Vrai coût de possession sur 5 ans — Québec 2026
Comparez deux véhicules côte à côte : achat, dépréciation, financement, essence, assurance, entretien.
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📊 Véhicule A
📊 Véhicule B
Simulation tool — indicative result
This calculator provides an estimate based on Quebec averages and the values you enter. It does not take into account taxes (GST/QST), provincial/federal rebates for electric vehicles (Roulez vert, iVZE), or the particularities of your profile. For a purchase decision, consult an AMF-certified dealership, accountant or insurance broker .
Why Sticky Price Is Not the True Price
The purchase price of a car is less than half of what it will cost you over 5 years. Depreciation (loss of value), fuel, insurance, maintenance and interest on financing typically add $25,000 to $50,000 to the initial amount. Comparing two vehicles on the sticky price alone is the first mistake to avoid.
Depreciation 30-50% in 5 years
A new sedan loses ~50% of its value in 5 years. A luxury SUV can reach 60%. An EV varies greatly depending on the model (often 40-55%).
Fuel: $7,000 to $12,000 / 5 years
For 15,000 km/year, count ~$9,000 of gas for a vehicle at 8 L/100 km. An EV at 18 kWh/100 km: ~$1,050 — a huge gap.
Insurance: $5,500 / 5 years
A premium of $1,100/year × 5 years = $5,500. Optimizing this position with a broker can reduce by 20-30%, or $1,500+ in savings.
💡 Broker Tip
The most optimisable item in the annual cost of a car is insurance. By comparing 4-5 insurers via a broker, many Quebecers save $200-500/year without reducing their coverage.
Also consider applying for the FPQ-5 (replacement cost protection) if you buy a recent vehicle, and the electric vehicle discount from several insurers.
Frequently asked questions
Does the calculator include taxes (GST/QST)?
What about the Roulez vert / iVZE rebates for electric vehicles?
How to estimate the resale value?
What should I do if my vehicle is leased?
Why is my insurance more expensive than the average calculator?
The most controllable item is insurance
Free quote — compare 3-5 insurers in 24 hours via an AMF broker.