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Car insurance rates are lower in Quebec province compared to other parts of Canada. This is because Quebec’s insurance regulations restrict public insurance to bodily injury claims.
But even if Quebec enjoys the lowest auto insurance rates in Canada, there’s no reason to pay for higher premiums.
You can get even more savings by choosing the best car insurance policy from our network of partners (insurance brokers and insurers).
Auto Insurance Rates in Quebec
The Societe de l’assurance automobile du Quebec, a government agency, handles the personal injury portion of your insurance. Premiums for this public insurance is paid when you renew your driver’s license.
In addition, drivers are required to obtain liability coverage from private auto insurance companies in Quebec. These insurers are members of the Groupement des assureurs automobiles (GAA) and they set the rates for the property damage portion of your insurance policy. These rates vary from one insurer to the next.
Driving in Quebec Province is a really enjoyable experience because of its beautiful scenery. However, it is important to have the right insurance coverage in place to protect you from liability for damage to another vehicle or someone’s property.
Average car insurance rates in Quebec is $724, almost 50% lower than Ontario and British Columbia.
Minimum Insurance Requirements in Quebec
The law requires public auto insurance coverage for personal injuries which is provided by the SAAQ. All Quebecers are covered by this plan. Under this plan, you cannot sue anyone for injury in Quebec and you cannot be sued by another person for injury.
Public insurance coverage for residents in Quebec pay for accidents that occur in Quebec or another province. These benefits cover the following:
- Medical payments
- Funeral expenses
- Disability (up to $67,500 a year)
- Impairment (maximum of $229,887)
You are also mandated to have private insurance to cover for property damage. The minimum requirement for liability is $50,000.
Quebec employs a no-fault system in the province which means that drivers must claim from their insurance company, no matter who is at fault for an accident.
Penalty for Driving in Quebec without Auto Insurance
Don’t even think about driving in Quebec without the right auto insurance coverage.
If you are caught driving without insurance, you can be fined a minimum of $325. If you get into a car accident and cause damage to another vehicle or property for over $500 and you don’t have adequate insurance, your license and your right to obtain a license is automatically suspended.
We know you may have a few more questions about auto insurance. Learn more about auto insurance coverage and costs from top 17 questions about car insurance in Quebec.
How Insurers calculate auto insurance rates
Insurance companies in Quebec determine auto insurance rates by using a number of factors.
- Age and gender
- Mileage on your vehicle
- Driving record (previous violations of the Highway Safety Code)
- Driving history (how long you have had a driver’s license)
- Vehicle use (personal or commercial)
Quebec drivers are assured access to fair rates because the GAA employs two important tools for determining rates – the Fichier central des sinistres automobiles and the Automobile Statistical Plan.
Different Types of Auto Insurance Coverage
In Quebec, there are 4 optional types of auto insurance coverage on top of the mandated insurance.
These are collision, comprehensive, all perils, and specified perils.
If your car turns over because you have lost control or collides with another object, your coverage will pay for damage to your vehicle.
Your car can get damaged from flying debris. You could also be a victim of vandalism. Comprehensive coverage provides protection from most perils except collision or damage from theft by an individual who lives with you or works on your auto.
This type of coverage provides protection in case of auto theft, including by someone in your house or an employee.
This type of policy provides protection of your car gets stolen and is either lost forever or recovered with damage. Also covers damage from fire and other risks, as follows:
- ✓ Loss due to theft
- ✓ Lightning
- ✓ Hail
- ✓ Flood
- ✓ Earthquake
- ✓ Windstorm
- ✓ Explosions, riots or civil disturbances
- ✓ Damage from falling aircraft or parts of its parts
- ✓ Loss from a stranded, sunk, burned, derailed, or from a collision of a transport when an insured vehicle is being carried over land or water
Your insurance policy outlines the limits, exclusions, and deductibles that apply to you. It is important to understand your coverage to ensure you are adequately insured.
2-Way or 1-Way Auto Insurance
2-way insurance is optional in Quebec and falls under Section B of your insurance.
This type of insurance coverage provides protection in case your car gets damaged by a collision due to your own fault. It also applies to the theft of your vehicle.
This insurance under Section B offers additional protection under the following circumstances:
- ✓ Damage to your vehicle if you collide with another car, your car overturns, regardless if it is your fault
- ✓ Cover for specific perils listed in your policy such as an explosion
- ✓ All risk insurance for damage to your vehicle with the exception of perils not listed
You can obtain cover for many other types of damage if you purchase additional insurance from your insurer. This is called an endorsement or rider but you will need to pay a higher premium.
Not everyone wants to pay for 2-way insurance. You can also get 1-way insurance which means there is no cover for damage to your own vehicle if you are at fault. This is the minimum auto insurance required for drivers.
This means you are on your own if your car gets wrecked in an accident you caused.
This type of insurance could be ideal for much older vehicles.
Ways to Save on Auto Insurance Premiums
Want lower car insurance premiums? There are ways you can qualify for lower premiums in Quebec.
You already know that insurers use your driving record and history to set insurance rates. Drive carefully, maintain a clean record and comply with traffic regulations.
- ✓ Obtain online quotes from multiple insurers before renewing your auto insurance
- ✓ Bundle your home insurance and auto insurance under one insurance company
- ✓ Always pay your insurance premiums in a timely manner
- ✓ Insurers offer discounts if you use winter tires when appropriate
- ✓ Choose a vehicle with low maintenance costs and a good safety record
You can see it’s very easy to get lower auto insurance rates. Get your free online quote today!
How to Renew or Cancel Auto Insurance
Your existing auto insurance policy is automatically renewed at the end of the term under the same conditions. The only exception is when your insurance provider issues you a written notice at least 30 days prior to expiry date.
You may also cancel your auto insurance policy at any time by informing the insurer in writing. If premiums have been paid in advance, the insurer will issue you a refund.
Insurers cannot cancel a policy within the first 60 days of coverage. A written notice is required and can only become effective 15 days after you have received it. The only exception to this rule is if the insurance provider needs to cancel coverage due to unpaid premiums. In such cases, a written notice is sent to you and coverage is cancelled after 30 days.
With these in mind, it is important to start shopping for your online auto insurance quote ahead of the expiry date of your auto insurance. You can’t suddenly cancel your coverage because you will be exposed to risks.
For complaints regarding your auto insurance company, you may file a report with the Autorite des Marches Financiers (AMF).
Why Use Our Free Insurance Comparison Platform?
By using Compareinsurances.ca, you can provide your driver information and find the best quote from one of our partners (leading auto insurers) in Quebec.
Imagine how much time and effort you can save from going to different insurance sites to ask for quotes. With just 1 form, you can already receive the best car insurance quote for you, all in just 2 minutes.
If you accept the offer (if you think it is most advantageous for you), our partner insurance broker will set-up your coverage with the insurance company and lock-in the rate.
This assures you that you have obtained the best price for the right auto insurance coverage.
What’s more, you don’t pay anything for the service and you are under no obligation to purchase anything!
You can save so much time and money by receiving your free auto insurance quote using our platform.