Welcome to LMBF Assurances
LMBF understands that everyone is looking for the cheapest car insurance in Quebec, and we understand that no one wants to pay more than they need to. LMBF helps provincial drivers find affordable car insurance in Quebec without having to cut corners simply to choose the “cheapest” option when it comes to car insurance in Quebec. Although our prices are affordable, we also help you find coverage that fits your needs through our partnerships with the best car insurance companies in Quebec. We do the research for you so you don't have to. Let us find you auto insurance quotes in Quebec today.
Auto insurance in Quebec is different from that in other provinces. This is due to the fact that car insurance in Quebec uses a system that contains both public and private insurance. Quebec's Auto Insurance Act requires a minimum of $50,000 in civil liability, but everything else comes from a private auto insurer. LMBF has established partnerships with some of the top-rated auto insurance companies in Quebec and can help you find a plan that is affordable and fits your needs.
Accident benefits coverage covers you and your dependants if you are injured or even killed in an accident. It can provide compensation for lost income, funeral expenses, as well as medical treatments not covered by provincial health care and rehabilitation treatments.
Optional comprehensive coverage covers your vehicle for damage caused by falling objects, fire, vandalism, and theft, and more. Collision coverage, also optional, covers your vehicle in the event of damage due to a collision with another vehicle or a fixed object. Generally, you can choose the deductible for the two types of insurance that best suits your needs.
In Quebec, car insurance must include civil liability coverage of at least $50,000, although most insurers recommend extending this coverage to 1 or 2 million dollars — especially for those who travel regularly outside of Quebec. Liability coverage covers you if you damage someone else's property or cause injury to another person.
Extensive coverage covering most claims, except for specific exclusions.
Responsibility towards third parties. Simple and essential protection adapted to your situation.
Covers damage to your vehicle as a result of a collision with another vehicle or object.
Allows you to replace an asset without taking into account its depreciation.
Covers additional costs if you can no longer use your home or vehicle as a result of a covered claim.
Avoid an increase in your premium following a first responsible accident.
Protects you if you are involved in an accident with an uninsured or under-insured driver.
Offers compensation in case of injuries (you or your passengers) as a result of a covered accident.
Offers help in the event of a breakdown, including towing and road assistance.
Protects a rental vehicle against covered damage or losses.
Covers certain unexpected expenses related to your trip, such as additional transportation or accommodation expenses.
Covers the difference between the value of the vehicle and the financing balance if your vehicle is declared a total loss.
Coverage depends on your policy wording and driver disclosures. In Ontario, occasional drivers who have access to the vehicle should usually be listed on the policy. Lending your car to a licensed driver may be allowed, but accidents can impact your insurance record and future premiums. Always confirm with your broker before allowing regular use by someone not declared.
The “cheapest” auto insurance is the policy that provides the right protection at the best available rate — not simply the lowest premium. Reducing coverage to save money can leave important gaps. Working with an LMBF broker helps you compare multiple insurers to balance affordability and protection.
Auto insurance costs in Ontario are fully private and vary widely based on driver profile, vehicle type, driving history, territory, coverage choices and insurer appetite. Ontario generally has higher premiums than some other provinces because accident benefits coverage is included in standard policies.
Yes. Auto insurance is mandatory in Ontario. Drivers must carry a valid policy that includes third-party liability coverage (minimum limits are set by law, though many drivers choose higher limits such as $1M or $2M). Proof of insurance must be carried when operating a vehicle on public roads.
Auto insurance premiums in Ontario can fluctuate based on repair costs, vehicle technology, accident trends, fraud levels, weather events and regulatory changes. Even safe drivers may see adjustments due to broader market conditions.
Yes. Vehicle modifications in Ontario can impact eligibility, premiums or coverage depending on the type of modification and whether it is declared. Some changes may require special underwriting approval or additional endorsements.
