Get your online car insurance quote in Quebec

KBD is a Quebec car insurance broker with 40+ years of experience in the industry.

We provide clients with the best vehicle insurance by making the process simple, quick and affordable.

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Car insurance
coverage we offer
Collision

Subject to a deductible, collision car insurance covers you in the event of an at-fault accident, meaning you were the primary cause of the damage.

Comprehensive

Also referred to as fire, theft, vandalism and glass breakage. Comprehensive insurance is subject to a deductible.

Liability

Covers you for non-responsible accidents or if you cause damage to a third party.

Our clients say it best

More than 600 5-star reviews on
Leah N.
“Great service, very easy and well explained procedures and information needed for insurance. Jordan was great to work with, and had excellent communication skills. 10/10 recommend.”
Shawn B.
“Greg is always making sure all my insurance needs are covered. Excellent service and very responsive.. thanks again!”
Nathan T.
“My first time ever getting insurance for a car and it was super simple. I spoke to Erika who was super nice and answered all my questions, and provided everything I needed!”
Brian B.
“Great experience. As a new to Quebec driver who just bought a car I got my insurance processed over the phone in less than 20 minutes. Very efficient, easy to understand and good coverage.”

Get a quick auto insurance quote today

Quebec auto insurance FAQs

Is auto insurance mandatory in Quebec?

Yes it is.

Quebec law requires all vehicle owners to carry a minimum of $50,000 in civil liability insurance. That’s enough for at least one-way insurance coverage. 

In fact, unlike home or renters insurance, car insurance is the only type of insurance that is mandatory in Quebec.

What are the Quebec car insurance laws?

There are a few. When it comes to insurance laws, Quebec employs a hybrid system.

Direct Compensation Property Damage: All collision claims are settled with each driver’s private car insurance company, regardless of fault.

Public Insurance: The SAAQ settles all claims related to accidents resulting in bodily injury. Unlike in other provinces and the United States, Quebecers can’t sue another driver that injures them in an accident. Instead, we claim accident benefits with the SAAQ (Quebec Government).  You cannot seek additional compensation from the other parties involved in the accident.

Private Insurance: All types of collision coverage need to be purchased through a private insurance carrier, like Intact or Desjardins.

How do I get my driver’s license in Quebec?

There are four steps to obtaining a driver’s license in Quebec.

  1. Driving Course: Register for driving lessons recognized by the Association québecoise des transports (AQTR).
  2. Learner’s permit: Once you pass the driving course tests, you can visit a Quebec service outlet to obtain your introductory license. A learner’s permit is valid for 18 months and requires you to drive with another fully licensed individual. 
  3. Probationary license: After having your learner’s permit for at least 12 months, you are required to pass a road test. Once you do, you receive a probationary license. You have only 4 demerit points on this license, so drive carefully. 
  4. Full License: If you maintain a good driving record for 2 years, you can obtain a class 5 driver’s license. You don’t need to pass a second road test to obtain your class 5.

What are the best Quebec car insurance companies?

There’s no catch-all answer to this question.

What you consider the best in car insurance depends on who you ask and which years you are referring to.

J.D. Power circulates a poll every year to find out which insurance companies Canadians love most, so that’s a good place to look. Of course, the results generally change from year to year.

Here’s a list of Quebec car insurance companies, in no particular order.

Broker companies:

  • Intact
  • Economical
  • L’Unique
  • Wawanesa
  • Promutuel

Direct insurance companies:

  • SSQ
  • Desjardins
  • Industrielle Alliance
  • Belair

Who can drive my car under my auto insurance in Quebec?

You can lend your car to anyone with a valid driver’s license.

If you lend your car to someone and they have an accident, they’re covered on your insurance policy. Someone driving your car regularly should be listed as a driver on your auto insurance policy.

Which company provides the cheapest car insurance in Quebec?

There are too many variables to provide a concrete answer to this question.

Insurance prices change from year to year within every company. In any given year, one may be cheaper than the other and vice versa. So there’s no one company that provides the cheapest insurance all the time — but there might be one that’s cheapest right now.

Shop around when it’s time to renew your policy. That’s the best way to ensure you’re always getting the cheapest insurance.

How do I compare car insurance prices in Quebec?

