Good news · Back to school 2026
The SAAQ reimburses you 75% of your licence — take the opportunity to shop around for your car insurance
$462 million to be redistributed to Quebecers in 2026. Earn with the new wave of insurer discounts.
Good news for the 5.5 million licence holders in Quebec: the SAAQ is granting a 75% discount on the insurance portion of your driver’s licence in 2026. In concrete terms, a Class 5 licence holder without demerit points pays about $50 instead of $121. Province-wide, $462 million remains in the pockets of Quebecers.
But here’s the math that few people do: it’s the perfect time to shop around for your private car insurance as well. Average rate increases of 15% in 2026 create massive differences between insurers — up to $400 for the same profile. Add up the SAAQ reimbursement and a shopping well done, and you’re potentially at more than $470 in savings in 2026.
How the 2026 SAAQ rebate breaks down
| Class of License | Regular Price | Discount 75% | Price paid 2026 |
|---|---|---|---|
| Class 5 (Auto, No Points) | $121 | -$71 | 50 |
| Class 5 (1 to 3 points) | $142 | -$45 | 97 |
| Class 6A (Motorcycle) | $550 | -$300 | 250 |
| Class 1 (Heavy Truck) | $385 | -$210 | 175 |
Estimates for a clean file. The actual discount decreases in the presence of demerit points.
The opportunity not to be missed: shopping for your private insurance
The SAAQ public plan covers bodily injury regardless of the fault. Your private insurance covers:
- Property damage to your vehicle (Comprehensive + Collision)
- Your civil liability for injuries and damages outside Quebec
- Roadside Assistance, Replacement Vehicle, Endorsement FAQ 27
In 2026, several factors are shaking up private prices:
- Average rate increases of 15% in car insurance (post-theft cancellations, repair costs)
- New telematics discounts (Aviva Journey, Belair Mobiliz): up to 25% for good drivers
- Renegotiated auto + home bundles — up to 15% at Intact, Belair, TD
💡 Calculating double savings
→ 2026 SAAQ Rebate: -$71 (Class 5 license)
→ Average difference in insurance shopping: -$340
→ Car + Home Bundle: -$150
→ Telematics good driving: -$200
Cumulative annual savings: up to $761
The 3-step process
Renew your licence
The SAAQ 75% discount is automatic — no steps to take. Pay the reduced amount displayed on your renewal notice.
Compare your private premium
A broker queries 10+ insurers in 3 minutes. You receive 3 to 5 comparable offers, with the numerical difference compared to your current policy.
Choose without obligation
If an offer beats your current premium, your broker will manage the termination of the old one to avoid any lapse in coverage.
A service accessible everywhere in Quebec
Our brokers assist residents of Quebec City, Lévis, Trois-Rivières, Sherbrooke, Saguenay, Gatineau, Rimouski and Rouyn-Noranda. Each region has its own rate differences — an identical profile often pays $150 to $300 less in Trois-Rivières than in Laval.
Frequently asked questions
Does the SAAQ 75% discount apply to my license plate as well?
How long does it take to shop for car insurance?
Can I cancel before the end of the term?
Does a broker charge fees?
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Ready to combine SAAQ + shopping?
Submission in 3 minutes, without obligation. 10+ insurers compared.
