Student driver insurance in Quebec.
Student driver insurance in Quebec.

Are you a student 25 or under who needs auto insurance? Car insurance can be quite expensive. Because we know most students are on a tight budget, we want to help you find the most affordable insurance.

You can pay less for your car insurance if you use our network of insurers by comparing multiple insurance quotes, free of charge.

In the following article, we present to you the best prices from insurers that offer the best services and products for students and their automobiles!

What is student auto insurance?

Before comparing insurance options for student drivers, it is also important to know how this type of insurance works.

By knowing the mechanics and benefits, you will be in a better position to evaluate and choose what best suits your needs.

Quebec private auto insurance

Private automobile insurance is used to cover damage that may be caused to your automobile, including damage caused by a collision for which you may be responsible. Automobile insurance can, in certain cases, cover other unfortunate events, such as the theft of your car or its intentional damage by a third party.

It’s important to remember, however, that just because you’re covered by an insurance policy doesn’t mean you’re covered for every kind of problem that might arise with your car. Your coverage will depend on the type of protection you choose. Among the various optional elements, we can name, for example:

  • Damage caused to your car in the event of a collision with another car, or in the event of a rollover.
  • Collision damage, such as fire, hail, flood or vandalism to your car.
  • Particular and/or specific risks, such as explosion or earthquake.

Take the time to understand what the policy actually covers so that you know what types of risks or damage you have protection for. You can also save money if you decide to pay for more limited coverage. You get less protection but you’ll also pay for lower premiums.

Options available for student auto insurance

Collision damage covered by all-risk car insurance.

It’s important to understand that in Quebec, it’s mandatory to have third-party liability insurance coverage.  The minimum is $50,000, whether you’re a student or not.

After that, you may wish to consider adding other features to your policy for enhanced protection. The following table shows the different types of policy most commonly found in the insurance industry:

Common types of policies


All-risks insurance

Comprehensive coverage with protection for most risks. It is therefore the safest, but often the most expensive.

Collision/Loss Damage Insurance

This insurance protects you if your vehicle collides with an object. It covers material damage resulting from the accident.

Insurance without collision 

This insurance protects you against anything other than collision or upset. You’re protected against vandalism, fire, and theft.

All-risk car insurance is the most advantageous since it protects you against any eventuality. Paying a specific amount for each type of insurance allows you to cover a vehicle that you know is temporary.

If you have an old car, for example, you don’t have to pay a huge amount knowing that it won’t be on the road for very long. That’s why it’s important to have different options since not every owner and not every vehicle has the same needs.

Quebec student auto insurance: Can students get certain discounts?

Some insurers try to be more competitive by providing options to their target clients. There are insurance companies that will offer advantageous services for students. The table below presents 3 insurers that can offer, under certain conditions, great insurance options for student drivers:

Insurance Company

Discounts for student drivers


The Personal

Several attractive discounts for those under 30. This is the widest age bracket offered for younger adults as it takes into consideration the return to school of young adults.

If you are planning to return to school and you are not yet 30, this could be a good option for you to save on car insurance premiums

TD Insurance

Discounts can be offered to many students located at different academic levels. From the vocational diploma to the baccalaureate, several student profiles are accepted

Many students can find the most beneficial option for them. Whatever your level of study, there is something tailored to what you want and according to your means.

Promutual Insurance

Attractive discounts for university students aged 24 and under, if they take out collision insurance.

A discount specifically designed for young drivers. While insurance can be difficult to obtain and expensive for many student profiles, this option remains easy to access and quick to set up.

As you can see from the table above, there’s no shortage of choices. However, you have to take the time to shop around to find what is most advantageous for you. 

You can click on the button below to fill out our form. An expert in the field of insurance can provide you with sound advice very quickly.

How much can student car insurance cost?

Unfortunately, there is no single answer to this question. Many factors can influence the final price of your car insurance. We can mention for example:

  • Your age, sex, where you live, type of vehicle you drive
  • Your driving record: An insurer will take the time to check your driving history.
  • What you do with your vehicle: Do you only use it to get to school or is it your daily means of transport?
  • An insurer may question you about your current financial situation. Speaking of which, you could get a discount on your insurance if you allow your insurer access to your credit report.
  • The date you got your driver’s license: This factor gives an overall idea of ​​your driving experience. The more seasoned you are, with many years of driving, the less expensive your insurance premiums will be.

