See Your Cheapest Car Insurance Quotes in Just 1 Minute!
Compare Rates From 25+ Canada's Auto Insurance Companies
Auto Insurance In Quebec
Quebec is the largest French speaking province in Canada and the second largest (after Ontario) overall. It is also the country’s largest province in terms of area and is bordered to the west by the province of Ontario, James Bay, and Hudson Bay; to the north by Hudson Strait and Ungava Bay; to the east by the Gulf of Saint Lawrence and the province of Newfoundland and Labrador; and to the south by the province of New Brunswick and the US states of Maine, New Hampshire, Vermont, and New York. It also shares maritime borders with Nunavut, Prince Edward Island, and Nova Scotia.
As massive as Quebec is, its 8,164,000 inhabitants (2016) are mostly located in major urban areas between Montreal and Quebec City. The former is the largest city in the province, while the latter serves as the capital. For example, more than half of all Quebeckers live in the Greater Montreal Area.
Quebec has a lot going for it. The province is home to amazing scenic drives that just make people want to get in their vehicles for a day on the road. However, it is always good to remember that driving in Quebec requires mandatory levels of auto insurance. With Shop Insurance Canada, you can make sure you are protected when driving in “La Belle Province.”
Quebec Car Insurance Rates
Drivers in the province have access to a pure no-fault car insurance system. This model is widely used in Canada and means you get compensation from your own insurance policy, whether you or someone else was at fault during a collision. Quebec operates among the most unique auto insurance markets in Canada. As you may know, the country is split up between provinces that run a private insurance company model and those that run a public government-supplied model.
In Quebec, there is a market that blends the two. Private individual companies set premium rates for property damage protection within a car insurance policy. A government agency called the Société de l'assurance automobile du Québec sets rates for the personal injury part of the coverage.
All auto insurers operating in Quebec are members of the Groupement des assureurs automobiles (GAA). This group relies on the Automobile Statistical Plan and the Fichier central des sinistres automobiles to guarantee fair rates for customers. This allows the province to be the most affordable insurance market in Canada.
Is car insurance in Quebec Cheap
A big yes.
The province has been the cheapest place to insure a vehicle since 2009. This is great news for customers and is a statistic that is worthy of much praise. Other major population areas like Ontario, Alberta, and British Columbia have prohibitively expensive rates. Indeed, Ontario is Canada’s most expensive insurance market with a $1,551 average premium. Remarkably, Quebec with a similar population has an average auto insurance rate of around $650. This amazing price is hundreds of dollars below the national average of $930. This is achievable because the province does not enforce strict insurance regulations like other regions. Also, the public insurance is limited to only offering bodily injury claims coverage.
Minimum coverage in Quebec
In Quebec, each driver will carry a minimum auto insurance policy mandated by the laws of the provinces.This coverage comes with the personal injuries portion delivered by the Société de l'assurance automobile du Québec (SAAQ), known as the Quebec Automobile Insurance Corporation in English. Private insurance then provides the property damage portion with a minimum legal coverage of $50,000. All Quebec motorists also receive these benefits from their SAAQ policy:
Funeral expenses: up to $4,913
Disability income: 90% of net annual income, up to $67,500/year
Impairment benefits: up to $229,887
Compare Car Insurance Quotes Online To Find the Cheapest Rate
While car insurance prices in Quebec are very affordable, customers should still try to get the best deal. Using services like ShopInsuranceCanada.ca is a way to ensure you get the most affordable premium and the best policy to meet your needs. By shopping around, you cover all the bases and know the policy you choose is at the best available price.
ShopInsuranceCanada.ca is home to a leading online quote tool that can give you the most affordable rates across more than 25 of Canada’s leading auto insurance providers.
Drivers in Quebec can use our tool and have their quotes in minutes. Using our easy use system, just give us some basic details about you and your vehicle and we will get the quotes to you in no time at all. There is never any obligation to buy and we never pass your data on to third parties.
Our team of brokers—not agents—works for you, not an auto insurance company. We are based in the Toronto, so understand the market and the challenges of insuring a vehicle in Canada. Shop Insurance Canada can quickly provide impartial advice when it matters most. We act as an intermediary between you and the auto insurance companies to find you the lowest Alberta car insurance quote available.
By: Luke Jones, published on August 20, 2018 10:45 AM
British Columbia is Canada’s most expensive auto insurance market in Canada, an upcoming rate increase will worsen the situation for customers. Motorists living in the Lower Mainland/Metro Vancouver region will be most affected by the premium hike, according to documents.
The Insurance ...
By: Luke Jones, published on August 20, 2018 08:03 AM
The broker network is a fabric of the Canadian insurance industry covering brokerages that are large, small, and everything in between. Some smaller brokers may believe that discussions on embracing technology are reserved for larger businesses, but the Insurance Bureau of Canada (IBC) insists ...
By: Luke Jones, published on August 20, 2018 07:37 AM
The spring floods that affected parts of New Brunswick are now being discussed potential “record setting” and “historic” despite not causing enough damage to be deemed a catastrophe event.
Catastrophe Indices and Quantification (CatIQ) categorises a cat event as one that deals over $25 ...