec drivers get faster service than TD or Intact.

Who Should Skip Desjardins Insurance

1. Outside Quebec: No

Desjardins rates in Ontario are 15-22% higher than Intact.

So, check Intact Insurance Review Ontario 2026 first.

2. No Desjardins account: No

Base rates are higher than Intact without member discount.

So, open a free Desjardins chequing or go with Intact.

3. High-risk drivers: No

2 tickets = decline. Intact takes 2 minor tickets.

So, read Intact Insurance Review Ontario 2026.

Desjardins vs Intact vs TD 2026

We compared 3 insurers for a 35-year-old in Montreal, Desjardins member:

• Desjardins: $98 per month → Best for Quebec + Desjardins members
• Intact: $134 per month → Best for 1 ticket
• TD Insurance: $141 per month → Best for alumni groups

So, Desjardins wins in Quebec by $432/year.

Intact wins if you have tickets.

TD wins if you have alumni discount outside Quebec.

How to Get Desjardins Insurance Quote 2026

1. Go to desjardins.com

2. Click “Get a Quote” > Auto

3. Log in with AccèsD for auto-fill. Takes 3 min.

4. Add Desjardins account for 10-20% discount.

5. If approved, policy starts next day. Pink slip emailed in 8 min.

Final Verdict – Is Desjardins Insurance Worth It in 2026?

Buy Desjardins if: You live in Quebec, bank with Desjardins, have Desjardins mortgage, clean driving record, and want French service. The member discount + Ajusto make Desjardins cheapest in Quebec.

Skip Desjardins if: You live outside Quebec, don’t bank with Desjardins, or have 2+ tickets. Go with Intact or TD.

My 2026 cost: $98 car + $78 home = $176 per month. Minus 10% bundle + 20% member = $141 per month effective. That beat Intact by $36 per month in Quebec.

Get quotes from Desjardins, Intact, and Belairdirect. If you live in Quebec and bank with Desjardins, Desjardins wins 85% of the time.

Related: Intact Insurance Review 2026 | TD Insurance Canada 2026 | Co-operators Insurance 2026