You can compare rates right here on our website!

Using our online quoting tool, you can compare prices from Intact, Economical, L’Unique, and more.

We suggest collecting quotes from at least 3 insurance companies to find the option best suited for you.

When doing so, it’s important to compare apples to apples. In other words, make sure you’re comparing one-way coverage with one-way coverage, and so on. If you compare one company’s prices for one-way insurance with another company’s prices for two-way insurance, you won’t be getting the full picture.

Where can I buy online car insurance in Quebec?

You can get an online quote from any insurance provider. But if you want to actually BUY insurance directly on your screen, you’ll have to go with Sonnet Insurance. With them, you can complete the entire process online.

Sonnet is owned by Economical, a partner of KBD.

Can I buy car insurance with a Quebec learners permit?

Yes you can.

If you own a car, you can insure it. Period.

The first thing an insurance provider wants to know is: Do you have insurable interest in the asset? Essentially, they want to know that the car belongs to you and that loss of or damage to it would cause a financial loss. In other words, you have reason to protect it.

If you own a car and it’s registered to your name, regardless of the type of license you have, you can purchase a car insurance policy.

Is it illegal to not have car insurance in Quebec?

Yes it is. All Quebec drivers are required to carry a minimum of $50,000 in civil liability insurance, also known as one-way insurance.

When you’re pulled over, there’s a reason they ask you for your license, registration, and proof of insurance; they’re all required. On the insurance front, if you get in an accident without a valid driver’s license, any insurance company will deny your claim.

Can I drive my wife's car on her insurance?

Yes. When you lend your car to someone else, they’re automatically covered by your insurance.

Still, if you live with your spouse and share a car or use each other’s cars regularly, you should list one another as a driver on your respective insurance policies. If you submit such a claim, an insurance company will urge you to add your partner to your policy so your premium can reflect the actual situation.

Does my car insurance go up if someone hits me?

Yes, but not as much as it would if you were responsible for the accident.

Quebec uses a Direct Compensation Property Damage system — all collision claims are settled with each driver’s private car insurance company, regardless of fault. So a guilty party doesn’t pay for your claim; your insurance company does.

Is car insurance private in Quebec?

Yes and no!

Car insurance is required for Quebec drivers, and policies are purchased through private companies. That coverage pays out claims related to physical damage to your vehicle.

But there’s also the public sector element. When bodily injury occurs on the road, those claims go through the SAAQ.

How much does car insurance cost in Quebec?

As of 2021, the average annual cost of car insurance in Quebec is $898, according to KBD data.

That’s a province-wide average. The Island of Montreal and other densely populated areas run a bit more expensive, while people in rural areas can expect to pay slightly less.

What is the SAAQ?

Don’t confuse it with the SAQ, Quebec’s liquor commission!

The SAAQ is the Société de l’assurance automobile du Québec, a Crown corporation responsible for issuing driver’s licenses and vehicle registration throughout the province. They also provide public auto insurance.

The SAAQ’s mission is “to protect individuals against the risks inherent in use of the road and to help enforce several laws and regulations.”

Additionally, the SAAQ pays for medical services related to bodily injury accidents.

Do Quebec insurance companies consider previous driving experience if I'm an immigrant?

Typically, no. There is, however, an exception to the rule.

Insurance companies only have access to Quebec driving data. That means we can’t see your claims history if you’re coming from outside the province. Without driving history, you’re treated as a new driver.

The exception: If you can produce a letter of experience from your previous insurance company confirming no claims in the last 5 years, we can uphold that. Letters of experience are typically only considered valid in Quebec when they come from recognized North American insurers. People coming from outside Canada or the United States, unfortunately, may be out of luck.

Why is car insurance cheaper in Quebec?

There are several factors that answer this question.

Free market: Quebec has the least industry regulation of any province.

Hybrid model: Physical damage is claimed through the private sector. Bodily injury is claimed through the public sector. This system helps keep premiums down.

Public sector: That bodily injury system we just mentioned? That keeps fraud away. In other provinces, and especially the U.S., there exists a huge incentive for accident “victims” to fake bodily injury in order to sue the other driver and collect insurance money. Our system contains no such incentive.

How to get car insurance in Quebec

There are only two criteria.

