{"id":10750,"date":"2025-08-19T05:01:27","date_gmt":"2025-08-19T05:01:27","guid":{"rendered":"https:\/\/youset.ca\/?p=10750"},"modified":"2026-03-16T12:13:58","modified_gmt":"2026-03-16T12:13:58","slug":"this-is-how-car-insurance-works-in-quebec","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/this-is-how-car-insurance-works-in-quebec\/","title":{"rendered":"This Is How Car Insurance Works in Quebec"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">Quebec has a unique setup when it comes to <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/\"><span style=\"font-weight: 400;\">car insurance<\/span><\/a><span style=\"font-weight: 400;\">. While other provinces like British Columbia, Manitoba, and Saskatchewan also have public auto insurance, Quebec stands out for how it splits responsibilities between public and private insurers.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Confused by this two-part system? Not sure what you actually need to buy? Don\u2019t worry, you\u2019re not alone.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">This article breaks down how car insurance works in Quebec, step by step. Whether you <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/first-time-car-insurance\/\"><span style=\"font-weight: 400;\">just got your license<\/span><\/a><span style=\"font-weight: 400;\">, bought your first car, <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/moving-to-quebec-from-another-province-to-do-list\/\"><span style=\"font-weight: 400;\">moved to the province<\/span><\/a><span style=\"font-weight: 400;\">, or simply need a no-nonsense refresher, in the next few minutes, you\u2019ll learn what\u2019s covered automatically and what you still need to get for yourself.\u00a0<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_5e77e255468abd7d8b12577abac7bfaa\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Key takeaways<\/p>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><p><span style=\"font-weight: 400\">Quebec car insurance operates on a two-part system: residents are automatically enrolled in the public car insurance plan (SAAQ), which covers injury-related costs, and the law also mandates that residents have a private auto insurance policy from a licensed third-party provider that includes at least $50,000 in third-party liability coverage.<\/span><\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-quebec-car-insurance-work-public-vs-private\">How does Quebec car insurance work? Public vs. private<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Quebec car insurance works through a unique two-part system where, essentially, the public insurance plan covers people (bodily injury), and private insurance covers property (vehicle and property damage).\u00a0<\/span> <span style=\"font-weight: 400;\">Every Quebec resident is automatically enrolled in the public car insurance plan, known as the Soci\u00e9t\u00e9 de l\u2019assurance automobile du Qu\u00e9bec (SAAQ), which covers injury-related costs.\u00a0<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">However, it\u2019s <\/span><i><span style=\"font-weight: 400;\">also <\/span><\/i> <span style=\"font-weight: 400;\">mandatory by law to have a private car insurance policy from a licensed private insurance provider (like YouSet!) that includes <\/span><a href=\"https:\/\/saaq.gouv.qc.ca\/en\/traffic-accident\/public-automobile-insurance-plan\/in-brief\"><span style=\"font-weight: 400;\">at least $50,000 in third-party liability coverage<\/span><\/a><span style=\"font-weight: 400;\">.<\/span> <span style=\"font-weight: 400;\">Keep in mind, $50,000 is just the legal minimum. If you rely solely on that amount and the coverage offered by the public plan, you\u2019ll be entirely financially responsible for any damage to your own vehicle caused by:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Collisions with other vehicles<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Collisions with stationary objects (ex. trees, fences, street lights, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Collisions with road hazards (ex. potholes, debris, uneven pavement, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Hit-and-runs<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/youset.ca\/en\/blog\/does-insurance-cover-stolen-cars-in-canada\/\"><span style=\"font-weight: 400;\">Car theft<\/span><\/a><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Weather (ex. hail, wind, ice, tornadoes, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Vandalism<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Fire&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Falling objects&nbsp;<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/youset.ca\/en\/blog\/does-insurance-cover-rental-cars\/\"><span style=\"font-weight: 400;\">Rental car<\/span><\/a> <span style=\"font-weight: 400;\"> while your vehicle is in the repair shop&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<\/ul>\n\n\n\n<p>\u00a0<span style=\"font-weight: 400;\">So, when buying car insurance from a private provider in Quebec, it\u2019s strongly recommended to consider additional coverage options, especially if you\u2019re leasing or financing your vehicle. In which case, your lender or lease agreement may require you to have higher coverage limits or additional types of coverage, such as:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/youset.ca\/en\/blog\/third-party-liability-car-insurance\/\"><span