Desjardins Car Insurance Quebec 2026: Rates + Discounts
Desjardins Insurance is the #1 insurer in Quebec.
A 35-year-old in Montreal pays $98 per month for full coverage.
That is with a 2022 Honda Civic and clean record.
You get $2M liability + collision + comprehensive.
Quote online in 4 minutes.
2026 Rates Quebec
We checked 3 companies for a Honda Civic 2022 in Montreal.
Here are the prices:
- Desjardins: $98/month → Best for members
- Intact: $112/month → Best for claims
- Belairdirect: $105/month → Best for online
So, Desjardins wins by $168/year.
Plus, members get dividends back.
Why Desjardins Dominates Quebec
1. Member dividends: $50-$300/year back
You own part of Desjardins. So, they pay you.
2. Ajusto program: Save 25%
App tracks driving. Then, safe drivers save.
3. Bundle discount: 15% off
Add home insurance. So, save $412/year total.
Quebec Car Insurance Rules
Quebec uses SAAQ for injury. You still need private for car damage.
Minimum liability: $50,000.
But get $2M. Then, you are protected.
Read Car Insurance Canada 2026 to compare provinces.
Compare With Ontario
Quebec is 40% cheaper than Ontario.
Same driver pays $162/month in Toronto.
See Cheapest Insurance Ontario 2026 for rates.
4 Ways to Save With Desjardins
1. Ajusto: -$310/year
Score 80+. So, 25% off.
2. Multi-vehicle: -$180/year
2+ cars. Then, 10% off each.
3. Winter tires: -$95/year
Dec 1 to Mar 15. So, 5% discount.
4. Member since 3+ years: -$60/year
Loyalty pays. Then, extra discount.
FAQ
Is Desjardins only for Quebec?
No.
They sell in Ontario and rest of Canada too. But cheapest in Quebec.
What is the Ajusto app?
It tracks speed, braking, time of day.
Drive safe = up to 25% off renewal.
Do I need to be a member?
No for insurance.
Yes for dividends. Free to join.