Several elements come into play so it is difficult to give an automatic answer to this question.  The best way to find out is to obtain free quotes using our short online form. Our partners will provide you with offers based on your specific details.

FAQs on Student Auto Insurance in Quebec

Whether you are a new driver in Quebec or a seasoned one, you would want to find the right auto insurance.

You can refer to the questions below to help you in your search for the best and most affordable coverage.

Can an international student get auto insurance in Quebec?

Yes, foreign students in Quebec can obtain auto insurance. However, it may involve more challenges compared to local residents. Policies may also be more expensive.  Individuals with no driving history in Canada are considered new drivers and may be charged higher premiums.

Do learners or student drivers also need insurance?

No matter what type of driver’s license you have, even if you are still a learner driver, you are required to have insurance.

Is insurance in Quebec for the account of the car owner or the driver?

Accidents in Quebec are always filed under the driver’s file and not the vehicle owner’s file. Other people can drive your car as indicated in your car insurance. Drivers must have a license and have your consent to drive your car and use it for legal purposes.  If the person who borrowed your car has an accident, you can be reimbursed if the driver is not at fault or if you have collision coverage.

Do young drivers really pay the highest premiums?

Yes, because statistically, young drivers are at a higher risk for accidents. For insurance companies, young drivers do not have enough driving experience and are more prone to make mistakes on the road.

Can a young driver just be listed on a parent’s policy?

Yes and no. If a student driver only borrows the car occasionally, he can remain on a parent’s insurance policy. If the young driver has his own car, he needs his own insurance coverage.

Do student drivers really need private auto insurance?

Quebec law mandates all drivers to have public insurance from the Societe de l’Assurance automobile du Quebec (SAAQ). This government insurance actually applies to all residents, with or without a driver’s license. This coverage pays for injuries due to road accidents.

Private auto insurance (referred to as Part B) is also required to cover damage to another person’s vehicle if you are at fault in an accident.  This is often referred to as 1-way insurance.

The only optional coverage is damage to your own vehicle if you caused the accident. If you have a new or valuable car that would be costly to repair, it is advisable to get this type of cover.  It is also referred to as 2-way insurance.

Do you have more questions in mind? You can fill out the form on this page to connect with reliable insurance experts to help you.

Cheaper student car insurance: Tips to lower the cost of your insurance

Happy and responsible student driver.

Here are some tips you can keep in mind. There are many tips that can lower your insurance premium, without these having a link to your age or your driving record. Some of these are: 

  • The possibility of getting insurance on your parents’ vehicle. If you have the possibility of being insured as an occasional driver of the vehicle used by your parents, this could lower the cost of your insurance premiums. .
  • Have a telematics device installed. This tool records your driving data, taking note of your speed, your accelerations according to the zones in which you are located, bumps, as well as snags. By showing seriousness when driving using a telematics device, this proves your goodwill on the road and can lower your insurance premium.
  1. Get a car that’s less expensive and less known for its speed. If you opt for a safe vehicle, your insurer will take this factor into consideration before giving the final price expected for your insurance. It’s that simple.


Again, while these tips may be relevant, each insurer will react differently to your initiatives. It is not impossible that one of them is not convinced by the brand of your car or your telematics device. The best way to find out is to discuss it with an insurance specialist.

The best advisors for student auto insurance

Consult our partners for auto insurance for student drivers.

Shopping for insurance can be a tedious exercise, especially if you have important obligations to prioritize. If you’re a student, you’re constantly handing in assignments, doing exercises, or studying for your next exam. You don’t want to waste a lot of time trying to analyze auto insurance for your needs. 

Luckily, we can help! We know specialists and experts in the auto insurance field who can give you straightforward advice. It’s easy to talk to one of them:

Simply fill out the form on this page to receive up to 3 quotes from 3 different professionals.

With the help of an expert in the field of car insurance, you’ll be able to concentrate on what’s important while being advised by the professionals best equipped to point you in the direction of the most attractive offers. 

You can simplify the process by requesting your free and no-commitment quotes today!


Just fill in the form and one of our partner insurers will find you the best solution.