{"id":186230,"date":"2024-09-09T11:00:00","date_gmt":"2024-09-09T15:00:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=186230"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"difference-between-public-private-car-insurance-quebec","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/difference-between-public-private-car-insurance-quebec\/","title":{"rendered":"Public Car Insurance (SAAQ) and Private Insurance in Quebec: What\u2019s the Difference?"},"content":{"rendered":"\n<p>Several <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> plans are available in Canada. Depending on your province of residence, some are mandatory, while others are optional. In Quebec, car insurance is mandatory. What\u2019s more, <a target=\"_blank\" href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/lc\/A-25\">Quebec\u2019s Automobile Insurance Act<\/a> distinguishes between two types of coverage: bodily injury and property damage (civil liability). But do you know the difference between public car insurance (SAAQ) and private insurance in Quebec? That&#8217;s what we&#8217;ll explain in this article.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-car-insurance-mandatory-in-quebec\">Is Car Insurance Mandatory in Quebec?<\/h2>\n\n\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Car insurance is mandatory in Canada. However, each province and territory imposes minimum insurance coverage requirements, generally focusing on liability insurance for bodily injury and property damage. In Quebec, these are SAAQ public car insurance and mandatory private car insurance.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<p>In Quebec, there are two different mandatory <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> plans:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>Public car insurance (SAAQ)<\/strong>: offered by the Soci\u00e9t\u00e9 de l\u2019assurance automobile du Qu\u00e9bec (<a target=\"_blank\" href=\"https:\/\/saaq.gouv.qc.ca\/en\/\">SAAQ<\/a>) for all Quebec residents.<\/li>\n\n\n\n<li><strong>Private car insurance<\/strong>: must be taken out with an insurance company and comprises two parts: Chapter A (mandatory) and Chapter B (optional).<\/li>\n<\/ul><\/div>\n\n\n\n<p>Both public and private plans are needed to cover all medical expenses, and more. Here\u2019s more information on the two car insurance plans in Quebec.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210610,177791,186239,186225,210615,210616,210580,210612\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t\t\t\t<button type=\"button\" class=\"deferred_button\" data-page=\"1\" data-per_page=\"4\">\n\t\t\t\t<i class=\"fas fa-spinner-third fa-spin\"><\/i>\n\t\t\t\tLoad More\t\t\t<\/button>\n\t\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-public-car-insurance-offered-by-the-saaq\">Public Car Insurance Offered by the SAAQ<\/h2>\n\n\n\n<p>Unlike the rest of Canada, Quebec residents are insured (automatically) by the Soci\u00e9t\u00e9 de l\u2019assurance automobile du Qu\u00e9bec (<a target=\"_blank\" href=\"https:\/\/saaq.gouv.qc.ca\/en\/\">SAAQ<\/a>). All Quebecers are covered by this insurance, whether they have a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/how-do-i-pay-for-my-drivers-licence-online-in-quebec\/\">driver&#8217;s license<\/a> or not.<\/p>\n\n\n\n<p><strong>SAAQ car insurance<\/strong> coverage compensates you for injuries sustained in an accident involving a road vehicle, whether in Quebec or abroad. Both the person responsible for the accident and the person involved in the collision are covered for bodily injury. Under this system, those involved in an accident cannot sue each other in court.<\/p>\n\n\n\n<p>For example, if you&#8217;re driving a road vehicle and hit a cyclist or pedestrian, everyone involved in the incident will be compensated by the SAAQ (whether you&#8217;re at fault or not).<\/p>\n\n\n\n<p><strong>SAAQ car insurance <\/strong>covers medical expenses, but does not cover damage to the vehicles involved in the accident. What\u2019s more, not all medical expenses are covered. That\u2019s why it\u2019s mandatory to take out private <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> in addition to public insurance.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210580\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-private-car-insurance\">Private Car Insurance<\/h2>\n\n\n\n<p>As mentioned above, not all medical expenses are covered by <strong>SAAQ car insurance<\/strong>. You must therefore take out private insurance to cover any expenses not covered (Chapter A). Plus, private <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> can also cover damage to your vehicle in the event of an at-fault accident (Chapter B).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-mandatory-private-insurance-chapter-a-civil-liability\">Mandatory Private Insurance: Chapter A (Civil Liability)<\/h3>\n\n\n\n<p>Chapter A private car insurance is <strong>mandatory<\/strong> in Quebec. It essentially covers <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">civil liability<\/a>. In Quebec, it\u2019s often called \u201cone-sided insurance\u201d. If you don&#8217;t have Chapter A insurance, you could be fined and have your driver&#8217;s license suspended.