{"id":106773,"date":"2026-09-11T10:00:00","date_gmt":"2026-09-11T14:00:00","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/saaq-2026-contribution-increase-real-impact-on-your-car-budget\/"},"modified":"2026-09-11T10:00:44","modified_gmt":"2026-09-11T14:00:44","slug":"saaq-2026-contribution-increase-real-impact-on-your-car-budget","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/saaq-2026-contribution-increase-real-impact-on-your-car-budget\/","title":{"rendered":"SAAQ 2026 Contribution Increase: Real Impact on Your Car Budget"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}.entry-content .ez-toc-widget-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/logo-assur360.png\", \"telephone\": \"1-866-357-4451\", \"address\": {\"@type\": \"PostalAddress\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"addressCountry\": \"CA\"}, \"areaServed\": \"QC\"}<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">After the <strong>historic reimbursement in 2024<\/strong>, the <strong>SAAQ is returning to a normal cycle in 2026<\/strong> with a gradual increase in the insurance contribution on registration. For a standard passenger vehicle, the annual increase is between <strong>$5 and $25<\/strong> \u2014 more for drivers with demerit points. Our <strong>AMF-certified Assur360 brokers<\/strong> explain the real impact on your budget and how to compensate for the increase by shopping around your private insurance smartly.  <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">SAAQ 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Contribution-increase-compensate-with-shopping\"><\/span>Contribution increase: compensate with shopping<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our Assur360 brokers compare 8+ insurers \u2014 average savings of $300-800\/year.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">My Car Quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\"><div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">+$5-25<\/div><div style=\"color:#64748b;font-size:13px;\">2026 SAAQ Increase<\/div><\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$100-130<\/div><div style=\"color:#64748b;font-size:13px;\">Sample contribution<\/div><\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$300-800<\/div><div style=\"color:#64748b;font-size:13px;\">Shopping Savings<\/div><\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div><div style=\"color:#64748b;font-size:13px;\">Assur360 Quote<\/div><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-the-SAAQ-contribution-really-covers\"><\/span>What the SAAQ contribution really covers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\"><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc65<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Bodily injury to the driver<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Injuries, deaths, income replacement indemnities, medical expenses. No-fault public plan. <\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\uddcd<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Vehicle passengers<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Ditto \u2014 protected even if the driver is at fault for the accident.<\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udeab<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">NOT civil liability<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Damage to others (vehicles, property, injuries to third parties) \u2014 your private car insurance covers.<\/p><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Impact-of-the-2026-SAAQ-increase-by-profile\"><\/span>Impact of the 2026 SAAQ increase by profile<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\"><table style=\"width:100%;border-collapse:collapse;font-size:14px;\"><thead><tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Profile<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Contribution 2025<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Contribution 2026*<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Increase<\/th><\/tr><\/thead><tbody><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">Passenger Vehicle, Clean Record<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$95 $<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">105-115 +<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$10 to $20<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">Passenger Vehicle, 4-6 points<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$180<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">195-210<\/td>+ <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$15-$30<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">Heavy Pickup Truck \/ SUV<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$125<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">140-155<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+ $15-$30<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">New Driver (Probationary Licence)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$220<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">240-270<\/td>+ <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$20-$50<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">Past Criminal Conviction<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$500-1,500<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+ 5-10%<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+ $25 to $150<\/td><\/tr><\/tbody><\/table><\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\">Get your exact price in 3 minutes<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-compensate-for-the-increase-in-3-actions\"><\/span>How to compensate for the increase in 3 actions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\"><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Compare your private car insurance<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Our Assur360 brokers compare 8+ insurers in 3 minutes. Average savings: $300-800\/year \u2014 more than enough to absorb the SAAQ increase. <\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Add telematics<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Intact Drive, Belairdirect, DrivExpert, Ajusto programs. 10-25% discount for good driving \u2014 cumulative with other savings. <\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Combining car + home<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Multi-product discounts of 10-15% at most insurers. Combined with shopping, often 25-40% total savings. <\/p><\/div><\/div><\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Our standard calculation<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">2026 SAAQ increase: <strong style=\"color:#ffffff;\">+$15\/year<\/strong>. Average savings by changing insurers: <strong style=\"color:#ffffff;\">+$400\/year<\/strong>. Telematics addition: <strong style=\"color:#ffffff;\">+$200\/year<\/strong>. Net balance: <strong style=\"color:#ffffff;\">+$585\/year in your pocket<\/strong> despite the SAAQ increase.   <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Beware-of-demerit-points\"><\/span>Beware of demerit points<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\"><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcc4<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">0-3 points: normal contribution<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">No SAAQ surcharge. Standard contribution $100-130\/year. <\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\u26a0\ufe0f<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">4-6 points: moderate overcontribution<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">SAAQ overcontribution $50-100\/year. Be careful not to accumulate more. <\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udea8<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">7+ points or criminal: heavy<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Overcontribution $500-$1,500\/year for 3-5 years. Major impact on the private premium as well. <\/p><\/div><\/div>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Never fight SAAQ automation lightly<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">A contribution or points dispute without a strong case can make your situation worse. Consult a traffic lawyer if you want to contest \u2014 $250-500 consultation, but can save $1,000-5,000 in overcontribution. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">Absorb the 2026 SAAQ increase<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Shop for your private car insurance<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our Assur360 brokers compare 8+ insurers and find you the best price \u2014 free, 3 min.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Free quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call a broker<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Our-car-range\"><\/span>Our car range<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\"><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude97<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Standard Car Insurance<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Compare 8+ insurers for your car or SUV.<\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc76<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Young driver insurance<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Probationary license, driving lessons, specific discounts.<\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd04<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Substandard car insurance<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Refused elsewhere? Our brokers have solutions. <\/p><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Assur360-covers-all-of-Quebec\"><\/span>Assur360 covers all of Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:16px;line-height:1.8;color:#334155;\">Whether you are in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong> or <strong>Thetford Mines<\/strong>, our AMF-certified brokers compare car insurance in the face of the 2026 SAAQ increase with several partner insurers in Quebec.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles\"><\/span>Related articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\"><a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/2026-saaq-75-license-refund-shop-car-insurance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">2026 SAAQ Refund \u2014 Permit<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">How to shop around for insurance after reimbursement.<\/p><\/a><a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/2026-quebec-auto-insurance-rate-increase-numbers-causes-and-solutions\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Car price increase 2026<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Causes and 8 solutions to compensate.<\/p><\/a><a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/fpq-5-vs-endorsement-43a-vs-43d-which-one-to-choose-in-2026\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">FPQ 5 vs 43A vs 43D Endorsement<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Choosing the right replacement cost coverage.<\/p><\/a><a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/i-compared-7-car-insurers-quebec-2026-400-difference-broker-guide\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Comparison of 7 insurers in Quebec<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Complete 2026 ranking by service and price.<\/p><\/a><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-the-SAAQ-2026\"><\/span>Frequently asked questions about the SAAQ 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\"><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is the SAAQ really increasing its contribution in 2026?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. After the <strong>surprise of the 2024 reimbursement<\/strong> (plan surplus), the SAAQ is returning to a normal cycle in 2026 with a <strong>gradual increase<\/strong> in the insurance contribution on registration. The typical annual increase is between $5 and $25 depending on the type of vehicle and the points record.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much will the SAAQ contribution increase in 2026?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">For a standard passenger vehicle with no demerit points, the contribution typically increases from <strong>$90-110 to $100-130\/year<\/strong>. For a driver with 4+ points, the surcharge can add $200-400\/year. See saaq.gouv.qc.ca for the exact amount according to your profile.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does the SAAQ contribution replace my private car insurance?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No \u2014 the SAAQ contribution only covers <strong>bodily injury<\/strong> (injuries, death) to the driver and passengers. You still need private car insurance for <strong>third-party liability<\/strong> (mandatory) and <strong>vehicle damage<\/strong> (optional but strongly recommended). <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How can I compensate for the SAAQ increase in my budget?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The most effective way is to shop around for your private car insurance. The difference between the cheapest and the most expensive for the same profile is often 40-60%. Our Assur360 brokers compare 8+ insurers for free \u2014 the average savings are more than enough to absorb the SAAQ increase.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I pay the SAAQ contribution monthly?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, the SAAQ offers payment in <strong>2 installments<\/strong> (at registration and mid-year). For a 100% monthly payment, many insurers include the SAAQ contribution in their monthly billing \u2014 check with your broker. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do demerit points increase my contribution?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. Each demerit point above 4 increases the SAAQ contribution. A suspended licence or a criminal conviction (alcohol, hit-and-run) results in a <strong>major overcontribution<\/strong> \u2014 sometimes up to $500-1,500\/year for 5 years.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Will the 2024 SAAQ refund be repeated?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Unlikely in the short term. The <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/2026-saaq-75-license-refund-shop-car-insurance\/\">2024 repayment<\/a> was the result of an exceptional surplus in the plan. The actuarial cycle now provides for regular increases to maintain the solvency of the plan \u2014 no new repayment expected for 5-10 years.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How do I get a private car insurance quote?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Contact Assur360 online or at 1-866-357-4451. Provide: driver&#8217;s license, registration, driving record. Our AMF-certified brokers compare 8+ insurers in 3 minutes and present you with the best price \u2014 free, no obligation.  <\/div><\/details><\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"La SAAQ hausse-t-elle vraiment sa contribution en 2026 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Apr\u00e8s la <strong>surprise du remboursement 2024 (surplus du r\u00e9gime), la SAAQ revient \u00e0 un cycle normal en 2026 avec une <\/strong><strong>hausse progressive de la contribution d'assurance sur l'immatriculation. La hausse annuelle typique se situe entre 5 $ et 25 $ selon le type de v\u00e9hicule et le dossier de points.\"}}, {\"@type\": \"Question\", \"name\": \"De combien augmente la contribution SAAQ en 2026 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pour un v\u00e9hicule de tourisme standard sans points de d\u00e9m\u00e9rite, la contribution passe typiquement de <\/strong><strong>90-110 $ \u00e0 100-130 $\/an. Pour un conducteur avec 4+ points, la surcontribution peut ajouter 200-400 $\/an. Consultez saaq.gouv.qc.ca pour le montant exact selon votre profil.\"}}, {\"@type\": \"Question\", \"name\": \"La contribution SAAQ remplace-t-elle mon assurance auto priv\u00e9e ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non \u2014 la contribution SAAQ couvre uniquement les <\/strong><strong>dommages corporels (blessures, d\u00e9c\u00e8s) au conducteur et aux passagers. Vous avez toujours besoin d'une assurance auto priv\u00e9e pour la <\/strong><strong>responsabilit\u00e9 civile envers les tiers (obligatoire) et les <\/strong><strong>dommages au v\u00e9hicule (optionnel mais fortement recommand\u00e9).\"}}, {\"@type\": \"Question\", \"name\": \"Comment compenser la hausse SAAQ dans mon budget ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La fa\u00e7on la plus efficace : magasiner votre assurance auto priv\u00e9e. L'\u00e9cart entre le moins cher et le plus cher pour un m\u00eame profil est souvent de 40-60 %. Nos courtiers Assur360 comparent 8+ assureurs gratuitement \u2014 les \u00e9conomies moyennes suffisent largement \u00e0 absorber la hausse SAAQ.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je payer la contribution SAAQ mensuellement ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, la SAAQ offre le paiement en <\/strong><strong>2 versements (\u00e0 l'immatriculation et \u00e0 mi-ann\u00e9e). Pour un paiement 100 % mensuel, plusieurs assureurs incluent la contribution SAAQ dans leur facturation mensuelle \u2014 v\u00e9rifiez avec votre courtier.\"}}, {\"@type\": \"Question\", \"name\": \"Les points de d\u00e9m\u00e9rite augmentent-ils ma contribution ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Chaque point de d\u00e9m\u00e9rite au-del\u00e0 de 4 augmente la contribution SAAQ. Un permis suspendu ou une condamnation criminelle (alcool, d\u00e9lit de fuite) entra\u00eene une <\/strong><strong>surcontribution majeure \u2014 parfois jusqu'\u00e0 500-1 500 $\/an pendant 5 ans.\"}}, {\"@type\": \"Question\", \"name\": \"Le remboursement SAAQ 2024 sera-t-il r\u00e9p\u00e9t\u00e9 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Improbable \u00e0 court terme. Le <a href=\\\"\/blog\/mes-finances\/remboursement-saaq-2026-permis-magasiner-assurance-auto-quebec\/\\\">remboursement de 2024 \u00e9tait le r\u00e9sultat d'un surplus exceptionnel du r\u00e9gime. Le cycle actuariel pr\u00e9voit maintenant des hausses r\u00e9guli\u00e8res pour maintenir la solvabilit\u00e9 du r\u00e9gime \u2014 pas de nouveau remboursement attendu avant 5-10 ans.\"}}, {\"@type\": \"Question\", \"name\": \"Comment obtenir une soumission d'assurance auto priv\u00e9e ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Contactez Assur360 en ligne ou au 1-866-357-4451. Fournissez : permis de conduire, immatriculation, dossier de conduite. Nos courtiers certifi\u00e9s AMF comparent 8+ assureurs en 3 min et vous pr\u00e9sentent le meilleur prix \u2014 gratuit, sans engagement.\"}}]}<\/a><\/strong><\/script> \n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified brokers<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\"><strong>Member of the Insurance Chamber<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> comparator<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Partner firms in <strong>Quebec<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\"><strong>Bilingual<\/strong> service FR + EN<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">Offset the SAAQ increase in 3 minutes<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Free private car quote<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our AMF-certified brokers compare 8+ insurers and negotiate the best 2026 discounts.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Free quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call a broker<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Mes finances\", \"item\": \"https:\/\/www.assur360.ca\/blog\/mes-finances\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"SAAQ hausse contribution 2026\", \"item\": \"https:\/\/www.assur360.ca\/blog\/mes-finances\/saaq-hausse-contribution-2026-impact-budget-auto\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>SAAQ increase contribution 2026 in Quebec: impact auto budget and how to compensate via private insurance shopping.<\/p>\n","protected":false},"author":49,"featured_media":106774,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"SAAQ 2026 Contribution Increase: Budget Impact | Assur360","_seopress_titles_desc":"SAAQ 2026 contribution increase in Quebec: real impact on your car budget. 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