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Public car insurance (SAAQ) and private insurance in Quebec: What’s the difference?

To the point Do you know the difference between public car insurance (SAAQ) and private insurance in Quebec? Find out more in this article.

Several car insurance plans are available in Canada. Depending on your province of residence, some are mandatory, while others are optional. In Quebec, car insurance is mandatory. What’s more, Quebec’s Automobile Insurance Act distinguishes between two types of coverage: bodily injury and property damage (civil liability). But do you know the difference between public car insurance (SAAQ) and private insurance in Quebec? That’s what we explain in this article.

Is car insurance mandatory in Quebec?

Car insurance is mandatory in Canada. However, each province and territory imposes minimum insurance coverage requirements, generally focusing on liability insurance for bodily injury and property damage. In Quebec, these are SAAQ public car insurance and mandatory private car insurance.

In Quebec, there are two different mandatory car insurance plans:

  • Public car insurance (SAAQ): offered by the Société de l’assurance automobile du Québec (SAAQ) for all Quebec residents.
  • Private car insurance: must be taken out with an insurance company and comprises two parts: Chapter A (mandatory) and Chapter B (optional).

Both public and private plans are needed to cover all medical expenses, and more. Here’s more information on the two car insurance plans in Quebec.

Public car insurance offered by SAAQ

Unlike the rest of Canada, Quebec residents are insured (automatically) by the Société de l’assurance automobile du Québec (SAAQ). All Quebecers are covered by this insurance, whether they have a driver’s license or not.

SAAQ car insurance coverage compensates you for injuries sustained in an accident involving a road vehicle, whether in Quebec or abroad. Both the person responsible for the accident and the person involved in the collision are covered for bodily injury. Under this system, those involved in an accident cannot sue each other in court.

For example, if you’re driving a road vehicle and hit a cyclist or pedestrian, everyone involved in the incident will be compensated by the SAAQ (whether you’re at fault or not).

SAAQ car insurance covers medical expenses, but does not cover damage to the vehicles involved in the accident. What’s more, not all medical expenses are covered. That’s why it’s mandatory to take out private car insurance in addition to public insurance.

Private car insurance

As mentioned above, not all medical expenses are covered by SAAQ car insurance. You must therefore take out private insurance to cover any expenses not covered (Chapter A). What’s more, private car insurance can also cover damage to your vehicle in the event of an at-fault accident (Chapter B).

Mandatory private insurance: Chapter A (Civil liability)

Chapter A private car insurance is mandatory in Quebec. It essentially covers civil liability. In Quebec, it’s often called “one-sided insurance”. If you don’t have Chapter A insurance, you could be fined and have your driver’s license suspended.

This protection covers bodily injury caused to another person, which is not covered by the SAAQ, as well as property damage caused by your vehicle. What’s more, damage to your vehicle in a collision will be covered if you are not at fault for the accident. You need to obtain this insurance from an insurance company or broker like YouSet.

The minimum amount of liability insurance is $50,000 in Quebec. However, insurance companies generally recommend coverage of one or two million dollars. Civil liability insurance offers you the following coverage:

  • Bodily injury caused to persons outside Quebec that is not covered by the SAAQ.
  • Material damage to other people’s property, such as their homes or fences.
  • Material damage to your property if you are not responsible.

Finally, you should always carry your driver’s license, registration certificate and private car insurance certificate with you when driving on the road.

Optional private insurance: Chapter B (Damage to your vehicle)

Chapter B car insurance coverage is optional. However, it is desirable in many situations, such as when buying a new car. In Quebec, it’s often referred to as “two-sided insurance”. Your Chapter B insurance coverage varies according to the optional coverages you have chosen:

For example, if you choose collision car insurance or comprehensive insurance, damage to your vehicle will be covered, whether you are at fault or not.

Insurance companies can also offer you additional coverage, called “endorsements”. For example, replacement value, roadside assistance, claims without deductible or personal insurance. Of course, you’ll have to pay additional fees to obtain these protections.

Chapter B car insurance is optional and more expensive, so you get a much more comprehensive car insurance package.

Bottom Line

In short, SAAQ public car insurance covers Quebec residents (with or without a driver’s license). However, it does not cover all medical expenses. That’s why you need to take out private car insurance with an insurance company, which consists of two parts: Chapter A (mandatory) and Chapter B (optional).

To compare insurance quotes, feel free to use our online car insurance comparison tool to find the one that best suits your needs.

Frequently asked questions about car insurance in Quebec

Is car insurance mandatory in Quebec?

Yes, you are required to take out civil liability insurance (Chapter A) to drive a vehicle in Quebec. To cover damage to your vehicle in the event of an accident, you must take out optional insurance (Chapter B).

How can I access my SAAQclic account?

Go to SAAQ online services. Click on “Connect” and create your Government Authentication Service account (if this is your first connection to SAAQclic). Then confirm your SAAQ identification number and follow the next steps to access your SAAQclic account.

What is the average premium or price of car insurance in Quebec?

The average cost of private car insurance in Quebec is $796 per year or $66.33 per month. However, the price of car insurance varies according to your driving record, place of residence, age and gender. It is in addition to SAAQ public car insurance.

How do I reach the SAAQ by telephone?

The SAAQclic portal provides quick access to SAAQ services. Otherwise, you can reach the SAAQ by telephone at 1 800 361-7620 during weekdays.

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Vincent Morin
My name is Vincent and I've been a stay-at-home parent to two young boys since achieving financial independence in 2021 (FIRE). Previously, I worked for 12 years in financial technology for a major US investment bank (G-SIB). I'm passionate about personal finance, stock market investing, reading, writing, cycling and gardening. I'm also the founder of Retraite 101, a personal finance blog followed by over 20,000 people on social networks and quoted in several media, blogs and finance books. Despite early retirement, I continue to write about personal finance to share my passion with Quebecers and motivate them to take charge of their finances.

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