<\/p>\n\n\n\n<p>This protection covers bodily injury caused to another person, which is not covered by the SAAQ, as well as property damage caused by your vehicle. Additionally, damage to your vehicle in a collision will be covered if you are not at fault for the accident. You must get this insurance through an insurance company or a broker such as <a title=\"ClicAssure\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/clicassure\/\" rel=\"noindex\">ClicAssure<\/a>.<\/p>\n\n\n\n<p>The minimum amount of <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">liability insurance<\/a> is $50,000 in Quebec. However, insurance companies generally recommend coverage of one or two million dollars. <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">Civil liability insurance<\/a> offers you the following coverage:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>Bodily injury<\/strong> caused to persons outside Quebec that is not covered by the SAAQ.<\/li>\n\n\n\n<li><strong>Material damage<\/strong> to other people\u2019s property, such as their homes or fences.<\/li>\n\n\n\n<li><strong>Material damage<\/strong> to your property if you are not responsible.<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210615\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Finally, you should always carry your driver\u2019s license, registration certificate and private car insurance certificate with you when driving on the road.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-optional-private-insurance-chapter-b-damage-to-your-vehicle\">Optional Private Insurance: Chapter B (Damage to Your Vehicle)<\/h3>\n\n\n\n<p>Chapter B car insurance coverage is <strong>optional<\/strong>. However, it is desirable in many situations, such as when buying a new car. In Quebec, it\u2019s often referred to as \u201ctwo-sided insurance\u201d. Your Chapter B insurance coverage varies according to the optional coverages you have chosen:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/collision-insurance-canada\/\">Collision insurance<\/a><\/li>\n\n\n\n<li>Comprehensive accidents (e.g. theft, vandalism, fire, flood, hail, etc.)<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/all-risk-auto-insurance-canada\/\">Comprehensive insurance<\/a><\/li>\n\n\n\n<li>Specific risks (list of risks specified in your insurance policy)<\/li>\n<\/ul><\/div>\n\n\n\n<p>For example, if you choose <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/collision-insurance-canada\/\">collision car insurance<\/a> or <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/all-risk-auto-insurance-canada\/\">comprehensive insurance<\/a>, damage to your vehicle will be covered, whether you are at fault or not.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210616,210612\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Insurance companies can also offer you additional coverage, called \u201cendorsements\u201d. For example, replacement value, roadside assistance, claims without deductible or personal insurance. Of course, you&#8217;ll have to pay additional fees to obtain these protections.<\/p>\n\n\n\n<p>Chapter B car insurance is optional and more expensive, so you get a much more comprehensive <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> package.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>In short, <strong>SAAQ public car insurance<\/strong> covers Quebec residents (with or without a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/how-do-i-pay-for-my-drivers-licence-online-in-quebec\/\">driver\u2019s license<\/a>). However, it does not cover all medical expenses. That\u2019s why you need to take out private <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> with an insurance company, which consists of two parts: Chapter A (mandatory) and Chapter B (optional).<\/p>\n\n\n\n<p>To compare insurance quotes, feel free to use our online <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare-car-insurance\/\">car insurance comparison tool<\/a> to find the one that best suits your needs.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-about-car-insurance-in-quebec\">Frequently Asked Questions About Car Insurance in Quebec<\/h2>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_car_insurance_mandatory_in_quebec_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs car insurance mandatory in Quebec?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, you are required to take out <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">civil liability insurance<\/a> (Chapter A) to drive a vehicle in Quebec. To cover damage to your vehicle in the event of an accident, you must take out optional insurance (Chapter B).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_can_i_access_my_saaqclic_account_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow can I access my SAAQclic account?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Go to <a target=\"_blank\" href=\"https:\/\/saaqclic.saaq.gouv.qc.ca\">SAAQ online services<\/a>. Go to SAAQ online services. Click on \u201cConnect\u201d and create your Government Authentication Service account (if this is your first connection to SAAQclic). Then confirm your SAAQ identification number and follow the next steps to access your SAAQclic account.