Car insurance in Quebec: save up to $150*

Looking for car insurance? You’re in the right place! Get great deals on auto insurance and a simplified online experience with belairdirect.

Car insurance for Quebec drivers

Being stuck on the 15 from Laval to Montréal is never fun, but having the right car insurance coverage can lower your stress levels. Crossing the bridge from Lévis to Québec City for work? Whenever you need help with a claim, we’ll be there to support you, 24/7. Whether you drive an SUV, minivan, truck or sedan, you can find great deals and the coverage you need in Quebec with belairdirect.

What coverage do you need in Quebec?

All drivers in Quebec are required by law to have Civil Liability Coverage. Looking to level up? You can also choose from a wide range of standard and optional insurance options based on your car, lifestyle and budget.

Learn more about the different coverage types with our guide to car insurance coverage in Canada.Learn more about the different coverage types with our guide to car insurance coverage in Canada.

Mandatory coverage in Quebec

All drivers in Quebec are required by law to have Civil Liability Coverage.


Civil liability coverage

Civil Liability Coverage in Quebec will protect you if you’re responsible for injuring someone or damaging someone else’s property. For example, if you accidentally hit a light post with your car or injure someone while you're driving. It pays for damage done to others or damages to your car when you’re not at-fault for the accident.

Standard coverage in Quebec

Get additional protection for damage to your vehicle with these standard auto insurance coverage options in Quebec.


Collision and Upset

Pays for repairs to your car when you're responsible for hitting someone or something with your car.

It covers:

  • collision with another car
  • hitting an object
  • collision with a person or an animal
  • car flips over
  • hit-and-run accident

Learn more about direct collision and upset


All Perils other than Collision or Upset

Covers broken glass and all damage not related to a collision or if your car flips over.


Specific Perils

Protects your car against specific types of damage and theft.

Optional coverage for Quebec drivers

Extend your auto insurance to match your driving style and your car with these optional add-ons for Quebec drivers.


Accident Forgiveness

Prevents the price of your insurance from going up as a direct result of your first two at-fault accidents.

Learn More about accident forgiveness


belairdirect roadside assistance®

Provides 4 emergency services per membership year when you run into trouble on the road.



Offers several options to expand your protection in case of an accident.


Replacement cost protection

Replaces your car with a new car with similar specifications, accessories and equipment, if the car is stolen or damaged beyond repair.

Get a quick car insurance quote in Quebec and buy online

  • 1 Get a quick quote Get an online quote in just a few minutes. You don’t even have to talk on the phone!
  • 2 Buy the coverage you need Customize your coverage to fit your needs and your budget, and then buy online instantly.
  • 3 Manage your insurance online Manage your insurance and submit claims online or on the belairdirect app, 24/7.

How to get cheaper car insurance in Quebec

Insurance companies use a whole range of factors to calculate your premium. Here’s what you can do to get cheaper car insurance in Quebec!

Bundle your home and car insurance

Getting your home and car insurance with a single insurance company will allow you to save both time and money!

Increase your deductible

Increasing your deductible can help you get a lower monthly car insurance premium. If you rarely make any claims, this will save you money in the long run.

Choose a car with safety features

A car that’s equipped with safety features like blind spot monitoring, crash prevention or an anti-theft alarm can help you get cheaper car insurance, as you’re less likely to get into an accident or have your car stolen.

Reduce your mileage

Reducing how far and how often you drive should make your car insurance premium cheaper. If possible, use public transportation or carpool for your commute – it’s better for the environment too!

Drive together, save together

Do you have several family members or even roommates in your household who drive? Having them all insured with the same insurance company can help lower your premium.

Park your car in a safe place

Parking your car in a garage or driveway can protect your car from theft or vandalism, and get you a discount on your car insurance!

Auto insurance discounts available in Quebec

Online savings

Save even more on your car insurance when you get a quote online!

Bundle Car + Home

You can save up to 15% when you combine your home insurance and car insurance with us.

Multi-vehicle discount

The more the merrier! If you're a household with more than one vehicle, you could get a multi-vehicle discount of up to 10%.

