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Car insurance in Quebec: A two-pronged approach

There are actually two components to Quebec car insurance. 

The first is the injury coverage premium that's included in the cost of your driver's licence and administered by Société de l'assurance automobile du Québec (SAAQ). The premiums for Quebec's public automobile insurance plan are set each year, however do vary depending on your driving record, specifically any demerit points you may have accumulated.

For example, according to the SAAQ a driver with a Class 5 Quebec driver's licence will end up paying the following on renewal of their driver's licence towards the public automobile insurance plan (This is only the insurance contribution and does not include any extra applicable charges or fees. 

The following is the insurance contribution you end up paying based on demerit points:

    Zero demerit points - $69.71
    1 to 3 demerit points - $109.86
    4 to 6 demerit points - $146.57
    7 to 9 demerit points - $195.35
    10 to 14 demerit points - $223.62
    15 or more demerit points - $460.10

The public automobile insurance plan in Quebec ensures all residents are covered for injury or death resulting from an automobile collision regardless of who is at fault, or where in the world the collision happens.

Quebec drivers pay the cheapest rates in Canada

For a 35-year old driver with a clean driving record, Quebec drivers pay the lowest car insurance rates compared to other provinces.

The provincial average for car insurance from highest to lowest is as follows:

  1. Ontario - $1441 per year
  2. Prince Edward Island - $1137 per year
  3. Alberta - $1088 per year
  4. New Brunswick -$1020 per year
  5. Nova Scotia - $957 per year
  6. Quebec - $590 per year

Your premium could even be cheaper, just by shopping around for a better rate and comparing rates regularly. How regularly? Well, at minimum every year on renewal, but you should also compare rates when you marry, get divorced, move, buy a new car, have new teenage drivers that need to be added to the policy, get a ticket, are involved in a collision, change jobs, or retire. These are all times when comparing rates could save you money.

Did you know that -a joint collaboration of the Insurance Bureau of Canada (IBC) and the Groupement des assureurs automobiles (GAA)-recommends that you shop around and get quotes from at least three insurers? Get more than that at to know that you've shopped the market and are getting the best available rate out there!

Real rates for real customers.

Check out these rates we've secured for customers across Canada.

Private auto insurance in Quebec

The second component to Quebec auto insurance is the private plan which covers civil liability and property damage. This is obtained through private insurance companies like those featured through The minimum required amount to have is $50,000; however it's far more common to have a liability limit that's set to $1 million or $2 million.

It's also through an insurance company that you'll get optional coverages.

Optional coverages you can tack onto your policy

There are optional coverages that can be added to your policy to ensure that you're protected in the way you expect to be covered. The three most well-known, and that can usually be found in Section B of your policy are:

Collision (or upset) coverage covers damage to your vehicle as a result of an impact or collision with another vehicle or object.

Comprehensive coverage insures your car against damage caused by non-collision scenarios like theft and vandalism.

All perils coverage is both collision/upset coverage and comprehensive coverage rolled up into one.

These optional coverages usually have a deductible. A deductible is the portion of an insurance claim you agree to pay. Your deductibles will factor into how your auto rates are calculated. The higher the deductible the lower your rates.

What goes into calculating your premium?

Car insurance rates are basically determined by taking into account the following:

Your driving record: How long you've been licensed, traffic ticket convictions, as well as collisions.

The car you drive: What you drive will, in part, determine the premium  you pay because theft rates, values, and repair costs can vary significantly.

How often and how far you drive: The more time you spend on the road, the greater the chance you'll be in a collision.

Where you live: If you live in a rural area, chances are you'll pay less than someone who lives and drives in a city where there are more drivers on the road.

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