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!

Your insurance pal for Quebec roads

Whether you’re looking to stick to the basics or to level up your car insurance, you’ve come to the right place! On top of the mandatory car insurance coverages required to hit the road in Quebec, you can choose from our wide range of insurance options based on your car, lifestyle and budget.

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.

More questions about car insurance?

To add a driver to your car insurance, simply open the belairdirect app or log into the Client Center. Then, select your vehicle and click Edit my coverage or tap Modify my policy.

Your insurance premium will be adjusted based on criteria such as the age, driving record and years of experience of the added driver.

If you have a child who drives your car, you need to add them as driver to your insurance policy. As they gain insurance experience, they might be able to pay less for their own coverage in the future.

In Quebec, no-fault insurance is a public insurance plan that provides compensation in the event of a traffic accident resulting in injury or death. This public insurance covers all residents of Quebec regardless of if they are responsible for the accident. All victims are covered according to a scale calculated by the SAAQ.

However, this coverage does not replace private car insurance. The law requires that all vehicle owners in Quebec also have private car insurance with civil liability coverage of at least $50,000. We can help you choose the auto insurance coverage that will fit your needs.

Yes, in Quebec you can lend your car to anyone with a valid driver’s licence. Remember that when you lend your car you also lend your insurance. If the person gets into an accident, you will be covered based on your own insurance policy.

  • If the driver is at fault in an accident, collision coverage will cover you as if you were driving.
  • In an accident where the driver is not at fault, you will be covered, even if you only have liability coverage.

Anyone who drives your car frequently should be added to your insurance policy as a driver.

Learn more about lending your car to a friend

In Quebec, your car insurance premiums are calculated based on multiple factors including:

  • The car you drive (the type, make, model, year, trim)
  • Your driving history & record (number of years you’ve been driving, number of years you’ve been insured, accidents and tickets, SAAQ driving record)
  • How much you drive (how often and how far you drive)
  • Where you live (urbans areas, rural are, etc.)
  • The type of coverage you chose (adding optional coverage affects your rate)

Learn more about how car insurance premium is calculated

The SAAQ (Société de l’ assurance automobile) insures all Quebec residents in case of injury or death because of a traffic accident, no matter who caused the accident and where it occurred. In Quebec, the law also requires that you have private car insurance with civil liability coverage of at least $50,000 to cover damages caused to your car or someone else's.

Additionally, this insurance can cover injuries or other physical damages caused to others that are not covered by the SAAQ or any other government plan.

Lastly, it covers damages to your car caused by an accident for which you are not at fault.

If you can't present valid proof of insurance when stopped by a police officer, you could be fined to up to $2,800. And if you're involved in a car accident without insurance, you could lose your driver's licence and be required to pay for the damages caused to others.

Not sure what coverage best fits your needs? We can help!

Quebec has the lowest car insurance rates in Canada, but you can save even more by comparing insurance quotes.

Here a few tips to keep in mind when comparing auto insurance quotes:

  • Consider both the price of the premium and the coverage you get
  • Make sure you get a cheaper quote when you bundle up car and home insurance
  • Save money by insuring more than one vehicle
  • Get rewarded for safe driving habits with a program like automerit

Saving money on auto insurance is only worthwhile if it doesn't compromise your protection. You should always review the different insurance options offered and make sure you understand which are the best ones for you.

With belairdirect you can save no matter what type of coverage you need.

Learn more about our insurance savings and offers

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!

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