Electric vehicles

Eco-friendly choices reduce your insurance payment as well as your emissions. Save up to 20% when you drive a hybrid or electric vehicle.

See all discounts

Smart digital perks

With the belairdirect app, you get so much more from your car insurance. Manage your insurance anytime and access proof of insurance on the go. Get a personalized premium based on your driving habits with automerit®, as well as smart digital features that help keep you safe on the road.

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Severe weather alerts
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Crash Assist
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Pink Slip
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Car Care

Learn more about the belairdirect mobile app

More questions about car insurance in Quebec?

To add a driver to your car insurance, simply open the belairdirect app or log into the Client Center. Then, select your vehicle and click "Edit my coverage" or tap "Modify my policy".

Your insurance premium will be adjusted based on criteria such as the age, driving record and years of experience of the added driver.

If you have a child who drives your car, you need to add them as driver to your insurance policy. As they gain insurance experience, they might be able to pay less for their own coverage in the future.

In Quebec, no-fault insurance is a public insurance plan that provides compensation in the event of a traffic accident resulting in injury or death. This public insurance covers all residents of Quebec regardless of if they are responsible for the accident. All victims are covered according to a scale calculated by the SAAQ.

However, this coverage does not replace private car insurance. The law requires that all vehicle owners in Quebec also have private car insurance with civil liability coverage of at least $50,000. We can help you choose the auto insurance coverage that will fit your needs.

Yes, in Quebec you can lend your car to anyone with a valid driver’s licence. Remember that when you lend your car you also lend your insurance. If the person gets into an accident, you will be covered based on your own insurance policy.

  • If the driver is at fault in an accident, collision coverage will cover you as if you were driving
  • In an accident where the driver is not at fault, you will be covered, even if you only have liability coverage.

Anyone who drives your car frequently should be added to your insurance policy as a driver.

Learn more about lending your car to a friend

In Quebec, your car insurance premiums are calculated based on multiple factors including:

  • the car you drive (the type, make, model, year, value equipment)
  • your driving history & record (number of years you’ve been driving, number of years you’ve been insured, accidents and tickets, SAAQ driving record)
  • How much you drive (how often and how far you drive)
  • where you live (urban areas, rural areas…)
  • The type of coverage you chose (adding optional coverage affects your rate)

Learn more about how car insurance premium is calculated

The SAAQ (Société de l’ assurance automobile) insures all Quebec residents in case of injury or death because of a traffic accident, no matter who caused the accident and where it occurred. In Quebec, the law also requires that you have private car insurance with civil liability coverage of at least $50,000 to cover damages caused to your car or someone else's.

Additionally, this insurance can cover injuries or other physical damages caused to others that are not covered by the SAAQ or any other government plan.

Lastly, it covers damages to your car caused by an accident for which you are not at fault.

If you can't present valid proof of insurance when stopped by a police officer, you could be fined to up to $2,800. And if you're involved in a car accident without insurance, you could lose your driver's licence and be required to pay for the damages caused to others.

Not sure what coverage best fits your needs? We can help!

Quebec has the lowest car insurance rates in Canada, but you can save even more by comparing insurance quotes.

Here a few tips to keep in mind when comparing auto insurance quotes:

  • consider both the price and the coverage you get
  • Make sure you get a cheaper quote when you bundle up car and home insurance
  • Save money by insuring more than one vehicle
  • Get rewarded for safe driving habits with a program like automerit

Saving money on auto insurance is only worthwhile if it doesn't compromise your protection. You should always review the different insurance options offered and make sure you understand which are the best ones for you.

With belairdirect you can save no matter what type of coverage you need. Learn more about our insurance savings and offers

It’s possible. Due to your lack of a driving record, your rates may be higher than someone with several years of experience, as we don’t know your driving habits yet.

All is not lost! We offer different savings options.

When possible, consider applying as a secondary driver under a parent's insurance policy. This allows you to pay a much smaller premium while allowing you to build up your auto insurance history.

You are studying in CEGEP or at the University? Enjoy our discounts fit for your lifestyle as a student!

At last, receive fair pricing based on the way you drive with automerit. Most of our customers save money with automerit, thanks to their good driving habits.

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