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 car 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.

What does car insurance in Québec cover?

Whether you lease, finance or own your car, you need certain basic coverages to be able to legally drive. There are also additional coverages available to increase protection for yourself and your vehicle. Here’s a breakdown of what standard car insurance covers in Québec. You should always review your auto policy so you know exactly what you’re covered for – and what you’re not.

Mandatory car insurance coverage

Civil Liability

You must have liability coverage in order to drive in Québec. It protects you and other drivers financially in case of an accident where you’re at fault. Liability covers any damages, injuries or losses experienced by another driver or individual.

Bodily Injury

In Québec, bodily injury is covered by the government’s public automobile insurance plan – the Société de l'assurance automobile du Québec. The SAAQ protects Québecers in the event of injury or death as a result of an auto accident, no matter who’s at-fault.

Collision or Upset

This covers loss or damage to your vehicle and its contents caused by specific events. These events include an accident with another vehicle where you’re at fault or an accident with an object (like a guardrail or a tree). You’re also covered if your car rolls over, or if your vehicle is subject to a hit and run and reported to police within 24 hours.

Although it’s optional, this coverage is considered essential. Without it, you’ll have to pay out of pocket to repair or replace your vehicle if these events happen. If you lease or finance your car, this coverage is usually required by your lessor or lender.


It’s not just when you’re driving that your vehicle could be damaged. Comprehensive insurance in Québec has your vehicle covered for damage from things like falling objects, vandalism, fire, theft, lightning, windstorm and earthquake. Collision coverage is usually mandatory if you’re leasing or financing your vehicle.

Optional car insurance coverage

Accident Forgiveness

Clean record for the last 6 years? We won’t increase your rate due to your first at-fault accident and we automatically apply this protection again if after another 6 years you’ve got a clean record.

Heads up! Accident Forgiveness applies to your first at-fault claim only. If you have another at-fault accident, your Accident Forgiveness will be removed from your policy. You’ll be rated for both accidents – and any at-fault accidents after that.

Rental Extension Bundle
  • Rental Costs. We’ll take care of your rental car after an at-fault collision or during a comprehensive claim (that’s not theft). Even better – there’s no arbitrary limit, so you’ll get a rental car comparable to your own. (Unavailable in Québec).
  • Non-Owned Vehicle Coverage. We’ll cover you for the loss or damage to any borrowed or rented vehicle.

    Heads up! This bundle is not available in Ontario. Our Enhanced Protection Bundle offers the best comparable coverage for Ontario drivers.
Vroom Service Bundle
  • Roadside Assistance. We’ll reimburse you for up to $50 for related emergency expenses.
  • New/Used Vehicle Replacement. We’ll replace your vehicle without any adjustment for depreciation.
  • Hit-and-Run Deductible Waiver. We’ll waive your deductible up to $1,000 in the event of a hit-and-run, as long as it’s reported within a reasonable time (like a day).

    Heads up! This bundle is not available in Ontario. Our Enhanced Protection Bundle offers the best comparable coverage for Ontario drivers.

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.

"Seriously, the prices are so competitive that I called twice to make sure there wasn't a mistake with my online quote!" "Finally, an insurance company that fits in with my life: 100% self-serve (with a REALLY NICE, user-friendly website), easy to understand, personalized and fast. Hooray for Sonnet!" "I just got my insurance with Sonnet and I'm definitely saving on my annual premium. On top of that, they have excellent customer service. Get a quote and see for yourself!"

Canadian University Alumni

More than just a degree – save on home insurance in Quebéc with Sonnet’s Canadian University Alumni discount.

More ways to save in Québec

You could save an average of $474 with Sonnet’s group discount. It’s easy - start an online quote and search for the name of your organization or association. A few organizations that trust Sonnet:

TELUS SmartHome Security

Learn more


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How do I get the eSlip or pink slip for my new car insurance?

Once you've purchased your car insurance, we’ll send you an email with a link to activate your Sonnet account. Your pink slip and proof of insurance will be accessible directly through your account dashboard. Here you can also get the steps to add your eSlip right to your phone’s digital wallet.

If you would like to download an eSlip, here are the steps to add it to your phone:
Currently eSlips are available for iOS users only. Android available soon.

  1. Download the Sonnet Insurance app from the App Store (iOS) or Google Play store app (Android).
  2. Log in to your account in the app using the same email and password you set up for your Sonnet account.
  3. For first-time users, tap the ‘Get your eSlip’ banner over the ‘More’ tab. Agree to the terms and conditions for eSlips. Choose your vehicle (for single policies) or choose your policy then vehicle (for multiple polices).
  4. eSlips will automatically update in your digital wallet app after a policy change or renewal. If you notice that it hasn’t automatically updated, tap on the ‘More’ tab, then tap ‘Pink Slip’. Choose your vehicle (for single policies) or choose your policy then vehicle (for multiple polices).
  5. Your eSlip will automatically be added to your phone’s digital wallet.

Heads up! If you are an iOS (iPhone) user, the Background app refresh setting must always be turned ON. This setting allows eSlips to automatically update when you make a policy change or renew your policy.

Follow these steps to turn this setting ON:

  1. Go to your iPhone Settings and scroll down until you see the Sonnet Insurance App.
  2. Simply tap the Background App Refresh toggle, so it is ON (green).

Want to view your physical pink slip in your account? Follow these steps:

  1. Log in to your account and click on the ‘Easily access your digital pink slip’ card.
  2. For single policies click ’Download’. For multiple policies, choose your policy number and then click ‘Download’.

We’ll also send you a hard copy of your 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 or you would like to request a new pink slip be mailed, contact us.

Will my Sonnet car insurance cover me as an Uber or Lyft driver?

Using your vehicle to carry paying passengers is considered business use and is NOT covered by your policy. This includes, but is not limited to Uber, Lyft or any other similar ridesharing services.

Do I need car insurance for a leased or financed car?

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? Learn more about how leasing vs. financing a car affects your insurance.

Do you live in Toronto? Find out which has the cheapest car insurance - used cars vs. new cars.

How do you calculate the cost of car insurance in Canada?

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 claims and driving 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).

How can I save on my auto insurance?

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.
  • Canadian University Alumni and Canadian College Alumni. You could save when you are a Canadian University or College alumni or student.

TIP: Do you live in Toronto? Find out how to get the cheapest car insurance in Toronto.

How do I know how much auto insurance coverage I need?

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.

Review our guide on what coverages you should choose when getting a car insurance quote in Toronto.

What is full coverage insurance?

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.

Looking to change car insurance companies?

Answer a few questions to find out how much it could cost you to switch to Sonnet.

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.