Car Insurance in Quebec
Compare quotes for your auto insurance in Quebec to spend less on the coverage you need. At Kanetix.ca, we shop the market for you to help you find a better rate.
Find a better price today and compare Quebec car insurance quotes. It's easy, secure and free. All you have to do to save money on your auto insurance premiums with Kanetix.ca is:
Don't live in Quebec but are looking to save money on your car insurance? Get, compare, and secure your auto insurance quotes for: Alberta car insurance, Ontario car insurance, Nova Scotia car insurance, New Brunswick car insurance or PEI car insurance too.
For a 35-year old driver, Quebec pays some of the lowest insurance rates in Canada.
Ontario auto insurance
$1441 per year
PEI auto insurance
$1137 per year
Alberta auto insurance
$1088 per year
New Brunswick auto insurance
$1020 per year
Nova Scotia auto insurance
$957 per year
Quebec auto insurance
$590 per year
Your Quebec car insurance could even be cheaper. All you have to do to save money is shop around for a better rate and compare 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 auto insurance rates could save you money.
Did you know that infoinsurance.ca-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 Kanetix.ca to know that you've shopped the market and are getting the best available rate out there!
What goes into calculating your Quebec auto insurance rate?
Quebec car insurance rates are basically determined by taking into account:
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 what you pay for auto insurance 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.
Car Insurance in Quebec: A Two-Pronged Approach
Quebec's public automobile insurance plan
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. These are the fees for 2015):
1 to 3 demerit points
4 to 6 demerit points
7 to 9 demerit points
10 to 14 demerit points
15 or more
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.
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 Kanetix.ca. 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 Quebec auto insurance policy
There are optional coverages that can be added to your Quebe ccar insurance 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 Quebec auto insurance policy are:
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 insurance rates are calculated. The higher the deductible the lower your rates.
These are just a few of the more popular optional insurance coverages available, but there are others as well.
Before you and your family get on the rides at an amusement park like La Ronde, you always look at the rules for riding. You make sure that you are tall enough, old enough, and are the right weight for the ride, because you want to be safe and have fun. Navigating the rules and regulations around seat belt safety is like visiting an amusement park; you have to follow the guidelines set out so that you are safe on your trip.
It is very important to wear your seatbelt when you travel in a vehicle. Whether it's a long trip or a short one does not matter. Many accidents happen close to home, and over half of accidents are at a speed of 50 km/h or lower. Wearing your seat belt is not an option. In Quebec, if you don't, or if you don't wear it correctly, you, as driver or passenger, may be subjected to:
Fines and demerit points are the least of your worries, however. Seat belts save lives and not wearing a seat belt means you're jeopardizing more than just your personal safety; you're risking your life too.. Currently, nine out of ten people in Quebec wear their seat belts; however, if EVERYONE buckled up, the number of deaths as a result of a car accident would go down. Over 30% of drivers and passengers who die in an auto accident, were not wearing their seat belts. So, wear your seat belt, and wear it properly, by following the rules.
At the age of 12, most passengers are considered to be the size--or close enough to the size--of an adult, and the adult seat belt safety rules apply. However, drivers are legally responsible for making sure that everyone under the age of 16 in the vehicle is wearing their seat belt. Seat belts have two parts to them - a lap belt and a shoulder belt. To wear a seat belt properly:
Some pregnant women believe that they should not wear a seat belt. But, that is not true. Wearing a seat belt protects both mum and baby. When a woman uses the seat belt properly, there is little risk to the baby:
If you are pregnant and are in a crash, always see your physician. Complications could arise after a crash, whether the crash is minor or serious.
Infants need special protection when they are in a vehicle. The following rules apply when restraining an infant in a child safety seat.
145 cm (4 ft. 9 in.)
Children over one year of age, and who weigh more than 10 kg (22 lb), are still required to use a child safety seat until they are at least 6 years old. While they no longer have to sit facing the rear of the vehicle, it is the safest for them which is why there are now seats available that are rear-facing and accommodate a child who weighs from 16 kg to 18 kg (35 lb to 40 lb). It is advised that passengers under the age of 12 sit in the back seat of a vehicle.
When seating a small child in a vehicle, follow these rules:
To make sure that a child is ready to use only a seat belt:
To stay current on child safety seats, and for more information about child safety seats, visit:
To learn more about seat belt safety in Quebec, visit:
No driver wants to see demerit points on their licence. Demerits, which are added to your licence not taken away, when you commit almost any traffic offence, can make your life pretty miserable if you get too many of them. Accumulate enough and you could lose your licence for a while.
Since 1973, there's been a demerit point system in Quebec to penalize drivers who have been convicted of certain offences under the Highway Safety Code or municipal by-law. Demerits can also be accumulated for offences under provincial or federal statute or regulation regarding road safety.
Everyone knows that a ticket conviction could increase the cost of your auto insurance. But did you know that the same ticket-if there's demerit points associated with it-could increase the cost of your driver's licence at renewal? It's true. In Quebec, the number of demerit points on your licence will determine the cost of your licence renewal. The more demerits you have, the more your licence will cost to renew. To see how demerits affect the cost of obtaining a licence, the Societé de l'assurance automobile Quebec (SAAQ) website provides all of that information.
There are a number of offences in Quebec that will add demerit points to your licence, including:
Most violations in Quebec are between two and four demerit points. However, there are a number of higher demerit costing offences, including:
There are a wide variety of traffic violations in Quebec that also subject to demerit points. Some of these violations include:
Speeding is taken very seriously in Quebec, where the number of demerit points issued for speeding is one of the highest in Canada. Depending on the posted speed limit and your speed over it, you can earn yourself anywhere from 1 demerit point to 30 our more. Unlike most offences that no longer appear on your driving record after two years, excessive speeding offences will stay there for 10.
For a list of all of the offences and demerits in Quebec, go to
People who don't have a driver's licence, can also earn demerit points. Consider for example passenger-style offences like: not wearing a seatbelt, not wearing a helmet if on a motorcycle, scooter or moped, or holding onto or being pushed by a vehicle. For those without a licence, the SAAQ will open a file so that there will be a record of the offence and the demerit points recorded. Once 4 or more points are accumulated, they will be prohibited from obtaining a licence for a minimum of 3 months.
Learning drivers are subject to stringent rules. If a driver with a learner's or probationary licence acquires 4 demerits, their licence is revoked for at least 3 months. On top of that, three months is added to the learning or probationary period.
Fully licensed drivers also have to follow the rules; but the number of demerits allowed before their licence is revoked or cancelled varies by the driver's age. Drivers can lose their driving privileges when they:
How long a person's licence is revoked for will vary; but it will be at least for three months, but it could be for six or 12 months too, depending on: the demerit point bracket, the total number of demerit points, and how long the driver's last revocation was for if it was within the last 2 years.
The demerit points system was put into place to help drivers be more aware of their behaviour, and prompt them to change any negative actions. Driving safe and being responsible on the road is a good thing to do, and will ensure that you are driving for a long time-driving safe and ticket-free will also ensure you pay less for your driver's licence and auto insurance.
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