Compare car insurance quotes in Sherbrooke for free. Find your best price in minutes.

Thanks to data we’ve gathered from drivers who've used LowestRates.ca, we know that car insurance prices in Sherbrooke are about 74% higher than the Quebec average, which is $717 for an annual premium, according to the Insurance Bureau of Canada.

The average isn't a great indicator of what your insurance will cost. First, there are so many other factors that determine the cost of insurance, such as your driving record, how often you use your car, and your claim history (to name a few). Second, it's just an average, taking the premiums of a wide swath of drivers into account. 

The only way to know for sure is to compare quotes from multiple insurance companies serving Sherbrooke.

When we compare the average annual cost of automobile insurance in Sherbrooke with that of other nearby cities, we see that rates vary from place to place. For instance, the average quote received by residents in Magog showed that annual premiums are 125% higher on average. Meanwhile, in the towns of Granby and Asbestos, costs are about 22% and 35% cheaper, respectively.

Keep in mind, though, this is just one of many points of consideration when it comes to the price of an auto insurance policy in Sherbrooke. You won’t know what the specific insurance cost for your vehicle might be until you search and compare quotes.

The private vehicle insurance market in Quebec is very competitive. This is a great situation for consumers because healthy competition means there’s a broad range of insurance options to compare and choose from –– and also that there’s no single insurance company that stands out for offering the cheapest auto insurance to all Sherbrooke drivers.

Plus, there are so many other elements that impact the cost of a premium, which is calculated on a case-by-case basis.

To find the cheapest available rates for your vehicle and profile (age, driving record, where you live, etc.), your best option is to find and review quotes via LowestRates.ca.

Your home address is one determinant of your auto insurance quote, as a Sherbrooke-based driver. But car insurance brokers (for Sherbrooke and elsewhere in Canada) base their rates on multiple factors related to an individual’s personal circumstances, including:

• Age
• Gender
• Driving record
• Type of vehicle
• Where you use your car
• What you use your car for

This might seem like a daunting list of features to be judged by. But no matter your personal scenario –– whether you are a new driver, a daily commuter, or a senior looking for car insurance in Sherbrooke –– we can find an option that works for you by comparing quotes on LowestRates.ca.

As a student or new driver looking for cheap car insurance in Sherbrooke, one thing that will almost certainly affect your rates is age. Drivers under the age of 25 are often charged more for insurance, and prices are especially high if you’re male, rather than female. The reason? Many insurers are concerned that new and/or young drivers are a liability.

However, completion of a driving school certificate program might lower the cost of car insurance for newer drivers from the Sherbrooke region.

Review insurance quotes now on LowestRates.ca.

As a newcomer to Canada, all of the same standard personal details that inform car insurance costs in Sherbrooke for other drivers, apply to you. They include age, driving record, where you live, and your past driving experience.

Speaking of experience, a driver’s licence is necessary to be eligible for vehicle insurance. If you have recently arrived in the country, you may be able to use a (valid) driver’s licence from your previous home to apply for and access insurance. Eventually,  you will need to acquire a driver's licence from Quebec.

If you’ve got your licence handy now, search LowestRates.ca for competitive auto insurance quotes.

If you are considered high-risk, insurance premiums will cost you more than other drivers. That said, a company offering auto insurance to Sherbrooke-based high-risk drivers will be looking for indicators that you can lower your risk profile in other ways.

For instance, if you are a young driver without a lot of experience to back you up, you could look into the possibility of being placed on your parents' car insurance policy, most likely as an occasional driver.

Or, you could choose to take on an increased deductible. This means, if you are in any way at fault for a collision, resulting in a claim, you will have to pay more out of pocket to cover the cost of the accident.

Having several traffic convictions will also put you in the high-risk category. If you’ve ever had your licence revoked, you are pushed further into the high-risk category.

It’s hard to find cheap auto insurance rates as a high-risk driver. There are, however, insurance companies that cater to high-risk drivers. Failing that option, you can purchase facility insurance, which is a pool that is funded by Canadian insurance companies to offer coverage to high-risk drivers.

Ultimately, you can’t negotiate solutions that minimize risk until you find out what rates are available. Search LowestRates.ca today.

If you understand the factors that increase insurance premiums, then you may be able to make strategic decisions that help lower rates.

If you have an older car, for example, you could opt-out of collision coverage. Or if you own a vehicle that is a popular make and model (and is potentially a greater target for theft), you could install anti-theft security. You could also talk to your broker about a discount if multiple insurance services are bundled.

Before you can reach a bargaining point, though, you need to review your quote options.

LowestRates.ca is a speedy calculator of car insurance rates in Sherbrooke –– try it today.