style=\"font-weight: 400;\">Third-party liability<\/span><\/a> <span style=\"font-weight: 400;\"> coverage limit up to $2 million<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/youset.ca\/en\/blog\/what-is-collision-coverage\/\"><span style=\"font-weight: 400;\">Collision coverage<\/span><\/a> <span style=\"font-weight: 400;\"> to repair or replace your vehicle after an accident<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/youset.ca\/en\/blog\/comprehensive-car-insurance-in-canada\/\"><span style=\"font-weight: 400;\">Comprehensive coverage<\/span><\/a> <span style=\"font-weight: 400;\"> for theft, vandalism, or weather-related damage&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n\t<section id=\"post-cta-block_75d32264b3ed8b092e1ef1f78628cd5c\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Get the best price on car insurance year-after-year<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=en&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Get a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-saaq-insurance-cover\">What does SAAQ insurance cover?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">The purpose of Quebec\u2019s public auto insurance, managed by the SAAQ (Soci\u00e9t\u00e9 de l\u2019assurance automobile du Qu\u00e9bec), is to protect you financially if you&#8217;re injured or killed in a traffic accident, whether the crash happens in or outside of the province, and regardless of who was at fault.<\/span>\n\n<span style=\"font-weight: 400;\">More specifically, the SAAQ plan covers a wide range of accident-related expenses, including:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Loss of income if you\u2019re unable to work<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Death benefits for surviving family members<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Funeral expenses<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Chiropractic care<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Physiotherapy<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Occupational therapy<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Psychological treatment<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Dental care<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Acupuncture<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Prescription medications<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Medical supplies and devices (ex. wheelchair)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Replacement of clothing or accessories worn at the time of the accident<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Home modifications (ex. wheelchair ramp)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">In-home care or personal assistance<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-pays-for-a-car-accident-in-quebec\">Who pays for a car accident in Quebec?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">In Quebec, who pays after a car accident depends on the type of damage and what coverage your private car insurance policy includes.\u00a0<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">If you\u2019re injured in a car accident, whether in Quebec or while driving outside the province, the SAAQ (public insurance) can help pay for things like:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Medical treatment&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Lost income&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Rehabilitation&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Death benefits<\/span><\/li>\n<\/ul>\n\n\n\n<p>&nbsp;\n\n<span style=\"font-weight: 400;\">If you accidentally cause injury or property damage to someone else in an accident, the liability portion of your private car insurance can help pay for things like:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Legal fees<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Medical bills for the injury you caused<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Repair or replacement costs for the property you damaged<\/span><\/li>\n<\/ul>\n\n\n\n<p>\u00a0<span style=\"font-weight: 400;\">If your <\/span><i><span style=\"font-weight: 400;\">own<\/span><\/i> <span style=\"font-weight: 400;\"> vehicle is damaged, your private insurance can help pay for repairs or replacement\u2014but only if you have the required coverage:\u00a0<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Collision coverage (covers repairs or replacement from collisions with another vehicle or object)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Comprehensive coverage (covers damage or loss from non-collision events)<\/span><\/li>\n<\/ul>\n\n\n\n<p>&nbsp;\n\n<span style=\"font-weight: 400;\">However, you will have to pay out of pocket after a car accident if:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">You don\u2019t have an <\/span><i><span style=\"font-weight: 400;\">active <\/span><\/i> <span style=\"font-weight: 400;\">private car insurance policy&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Your own vehicle is damaged, and you don\u2019t have collision and\/or comprehensive coverage<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">The cost of the damage exceeds your coverage limits<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">The damage falls under an exclusion in your policy<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">The damage was caused intentionally or during illegal activity<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-is-car-insurance-so-cheap-in-quebec\">Why is car insurance so cheap in Quebec?