Car insurance in Quebec: save up to $150*

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.

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.