  1. The car must be registered under your name.
  2. The name on the insurance policy must match the name on the vehicle registration.

Check and check? You’re ready to shop around to find the lowest rate!

Is KBD a Quebec car insurance broker?

Damn right!

Through us, you can access insurance coverage from Intact, Economical, L’Unique, and more.

Working through a broker is just as good as going to a direct insurance company; it’s simply a different business model. Brokers don’t charge extra for their services.

In our case, we collect 12.5% commission on Quebec car insurance policies.

How do I find affordable high risk car insurance in Quebec?

You can’t.

Sorry, but it’s true. A high risk driver is someone with a bad driving record, and most insurance companies don’t want to insure them. For that reason, high risk drivers pay higher than average car insurance premiums.

It’s tough to get out of the substandard market, but not impossible. The best thing to do? Behave! Slow down, make good stops, and obey the rules of the road. Steer your driving habits away from what got you branded high risk in the first place, and do that for 2-3 years.

You should also shop around every year as different insurance providers have different risk tolerance.

How do I find insurance for my classic car in Quebec?

Here are 3 companies that provide insurance for classic cars in Quebec:

  • Intact
  • Aviva
  • Allstate

Like all other car insurance, there are a range of factors that’ll determine whether you can get a policy, and how much you’ll pay. With classic cars, in some of the most extreme cases, insurers will shy away from you. As an example, if you’re looking to cover your $500,000 1950 Ferrari, most companies are going to turn you down.

What is Quebec no fault car insurance?

No fault car insurance is a claims process used in Quebec. In the case of an accident between two people, responsibility for the accident is irrelevant.

The no fault principle removes drivers’ ability to sue other drivers for their part in causing damage. It doesn’t matter who caused the accident; each driver will follow one of two claims processes every time.

  1. Bodily injury: Victims are compensated for medical payments by the SAAQ.
  2. Physical damage: Cost of car repairs are claimed with the individual’s private insurance provider.

Is car insurance cheaper in Quebec than Ontario?

Yep! In fact, it’s about 50% cheaper in our beautiful province.

There are a few reasons for that, but one of the main ones is our no fault insurance system. In Ontario, as in the United States, you can sue for bodily injury. Those settlements can go as high as $1 million. In Quebec, on the other hand, bodily injury claims go through the public sector (the SAAQ) and payouts are capped somewhere around $100k.

What happens if I let my friend drive my car?

When you lend your car to someone else, they’re automatically covered by your insurance.

If that person will be using your car regularly, you should list them as a driver on your insurance policy so that your premium can reflect the actual situation.

Do I have to pay my deductible if I am not at fault?

No. While Quebec uses a no fault system for collision claims, if you are in a non-responsible accident you are saved the deductible. This is covered by Chapter A of your car insurance policy.

Is auto insurance mandatory in Quebec?

Yes it is.

Quebec law requires all vehicle owners to carry a minimum of $50,000 in civil liability insurance. That’s enough for at least one-way insurance coverage. 

In fact, unlike home or renters insurance, car insurance is the only type of insurance that is mandatory in Quebec.

How much does car insurance cost in Quebec?

As of 2021, the average annual cost of car insurance in Quebec is $898, according to KBD data.

That’s a province-wide average. The Island of Montreal and other densely populated areas run a bit more expensive, while people in rural areas can expect to pay slightly less.

What are the Quebec car insurance laws?

There are a few. When it comes to insurance laws, Quebec employs a hybrid system.

Direct Compensation Property Damage: All collision claims are settled with each driver’s private car insurance company, regardless of fault.

Public Insurance: The SAAQ settles all claims related to accidents resulting in bodily injury. Unlike in other provinces and the United States, Quebecers can’t sue another driver that injures them in an accident. Instead, we claim accident benefits with the SAAQ (Quebec Government).  You cannot seek additional compensation from the other parties involved in the accident.

Private Insurance: All types of collision coverage need to be purchased through a private insurance carrier, like Intact or Desjardins.

What is the SAAQ?

Don’t confuse it with the SAQ, Quebec’s liquor commission!

The SAAQ is the Société de l’assurance automobile du Québec, a Crown corporation responsible for issuing driver’s licenses and vehicle registration throughout the province. They also provide public auto insurance.