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_average_premium_or_price_of_car_insurance_in_quebec_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the average premium or price of car insurance in Quebec?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The average cost of private <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/how-does-insurance-function-auto-quebec\/\">car insurance<\/a> in Quebec is $796 per year or $66.33 per month. However, the price of car insurance varies according to your driving record, place of residence, age and gender. This is in addition to <strong>SAAQ public car insurance<\/strong>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_reach_the_saaq_by_telephone_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I reach the SAAQ by telephone?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The SAAQclic portal provides quick access to SAAQ services. Otherwise, you can reach the SAAQ by telephone at 1&nbsp;800 361-7620 during weekdays.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Do you know the difference between public car insurance (SAAQ) and private insurance in Quebec? Find out more in this article.<\/p>","protected":false},"author":2488,"featured_media":406436,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[46377],"tags":[],"mc_loyalty_program":[],"class_list":["post-186230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","mc_market-quebec-en"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Public Car Insurance (SAAQ) and Private Insurance in Quebec: What\u2019s the Difference? | Milesopedia<\/title>\n<meta name=\"description\" content=\"Do you know the difference between public car insurance (SAAQ) and private insurance in Quebec? Find out more in this article.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/difference-between-public-private-car-insurance-quebec\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Public Car Insurance (SAAQ) and Private Insurance in Quebec: What\u2019s the Difference?\" \/>\n<meta property=\"og:description\" content=\"Do you know the difference between public car insurance (SAAQ) and private insurance in Quebec? Find out more in this article.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/difference-between-public-private-car-insurance-quebec\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:published_time\" content=\"2024-09-09T15:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-08T15:52:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/09\/Automobile-Assurance-2400x1260-04.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2400\" \/>\n\t<meta property=\"og:image:height\" content=\"1260\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Vincent Morin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Vincent Morin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/personal-finance\\\/insurance\\\/difference-between-public-private-car-insurance-quebec\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/personal-finance\\\/insurance\\\/difference-between-public-private-car-insurance-quebec\\\/\"},\"author\":{\"name\":\"Vincent Morin\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#\\\/schema\\\/person\\\/37a68e7a77f09265c60e10254d4bdd27\"},\"headline\":\"Public Car Insurance (SAAQ) and Private Insurance in Quebec: What\u2019s the Difference?\",\"datePublished\":\"2024-09-09T15:00:00+00:00\",\"dateModified\":\"2026-05-08T15:52:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/personal-finance\\\/insurance\\\/difference-between-public-private-car-insurance-quebec\\\/\"},\"wordCount\":1021,\"publisher\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/personal-finance\\\/insurance\\\/difference-between-public-private-car-insurance-quebec\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/Automobile-Assurance-2400x1260-04.jpg\",\"articleSection\":[\"Insurance\"],\"inLanguage\":\"en-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/personal-finance\\\/insurance\\\/difference-between-public-private-car-insurance-quebec\\\/\",\"url\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/personal-finance\\\/insurance\\\/difference-between-public-private-car-insurance-quebec\\\/\",\"name\":\"Public Car Insurance (SAAQ) and Private Insurance in Quebec: What\u2019s the Difference? - Milesopedia\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/personal-finance\\\/insurance\\\/difference-between-public-private-car-insurance-quebec\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/personal-finance\\\/insurance\\\/difference-between-public-private-car-insurance-quebec\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/Automobile-Assurance-2400x1260-04.jpg\",\"datePublished\":\"2024-09-09T15:00:00+00:00\",\"dateModified\":\"2026-05-08T15:52:47+00:00\",\"description\":\"Do you know the difference between public car insurance (SAAQ) and private insurance in Quebec? Find out more in this article.