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Comprehensive Auto Insurance in Quebec with LMBF

LMBF understands that everyone is looking for the cheapest car insurance in Quebec, and we get it - no one wants to pay more than they have to. LMBF helps fellow drivers in the province find affordable car insurance in Quebec without needing to cut corners simply to make it the option that is “cheapest” for car insurance in Quebec. While our rates are affordable, we also help you find coverage that matches your needs thanks to our partnerships with top Quebec auto insurance companies. We do the shopping for you so that you don’t have to. Let us find you car insurance quotes in Quebec today.

Quebec Auto Insurance Solutions: What it Covers

Third-Party Liability

Third-Party Liability

In Quebec, auto insurance must include liability coverage of at least $50,000, although it is recommended by the majority of insurers to extend that coverage to $1 million or $2 million - especially for those that regularly travel outside of Quebec. Liability protection covers you if you damage someone else’s property or cause injury to another party.

Comprehensive & Collision

Comprehensive & Collision

Comprehensive coverage, which is optional, is available to cover your vehicle in the event that it is damaged by falling objects, fire, vandalism and theft, and more. Collision, also optional, covers your vehicle for damages due to collision with another vehicle or stationary object. Generally, you are able to choose the deductible for both that best suits your needs.

Accident Benefits

Accident Benefits

Your accident benefits coverage covers you and your dependents in the event you are injured or even killed in an accident. It can offer compensation for loss of income, funeral expenses, as well as medical treatments not covered by provincial healthcare and rehabilitative treatments.

  What auto insurance in Quebec covers
  • Accident benefits
  • Third-party liability
  • Uninsured motorists
  • Loss of use
  What auto insurance in Quebec excludes
  • Street racing
  • Damages to rental cars
  • Tickets and violations
  • Ridesharing

How does auto insurance in Quebec work?

Auto insurance in Quebec looks different than it does in other provinces. This is because auto insurance in Quebec utilizes a system that contains both public and private insurance. The Quebec Automobile Insurance Act mandates a minimum of $50,000 civil liability, but anything else comes from a private car insurer. LMBF has partnerships with some of the top-rated Quebec auto insurance carriers and can help you find a plan that is affordable and matches your needs.

Types of Auto Insurance in Quebec

In the unfortunate scenario where you do find yourself having to make a claim, do you know what you are covered for? Auto insurance in Quebec isn’t always straightforward, which is why the experts at LMBF are here to answer your questions should you have any. Otherwise, see below for some samplings of the different types of auto insurance coverage that is available. Some are included with a standard Quebec car insurance policy, whereas others are optional and available for a slightly increased premium.

Comprehensive coverage

Comprehensive coverage

  • Fire
  • Theft
  • Vandalism
  • Falling Objects
Third-party liability

Third-party liability

  • Bodily injury
  • Property damage
  • Pedestrians
  • Passengers
Collision coverage

Collision coverage

  • Repairs
  • Restoration
  • Accidents with objects
  • Accidents with other drivers
Replacement cost

Replacement cost

  • Resources for new vehicle
  • Resources for repairs
  • Replacement vehicle
Loss of use

Loss of use

  • Temporary replacement
Accident forgiveness

Accident forgiveness

  • At-fault accidents
  • Premium increases
Uninsured automobile

Uninsured automobile

  • Rehabilitative treatment
  • Loss of life
  • Repairs and restoration
Accident benefits

Accident benefits

  • Rehabilitative treatment
  • Loss of income
  • Medical treatment
Roadside assistance

Roadside assistance

  • Mechanical breakdown
  • Towing
  • Roadside repairs
Rental car

Rental car

  • Repairs
  • Restoration
Travel expenses

Travel expenses

  • Car rental
  • Taxi
  • Public transport
Gap coverage

Gap coverage

  • Difference between value and lease owed
  • Total loss

Our Auto Insurance partners in Quebec

LMBF believes that all drivers deserve peace of mind on the road, which is why we partner with some of the top auto insurance carriers in Quebec to help you get better coverage. It’s not just about the “cheapest” auto insurance in Quebec - it’s about finding the policy that works best for your needs. We help you do that when we find you an auto insurance quote in Quebec quicker. Let us do the shopping for you when you need car insurance coverage that gives you the peace of mind that you deserve.

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Car Insurance in Quebec: Frequently Asked Questions

A: You can technically lend your car to anyone so long as they have a driver’s license. Say, for example, it was your child borrowing your car. You should notify your insurer and list them as an occasional driver to ensure you have full insurance coverage. If a neighbour or friend is borrowing your car and has an accident, that accident will be on their good name, but their collision coverage (if they have it) may compensate them for repairs.

A: The cheapest auto insurance in Quebec is the policy that fits your needs best with the lowest available rate. That doesn’t necessarily mean it will be the cheapest option out there, but you never want to cut critical coverage for a lower price as that can mean missing out on essential coverage. Working with an LMBF insurance broker can help you to find auto insurance in Quebec that fits your budget and coverage needs simultaneously.

A: Car insurance in Quebec costs different than it does in other provinces because it utilizes both public and private car insurance systems. The public portion is covered in annual drivers’ license fees and is provided by SAAQ. Your individual car insurance will cost more or less depending on how much you drive, the make and model of your car, how you use it, your driving record, insurance history, geographical location, and more.

A: Yes, however, the minimum is different than it is in other provinces. In Quebec, car owners are required to have at least $50,000 of civil liability insurance if they are held liable for a third party’s injuries or property damage. You must always be able to show proof of insurance if you are operating your vehicle on public roads. This is true of motorcycles and other motorized vehicles that are driven on public land as well. The Insurance Bureau of Canada stated in 2019 that Quebecers pay an average of $717/year for their auto insurance.

A: Car insurance rates in Quebec and in Canada may increase or decrease depending on a number of factors, some of which are entirely unrelated to you and your driving. As cars increase in value, especially higher-tech cars (like self-driving vehicles, cars with intelligent safety features, and gadgets) the overall replacement cost goes up. Higher frequency in weather events can impact the overall cost of your car insurance as well. Finally, instances of fraud may increase your insurance rates.

A: Yes. Modifications, depending on the type and where the modifications were done, may even disqualify your car for insurance altogether. This is because not all modifications can be regulated and some may put your car at higher risk. Moreover, they can be expensive or difficult to repair or replace.