Skip to main content
Ratehub logo
Ratehub logo

Compare car insurance in Quebec

Get a Quebec car insurance quote online today to uncover your best rate. It's quick to do and can save you hundreds on your next auto policy.

How to compare Quebec car insurance quotes with

  1. Share information

    Tell us a little about yourself and your auto coverage needs.

  2. Compare quotes

    We instantly show you auto insurance quotes from top Quebec providers.

  3. Save money

    Choose your quote and secure your car insurance rate online.


A few things we're proud of

  • 1,200,000

    monthly users

  • 11 years


  • Over 1M

    better choices made

  • Trusted partner

    to Canada’s top financial institutions

Recent Quebec auto insurance news

Matt Hands

The Quebec government is stepping up to help public deal with the fallout from the issues within the province’s automobile insurance board - Société de l’Assurance Automobile du Québec (SAAQ).

Drivers are facing long lines and lengthy wait times for SAAQ services after a recent attempted rollout of their new online services site experienced significant delays. The new digital platform was supposed to be live by February 20, but is still not fully functional.

Due to the digital issues some services were unavailable to Quebec drivers, such as:

  • Learner permit applications for novice drivers
  • Certificates for winter tire exemptions issued by auto insurance board

The expectation is that the online issues will be resolved by April, but in the meantime the government is offering the following support measures:

  • Extending the validity of drivers’ licences set to expire between March 9 and June 1. This means licence holders will have 90 additional days from their birthdate to make the payment.
  • Extending vehicle registration certificates issued between March 9 and April 8. Those registrations will now be valid for 60 days, instead of 10.
  • Extending the validity of international drivers’ licences until Aug. 29, so newcomers to Quebec don’t have to apply for a licence immediately.
  • Hired 150 additional workers and prolonged operating hours at some SAAQ service outlets to alleviate the lines.

Remember it is a requirement for all drivers in Quebec to have insurance in order to legally drive a car.

How Quebec car insurance works

Since 1978, Quebec car insurance has been a hybrid system. The two components of the mandated system are public (section A) and private (section B). To put it simply, the public, or government run coverage protects against bodily injury, whereas private insurers cover any property damage 

Section A - public insurance

The public policy is administered by the Société de l'Assurance Automobile du Québec (SAAQ). SAAQ ensures all Quebec drivers are covered for injury or death resulting from a car crash regardless of who is at fault. 

No-fault insurance in Québec is part of the basic plan. Any Quebecers who get into an accident in Quebec are covered by the plan, regardless of whether or not they are responsible for the accident.  No Quebec driver, or company, can sue against the person responsible for the traffic accident.

However, if you plan on driving outside Quebec, call your insurance provider to adjust coverage accordingly.  SAAQ will do their best to bring you back to Quebec to recover. 

The public coverage receives contributions from the automobile insurance fund to compensate accident victims. The contributions are collected from licensing and vehicle registration payments. 

Section B - private insurance (required coverage)

Private insurance companies in Quebec are responsible to enforce the following property damage coverages. Their full definitions are further down the page. 

  • Third-party liability - if you damage someone else's property
  • Uninsured Motorist Protection - to cover you in case the other driver has no insurance
  • Direct Compensation Property Damage - if you're not at-fault, the government can repair your car ($10,000 limit)

Optional car insurance in Quebec

You have the option to add to your Quebec auto insurance coverage to enhance your policy. The following are some common add-ons. 

  • Collision - protects your car if you're at fault in a collision
  • Comprehensive - protects your car while it's parked from vandalism or inclement weather. 
  • All perils - Collision, comprehensive, and if a person known to you steals your car
  • Specified perils - You can specify against a specific risk such as flood or lightning

Québec insurance endorsements 

You can also modify your existing coverage using Quebec Endorsement Forms (QEF). Here are some popular options. 

  • QEF 5c - extends coverage for a leased vehicle, no longer than 30 days. 
  • QEF 16 - Suspension of coverage during vehicle storage
  • QEF 17 - reinstatement of coverage after vehicle storage
  • QEF 44 - Allows you to carry your existing coverage into other specified countries

You can find a list of all the forms at the Autorité des marchés financiers (AMF) , an organization responsible for financial regulation in the Canadian province of Québec

Historical rate changes for car insurance in Quebec

Even though drivers in Quebec pay the lowest for car insurance in Canada, it still makes sense to compare car insurance quotes to make sure you’re getting the best deal. More recently insurance rates in Quebec have started to rise after years of decline – up 2% per year since 2009.

