Car insurance in Quebec that fits your drive

Discover coverage options built around how you drive, find savings you may qualify for, and get the confidence of knowing your Quebec car insurance is designed to fit your needs.

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Bundle home and auto insurance to save $854* on average.

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Car insurance in Quebec

Whether you’re commuting over the Samuel De Champlain Bridge, navigating Autoroute 40, driving through Montréal, or heading out to the Eastern Townships, Allstate can help you choose car insurance that works harder for you. Start with a personalized quote from a local agent to compare coverage, uncover potential savings, and get protection that fits your vehicle, budget and day-to-day life.

How car insurance works in Quebec: private and public insurance

In Quebec, car insurance works a little differently than other provinces. Coverage is split between public insurance and private insurance:

Public insurance

Standard medical, rehabilitation, and attendant care benefits remain mandatory and part of your policy. You can choose to increase these benefits.

Private insurance

Your private insurer helps cover vehicle damage, property damage, liability and optional coverage.

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What our Customer Says

What does fault mean in Quebec?

If you’re injured in a car accident, the SAAQ (Société de l'assurance automobile du Québec) helps compensate you for bodily injuries regardless of who caused the accident. Alternatively, your private insurer uses fault to help determine how vehicle damage is covered and if the accident impacts your rates.

What coverage is mandatory in Quebec?

In Quebec, auto insurance combines public protection through SAAQ with private insurance for vehicle damage, property damage and liability.

Start your personalized Quebec car insurance quote. Compare coverage, explore savings and choose protection that fits your drive.

Mandatory car coverage

Essential Protection

Mandatory car insurance coverage includes:

SAAQ bodily injury coverage – helps compensate people for bodily injuries after a car accident, regardless of who caused the accident
Civil Liability Coverage – helps protect you financially if you damage someone else’s property or you’re responsible for certain injuries not covered by the SAAQ. Quebec drivers must carry at least $50,000 in civil liability coverage.

Recommended: $1 million to $2 million for stronger financial protection if you’re responsible for damage to someone else’s property (e.g., another vehicle, a fence or a building), or for certain injuries not covered by the SAAQ.

Comprehensive car coverage

Extensive Protection

Enhance your protection with coverage that goes beyond mandatory requirements.

Comprehensive protection may include:

Collision or Upset – covers damage to your vehicle when you’re at fault or in a single-vehicle accident. This can be helpful for Quebec drivers navigating winter roads, construction zones, potholes or busy routes in Montreal and Quebec City
Specified Perils – protection against specific risks like fire, theft, or certain weather events
Comprehensive – covers non-collision events such as vandalism, theft, falling objects, weather damage, or glass damage

Optional car coverage

Add-On Protection

Go beyond the basics with extra protection.

Customize your auto policy with optional coverage and features

Accident Forgiveness – helps prevent your premium from increasing after your first at-fault accident
All Perils – combines collision coverage with protection for certain non-collision risks, like theft, vandalism and weather-related damage
Collision or Upset – covers damage from a car crash or single-vehicle accident.
Comprehensive – covers non-collision damage, such as theft, vandalism, glass damage and certain weather-related damage.
Disappearing Deductible – reduces your deductible each year you go without a claim.
Loss of Use – helps pay for temporary transportation such as a rental car, while your vehicle is being repaired after a covered claim.
Specified Perils – covers specific risks listed in your policy, such as fire, theft or certain weather events.

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What does fault mean in Quebec?

What coverage is mandatory in Quebec?

In Quebec, auto insurance combines public protection through SAAQ with private insurance for vehicle damage, property damage and liability.

Start your personalized Quebec car insurance quote. Compare coverage, explore savings and choose protection that fits your drive.

Mandatory car insurance coverage includes:

SAAQ bodily injury coverage – helps compensate people for bodily injuries after a car accident, regardless of who caused the accident
Civil Liability Coverage – helps protect you financially if you damage someone else’s property or you’re responsible for certain injuries not covered by the SAAQ. Quebec drivers must carry at least $50,000 in civil liability coverage.

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Coverage you can count on

Smart digital tools

Discounts that add up

Friendly and personal guidance

Support from local agents

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Save up to 30% with Drivewise — Quebec’s smart way to save on car insurance

Drivewise rewards safe driving with savings up to 30%. You earn rewards for smooth braking, safe speeds, and driving during low‑risk time.⁵

1 Step 1 — Sign up
Enroll through our call centre at 1-800-allstate.ca
2 Step 2 — Install the app
Download Drivewise, register, and start tracking your trips.
3 Step 3 — Drive safely & save
Earn rewards for smooth braking, low‑risk travel times, and safe speeds.

And unlike some telematics programs, your driving score will not be used to increase your premium under Drivewise, subject to program terms and conditions.

join Drivewise now

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Four easy steps to get car insurance online

Enter your postal code

Tell us about your vehicle make, model, and condition

Fill out driver information and contact details

Get your custom auto insurance quote online

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The auto insurance benefits you want and need

Allstate gives you extra reassurance with benefits designed to save drivers money and stress through quick claims, easy digital self‑service through myAllstate, and dependable support when you need it most.