\",\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/personal-finance\\\/insurance\\\/difference-between-public-private-car-insurance-quebec\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/personal-finance\\\/insurance\\\/difference-between-public-private-car-insurance-quebec\\\/#primaryimage\",\"url\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/Automobile-Assurance-2400x1260-04.jpg\",\"contentUrl\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/Automobile-Assurance-2400x1260-04.jpg\",\"width\":2400,\"height\":1260,\"caption\":\"Public Car Insurance (SAAQ) and Private Insurance in Quebec: What\u2019s the Difference? - Automobile-Assurance-2400x1260-04\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/\",\"name\":\"Milesopedia\",\"description\":\"Programmes de fid\u00e9lit\u00e9 et cartes de cr\u00e9dit au Canada\",\"publisher\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#organization\",\"name\":\"Milesopedia\",\"url\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Milesopedia-CANADA.png\",\"contentUrl\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Milesopedia-CANADA.png\",\"width\":884,\"height\":203,\"caption\":\"Milesopedia\"},\"image\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#\\\/schema\\\/person\\\/37a68e7a77f09265c60e10254d4bdd27\",\"name\":\"Vincent Morin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/d02b4baa31a83309b3fcc7be06ea11c94f79fd2732638f0c4d12a8cb75bc7cce?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/d02b4baa31a83309b3fcc7be06ea11c94f79fd2732638f0c4d12a8cb75bc7cce?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/d02b4baa31a83309b3fcc7be06ea11c94f79fd2732638f0c4d12a8cb75bc7cce?s=96&d=mm&r=g\",\"caption\":\"Vincent Morin\"},\"description\":\"Vincent a atteint l'ind\u00e9pendance financi\u00e8re et pris sa retraite anticip\u00e9e (FIRE) \u00e0 l'\u00e2ge de 35 ans. Apr\u00e8s une carri\u00e8re en technologies financi\u00e8res pour une grande banque d\u2019investissement am\u00e9ricaine, il a fond\u00e9 Retraite101, un site de finances personnelles qui rejoint plus de 350 000 visiteurs uniques par ann\u00e9e et qui a plus de 40 000 abonn\u00e9s sur les r\u00e9seaux sociaux. Passionn\u00e9 par la finance, la lecture, le v\u00e9lo, les randonn\u00e9es et les voyages, il continue d\u2019\u00e9crire sur plusieurs m\u00e9dias qu\u00e9b\u00e9cois pour inspirer et motiver celles et ceux qui veulent prendre leurs finances en main.\",\"sameAs\":[\"https:\\\/\\\/retraite101.com\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/mvincentmorin\\\/\"],\"url\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/author\\\/vincent\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Public Car Insurance (SAAQ) and Private Insurance in Quebec: What\u2019s the Difference? | Milesopedia","description":"Do you know the difference between public car insurance (SAAQ) and private insurance in Quebec? Find out more in this article.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/difference-between-public-private-car-insurance-quebec\/","og_locale":"en_US","og_type":"article","og_title":"Public Car Insurance (SAAQ) and Private Insurance in Quebec: What\u2019s the Difference?","og_description":"Do you know the difference between public car insurance (SAAQ) and private insurance in Quebec? Find out more in this article.","og_url":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/difference-between-public-private-car-insurance-quebec\/","og_site_name":"Milesopedia","article_published_time":"2024-09-09T15:00:00+00:00","article_modified_time":"2026-05-08T15:52:47+00:00","og_image":[{"width":2400,"height":1260,"url":"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/09\/Automobile-Assurance-2400x1260-04.jpg","type":"image\/jpeg"}],"author":"Vincent Morin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Vincent Morin","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/difference-between-public-private-car-insurance-quebec\/#article","isPartOf":{"@id":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/difference-between-public-private-car-insurance-quebec\/"},"author":{"name":"Vincent Morin","@id":"https:\/\/mp-2702.milesopedia.dev\/en\/#\/schema\/person\/37a68e7a77f09265c60e10254d4bdd27"},"headline":"Public Car Insurance (SAAQ) and Private Insurance in Quebec: What\u2019s the Difference?","datePublished":"2024-09-09T15:00:00+00:00","dateModified":"2026-05-08T15:52:47+00:00","mainEntityOfPage":{"@id":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/difference-between-public-private-car-insurance-quebec\/"},"wordCount":1021,"publisher":{"@id":"https:\/\/mp-2702.milesopedia.dev\/en\/#organization"},"image":{"@id":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/difference-between-public-private-car-insurance-quebec\/#primaryimage"},"thumbnailUrl":"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/09\/Automobile-Assurance-2400x1260-04.jpg","articleSection":["Insurance"],"inLanguage":"en-CA"},{"@type":"WebPage","@id":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/difference-between-public-private-car-insurance-quebec\/","url":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/difference-between-public-private-car-insurance-quebec\/","name":"Public Car