{"id":210580,"date":"2024-07-31T12:10:00","date_gmt":"2024-07-31T16:10:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/how-does-car-insurance-work-in-quebec\/"},"modified":"2025-11-24T15:34:09","modified_gmt":"2025-11-24T20:34:09","slug":"how-does-insurance-function-auto-quebec","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/how-does-insurance-function-auto-quebec\/","title":{"rendered":"How Does Car Insurance Work in Quebec?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The field of insurance, including <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a>, is a complex one. But before you <a href=\"https:\/\/milesopedia.com\/en\/compare-car-insurance\/\">compare car insurance quotes<\/a> and buy insurance, it\u2019s essential to know the basics to ensure you have the right insurance coverage. By the way, did you know that <strong>car insurance in Quebec<\/strong> works differently from the rest of Canada? That&#8217;s what we explain in this article, as well as sharing with you our best tips for saving on your insurance premiums.<\/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=\"177791\"\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;How does car insurance in Quebec work, and how is it different from the rest of Canada?&#8221; css=&#8221;&#8221; el_id=&#8221;how_does_car_insurance_in_quebec_work_and_how_is_it_different_from_the_rest_of_canada_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Unlike the rest of Canada, Quebec residents are insured 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\/new-arrivals-driving-licenses-car-quebec\/\">driver&#8217;s license<\/a> or not. This means that anyone residing in Quebec is entitled to compensation if they are injured in an accident involving a road vehicle.<\/p>\n<p>Both the person responsible for the accident and the person involved in the collision are covered for bodily injury. 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). What\u2019s more, you won\u2019t be able to sue for any bodily injury caused in the incident.<\/p>\n<p>This public insurance 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][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Public and Private Car Insurance in Quebec&#8221; css=&#8221;&#8221; el_id=&#8221;public_and_private_car_insurance_in_quebec&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#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\">In Quebec, there are two different insurance plans:<\/p>\n<ul>\n<li><strong>Public insurance<\/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 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>Both public and private plans are needed to cover all medical expenses, and more.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;SAAQ Public Insurance for Quebec Residents&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;saaq_public_insurance_for_quebec_residents&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#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\">Quebec residents are automatically insured by the SAAQ. This insurance coverage compensates you for injuries sustained in an accident involving a road vehicle. Under this system, those involved in an accident cannot sue each other in court.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Private Car Insurance from an Insurance Company&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;private_car_insurance_from_an_insurance_company&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Not all medical expenses are covered by SAAQ public insurance. You must therefore take out private insurance to cover any expenses not covered (Chapter A). This private <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> can also cover the cost of damage to your vehicle in the event of an at-fault accident, and much more (Chapter B).<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Car Insurance in Quebec &#8211; Explanation of Private Insurance Coverage&#8221; css=&#8221;&#8221; el_id=&#8221;car_insurance_in_quebec_-_explanation_of_private_insurance_coverage&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>As mentioned above, you must take out private <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> with an insurance company. This private insurance comprises two parts: Chapter A (mandatory) and Chapter B (optional).<\/p>\n<ul>\n<li><strong>Chapter A<\/strong>: <strong>Mandatory<\/strong> liability insurance (Chapter A) covers bodily injury to another person (not covered by the SAAQ) and property damage caused by your vehicle.<\/li>\n<li><strong>Chapter B<\/strong>: <strong>Optional<\/strong> insurance (Chapter B) covers damage to your vehicle if you are at fault, as well as theft and vandalism.<\/li>\n<\/ul>\n<p>Here&#8217;s more information on Chapters A and B.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Quebec Car Insurance &#8211; Chapter A: Mandatory Liability Insurance&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;quebec_car_insurance_-_chapter_a_mandatory_liability_insurance&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In Quebec, you are required by law to carry a minimum of $50,000 in <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">liability insurance<\/a>. This is known as Chapter A of the \u201cFormule de Police du Qu\u00e9bec\u201d, often referred to as \u201cone way insurance\u201d in Quebec.<\/p>\n<p>It covers bodily injury caused to another person, which is not covered by the SAAQ, as well as property damage caused by your vehicle. What&#8217;s more, damage to your vehicle in a collision will be covered if you are not at fault for the accident.<\/p>\n<p>Although the minimum amount of <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">liability insurance<\/a> is $50,000, it can be as much as $1M or $2M. This is generally recommended by insurance companies.<\/p>\n<p>If you don&#8217;t have Chapter A insurance, you could be fined and have your driver&#8217;s license suspended.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Quebec Car Insurance &#8211; Chapter B: Optional Private Insurance&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;quebec_car_insurance_-_chapter_b_optional_private_insurance&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Chapter B insurance coverage is <strong>optional<\/strong>. By law, you don\u2019t have to take out optional insurance to drive your vehicle in Quebec. However, it is desirable in many situations, such as when buying a new car. This protection is often referred to as \u201ctwo way insurance\u201d in Quebec.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#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\">With Chapter B, your insurance coverage will depend on the types of optional protection you have chosen, including&nbsp;:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/collision-insurance-canada\/\">Collision insurance<\/a><\/li>\n<li>Accidents without collision or upset (e.g. fire, theft, vandalism, hail, flood, 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<li>Endorsements (e.g. replacement value, roadside assistance, etc.)<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>For example, damage caused to your vehicle in the event of an accident (whether at fault or not) will be covered by <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/collision-insurance-canada\/\">collision insurance<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/all-risk-auto-insurance-canada\/\">comprehensive insurance<\/a>.