Car insurance for Québec drivers
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Get Québec auto insurance that’s tailored to you
Do you spend your weekdays navigating rush hour traffic in Montreal? Driving from Laval to Québec City to visit friends and family? No matter where you’re living and driving in Québec, make sure you have the best car insurance for your needs. That’s where Sonnet has you covered. Get customized coverage, in language you can understand, at a competitive price – and do it all online. We’ve changed car insurance in Québec for the better, so your drive is worry-free.
Why do you need auto insurance in Québec?
In Québec, if you own a vehicle, by law you must have auto insurance. But that’s not the only reason to have insurance. Think of it as a future investment. The average cost of having to repair or replace your vehicle if it’s damaged or in an accident in Québec is $6,542. Plus, if you cause damage or injuries to other people while driving, you’ll be responsible for those costs too. Accidents happen, even to good drivers. Having car insurance offers financial help when they do.
How much is car insurance in Québec?
Car insurance rates in Québec are decided based on unique information about each driver. Car insurance companies in Québec base their pricing on your driving record, claims history, and how you use your car. They also look at the type of vehicle you drive and what part of Québec you live in. Want to know exactly how much your insurance will cost? It’s easy. Just get an online car insurance quote to find out.
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Yes, you’ll still need to get car insurance for your leased or financed vehicle. It’s not included in your lease or contract.
The leasing or financing company may have specific car insurance requirements as a condition of your contract with them. These could include a minimum deductible for collision and comprehensive coverages. You’ll also need to list them on your policy as an additional interest, since they have a stake in your car. And, they’ll require you to provide them with proof of insurance.
Still have questions?
Once you've purchased your auto policy, we’ll send you an email with a link to activate your Sonnet account. Your car’s pink slip (also known as your liability card or liability slip) and
Looking for your pink slip in your account? Follow these steps:
- Log in to your account and click on your auto policy.
- Click Download documents.
- Select Download under your Liability Card to get your pink slip.
- We’ll also send you a hard copy of your new pink slip through the mail (which takes about 5 business days).
Haven’t received your liability slip in the mail? First, double check the mailing address listed on your account. You can do this by signing into your account and selecting Settings. If your mailing address is incorrect,
Heads up! Although
Using your vehicle to carry paying passengers is considered
We give you our best price that’s specifically tailored for you. We’ve come up with a number of ways to help make sure you get the best price on your insurance.
There are a number of ways you could save on your auto insurance:
- Exclusive Sonnet Savings. Self-service has its benefits! You’ll save just for purchasing your insurance online. How easy is that?
- Claims Free. If you’re lucky enough to have been claims-free for six years, you could save.
- Convictions Free. Good driving behaviour deserves to be rewarded!
- Multi-Vehicle. Insuring more than one vehicle with us? Awesome! You may qualify for a multi-vehicle saving.
- Multi-Policy (home and auto). You could save when you insure both your home and your vehicle with us.
- Winter Tires (only in Ontario). They’ll keep you safe and help you save on your auto insurance.
BONUS: Have more than one vehicle insured with Sonnet? No matter which one your drive the most, we’ll automatically assign you as the primary driver to the vehicle that will give you the best price on your insurance.
Each province has government regulations that oversee how prices are determined by insurance companies. At Sonnet, we use your personal information combined with public information about your vehicle and driver history to calculate a price just for you. Some of the factors we look at to determine the cost of your insurance include:
- Number of past claims
- Information about you (e.g. how many years you’ve been a licensed driver)
- Traffic violations (e.g. speeding tickets)
- Where you live
- Your vehicle and how you use it
Using these details and a whole lot of math and statistics, you get the most competitive price – savings included. The whole process takes just 5 minutes and the price you’re quoted is final. Buy online right away or save your quote and lock in your price for 45 days or until the coverage start date (whichever is sooner).
There are a couple of things you need to consider:
Liability limits. We'll cover you and the people on your policy for valid claims, and the cost of settling those claims, if you're held liable for injuries or damage to someone else's property as a result of an auto accident. Tip: Minimize how much you could be financially liable for in the case of a major accident by increasing this limit.
In Quebec, we cover the damages to your vehicle as well as those to someone else’s property. However, injuries are covered under the Quebec public insurance plan, SAAQ.
Extra coverages. If your vehicle would cost more than the deductible amount to repair it, you might consider adding Collision: Your Fault and/or Comprehensive coverage. (In Quebec, Collision coverage is called “Collision and Upset”, and Comprehensive is known as “All Perils Other than Collision and Upset”.) If your vehicle is involved in a collision with another object or tips over, Collision coverage will help cover the damage. Comprehensive covers your vehicle against loss or damage other than what's covered by Collision. This includes falling or flying objects, missiles and vandalism, and all the things listed under Specified Perils.
Full coverage can differ from one insurer to the next, and can also change depending on whether you own, lease, or finance your car.
“Full coverage” generally means that you have comprehensive, collision and liability coverage. However, sometimes insurance companies include extra coverages as part of this package, like rental cars or ticket forgiveness.
If you lease or finance your car, your lessor or financing company may have additional or specific coverage requirements for your vehicle as a condition of your agreement with them. It’s always best to compare your agreement and policy to be sure.
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Average monthly premiums for auto insurance in Québec are based on current Sonnet policies as of February 2021, with assumptions made to determine demographic groups.
The average cost of an auto claim in Québec is based on 2019 claims data from Sonnet and Economical Insurance.