{"id":186230,"date":"2024-09-09T11:00:00","date_gmt":"2024-09-09T15:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=186230"},"modified":"2025-12-13T10:24:02","modified_gmt":"2025-12-13T15:24:02","slug":"difference-between-public-private-car-insurance-quebec","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/difference-between-public-private-car-insurance-quebec\/","title":{"rendered":"Public Car Insurance (SAAQ) and Private Insurance in Quebec: What\u2019s the Difference?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Several <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> 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\u2019s more, <a target=\"_blank\" href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/lc\/A-25\">Quebec\u2019s Automobile Insurance Act<\/a> 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&#8217;s what we&#8217;ll explain in this article.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Is Car Insurance Mandatory in Quebec?&#8221; css=&#8221;&#8221; el_id=&#8221;is_car_insurance_mandatory_in_quebec_&#8221;][vc_message css=&#8221;&#8221;]<\/p>\n<p>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.<\/p>\n<p>[\/vc_message][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>In Quebec, there are two different mandatory <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> plans:<\/p>\n<ul>\n<li><strong>Public car insurance (SAAQ)<\/strong>: offered by the Soci\u00e9t\u00e9 de l\u2019assurance automobile du Qu\u00e9bec (<a target=\"_blank\" href=\"https:\/\/saaq.gouv.qc.ca\/en\/\">SAAQ<\/a>) for all Quebec residents.<\/li>\n<li><strong>Private car insurance<\/strong>: must be taken out with an insurance company and comprises two parts: Chapter A (mandatory) and Chapter B (optional).<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Both public and private plans are needed to cover all medical expenses, and more. Here\u2019s more information on the two car insurance plans in Quebec.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210610,177791,186239,186225,210615,210616,210580,210612\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t\t\t\t<button type=\"button\" class=\"deferred_button\" data-page=\"1\" data-per_page=\"4\">\n\t\t\t\t<i class=\"fas fa-spinner-third fa-spin\"><\/i>\n\t\t\t\tLoad More\t\t\t<\/button>\n\t\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Public Car Insurance Offered by the SAAQ&#8221; css=&#8221;&#8221; el_id=&#8221;public_car_insurance_offered_by_the_saaq&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Unlike the rest of Canada, Quebec residents are insured (automatically) by the Soci\u00e9t\u00e9 de l\u2019assurance automobile du Qu\u00e9bec (<a target=\"_blank\" href=\"https:\/\/saaq.gouv.qc.ca\/en\/\">SAAQ<\/a>). All Quebecers are covered by this insurance, whether they have a <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-do-i-pay-for-my-drivers-licence-online-in-quebec\/\">driver&#8217;s license<\/a> or not.<\/p>\n<p><strong>SAAQ car insurance<\/strong> 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.<\/p>\n<p>For example, if you&#8217;re driving a road vehicle and hit a cyclist or pedestrian, everyone involved in the incident will be compensated by the SAAQ (whether you&#8217;re at fault or not).<\/p>\n<p><strong>SAAQ car insurance <\/strong>covers medical expenses, but does not cover damage to the vehicles involved in the accident. What\u2019s more, not all medical expenses are covered. That\u2019s why it\u2019s mandatory to take out private <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> in addition to public insurance.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210580\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Private Car Insurance&#8221; css=&#8221;&#8221; el_id=&#8221;private_car_insurance&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>As mentioned above, not all medical expenses are covered by <strong>SAAQ car insurance<\/strong>. You must therefore take out private insurance to cover any expenses not covered (Chapter A). Plus, private <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> can also cover damage to your vehicle in the event of an at-fault accident (Chapter B).<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Mandatory Private Insurance: Chapter A (Civil Liability)&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;mandatory_private_insurance_chapter_a_civil_liability_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Chapter A private car insurance is <strong>mandatory<\/strong> in Quebec. It essentially covers <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">civil liability<\/a>. In Quebec, it\u2019s often called \u201cone-sided insurance\u201d. If you don&#8217;t have Chapter A insurance, you could be fined and have your driver&#8217;s license suspended.<\/p>\n<p>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. Additionally, damage to your vehicle in a collision will be covered if you are not at fault for the accident. You must get this insurance through an insurance company or a broker such as <a title=\"ClicAssure\" href=\"https:\/\/milesopedia.com\/en\/go\/clicassure\/\" rel=\"noindex\">ClicAssure<\/a>.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The minimum amount of <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">liability insurance<\/a> is $50,000 in Quebec. However, insurance companies generally recommend coverage of one or two million dollars. <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">Civil liability insurance<\/a> offers you the following coverage:<\/p>\n<ul>\n<li><strong>Bodily injury<\/strong> caused to persons outside Quebec that is not covered by the SAAQ.