<\/p>\n<p>Since property damage is covered in addition to medical expenses, it\u2019s all the more important to take out <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">liability insurance<\/a> well in excess of the minimum amount (not the law) of $50,000. In fact, insurance companies generally recommend coverage of one or two million dollars.<\/p>\n<p>Insurers can also offer you additional protection, known as \u201cendorsements\u201d. For example: replacement value, roadside assistance, vehicle rental insurance, excess waiver, personal insurance, etc. Of course, you&#8217;ll have to pay additional fees to obtain these protections.<\/p>\n<p>Although this optional insurance is more expensive, you get a much more complete <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;How to Get a Better Price for Your Car Insurance Premium?&#8221; css=&#8221;&#8221; el_id=&#8221;how_to_get_a_better_price_for_your_car_insurance_premium_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>That said, do you know how to reduce your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/how-does-insurance-function-auto-quebec\/\">car insurance <\/a>premiums? Here are some of our best tips for saving money&#8230;<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Increase Your Deductible Amount&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;increase_your_deductible_amount&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Increasing your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/\">insurance deductible<\/a> can reduce your car insurance premiums. Contact your current insurance company to find out about the different deductible options available to you&#8230; and the savings on your insurance premiums.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Bundle Your Home and Car Insurance&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;bundle_your_home_and_car_insurance&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>To reduce your insurance premiums, you can bundle your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/how-does-insurance-function-auto-quebec\/\">car insurance<\/a> with your <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">home insurance<\/a> on the same insurance policy. With our partner <a title=\"ClicAssure\" href=\"https:\/\/milesopedia.com\/en\/go\/clicassure\/\" rel=\"noindex\">ClicAssure<\/a>, you can save up to an additional 15% when you combine your car and home insurance.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Get Several Car Insurance Quotes Online&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;get_several_car_insurance_quotes_online&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Get several car <a href=\"https:\/\/milesopedia.com\/en\/compare-car-insurance\/\">insurance quotes online<\/a> and compare them before making a decision. Be sure to compare quotes for the same <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/types-auto-insurance-canada\/\">type of car insurance<\/a> and check conditions and exclusions, if any.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Negotiating with Your Car Insurance Company&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;negotiating_with_your_car_insurance_company&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Contact your insurance company and negotiate with the insurance agent. Demonstrate your exemplary driving record (and other relevant information) and mention any cheaper <a href=\"https:\/\/milesopedia.com\/en\/compare-car-insurance\/\">car insurance quotes<\/a> you\u2019ve obtained (see previous step).<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Contact a Car Insurance Broker&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;contact_a_car_insurance_broker&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>To reduce the number of quotes, contact an insurance broker like <a title=\"ClicAssure\" href=\"https:\/\/milesopedia.com\/en\/go\/clicassure\/\" rel=\"noindex\">ClicAssure<\/a>. They have access to several insurers and can present you with the best offer. What&#8217;s more, they often have access to exclusive offers and discounts. Request quotes that combine your car and home insurance on the same insurance policy.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In short, <strong>car insurance in Quebec<\/strong> works differently from the rest of Canada. First, Quebec residents are insured by the Soci\u00e9t\u00e9 de l\u2019assurance automobile du Qu\u00e9bec (<a target=\"_blank\" href=\"https:\/\/saaq.gouv.qc.ca\/en\/\">SAAQ<\/a>), whether or not they have 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. You must therefore take out private insurance with an <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">insurance<\/a> company. Private insurance comprises two parts: Chapter A (mandatory) and Chapter B (optional).<\/p>\n<p>To <a href=\"https:\/\/milesopedia.com\/en\/compare-car-insurance\/\">compare insurance quotes<\/a>, feel free to use our online car insurance comparison tool 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;What is the average price of car insurance in Quebec?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>According to the latest data, the average cost of <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 cost of car insurance can vary significantly depending on your age, gender, driving record, and where you live.<\/p>\n<p>[\/vc_toggle][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) pour conduire un v\u00e9hicule au Qu\u00e9bec. Depending on your needs, you can take out optional insurance (Chapter B), in particular to cover damage to your vehicle in the event of an accident.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Who is the cheapest car insurance provider?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Insurance providers determine <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/how-does-insurance-function-auto-quebec\/\">car insurance<\/a> premiums based on several factors, including your vehicle, your driving history, and where you live. So the cheapest insurer is not the same for everyone. On average, Quebec has the lowest cost of <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/how-does-insurance-function-auto-quebec\/\">car insurance<\/a> in Canada ($796\/year or $66.33\/month).<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Do I have to insure my car?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Yes, you are required to have <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/how-does-insurance-function-auto-quebec\/\">car insurance<\/a> to drive your car in Quebec. This insurance must include, as a minimum, $50,000 in <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">liability coverage<\/a> (Chapter A).<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Quebecers are different from other Canadians in many ways. That said, do you know how car insurance works in Quebec? That&#8217;s what we&#8217;ll explain in this article.<\/p>","protected":false},"author":2488,"featured_media":215007,"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-210580","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 v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Does Car Insurance Work in Quebec? | Milesopedia<\/title>\n<meta name=\"description\" content=\"Quebecers are different from other Canadians in many ways. That said, do you know how car insurance works in Quebec?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/how-does-insurance-function-auto-quebec\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Does Car Insurance Work in Quebec?\" \/>\n<meta property=\"og:description\" content=\"Quebecers are different from other Canadians in many ways. 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