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Car insurance in Quebec is often much cheaper than in other provinces. For example, YouSet users in <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/location\/car-insurance-quebec\/\"><span style=\"font-weight: 400;\">Quebec pay an average of $75\/month,<\/span><\/a> <span style=\"font-weight: 400;\"> while those in <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/location\/car-insurance-ontario\/\"><span style=\"font-weight: 400;\">Ontario pay $220\/month<\/span><\/a><span style=\"font-weight: 400;\">, more than double!<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">So, why is car insurance so cheap in Quebec? Because it\u2019s split between private insurers and the government.\u00a0<\/span> <span style=\"font-weight: 400;\">In Quebec, the public plan (run by the SAAQ) covers injuries, medical expenses, and death benefits after a car accident. That means private insurance providers only have to cover things like property damage and third-party liability. Less coverage means lower prices.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Of course, Quebecers still help fund the public plan, just not through their insurance bill. Instead, they contribute through driver\u2019s licences and vehicle registration fees. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">For example, <\/span><a href=\"https:\/\/saaq.gouv.qc.ca\/en\/traffic-accident\/public-automobile-insurance-plan\/insurance-contributions\"><span style=\"font-weight: 400;\">$92.16 out of the $118.41<\/span><\/a> <span style=\"font-weight: 400;\"> Class 5 licence renewal fee in 2025 was allocated to the SAAQ\u2019s insurance fund<\/span> <span style=\"font-weight: 400;\">So while private car insurance premiums are lower in Quebec, part of the coverage is built into the fees you pay to drive in the province, meaning that you\u2019re still paying for coverage, just in a different way.<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-next-steps\">Next steps<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Now that you know what to look for, let <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=en&amp;externalId=blog\"><span style=\"font-weight: 400;\">YouSet<\/span><\/a> <span style=\"font-weight: 400;\"> do the heavy lifting. In under 4 minutes, our algorithms will compare quotes from top insurers, apply exclusive discounts, and find you the best deal\u2014automatically. Even better, we\u2019ll monitor your price at renewal and re-shop on your behalf if it goes up, so you keep getting the best price year after year.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quebec has a unique setup when it comes to car insurance. While other provinces like British Columbia, Manitoba, and Saskatchewan also have public auto insurance, Quebec stands out for how it splits responsibilities between public and private insurers. Confused by this two-part system? Not sure what you actually need to [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":10751,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[459],"tags":[],"class_list":["post-10750","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>This Is How Car Insurance Works in Quebec - YouSet<\/title>\n<meta name=\"description\" content=\"Speed camera tickets are unlikely to affect your car insurance premium since they cannot be tied to a specific driver.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/youset.ca\/en\/blog\/this-is-how-car-insurance-works-in-quebec\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"This Is How Car Insurance Works in Quebec\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/en\/blog\/this-is-how-car-insurance-works-in-quebec\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-19T05:01:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T12:13:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2025\/08\/How-does-car-insurance-work-in-Quebec-YouSet.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Emily May\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily May\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/this-is-how-car-insurance-works-in-quebec\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/this-is-how-car-insurance-works-in-quebec\\\/\"},\"author\":{\"name\":\"Emily May\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\"},\"headline\":\"This Is How Car Insurance Works in Quebec\",\"datePublished\":\"2025-08-19T05:01:27+00:00\",\"dateModified\":\"2026-03-16T12:13:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/this-is-how-car-insurance-works-in-quebec\\\/\"},\"wordCount\":991,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/this-is-how-car-insurance-works-in-quebec\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/How-does-car-insurance-work-in-Quebec-YouSet.webp\",\"articleSection\":[\"Car insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/this-is-how-car-insurance-works-in-quebec\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/this-is-how-car-insurance-works-in-quebec\\\/\",\"name\":\"This Is How Car Insurance Works in Quebec - 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