Insurance (SAAQ) and Private Insurance in Quebec: What\u2019s the Difference? - Milesopedia","isPartOf":{"@id":"https:\/\/mp-2702.milesopedia.dev\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/difference-between-public-private-car-insurance-quebec\/#primaryimage"},"image":{"@id":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/difference-between-public-private-car-insurance-quebec\/#primaryimage"},"thumbnailUrl":"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/09\/Automobile-Assurance-2400x1260-04.jpg","datePublished":"2024-09-09T15:00:00+00:00","dateModified":"2026-05-08T15:52:47+00:00","description":"Do you know the difference between public car insurance (SAAQ) and private insurance in Quebec? Find out more in this article.","inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/difference-between-public-private-car-insurance-quebec\/"]}]},{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/difference-between-public-private-car-insurance-quebec\/#primaryimage","url":"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/09\/Automobile-Assurance-2400x1260-04.jpg","contentUrl":"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/09\/Automobile-Assurance-2400x1260-04.jpg","width":2400,"height":1260,"caption":"Public Car Insurance (SAAQ) and Private Insurance in Quebec: What\u2019s the Difference? - Automobile-Assurance-2400x1260-04"},{"@type":"WebSite","@id":"https:\/\/mp-2702.milesopedia.dev\/en\/#website","url":"https:\/\/mp-2702.milesopedia.dev\/en\/","name":"Milesopedia","description":"Programmes de fid\u00e9lit\u00e9 et cartes de cr\u00e9dit au Canada","publisher":{"@id":"https:\/\/mp-2702.milesopedia.dev\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/mp-2702.milesopedia.dev\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-CA"},{"@type":"Organization","@id":"https:\/\/mp-2702.milesopedia.dev\/en\/#organization","name":"Milesopedia","url":"https:\/\/mp-2702.milesopedia.dev\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/mp-2702.milesopedia.dev\/en\/#\/schema\/logo\/image\/","url":"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/08\/Milesopedia-CANADA.png","contentUrl":"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/08\/Milesopedia-CANADA.png","width":884,"height":203,"caption":"Milesopedia"},"image":{"@id":"https:\/\/mp-2702.milesopedia.dev\/en\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/mp-2702.milesopedia.dev\/en\/#\/schema\/person\/37a68e7a77f09265c60e10254d4bdd27","name":"Vincent Morin","image":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/secure.gravatar.com\/avatar\/d02b4baa31a83309b3fcc7be06ea11c94f79fd2732638f0c4d12a8cb75bc7cce?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d02b4baa31a83309b3fcc7be06ea11c94f79fd2732638f0c4d12a8cb75bc7cce?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d02b4baa31a83309b3fcc7be06ea11c94f79fd2732638f0c4d12a8cb75bc7cce?s=96&d=mm&r=g","caption":"Vincent Morin"},"description":"Vincent a atteint l'ind\u00e9pendance financi\u00e8re et pris sa retraite anticip\u00e9e (FIRE) \u00e0 l'\u00e2ge de 35 ans. Apr\u00e8s une carri\u00e8re en technologies financi\u00e8res pour une grande banque d\u2019investissement am\u00e9ricaine, il a fond\u00e9 Retraite101, un site de finances personnelles qui rejoint plus de 350 000 visiteurs uniques par ann\u00e9e et qui a plus de 40 000 abonn\u00e9s sur les r\u00e9seaux sociaux. Passionn\u00e9 par la finance, la lecture, le v\u00e9lo, les randonn\u00e9es et les voyages, il continue d\u2019\u00e9crire sur plusieurs m\u00e9dias qu\u00e9b\u00e9cois pour inspirer et motiver celles et ceux qui veulent prendre leurs finances en main.","sameAs":["https:\/\/retraite101.com\/","https:\/\/www.linkedin.com\/in\/mvincentmorin\/"],"url":"https:\/\/mp-2702.milesopedia.dev\/en\/author\/vincent\/"}]}},"_links":{"self":[{"href":"https:\/\/mp-2702.milesopedia.dev\/en\/wp-json\/wp\/v2\/posts\/186230","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mp-2702.milesopedia.dev\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mp-2702.milesopedia.dev\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mp-2702.milesopedia.dev\/en\/wp-json\/wp\/v2\/users\/2488"}],"replies":[{"embeddable":true,"href":"https:\/\/mp-2702.milesopedia.dev\/en\/wp-json\/wp\/v2\/comments?post=186230"}],"version-history":[{"count":5,"href":"https:\/\/mp-2702.milesopedia.dev\/en\/wp-json\/wp\/v2\/posts\/186230\/revisions"}],"predecessor-version":[{"id":477795,"href":"https:\/\/mp-2702.milesopedia.dev\/en\/wp-json\/wp\/v2\/posts\/186230\/revisions\/477795"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mp-2702.milesopedia.dev\/en\/wp-json\/wp\/v2\/media\/406436"}],"wp:attachment":[{"href":"https:\/\/mp-2702.milesopedia.dev\/en\/wp-json\/wp\/v2\/media?parent=186230"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mp-2702.milesopedia.dev\/en\/wp-json\/wp\/v2\/categories?post=186230"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mp-2702.milesopedia.dev\/en\/wp-json\/wp\/v2\/tags?post=186230"},{"taxonomy":"mc_loyalty_program","embeddable":true,"href":"https:\/\/mp-2702.milesopedia.dev\/en\/wp-json\/wp\/v2\/mc_loyalty_program?post=186230"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}