You could save up to $150* on your car insurance in Quebec

It pays to switch your car insurance to belairdirect!

belairdirect has the right car insurance coverage for Quebec drivers

Whether you're in Gatineau or Gaspésie, belairdirect has the car insurance coverage to fit all of your driving needs in Quebec.

We offer customized insurance plans with several ways that you can save. Our online quotes make it as easy as possible to choose the right insurance for you!

No matter if you’re stuck on the 15 going into Montreal from Laval or you live in Gatineau and commute into Ottawa for work everyday, belairdirect has the car insurance for Quebec’s roads to cover you.

Getting a car insurance quote in Quebec
has never been easier

Apply online or call us today to get a quote and see how much you could save on auto insurance in Quebec with belairdirect. It's simple, it's quick and it's absolutely free!

Personalize your car insurance coverage

Mandatory auto insurance coverages in Quebec

You are required by law to have Civil Liability Coverage no matter what car you drive in Quebec.


Civil liability coverage

Pays for damage done to others or damages to your car when you’re not at-fault for the accident

Standard coverages in Quebec

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


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 coverages for Quebec drivers

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


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.

What to expect when
driving in Quebec

The Royal Alexandra
Interprovincial Bridge

The Royal Alexandra Interprovincial Bridge (or the Alexandra Bridge, as the locals say) is a bridge that connects Ottawa, Ontario and Gatineau, Quebec over the Ottawa River. Every day, over 15,000 vehicles cross through the border.

Winter tires mandatory by law

In Quebec, winter tires are mandatory by law during the winter months. From December 15 to March 15, all passenger vehicles must be equipped with them.

Turning right on a red light

On the island of Montreal, you cannot turn right on a red light. Everywhere else in Quebec allows this practice unless specified.

Pothole repairs

Over the next 3 years, the Quebec government plans to spend over $75 million on pothole repairs throughout the province.

Bypassing a red light

In Quebec, you cannot cut through a gas station, parking lot or the local Tim Hortons to bypass a red light at an intersection.

Drive in Quebec

In order to drive in Quebec, you must be at least 16 years of age in order to get your learner's permit. You'll also need consent from a parent or legal guardian if you are under the age of 18. You'll have to pass a classroom component as well. Once you get the learner's permit you can take the test for the full licence after you have had 10 months of practice with another licensed driver beside you.

New drivers in Quebec

So you passed driver's licence test? Congratulations! Driving on your own is a big step in any young person’s life.

Being a new driver means you'll need insurance coverage. Due to your lack of a driving record, your rates may be higher than someone with several years of experience. Statistically speaking, young adults and teenagers between the ages of 20 to 24 are more likely to be involved in accidents resulting in injuries or death.

5 things you need to know when choosing car insurance coverage in Quebec

Just like the rest of Canada, car insurance is absolutely mandatory to be able to drive in Quebec. This ensures that all parties are covered in the event of an accident that causes property damage or personal injury. In Quebec, the minimum liability coverage required by the Automobile Insurance Act must cover third party liability property damage coverage you could cause to others.

The car insurance policy limits required by law in Quebec include:

Car Insurance Policy:
Limits Required by Law

Third party Liability:
50,000 of coverage. This minimum coverage is provided by private insurance companies.

Medical Payments:
Covered by the SAAQ.

Disability Income:
The SAAQ will cover 90% of your annual net income, up to $67,500. Impairment benefits will provide up to $229,887 worth of coverage.

Funeral Expenses:
Funeral Expenses You will receive up to $4,913.

The minimum amount of coverage required in Quebec is $50,000 to cover property damage. Personal injuries are covered by the SAAQ as part of their public auto insurance plan. This is why Quebecers have consistently paid the lowest car insurance rates in Canada since 2009. The minimum amount of coverage doesn't include all eventualities so to ensure you get the right amount of coverage you need, consult with our agents.

No-fault insurance is Quebec’s public automobile insurance plan used to handle bodily injuries or deaths related to automobile insurance claims in the province. It simply means that, regardless of which party is found responsible for an accident, they will be covered by the plan, regardless of who is at fault. This system is one of the founding principles of Quebec's auto insurance plan.

Whenever you have any doubts, check the policy in effect on the car. Insurance is applied to a vehicle, not the driver, and can be extended to multiple drivers. If you borrow a vehicle regularly, you're going to apply as a driver on the vehicle's insurance policy. If you're still not sure, always refer to the policy. Also, always remember: Driving an uninsured vehicle is against the law, no matter who's behind the wheel. Talk to your insurance agent to see what coverage options are best for you.

In the event that you wish to add a secondary driver to your policy so they can drive your vehicle, you'll need to contact your insurance agent. Several criteria may affect how much the new driver will have to pay such as age, marital status, their driving record and how long they've had their licence. Adding your children as secondary drivers could be an excellent way to bring down their insurance premiums while they are still a high risk to insure. Talk to your insurance agent to find the best coverage solutions for your situation.

In Quebec, if you're involved in an accident where you're proven to have not been at fault, you will not have to pay for the deductible on your car insurance. If the accident was a hit-and-run and you were not able to identify who hit you, the SAAQ may compensate you for any property damage you incurred

Ready to compare your current premium or get a new car insurance quote for Quebec

Are you specifically looking for car insurance quotes in Quebec City or for more information about auto insurance in Montreal? We have what you need!

Back to top