Whether you drive a traditional taxi, are an Uber, Lyft, Eva, Téo Taxi driver or operate your own paid carpooling service in Quebec, you need taxi insurance that complies with the framework of the Act respecting remunerated transportation by automobile. At Assur360, our AMF-certified brokers find the best premiums with the few insurers that cover this specialized segment — PL-250 endorsement, $2 million liability insurance, dashcam and telematics for discounts.
IN BRIEF
Taxi insurance (individual vehicle)
Independent taxi drivers (owners of their vehicle) must take out commercial vehicle insurance for passenger transport. Typical annual premium: $5,000 to $12,000/year.
Restricted markets: Few insurers in Quebec accept taxis. An independent broker accessing specialized markets (Echelon, specialized RSA) is essential to compare.
PL-250 ENDORSEMENT COMPLIANT
Paid Transportation Insurance — Taxi, Uber, Lyft, Eva
Complete protection for drivers with SAAQ Class 4C license. Submission in 3 minutes.
Get My QuoteWho should have taxi insurance in Quebec?
Since the coming into force of the Act respecting remunerated transportation by automobile (October 2020), any driver who transports passengers for remuneration in Quebec — regardless of the platform — must hold an SAAQ Class 4C license and compliant commercial insurance . A personal auto policy does NOT cover paid transportation: any claim during a ride would be denied.
Traditional taxi
Taxi driver operating under a fleet or as an independent — Diamond, Pontiac, Champlain, Coop, etc. Full-time taxi coverage.
Uber, Lyft, Eva drivers
Paid transportation platforms — full-time or part-time driving. Endorsement PL-250 covers periods with passengers and between trips (open app).
Paid carpooling
Any paid transportation service, including shuttles, VIP private services, corporate services. The QC law applies the same rules to all these models.
Essential coverages for taxi drivers
Endorsement PL-250 (remunerated transport)
Mandatory endorsement in Quebec for any vehicle used in remunerated transportation. Classifies your vehicle as commercial and activates the appropriate coverages.
RCA $2 million minimum
Civil liability for injuries to passengers, pedestrians and other vehicles. $2 million is the minimum — we recommend $5 million for regular drivers.
Collision and all-perils
Vehicle protection — collision, theft, fire, vandalism. Typical deductible $500 to $1,000. Operating losses (revenues) if vehicle is immobilized.
Passenger Effects
Suitcases, equipment, personal items left in the vehicle — covered against theft, loss or damage during the ride.
Dashcam (10-25% discount)
Front-rear dash cam — proof in case of claim, protection against passenger fraud. Most QC insurers offer a significant discount.
Extended medical expenses
Supplement to SAAQ benefits for passenger medical expenses — injuries, ambulance, long-term care, out-of-Quebec expenses if long-distance trips.
Steps to get your license and insurance
SAAQ Class 4C licence
Obtain a class 4C driver’s licence from the SAAQ — theory + practical test. Criminal record checked, minimum driving seniority 3 years.
Registration as a guarantor with the CTQ
Registration with the Commission des transports du Québec (CTQ) or membership in an authorized guarantor (classic taxi, Uber Canada, Eva Québec, etc.).
Insurance with PL-250 endorsement
Our Assur360 brokers shop around with insurers that offer the PL-250 endorsement and cover VTC drivers — few options available in Quebec.
Activation on the platform
Upload proof of compliant insurance to Uber, Lyft, Eva — activate your driver profile and start rides.
Install a front-to-back dashcam
A quality front-to-back dashcam ($200 to $400) often gives you a 10% to 25% discount on your annual insurance. It also protects against false passenger claims and speeds up your procedures in the event of an actual accident. Investment pays off in less than 6 months.
Quebec Taxi/VTC Insurance Rates 2026
| Driver | TypeUsage | Vehicle | Annual premium approx. |
|---|---|---|---|
| Part-time | VTC driverLess than 20 hours/week | Mid-range | sedan$2,500 to $4,500 |
| Full-time | VTC driver40+ h/week | Mid-range | sedan$4,500 to $7,500 |
| Traditional Owner | TaxiFull-time | Dedicated | taxi vehicle$5,500 to $9,000 |
| SUV/Van (VIP Service) | Full-time | Full-capacity | SUVs$6,500 to $11,000 |
*Indicative rates for 2026, vary according to driving record, territory and platform. Exact quote in 3 minutes.
Risk of refusal if the application does not comply
Driving on a VTC platform (Uber, Lyft, Eva) with only a personal policy = any claim during a ride is refused. The driver is personally liable for damage to his vehicle, his passenger and third parties — possibly hundreds of thousands of dollars.
SAVE UP TO 25%
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Free comparison with dashcam and telematics. Real savings for experienced drivers.
Compare my premiumRegions served in Quebec
Assur360 insures taxi, Uber, Lyft and Eva drivers in all regions where these services operate — Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Thetford Mines, Longueuil, Lévis, Drummondville, Rimouski, Saint-Hyacinthe. Our brokers know the particularities of each territory — high demand in Montreal, tourist clientele in Quebec City, airport areas — and adapt coverage according to your main area of activity.
Related Articles and Pages
Personal car insurance
If you use your car only for personal purposes.
Commercial Auto Insurance
Vehicles used in the context of a business (fleet, delivery).
Trucking Insurance
Transportation of goods, heavy trucks and commercial vehicles.
Substandard Auto
Difficult driving record? We have suitable solutions.
Frequently asked questions — Taxi insurance, Uber, Lyft, Eva
Why trust Assur360?
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Insure your paid transportation activity
Taxi, Uber, Lyft, Eva — SAAQ-compliant PL-250 endorsement. Submission in 3 minutes.
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