When trying to reduce car-related expenses, most people think about the purchase price or fuel efficiency of the vehicle. However, one important factor is often overlooked: auto insurance costs. Some cars are significantly cheaper to insure than others, which can mean saving hundreds of dollars each year. That’s why the average insurance cost should always be considered when buying a new vehicle. 

At ClickInsurance, we analyzed data from over 10,000 recent car insurance quotes that led to a policy purchase to identify the most affordable models to insure in Quebec. Here’s the top 10 list of the cheapest cars to insure in the province. 

Ranking of the Cheapest Cars to Insure 

Why Are These Models Cheaper to Insure?

A quick glance at this list reveals several common traits shared by the most affordable vehicles to insure. They are mostly small compact or subcompact cars, primarily designed for urban and family driving. These vehicles typically feature modest engine power, which discourages risky driving behaviors—something insurance providers appreciate. 

They also perform well in terms of active and passive safety features. Their reliable and proven designs help reduce the severity of damage in the event of an accident. In addition, repair costs tend to be lower thanks to widespread parts availability and simple, well-known mechanics. 

Another important factor: these cars are rarely targeted by thieves, which further reduces their perceived risk for insurers. Lastly, these models are often chosen by careful drivers, such as young families or experienced motorists seeking a practical and economical vehicle—another reason why they tend to show fewer claims statistically. 

In short, the combination of reliability, safety, simple mechanics, and low replacement value makes these vehicles a great choice from an insurance standpoint. 

Your Car Model Will Impact Your Insurance Premium

Choosing a vehicle known for its low insurance cost can significantly lower your overall auto budget. However, every driver is different, and many other factors also influence your insurance premium, such as: 

• Your age and driving experience
• Your driving record
• Your claims history
• Where you live
• Your annual mileage
• Whether or not your car has an anti-theft system
• And more

For example, even though the Toyota Yaris tops our list with an average premium of $568 per year, a driver with multiple recent claims or a criminal record could end up paying much more. The vehicle model matters, but your personal profile plays a key role in determining your rate. 

Compare Quotes and Save with ClicInsurance

To find out how much you could pay based on your specific profile and vehicle, compare quotes with ClicInsurance. In just a few clicks, you’ll receive personalized insurance offers from multiple Quebec insurers. 

👉 Get your car insurance quote now at ClicAssure.com