Cost for passenger vehicles
- The average premium was $796 in 2022.
- Following a drop from 2012 to 2014, the average premium underwent a series of increases from 2015 to 2022. From 2012 to 2022, the average increase was 4.9% per year.
In 2022, the average premium by coverage type was as follows:
- Civil liability: $360
- Collision: $331
- Comprehensive (accident without collision or upset): $180
Civil liability coverage posted the largest increase.
Please note that this premium pertains to insurance for property damage only.
Source: GROUPEMENT DES ASSUREURS AUTOMOBILES, Automobile Statistical Plan, General results, Passenger vehicles, 2022
Average premium in Canada
In 2022, the average auto insurance premium in Quebec was the lowest in Canada.
Combining the cost of private insurance for property damage ($796) and the cost of public insurance for personal injury (SAAQ) ($59), the average premium in Quebec was the lowest in the country again this year.
Source: GROUPEMENT DES ASSUREURS AUTOMOBILES, Automobile Statistical Plan, General results, Passenger vehicles, 2022; General Insurance Statistical Agency, Actual loss ratio exhibit, Private passenger automobiles excluding farmers, 2022.