The SAAQ’s mission is “to protect individuals against the risks inherent in use of the road and to help enforce several laws and regulations.”

Additionally, the SAAQ pays for medical services related to bodily injury accidents.

How do I get my driver’s license in Quebec?

There are four steps to obtaining a driver’s license in Quebec.

  1. Driving Course: Register for driving lessons recognized by the Association québecoise des transports (AQTR).
  2. Learner’s permit: Once you pass the driving course tests, you can visit a Quebec service outlet to obtain your introductory license. A learner’s permit is valid for 18 months and requires you to drive with another fully licensed individual. 
  3. Probationary license: After having your learner’s permit for at least 12 months, you are required to pass a road test. Once you do, you receive a probationary license. You have only 4 demerit points on this license, so drive carefully. 
  4. Full License: If you maintain a good driving record for 2 years, you can obtain a class 5 driver’s license. You don’t need to pass a second road test to obtain your class 5.

Do Quebec insurance companies consider previous driving experience if I'm an immigrant?

Typically, no. There is, however, an exception to the rule.

Insurance companies only have access to Quebec driving data. That means we can’t see your claims history if you’re coming from outside the province. Without driving history, you’re treated as a new driver.

The exception: If you can produce a letter of experience from your previous insurance company confirming no claims in the last 5 years, we can uphold that. Letters of experience are typically only considered valid in Quebec when they come from recognized North American insurers. People coming from outside Canada or the United States, unfortunately, may be out of luck.

What are the best Quebec car insurance companies?

There’s no catch-all answer to this question.

What you consider the best in car insurance depends on who you ask and which years you are referring to.

J.D. Power circulates a poll every year to find out which insurance companies Canadians love most, so that’s a good place to look. Of course, the results generally change from year to year.

Here’s a list of Quebec car insurance companies, in no particular order.

Broker companies:

  • Intact
  • Economical
  • L’Unique
  • Wawanesa
  • Promutuel

Direct insurance companies:

  • SSQ
  • Desjardins
  • Industrielle Alliance
  • Belair

Why is car insurance cheaper in Quebec?

There are several factors that answer this question.

Free market: Quebec has the least industry regulation of any province.

Hybrid model: Physical damage is claimed through the private sector. Bodily injury is claimed through the public sector. This system helps keep premiums down.

Public sector: That bodily injury system we just mentioned? That keeps fraud away. In other provinces, and especially the U.S., there exists a huge incentive for accident “victims” to fake bodily injury in order to sue the other driver and collect insurance money. Our system contains no such incentive.

Who can drive my car under my auto insurance in Quebec?

You can lend your car to anyone with a valid driver’s license.

If you lend your car to someone and they have an accident, they’re covered on your insurance policy. Someone driving your car regularly should be listed as a driver on your auto insurance policy.

How to get car insurance in Quebec

There are only two criteria.

  1. The car must be registered under your name.
  2. The name on the insurance policy must match the name on the vehicle registration.

Check and check? You’re ready to shop around to find the lowest rate!

Which company provides the cheapest car insurance in Quebec?

There are too many variables to provide a concrete answer to this question.

Insurance prices change from year to year within every company. In any given year, one may be cheaper than the other and vice versa. So there’s no one company that provides the cheapest insurance all the time — but there might be one that’s cheapest right now.

Shop around when it’s time to renew your policy. That’s the best way to ensure you’re always getting the cheapest insurance.

Is KBD a Quebec car insurance broker?

Damn right!

Through us, you can access insurance coverage from Intact, Economical, L’Unique, and more.

Working through a broker is just as good as going to a direct insurance company; it’s simply a different business model. Brokers don’t charge extra for their services.

In our case, we collect 12.5% commission on Quebec car insurance policies.

How do I compare car insurance prices in Quebec?

You can compare rates right here on our website!

Using our online quoting tool, you can compare prices from Intact, Economical, L’Unique, and more.

We suggest collecting quotes from at least 3 insurance companies to find the option best suited for you.

When doing so, it’s important to compare apples to apples. In other words, make sure you’re comparing one-way coverage with one-way coverage, and so on. If you compare one company’s prices for one-way insurance with another company’s prices for two-way insurance, you won’t be getting the full picture.

How do I find affordable high risk car insurance in Quebec?

