After the historic reimbursement in 2024, the SAAQ is returning to a normal cycle in 2026 with a gradual increase in the insurance contribution on registration. For a standard passenger vehicle, the annual increase is between $5 and $25 — more for drivers with demerit points. Our AMF-certified Assur360 brokers explain the real impact on your budget and how to compensate for the increase by shopping around your private insurance smartly.
SAAQ 2026
Contribution increase: compensate with shopping
Our Assur360 brokers compare 8+ insurers — average savings of $300-800/year.
My Car QuoteWhat the SAAQ contribution really covers
Bodily injury to the driver
Injuries, deaths, income replacement indemnities, medical expenses. No-fault public plan.
Vehicle passengers
Ditto — protected even if the driver is at fault for the accident.
NOT civil liability
Damage to others (vehicles, property, injuries to third parties) — your private car insurance covers.
Impact of the 2026 SAAQ increase by profile
| Profile | Contribution 2025 | Contribution 2026* | Increase |
|---|---|---|---|
| Passenger Vehicle, Clean Record | $95 $ | 105-115 + | $10 to $20 |
| Passenger Vehicle, 4-6 points | $180 | $195-210 | +$15-$30 |
| Heavy Pickup Truck / SUV | $125 | $140-155 | + $15-$30 |
| New Driver (Probationary Licence) | $220 | $240-270 | +$20-$50 |
| Past Criminal Conviction | $500-1,500 | + 5-10% | + $25 to $150 |
*Indicative rates 2026. Get your exact price in 3 minutes.
How to compensate for the increase in 3 actions
Compare your private car insurance
Our Assur360 brokers compare 8+ insurers in 3 minutes. Average savings: $300-800/year — more than enough to absorb the SAAQ increase.
Add telematics
Intact Drive, Belairdirect, DrivExpert, Ajusto programs. 10-25% discount for good driving — cumulative with other savings.
Combining car + home
Multi-product discounts of 10-15% at most insurers. Combined with shopping, often 25-40% total savings.
Our standard calculation
2026 SAAQ increase: +$15/year. Average savings by changing insurers: +$400/year. Telematics addition: +$200/year. Net balance: +$585/year in your pocket despite the SAAQ increase.
Beware of demerit points
0-3 points: normal contribution
No SAAQ surcharge. Standard contribution $100-130/year.
4-6 points: moderate overcontribution
SAAQ overcontribution $50-100/year. Be careful not to accumulate more.
7+ points or criminal: heavy
Overcontribution $500-$1,500/year for 3-5 years. Major impact on the private premium as well.
Never fight SAAQ automation lightly
A contribution or points dispute without a strong case can make your situation worse. Consult a traffic lawyer if you want to contest — $250-500 consultation, but can save $1,000-5,000 in overcontribution.
Absorb the 2026 SAAQ increase
Shop for your private car insurance
Our Assur360 brokers compare 8+ insurers and find you the best price — free, 3 min.
Free quote Call a brokerOur car range
Standard Car Insurance
Compare 8+ insurers for your car or SUV.
Young driver insurance
Probationary license, driving lessons, specific discounts.
Substandard car insurance
Refused elsewhere? Our brokers have solutions.
Assur360 covers all of Quebec
Whether you are in Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay or Thetford Mines, our AMF-certified brokers compare car insurance in the face of the 2026 SAAQ increase with several partner insurers in Quebec.
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Frequently asked questions about the SAAQ 2026
Why trust Assur360?
Offset the SAAQ increase in 3 minutes
Free private car quote
Our AMF-certified brokers compare 8+ insurers and negotiate the best 2026 discounts.
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