24/7 customer support

Need help? You can call our claim specialists or request Allstate Assistance anytime.

Manage insurance policies on-the-go

Disappearing deductible

Lower your deductible by $100 every year you go without making a covered claim.

Priority car repair services

Start repairs right away with our trusted local vendors who deliver top-quality repairs, guaranteed.

Allstate assistance

We cover towing, jump starts, fuel delivery, and flat tire changes when you need help on the road.

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Quebec driving risks: what coverage may help?

Not all types of vehicle damage are covered automatically. The table below shows common risks, whether they are covered by standard auto insurance, and the optional coverages that can help protect your vehicle.

Risk	Is it Covered?	What to Add
Damage from a crash when Direct Compensation does not apply	Not covered automatically	Collision or Upset
A collision with an object (e.g., tree, fence, ice)	Not covered automatically	Collision or Upset
Flooding / water damage	Not covered automatically	Comprehensive
Theft	Not covered automatically	Comprehensive, Specified Perils, or All Perils
Vandalism	Not covered automatically	Comprehensive or All Perils
Claims through Direct Compensation (sudden braking, chain-reaction collisions)	Yes — vehicle damage is covered when Direct Compensation applies	No additional coverage required
Damage from potholes, construction zones or uneven pavement	Generally not covered unless damage results from a collision	Collision or Upset

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Save with Allstate car insurance discounts

Save with home and auto bundles, safe driving discounts, student discounts, retiree savings, renewal rewards, anti-theft savings, winter tire discounts, and Drivewise telematics savings.

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Protect more and pay less in Quebec

Save even more with bundled home and auto insurance policies at Allstate. Get a free auto insurance quote today!

$140*

Average Savings

$861*

Average Savings

$1,269*

Average Savings

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Did you know you can manage your policy securely online?

Just sign into myAllstate or download our app which allows you to access your policy and billing information, make a claim, and pay your bills. You can go also go paperless!

Need support now? Chat live with an agent about your policy from Monday to Friday, 9 a.m. to 4 p.m. EST or a claim service representative about your existing claim from 8:30 a.m. to 6:15 p.m. (all provinces except Quebec)!

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Need help? Contact an Allstate insurance agent in Quebec

Have questions? Your local Allstate agents in Quebec have you covered. We’re ready to answer your questions, so you can choose the right coverage to fit your needs. Find a Quebec Allstate agent for car insurance today.

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Simple ways to save on Quebec car insurance

From bundling to smart driving habits, there are multiple ways to reduce your premium without sacrificing protection.

Deductible vs Premium Trade-Off
Deductible	Monthly Premium	Out-of-Pocket (Claim)
$500	Higher	Lower
$1,000	Lower	Higher

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Drive safely

A clean driving record can help you qualify for better rates.

Choose coverage with confidence

A personalized quote helps you compare options so you can focus on the protection you need, such as collision, comprehensive or Loss of Use, without paying for extras that may not fit.

Review regularly

Your needs can change when you move, buy a new car, change your commute or add a driver. A quote is a simple way to see whether your coverage and savings still make sense.

Multi - vehicle savings

If you insure more than one vehicle with Allstate, you can enjoy extra savings and keep your household vehicles under one policy.

Anti - theft savings

Eligible anti-theft or tracking devices may help you save.

Student rewards

Students under 25 may save with good grades, school distance or safety courses.

Retiree and renewal discounts

If you’re over 65, you may be eligible for Allstate’s retiree discount. If you’ve been insured with Allstate for more than three years, you may also qualify for a renewal discount.

Drivewise

Drivers can save up to 30% off their premium by tracking their driving habits with the Drivewise app.

Compare coverage and explore your savings

Start your personalized Quebec car insurance quote online to review coverage, explore eligible discounts and choose protection that gives you more value for your money.

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Car insurance advice and FAQs

Find answers to your top car insurance questions and expert tips so you can choose the best car insurance and coverage options.

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Bundle your home and auto to save

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Car insurance in Quebec

How car insurance works in Quebec: private and public insurance

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What our Customer Says

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Explore coverage options built around you

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Why Quebec drivers choose Allstate auto insurance

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Quebec driving risks: what coverage may help?

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Simple ways to save on Quebec car insurance

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Drive safely

Choose coverage with confidence

Review regularly

Multi - vehicle savings

Anti - theft savings

Student rewards

Retiree and renewal discounts

Drivewise

Compare coverage and explore your savings

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Car insurance in Quebec

How car insurance works in Quebec: private and public insurance

Explore coverage options built around you

Why Quebec drivers choose Allstate auto insurance

Quebec driving risks: what coverage may help?

Simple ways to save on Quebec car insurance

Drive safely

Choose coverage with confidence

Review regularly

Multi - vehicle savings

Anti - theft savings

Student rewards

Retiree and renewal discounts

Drivewise

Compare coverage and explore your savings