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Car insurance in Quebec
Learn more about car insurance in Quebec and compare providers to find the best deal on extended coverage.
Quick facts for car insurance in Quebec
- Minimum liability coverage: $50,000
- Average annual car insurance costs: $717
Quebec is one of the few provinces in Canada that rely heavily on government-backed car insurance to resolve accident claims. Quebec’s public insurer, known as SAAQ or Société de l’assurance automobile du Québec, provides automatic “no-fault” coverage to both drivers involved in an accident.
That said, you’ll be required by law to purchase a minimum of $50,000 worth of liability coverage from a private insurer before you can drive your vehicle. You’ll also have the option to purchase extended coverage such as collision or comprehensive if you want extra protection in the event that your vehicle gets damaged.
Compare free car insurance quotes online for Quebec
Average costs of car insurance in Quebec
You’ll pay an average of $717 per year to insure your vehicle in Quebec (according to a report from the Insurance Bureau of Canada). This amount typically accounts for the cost of third-party liability, and it automatically enrolls you for accident benefits with Société de l’assurance automobile du Québec (SAAQ).
SAAQ is a government-provided no-fault insurance plan that pays out claims to any driver involved in an accident. This means that you’ll be covered for injuries and time off work due to a collision, whether it’s your fault or not. However, you’ll need to purchase a minimum of $50,000 in third-party liability to cover any damage sustained to another driver’s vehicle if you cause a crash.
You can also choose to add extended coverage such as collision or comprehensive onto your policy. This pays for your expenses in case there’s any damage to your vehicle as a result of a collision or some other incident (such as fire or theft). You may also have to pay more if you choose to add special endorsements such as first accident forgiveness or rental car insurance to your policy.
Which city has the cheapest car insurance in Quebec?
Quebec has some of the lowest car insurance rates in Canada – even in its largest cities. That said, it can be difficult to pinpoint which city offers the cheapest rates in the province since this will usually depend on a number of personal variables such as the age, gender, type of car owned and driving history of the person applying for insurance.
As a rule of thumb, you’ll usually pay lower prices for car insurance in smaller cities such as Sherbrooke, Trois-Rivières and Chicoutimi. You’ll pay higher rates in larger hubs such as Montreal, Quebec City and Gatineau. This is because your risk level is usually higher in big cities since there’s more traffic congestion, narrower streets and more pedestrians.
Which company offers the cheapest car insurance in Quebec?
There are a number of different companies that offer car insurance in Quebec, including Allstate, The Co-operators, TD Insurance, The Personal, La Capitale, CAA, Aviva and Intact. For the minimum level of coverage, with no collision or comprehensive, you could pay as little as $40 per month with several car insurance companies in Quebec.
Your best bet to find the cheapest insurance for your unique set of needs is to compare quotes based on your own personal information. You can also choose to forego comprehensive and collision insurance if you have an older vehicle that you can just write off if it gets damaged. You can also save extra money if you check in about available discounts before you sign onto a policy.
Where can I buy car insurance in Quebec?
You’ll usually be able to source car insurance with a third-party broker in Quebec. This could be your best option if you want to apply for quotes from several companies, but you aren’t interested in reaching out to each provider individually (which can be a lot of work).
You can also choose to purchase car insurance directly from a specific provider if you already know which company you want to work with. As an added bonus, you’ll be automatically enrolled for SAAQ accident benefits as soon as you register your vehicle and purchase mandatory third-party liability so you won’t need to apply for this coverage.
Minimum provincial requirements for car insurance in Quebec
Quebec offers mandatory third-party liability through a number of private insurers. You’ll also be automatically enrolled for SAAQ accident benefits when you sign up.
- Liability insurance. Covers the costs of vehicle damage for another driver if you cause an accident (minimum $50,000).
- Accident benefits. Reimburses you and other drivers for medical bills and time off work as a result of getting into an accident (automatically provided by SAAQ).
- Uninsured motorist coverage. Gives you coverage for various expenses if you get into a collision with an uninsured motorist or hit-and-run driver.
Are there eligibility requirements for car insurance in Quebec?
To apply for car insurance in Quebec, you’ll typically need to meet the following criteria:
- Be at least 16 years old
- Have a valid Canadian driver’s licence
- Own the vehicle you wish to insure
- Be willing to purchase the minimum amount of liability coverage
How to apply
If you think you meet the eligibility criteria, you can apply for car insurance coverage with these simple steps:
- Request quotes from a third-party broker or reach out to the car insurance company you want to work with to discuss your car insurance needs and budget.
- Provide the necessary documentation – such as a valid driver’s licence and proof of purchase for your vehicle.
- Get verified and work with your car insurance company to negotiate the terms of your third-party liability insurance and extended benefits.
Quebec offers some of the lowest car insurance premiums in Canada and you’ll be automatically covered for accident benefits by Quebec’s public insurance company, SAAQ. This means that any driver involved in a collision will be covered for injuries and time off work, and no drivers can be sued for damages. Find out what you need to qualify for car insurance in Quebec and compare providers to find the best rates today.
Frequently asked questions
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