The Quebec model: SAAQ + private insurer
| Layer | Managed by | What it covers | Paid through |
|---|---|---|---|
| Bodily injury | SAAQ | Injury, death, rehabilitation | Vehicle registration |
| Property damage | Private insurer | Vehicles, property, and liability | Insurance premium |
The most useful coverages
Civil liability
RequiredCovers property damage caused to others. The legal minimum is low, so many drivers choose 1M CAD or more.
Collision
Protects your own vehicle after a collision or impact with an object.
Comprehensive / special perils
Theft, vandalism, fire, broken glass, hail, and other non-collision damage.
All-risk package
Combines collision and comprehensive. Often useful for a newer or higher-value vehicle.
What drives the premium
Region
HighMontreal remains more expensive because of theft and traffic density, while regional areas are often materially cheaper.
Age and experience
Very highYoung drivers pay much more; years of safe driving matter a lot.
Driving record
Very highClaims and infractions can affect pricing for several years.
Vehicle and usage
HighModel risk, theft profile, annual mileage, and personal vs business use all move the premium.
Typical 2026 price ranges
| Profile | Montreal | Laval / South Shore | Regions |
|---|---|---|---|
| Young driver | 2,800 to 4,500 CAD | 2,200 to 3,500 CAD | 1,800 to 2,800 CAD |
| Driver aged 25-39 | 1,400 to 2,200 CAD | 1,100 to 1,700 CAD | 900 to 1,400 CAD |
| Driver aged 40-59 | 1,100 to 1,700 CAD | 850 to 1,350 CAD | 700 to 1,100 CAD |
Practical ways to pay less
1
Shop the renewal every year
Price gaps between insurers can be large even when coverage is similar.
2
Bundle auto and home
Bundling remains one of the easiest discounts to unlock.
3
Adjust the deductible
A higher deductible often lowers the premium if you can absorb it from savings.
4
Trim unnecessary protections
On an older car, some coverages can cost more than the realistic value they protect.
Frequently asked questions
Does the SAAQ cover everything?
No. It mainly covers bodily injury. Property damage is handled by a private insurer based on your policy.
Why is Montreal more expensive?
Vehicle theft, traffic density, and claim frequency all push premiums higher there.
Is Uber or delivery use covered automatically?
Not by default. Commercial use must be declared or a claim may be denied.
Place auto insurance inside the full budget
The right level of coverage also depends on your budget, your vehicle, and the rest of your protection stack.