The average premium in a specific region will increase as the claims in that region go up. Montreal car insurance makes up 15% of claims submitted by Quebec drivers, and, as a result, Montrealers pay some of the highest auto premiums in Quebec. At $426 annually, Bas St-Laurent takes the award for the lowest car insurance premium in la belle province.

The historical rate changes shown below are based on all the drivers insured each year by every company in Quebec. In order for an insurer to be approved for a rate change, as required by law, the proposed rates must be just and reasonable, not excessive, and not going to impair a company’s financial solvency. Insurers will submit their proposed changes to the government for approval along with supporting actuarial data.

Average car insurance in Quebec

source: GAA 
Note: The premiums are for private passenger vehicles and includes coverage for material damage only.

Mandatory coverage for auto insurance in Quebec

Mandatory insurance is mostly about protecting you from damage you may cause to others and their property. Protecting you car is in optional coverages.

Third-party liability

Accident benefits

Uninsured motorist

Direct Compensation Property Damage (DCPD)

Optional car insurance coverage in Quebec

You can personalize your coverage with these common additions that protect your car.

Collision insurance

Comprehensive insurance

Emergency roadside assistance

Specified perils

All perils

Are you getting the best price for Quebec auto insurance?

In less than five minutes, you can compare multiple car insurance quotes from Quebec's top providers, for free.

How to get cheap car insurance in Quebec

  1. Shop and compare

    Research which company provides cheap car insurance in Quebec, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing car insurance quotes with us is free.

  2. Stay with your current insurer

    Some Quebec car insurance companies will give loyalty discounts to drivers who remain active with them for years. Especially if they add family members or multiple vehicles to their policy.

  3. Bundle your policies

    If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.

  4. Get a multi car discount

    If you have multiple drivers and vehicles in the same household, by putting them all on one policy can save you money.

  5. Increase your deductible

    Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to double your deductible, it could save you money.

  1. Ask about discounts

    If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Quebec car insurance.

  2. Pay premiums annually, instead of monthly

    Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.

  3. Maintain a good driving record

    If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. Car crashes stay on your insurance record for up to ten years and can result in higher premiums.

  4. Install winter tires

    You can save up to 3-5% simply by adding winter tires to your car.


How to get a Quebec driver's licence

Since July 1997, Quebec has used a graduated licensing system (GLS). This system requires each driver to progress through a 3-step educational program in order to be considered a fully licenced driver. Once you’ve successfully completed the GLS, you can legally operate a car, a motorhome, a tool vehicle, a service vehicle, a moped/motorized scooter, a tractor, and a 3-wheel T-Rex or Slingshot. Let’s take a quick look at this phased approach:

Class 5 learner's licence (or level one) eligibility criteria:

Class 5 probationary licence (or level two) eligibility criteria:

Class 5 regular licence (or level three) eligibility criteria:

Ready to get a free Quebec car insurance quote today?

By comparing quotes from Canada's top insurance companies to find your best rate can potentially save you hundreds of dollars annually.

Frequently asked questions about Quebec auto insurance

How much does Quebec car insurance cost?

How do I get the cheapest car insurance in Quebec?

What are the best insurance companies in Quebec?

Can I get Quebec car insurance with an Ontario license?

Who can drive my car under my insurance in Quebec?

Do I need auto insurance in Quebec?

Does my insurance cover me if I drive for Uber or Lyft?

Why is car insurance cheaper in Quebec?

Do I need winter tires in Quebec?

Is roadside assistance required in Quebec?

How do I file a car insurance claim in Quebec?

How long do driving offences last on my driving record in Quebec?

Can I bundle my car insurance with home insurance in Quebec?

Matt Hands, Business Director of Insurance

With 6+ years of experience at, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio

The knowledge bank

A wealth of knowledge delivered right to your inbox.

By submitting your email address, you acknowledge and agree to’s Terms of Use and Privacy Policy. Contact us for more information. You can unsubscribe at any time.


Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.

When it comes to mortgages, is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place. has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada.

How does make money?

Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry-leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.

read more about us