Rates and Fines

Insurance Contributions for 2021-2022

The proposed insurance contributions for 2022 are presented below.

Note that, for 2022 and 2023, holders of a Class 5 (passenger vehicle) or 6 (motorcycle) driver’s licence—with the exception of learner drivers—will benefit from a payment holiday from the insurance contribution applicable to driver’s licences. They will only have to pay licence fees, administrative fees and the insurance contribution applicable to any accumulated demerit points.

1 Passenger Vehicles – Driver’s Licence and Vehicle Registration

Driver’s Licence (Class 5)

Insurance Contributions for Passenger Vehicle Driver’s Licence Holders

Licence Contribution for 2021 Contribution for 2022 Contribution for 2022
(including payment holiday)
Difference Number of licence holders
Driver’s licence and probationary licence
With no demerit points $58.65 $83.62 $0.00 -$58.65 4,666,000
1 to 3 demerit points $99.99 $135.91 $52.29 -$47.70 829,000
4 to 6 demerit points $149.10 $195.23 $111.61 -$37.49 227,000
7 to 9 demerit points $179.00 $238.72 $155.10 -$23.90 62,000
10 to 14 demerit points $186.57 $304.35 $220.73 $34.16 26,000
15 or more demerit points $370.62 $520.51 $436.89 $66.27 5,000
Learner’s licence $25.98 $26.54 $26.54 $0.56 265,000
Restricted licence* $146.91 $180.91 $97.29 -$49.62 10,000

* Licence that only authorizes driving a vehicle equipped with an alcohol ignition interlock device.

Vehicle Registration

Insurance Contributions for Passenger Vehicle Owners

Contribution for 2021 Contribution for 2022 Difference Number of renewals
$67.59 $59.39 -$8.20 5,192,000

2 Motorcycles – Driver’s Licence (Class 6 only)

Insurance Contributions for Motorcycle Driver’s Licence Holders

Driver’s licence and probationary licence

Licence Contribution for 2021 Contribution for 2022 Contribution for 2022
(including payment holiday)
Difference  Number of licence holders
With no demerit points $65.31 $69.96 $0.00 -$65.31 Fewer than 500
1 to 3 demerit points $106.57 $112.66 $42.70 -$63.87
4 to 6 demerit points $144.31 $151.72 $81.76 -$62.55
7 to 9 demerit points $194.46 $203.63 $133.67 -$60.79
10 to 14 demerit points $223.50 $233.68 $163.72 -$59.78
15 or more demerit points $462.82 $481.38 $411.42 -$51.40

Learner’s licence

Licence Contribution for 2021 Contribution for 2022 Difference Number of licence holders
With no demerit points $21.90 $195.59 $173.69 24,000
1 to 3 demerit points $21.90 $314.97 $293.07 8,000
4 to 6 demerit points $21.90 $424.17 $402.27 Very low number
7 to 9 demerit points $21.90 $569.29 $547.39
10 to 14 demerit points $21.90 $653.31 $631.41 Exceptional situation
15 or more demerit points $21.90 $1,345.81 $1,323.91

3 Motorcycles – Driver's Licence (Classes 5 and 6)

Insurance Contributions for Holders of Both a Motorcycle and a Passenger Vehicle Driver's Licence

Licence Contribution for 2021 Contribution for 2022 Contribution for 2022
(including payment holiday)
Difference Number of licence holders
Driver’s licence and probationary licence
With no demerit points $123.96 $153.58 $0.00 -$123.96 377,000
1 to 3 demerit points $206.56 $248.57 $94.99 -$111.57 95,000
4 to 6 demerit points $255.67 $346.95 $193.37 -$62.30 29,000
7 to 9 demerit points $285.57 $442.35 $288.77 $3.20 8,000
10 to 14 demerit points $293.14 $538.03 $384.45 $91.31 4,000
15 or more demerit points $477.19 $1,001.89 $848.31 $371.12 1,000

4 Motorcycles – Vehicle Registration

Insurance Contributions for Motorcycle Owners

Category Contribution for 2021 Contribution for 2022 Difference Number of licence renewals
125 cc and under
(11 kW and under)
$226.37 $232.41 $6.04 3,000
126 cc to 400 cc
(over 11 kW to 35 kW)
$409.59 $364.81 -$44.78 16,000
Over 400 cc
(over 35 kW)
$587.18 $540.51 -$46.67 184,000
High-risk $1,808.03 $1,525.05 -$282.98 7,000
Three-wheeled $587.18 $188.96 -$398.22 20,000
Restricted-area use $100.02 $104.03 $4.01 3,000

5 Other Vehicles – Vehicle Registration

Vehicle category Classification Contribution for 2021 Contribution for 2022 Difference Number of renewals
Bus City bus (ATUQ members) $2,000.07 $1,781.21 -$218.86 4,000
School bus $169.06 $180.75 $11.69 12,000
Other 10,000 kg and under $200.93 $207.58 $6.65 4,000
Over 10,000 kg $1,150.76 $1,034.68 -$116.08 1,000
Truck Truck, other than a truck owned by the government or a government body 2 axles $104.71 $116.59 $11.88 66,000
3 or 4 axles $181.26 $185.16 $3.90 46,000
5 or more axles $378.02 $322.59 -$55.43 55,000
Truck owned by the government or a recognized government body; farm vehicle over 3,000 kg 2 axles $84.91 $77.71 -$7.20 3,000
3 or 4 axles $120.30 $105.04 -$15.26 4,000
5 or more axles $184.43 $167.91 -$16.52 2,000
Restricted-area use Other than a motorcycle $18.18 $28.25 $10.07 3,000
Moped/motorized scooter $237.69 $240.09 $2.40 34,000
Vehicle operated under a territorial licence Other than a passenger vehicle $66.24 $71.49 $5.25 2,000
Dealer plate $122.93 $124.33 $1.40 22,000
Vehicles providing remunerated passenger transportation N/A $148.19 N/A Undetermined
Farm tractor $8.57 $19.23 $10.66 168,000
Commercial vehicle (F plate) Other than a farm vehicle $77.17 $89.23 $12.06 577,000
Farm vehicle 3,000 kg and under $73.90 $76.37 $2.47 21,000

Last update: November  9, 2021