Average Annual Premium
Québec continues to have the lowest car insurance premiums in Canada, averaging around $750–$800 per year.
This is largely due to its hybrid public–private insurance model, where:
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SAAQ covers injury claims (public, no‑fault system)
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Private insurers cover property damage and civil liability
Why Québec’s Rates Stay Low
1. Public No‑Fault Injury Coverage
The SAAQ handles all bodily injury claims, eliminating lawsuits and reducing legal costs — a major factor keeping premiums low.
2. Private Competition for Vehicle Damage
Drivers buy civil liability and vehicle damage coverage from private insurers, which encourages competitive pricing.
What’s Changing in 2026
SAAQ Contribution Increase
In 2026, SAAQ raised its injury‑insurance contribution by $15–$30 per year, depending on engine size.
Repair Costs Are Rising
Material claim costs have increased 12% since 2024, driven by ADAS sensors, cameras, and expensive calibrations.
Telematics Discounts Expanding
At least four Québec insurers now offer telematics programs, giving 10–25% discounts for safe driving.
Typical Premium Ranges (2026)
Based on Québec insurer data:
| Driver Profile | Liability (RC) | Full Coverage (All Perils) |
|---|---|---|
| 30–45, clean record | $45–$75/mo | $110–$175/mo |
| Young driver (18–24) | $65–$110/mo | $150–$220/mo |
| 50–64 years old | $40–$65/mo | $95–$155/mo |
| EV/Hybrid vehicle | $55–$90/mo | $125–$190/mo |
| High‑theft‑risk vehicle | $60–$95/mo | $130–$195/mo |
City‑Level Trends
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Montréal — High premiums (theft + traffic congestion)
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Laval — Slightly above average
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Québec City — Stable, good cost/coverage balance
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Sherbrooke — Lower than major centres
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Saguenay — Often among the lowest
Key Factors Affecting Québec Premiums
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Vehicle theft risk (SUVs especially)
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Parking location (street vs. driveway vs. garage)
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Annual mileage and usage type
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Driving record and claims history
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ADAS‑equipped vehicles (higher repair costs)
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Deductible level and optional endorsements
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Telematics score (if enrolled)
How Québec Drivers Can Save in 2026
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Compare at least 3 quotes with identical coverage
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Choose $2M liability (small price difference, much better protection)
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Increase deductible to $1,000 (8–15% savings)
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Use telematics for 10–25% discounts
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Install a tracker on high‑risk vehicles
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Bundle home + auto for multi‑policy discounts
