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Quebec Auto Insurance

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Review Auto Insurance in Quebec province

Quebec Auto Insurance Overview

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The province of Quebec offers both public and private auto insurance. The public insurance is offered by the Société de l’assurance automobile du Québec (SAAQ) while the private plan can be obtained from private auto insurance companies. Quebec auto insurance is the lowest of all Canadian provinces and territories with an average plan of $661 according to the Insurance Bureau of Canada 2017 report.

With its low average auto insurance plan, most Quebecers do not bother about shopping around for cheaper coverage. But you can save hundreds of dollars a year simply by shopping around for a more affordable policy especially in the private plan.

Although Quebec already has affordable coverage, the major reason why most Quebecers don’t bother about shopping around is the time it usually takes. However, with the services offered by insurdinary.ca, you can compare policy options and shop around for coverage in the same amount of time it would take you to get just one coverage.

Call Insurdinary for Quebec travel insurance suitable for you. When you contact Insurdinary.ca, we will connect you to insurance advisors in Quebec who will help you to compare auto insurance quotes available to Quebec residents. Our independent insurance advisors compare quotes from reputable auto insurance companies in Quebec and will provide you the expert guidance and advice you need.

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Quebec Auto Insurance Details

Factors that affects Auto Insurance rates in Quebec

Quebec auto insurance companies consider a number of factors when calculating your auto insurance rate. The following factors are used in determining your auto insurance rate in Quebec:

  • Your driving record and usage of your vehicle
  • Your age and gender
  • The number of miles on your vehicle
  • The length of time you have held your driver’s license
  • How you use your vehicle; for business or personal purpose
  • Whether you have been in or caused an accident
  • Whether you have violated the Highway Safety Code
  • Whether you have taken an education course for drivers.

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Quebec Auto Insurance News

According to Transport Minister Julie Boulet, the Quebec government will not approve any major public auto insurance rate increase like those proposed by SAAQ.

As a way to compensate for the over $1 billion debt that the automobile insurance board is running, SAAQ recommended an increase in rate up to 300% for auto insurance. The report stated that had a deficit of $500 million in 2017. The debt was incurred irrespective of the $700 million finances it caused the board to pay out $1.1 billion to compensate accident victims last year.

According to Boulet, it is necessary to make changes but it will not be severe. The provincial government intended to look into the recommendations made by the board and increase the rate in such a way as to decrease the debt while not impacting heavily on the drivers’ pockets.

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Quebec Auto Insurance FAQ

Why are Quebec Auto Insurance rates so low?

Quebec auto insurance rates are very low primarily because Quebec does not have strict insurance regulations like most other provinces and the public insurer is limited to only bodily injury claims.

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What is the minimum requirement for Quebec Auto Insurance?

Personal injuries coverage is mandatory in Quebec but this is provided by the public auto insurance plan provided by Société de l’assurance automobile du Québec (SAAQ). You are required to obtain property damage coverage from private insurers with minimum legal coverage of $50,000.

How much will car insurance cost me in Quebec?

According to the Insurance Bureau of Canada, an average Quebecer paid $661 per year in 2016. The driving situation for every driver is not the same in Quebec. You can save on your policy by shopping around and comparing quotes from Quebec auto insurance companies in order to save on your coverage. You can even save more even if you pay the average rate.

What auto insurance laws affect drivers in Quebec?

Auto insurance is mandatory no matter where you live in Quebec. You are required to carry a minimum of $50,000 in civil liability insurance coverage. This is stipulated in the Quebec Automobile Insurance Act. Although $50,000 is the minimum in civil liability coverage, Quebec drivers are advised to have at least $1 million in coverage according to the Groupement des assureurs automobiles and the Bureau d’assurance du Canada.

What is covered in my Quebec auto insurance policy?

You are required to have the compulsory civil liability coverage in your Quebec auto insurance policy. This usually includes $1 million in coverage but you can increase it. You can also add optional coverage to your policy such as the collision and comprehensive coverage.

How can I save on my Quebec auto insurance premium?

Groupement des assureurs automobiles and the Bureau d’assurance du Canada outline five major ways to save on your auto insurance premium in Quebec. These include driving carefully, choosing your vehicle wisely, bundling your policies, asking for a higher deductible on your policy, and shopping around for cheaper coverage.

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Average Auto Insurance Rates By Province

Year
Rate Change
British Columbia
$1,680
Ontario
$1,445
Alberta
$1,251
Newfoundland and Labrador
$1,132
Manitoba
$1,080
Northwest Territories
$978
Nunavut
$963
Saskatchewan
$936
Nova Scotia
$842
New Brunswick
$819
Yukon
$812
Prince Edward Island
$796
Quebec
$661