Gatineau is a city located in western Quebec, Canada. It is situated on the northern bank of the Ottawa River, directly across from the city of Ottawa, Ontario. Gatineau is the fourth-largest city in Quebec and the 18th largest in Canada, with a population of over 285,000 people as of the 2021 census.
Gatineau is known for its beautiful natural scenery, including the Gatineau Park, a large park that covers over 361 square kilometers and offers hiking trails, campsites, beaches, and winter sports facilities. The city is also home to several museums, including the Canadian Museum of History, the Canadian Museum of Nature, and the Canada Aviation and Space Museum.
In terms of its economy, Gatineau has a diverse range of industries, including high-tech, aerospace, defense, and government services. The city is home to several government agencies and is considered a hub for the federal government’s operations in the National Capital Region.
Is car insurance cheaper in Gatineau versus Toronto?
In general, car insurance rates in Quebec tend to be lower than in Ontario.
According to recent data from the Insurance Bureau of Canada, the average annual auto insurance premium in Quebec was $717 in 2020, compared to $1,616 in Ontario. This suggests that car insurance in Gatineau, which is located in Quebec, may be cheaper than in Toronto, which is located in Ontario.
Let’s say we have a 30-year-old driver with a clean driving record who owns a 2019 Honda Civic. They are looking for basic coverage, including liability insurance, collision coverage, and comprehensive coverage with a $500 deductible.
Based on data from online car insurance quote comparisons, the estimated annual premium for this driver in Gatineau could be around $700-$900, while the estimated annual premium for the same driver in Toronto could be around $1,500-$1,800.
Calculating and comparing Gatineau car insurance quotes
To calculate and compare car insurance quotes in Gatineau, there are a few steps you can follow:
- Determine the coverage you need: Consider the level of coverage you want, such as liability, collision, and comprehensive coverage. You should also think about any additional coverage options you may need, such as roadside assistance or rental car coverage.
- Gather information about your vehicle: You will need to provide details about your vehicle, such as the make, model, year, and vehicle identification number (VIN).
- Gather information about yourself: You will also need to provide information about yourself, such as your age, gender, driving history, and where you live.
- Shop around for quotes: You can get car insurance quotes from various insurance providers either by contacting them directly or by using online quote comparison tools.
- Compare the quotes: Once you have gathered quotes from different providers, compare the coverage options and rates to determine which one offers the best value for your needs.
What’s the average cost of car insurance in Gatineau per month and per year?
According to recent data from the Insurance Bureau of Canada, the average annual auto insurance premium in Quebec was $717 in 2020.
Assuming this average applies to Gatineau as well, the average cost of car insurance in Gatineau per month would be approximately $60 (717/12 months), while the average cost per year would be around $717.
Here is a table showing hypothetical examples of average annual car insurance costs for different driver profiles and vehicle types in Gatineau, along with the corresponding monthly cost based on dividing the annual premium by 12:
| Driver Profile | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| 25-year-old male | 2019 Toyota Corolla | $700 | $58.33 |
| 40-year-old female | 2020 Honda Civic | $600 | $50.00 |
| 60-year-old male | 2018 Subaru Outback | $550 | $45.83 |
| 35-year-old male | 2017 BMW 3 Series | $900 | $75.00 |
| 45-year-old female | 2016 Mazda CX-5 | $700 | $58.33 |
Average annual car insurance costs for different driver profiles in Gatineau
Here is a table showing hypothetical examples of average annual car insurance costs for different driver profiles in Gatineau, along with the corresponding monthly cost based on dividing the annual premium by 12:
| Driver Profile | Annual Cost | Monthly Cost |
|---|---|---|
| New Driver | $1,800 | $150.00 |
| Secondary Driver | $1,200 | $100.00 |
| G1 Driver | $2,500 | $208.33 |
| G2 Driver | $1,800 | $150.00 |
| Full G | $1,000 | $83.33 |
| Teenage Driver | $3,500 | $291.67 |
| Young Driver | $2,500 | $208.33 |
| High-risk Driver | $4,000 | $333.33 |
| 17 Years Old | $3,500 | $291.67 |
| Seniors (Over 55) | $800 | $66.67 |
| Students | $2,000 | $166.67 |
| International Driver | $2,500 | $208.33 |
| Newcomers | $1,800 | $150.00 |
| Male Driver | $1,500 | $125.00 |
| Female Driver | $1,300 | $108.33 |
| Married Couples | $1,000 | $83.33 |
| Usage-Based | $1,500 | $125.00 |
| Uber | $3,000 | $250.00 |
Average annual car insurance costs for different types of cars in Gatineau
Here is a table showing hypothetical examples of average annual car insurance costs for different types of cars in Gatineau, along with the corresponding monthly cost based on dividing the annual premium by 12:
| Car Type | Annual Cost | Monthly Cost |
|---|---|---|
| Sedan | $800 | $66.67 |
| Convertible | $1,500 | $125.00 |
| Hatchback | $700 | $58.33 |
| Wagon | $750 | $62.50 |
| Coupe | $1,000 | $83.33 |
| SUV | $900 | $75.00 |
| Truck | $1,000 | $83.33 |
| Minivans | $1,200 | $100.00 |
| Van | $1,500 | $125.00 |
| Electric Car | $1,200 | $100.00 |
| Hybrid Car | $1,100 | $91.67 |
| Multi Car | $1,000 | $83.33 |
| Exotic Car | $5,000 | $416.67 |
| Sports Car | $2,500 | $208.33 |
| Leased cars | $1,500 | $125.00 |
| 2 Door | $1,500 | $125.00 |
Average annual car insurance costs in Gatineau based on different driving histories
Here is a table showing hypothetical examples of average annual car insurance costs in Gatineau based on different driving histories, along with the corresponding monthly cost based on dividing the annual premium by 12:
| Driving History | Annual Cost | Monthly Cost |
|---|---|---|
| Clean driving record | $700 | $58.33 |
| 1 one at-fault accident | $1,500 | $125.00 |
| 1 non-fault accident | $900 | $75.00 |
| DUI conviction | $3,000 | $250.00 |
| 1 speeding ticket | $1,200 | $100.00 |
Which companies and brokers offer car insurance quotes in Gatineau?
There are several insurance companies and brokers that offer car insurance quotes in Gatineau. Here are 20 examples of companies and brokers that you may consider contacting for a car insurance quote:
- Desjardins Insurance
- TD Insurance
- The Co-operators
- Intact Insurance
- Belairdirect
- Allstate Insurance
- BrokerLink
- Industrial Alliance Insurance and Financial Services Inc.
- Aviva Canada
- Johnson Insurance
- Wawanesa Insurance
- RBC Insurance
- State Farm Insurance
- Square One Insurance
- ScotiaLife Financial
- CAA Insurance
- Economical Insurance
- Western Assurance
- Sonnet Insurance
- Zenith Insurance
About the Author: Robert Davis
