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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 that’s provided by the Société de l’assurance automobile du Québec (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 driver’s licence, while the private Quebec insurance plan requires that you shop around for the best deal.

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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 - $1,458
British Columbia - $1,316
Alberta - $1,179
Newfoundland and Labrador - $1,090
Manitoba - $1,001
Northwest Territories - $974
Nunavut - $968
Yukon - $806
Nova Scotia - $783
Saskatchewan - $775
New Brunswick - $763
Prince Edward Island - $755
Quebec - $724

 

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. 

Get Quebec auto insurance quotes today

Find the best car insurance in Quebec with InsuranceHotline.com

There are a lot of factors that go into what you pay for your car insurance coverage, and the premium you’re charged for auto insurance can vary significantly from one insurance company to another. Using InsuranceHotline.com you will find the company that offers you the best coverage at the cheapest rate.


Are you ready to spend less on your car insurance? Quebec drivers can easily save by comparing car insurance quotes today; it’s the best way to lower your car insurance rate and find a policy that fits your needs best.


Get your quote today and compare rates from more than 30 of Canada's most trusted insurance providers in 5 minutes or less.