You can’t.

Sorry, but it’s true. A high risk driver is someone with a bad driving record, and most insurance companies don’t want to insure them. For that reason, high risk drivers pay higher than average car insurance premiums.

It’s tough to get out of the substandard market, but not impossible. The best thing to do? Behave! Slow down, make good stops, and obey the rules of the road. Steer your driving habits away from what got you branded high risk in the first place, and do that for 2-3 years.

You should also shop around every year as different insurance providers have different risk tolerance.

Where can I buy online car insurance in Quebec?

You can get an online quote from any insurance provider. But if you want to actually BUY insurance directly on your screen, you’ll have to go with Sonnet Insurance. With them, you can complete the entire process online.

Sonnet is owned by Economical, a partner of KBD.

How do I find insurance for my classic car in Quebec?

Here are 3 companies that provide insurance for classic cars in Quebec:

  • Intact
  • Aviva
  • Allstate

Like all other car insurance, there are a range of factors that’ll determine whether you can get a policy, and how much you’ll pay. With classic cars, in some of the most extreme cases, insurers will shy away from you. As an example, if you’re looking to cover your $500,000 1950 Ferrari, most companies are going to turn you down.

Can I buy car insurance with a Quebec learners permit?

Yes you can.

If you own a car, you can insure it. Period.

The first thing an insurance provider wants to know is: Do you have insurable interest in the asset? Essentially, they want to know that the car belongs to you and that loss of or damage to it would cause a financial loss. In other words, you have reason to protect it.

If you own a car and it’s registered to your name, regardless of the type of license you have, you can purchase a car insurance policy.

What is Quebec no fault car insurance?

No fault car insurance is a claims process used in Quebec. In the case of an accident between two people, responsibility for the accident is irrelevant.

The no fault principle removes drivers’ ability to sue other drivers for their part in causing damage. It doesn’t matter who caused the accident; each driver will follow one of two claims processes every time.

  1. Bodily injury: Victims are compensated for medical payments by the SAAQ.
  2. Physical damage: Cost of car repairs are claimed with the individual’s private insurance provider.

Is it illegal to not have car insurance in Quebec?

Yes it is. All Quebec drivers are required to carry a minimum of $50,000 in civil liability insurance, also known as one-way insurance.

When you’re pulled over, there’s a reason they ask you for your license, registration, and proof of insurance; they’re all required. On the insurance front, if you get in an accident without a valid driver’s license, any insurance company will deny your claim.

Is car insurance cheaper in Quebec than Ontario?

Yep! In fact, it’s about 50% cheaper in our beautiful province.

There are a few reasons for that, but one of the main ones is our no fault insurance system. In Ontario, as in the United States, you can sue for bodily injury. Those settlements can go as high as $1 million. In Quebec, on the other hand, bodily injury claims go through the public sector (the SAAQ) and payouts are capped somewhere around $100k.

Can I drive my wife's car on her insurance?

Yes. When you lend your car to someone else, they’re automatically covered by your insurance.

Still, if you live with your spouse and share a car or use each other’s cars regularly, you should list one another as a driver on your respective insurance policies. If you submit such a claim, an insurance company will urge you to add your partner to your policy so your premium can reflect the actual situation.

What happens if I let my friend drive my car?

When you lend your car to someone else, they’re automatically covered by your insurance.

If that person will be using your car regularly, you should list them as a driver on your insurance policy so that your premium can reflect the actual situation.

Does my car insurance go up if someone hits me?

Yes, but not as much as it would if you were responsible for the accident.

Quebec uses a Direct Compensation Property Damage system — all collision claims are settled with each driver’s private car insurance company, regardless of fault. So a guilty party doesn’t pay for your claim; your insurance company does.

Do I have to pay my deductible if I am not at fault?

No. While Quebec uses a no fault system for collision claims, if you are in a non-responsible accident you are saved the deductible. This is covered by Chapter A of your car insurance policy.

Is car insurance private in Quebec?

Yes and no!

Car insurance is required for Quebec drivers, and policies are purchased through private companies. That coverage pays out claims related to physical damage to your vehicle.

But there’s also the public sector element. When bodily injury occurs on the road, those claims go through the SAAQ.

Find more great auto insurance here

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