Quebec Car Insurance Quotes

If you are looking for a car insurance quote in Quebec, you will be connected with one of our dedicated insurance partners in that area.​

We do not operate in your province.

How do Quebec auto insurance rates compare to the rest of Canada?

Quebec has the cheapest car insurance rates in Canada, according to a report commissioned by Ontario’s Ministry of Finance, making them the envy of drivers outside of the province. In fact, Quebec drivers, along with New Brunswick, Nova Scotia, Prince Edward Island, and Saskatchewan drivers all pay less than $800 a year for coverage on average.


Average auto insurance rates by province

Ontario - $1,505
British Columbia - $1,832
Alberta - $1,316
Newfoundland and Labrador - $1,168
Manitoba - $1,080
Northwest Territories - $974
Nunavut - $968
Yukon - $806
Nova Scotia - $891
Saskatchewan - $1,235
New Brunswick - $867
Prince Edward Island - $816
Quebec - $717


Car insurance in Quebec

Quebec's car insurance combines public and private insurance coverage, giving Quebec drivers an opportunity to save

Car insurance in Quebec is unique. It blends both a public plan thats provided by the Socit de lassurance automobile du Qubec (SAAQ) and a private plan that is purchased from Quebec car insurance companies.

The public portion is included in the fees you pay for your drivers licence, while the private Quebec insurance plan requires that you shop around for the best deal.

Quebec auto insurance frequently asked questions (FAQs)

With Quebec's unique car insurance system, we get a lot of questions. Here are answers to some of the most common inquiries.

How much is auto insurance in Quebec?

It’s estimated that the average Quebec automobile insurance costs about $724 per year . However, every driver’s situation is unique and the best way to see how much it will cost you is to shop around and compare quotes for the cheapest rate. Even if you pay the “average” rate or less, there is always room to save more; your Quebec car insurance can be cheaper.

What are Quebec’s auto insurance laws?

No matter where you live in Quebec, or for that matter Canada, auto insurance is mandatory. 

It is the law. Under the Quebec Automobile Insurance Act, you must carry at least $50,000 in civil liability insurance coverage. This amount however, is the bare minimum, and generally drivers have at least $1 million in coverage. 

According to the Groupement des assureurs automobiles and the Bureau d’assurance du Canada having at least $1 million in civil liability coverage is advisable because it protects you for:

  • Damage caused to your vehicle for a no-fault collision in Quebec
  • Property damage and bodily injury for an at-fault accident outside Quebec
  • Material damage caused to a third party and for which you are at-fault.

What coverages will my Quebec auto insurance quote include?

Your Quebec auto insurance quote will include the compulsory civil liability coverage that you are required to carry. Usually, quotes include $1 million of civil liability coverage; however, you can change this amount to $2 million.

There are also optional coverages to consider as well, with the most common being collision and comprehensive. Both of these optional coverages will pay to fix your vehicle if damaged. Collision, for example, will pay for damages resulting from an accident, while comprehensive will cover damages caused by things like hail, theft, or vandalism. You can choose to include, or exclude, these optional coverages when reviewing your list of quotes.

What can I do to lower my Quebec car insurance premium?

5 tips to help you pay less for auto insurance

According to the Groupement des assureurs automobiles and the Bureau d’assurance du Canada there are 5 main things you can do to reduce your Quebec car insurance premium:

  • Drive carefully. Tickets and collisions usually mean higher rates.
  • Choose your car wisely. Some cars simply cost more to insure, especially if they’re prone to theft.
  • Ask for a higher deductible. Increasing your deductible usually means your premiums will be lower; but choose a deductible that you can live with because this is the amount you’ll have to pay if you need to submit a claim.
  • Bundle your policies. Most insurers offer a discount if your group your auto insurance and home insurance with them.
  • Shop around. No two insurers are the same, and premiums can vary wildly. 

Ten years of average auto insurance premiums in Quebec

YearAverage annual premiumAverage monthly premiumYear over year change

Ten years of average auto insurance premiums in Quebec

2019 average annual premium
2019 average monthly premium
2019 year over year change