<\/li>\n<li><strong>Material damage<\/strong> to other people\u2019s property, such as their homes or fences.<\/li>\n<li><strong>Material damage<\/strong> to your property if you are not responsible.<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210615\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Finally, you should always carry your driver\u2019s license, registration certificate and private car insurance certificate with you when driving on the road.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Optional Private Insurance: Chapter B (Damage to Your Vehicle)&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;optional_private_insurance_chapter_b_damage_to_your_vehicle_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Chapter B car insurance coverage is <strong>optional<\/strong>. However, it is desirable in many situations, such as when buying a new car. In Quebec, it\u2019s often referred to as \u201ctwo-sided insurance\u201d. Your Chapter B insurance coverage varies according to the optional coverages you have chosen:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/collision-insurance-canada\/\">Collision insurance<\/a><\/li>\n<li>Comprehensive accidents (e.g. theft, vandalism, fire, flood, hail, etc.)<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/all-risk-auto-insurance-canada\/\">Comprehensive insurance<\/a><\/li>\n<li>Specific risks (list of risks specified in your insurance policy)<\/li>\n<\/ul>\n<p>For example, if you choose <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/collision-insurance-canada\/\">collision car insurance<\/a> or <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/all-risk-auto-insurance-canada\/\">comprehensive insurance<\/a>, damage to your vehicle will be covered, whether you are at fault or not.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210616,210612\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Insurance companies can also offer you additional coverage, called \u201cendorsements\u201d. For example, replacement value, roadside assistance, claims without deductible or personal insurance. Of course, you&#8217;ll have to pay additional fees to obtain these protections.<\/p>\n<p>Chapter B car insurance is optional and more expensive, so you get a much more comprehensive <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> package.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; css=&#8221;&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In short, <strong>SAAQ public car insurance<\/strong> covers Quebec residents (with or without a <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-do-i-pay-for-my-drivers-licence-online-in-quebec\/\">driver\u2019s license<\/a>). However, it does not cover all medical expenses. That\u2019s why you need to take out private <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> with an insurance company, which consists of two parts: Chapter A (mandatory) and Chapter B (optional).<\/p>\n<p>To compare insurance quotes, feel free to use our online <a href=\"https:\/\/milesopedia.com\/en\/compare-car-insurance\/\">car insurance comparison tool<\/a> to find the one that best suits your needs.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Frequently Asked Questions About Car Insurance in Quebec&#8221; css=&#8221;&#8221; el_id=&#8221;frequently_asked_questions_about_car_insurance_in_quebec&#8221;][vc_toggle title=&#8221;Is car insurance mandatory in Quebec?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Yes, you are required to take out <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">civil liability insurance<\/a> (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).<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How can I access my SAAQclic account?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Go to <a target=\"_blank\" href=\"https:\/\/saaqclic.saaq.gouv.qc.ca\">SAAQ online services<\/a>. Go to SAAQ online services. Click on \u201cConnect\u201d 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.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What is the average premium or price of car insurance in Quebec?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>The average cost of private <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/how-does-insurance-function-auto-quebec\/\">car insurance<\/a> 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. This is in addition to <strong>SAAQ public car insurance<\/strong>.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How do I reach the SAAQ by telephone?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>The SAAQclic portal provides quick access to SAAQ services. Otherwise, you can reach the SAAQ by telephone at 1&nbsp;800 361-7620 during weekdays.<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Do you know the difference between public car insurance (SAAQ) and private insurance in Quebec? Find out more in this article.<\/p>","protected":false},"author":2488,"featured_media":406436,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[46377],"tags":[],"mc_loyalty_program":[],"class_list":["post-186230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","mc_market-quebec-en"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Public Car Insurance (SAAQ) and Private Insurance in Quebec: What\u2019s the Difference? | Milesopedia<\/title>\n<meta name=\"description\" content=\"Do you know the difference between public car insurance (SAAQ) and private insurance in Quebec? 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