Rates and Fines
Insurance Contributions for 2025-2026
For 2026, holders of a Class 5 (passenger vehicle) or 6 (motorcycle) driver’s licence—regular driver’s licence, probationary licence or restricted licence—will receive a 75 % rebate on the insurance contribution applicable to the issuance or renewal of a driver’s licence. They will also have to pay licence fees, administrative fees and the insurance contribution applicable to any accumulated demerit points.
For individuals who have no demerit points on their driving record, the total cost to renew their driver’s licence in 2026 is therefore $50.23, which represents savings of over $70. In the case of holders of both a Class 5 and 6 licence, their savings amount to over $135.
The rebate only applies to licences issued for a period of 12 months or longer.
This rebate is possible due to a decrease in the number of claims for compensation by accident victims since 2020, and the superior performance of Québec’s automobile insurance fund.
A complete payment holiday from the insurance contribution was granted in 2022, 2023, 2024 and 2025.
To estimate the amount you will have to pay to renew your driver’s licence or register your motorcycle, you can use the following calculation tools:
Driver’s Licence (Class 5)
Insurance Contributions for Passenger Vehicle Driver’s Licence Holders
| Licence holders with no demerit points | |
|---|---|
| Contribution for 2025 | $84.55 |
| Contribution for 2025 (includinf payment holiday) | $0 |
| Contribution for 2026 | $86.16 |
| Contribution for 2026 (includinf rebate) | $21.54 |
| Difference | $21.54 |
| Number of licence holders | 5,129,000 |
| Licence holders with 1 to 3 demerit points | |
|---|---|
| Contribution for 2025 | $154.39 |
| Contribution for 2025 (including payment holiday) | $69.84 |
| Contribution for 2026 | $157.32 |
| Contribution for 2026 (including rebate) | $92.70 |
| Difference | $22.86 |
| Number of licence holders | 697,000 |
| Licence holders with 4 to 6 demerit points | |
|---|---|
| Contribution for 2025 | $224.82 |
| Contribution for 2025 (including payment holiday) | $140.27 |
| Contribution for 2026 | $229.09 |
| Contribution for 2026 (including rebate) | $164.47 |
| Difference | $24.20 |
| Number of licence holders | 157,000 |
| Licence holders with 7 to 9 demerit points | |
|---|---|
| Contribution for 2024 | $284.15 |
| Contribution for 2024 (including payment holiday) | $199.60 |
| Contribution for 2025 | $289.55 |
| Contribution for 2025 (including rebate) | $224.93 |
| Difference | $25.33 |
| Number of licence holders | 40,000 |
| Licence holders with 10 to 14 demerit points | |
|---|---|
| Contribution for 2024 | $370.15 |
| Contribution for 2024 (including payment holiday) | $285.60 |
| Contribution for 2025 | $377.18 |
| Contribution for 2025 (including rebate) | $312.56 |
| Difference | $29.96 |
| Number of licence holders | 18,000 |
| Licence holders with 15 or more demerit points | |
|---|---|
| Contribution for 2025 | $587.60 |
| Contribution for 2025 (including payment holiday) | $503.05 |
| Contribution for 2026 | $598.76 |
| Contribution for 2026 (including rebate) | $534.14 |
| Difference | $31.09 |
| Number of licence holders | 3,000 |
| Learner’s licence holders | |
|---|---|
| Contribution for 2025 | $32.43 |
| Contribution for 2025 (including payment holiday) | $32.43 |
| Contribution for 2026 | $33.05 |
| Contribution for 2026 (including rebate) | $33.05 |
| Difference | $0.62 |
| Number of licence holders | 295,000 |
| Restricted licence* | |
|---|---|
| Contribution for 2025 | $201,17 $ |
| Contribution for 2025 (includinf payment holiday) | $0 |
| Contribution for 2026 | $204.99 |
| Contribution for 2026 (including rebate) | $51.25 |
| Difference | $51.25 |
| Number of licence holders | 7,000 |
* Licence that only authorizes driving a vehicle equipped with an alcohol ignition interlock device.
Vehicle Registration
Insurance Contributions for Passenger Vehicle Owners
| Contribution for 2025 | Contribution for 2026 | Difference | Number of renewals | |
|---|---|---|---|---|
| $64.78 | $66.01 | $0.23 | 5,324,000 |
Insurance Contributions for Motorcycle Driver’s Licence Holders
Driver’s licence and probationaly licence
| Licence holders with no demerit points | |
|---|---|
| Contribution for 2025 | $81.21 |
| Contribution for 2025 (including payment holiday) | $0 |
| Contribution for 2026 | $82.75 |
| Contribution for 2026 (including rebate) | $20.69 |
| Difference | $20.69 |
| Number of licence holders | Fewer than 500 |
| Licence holders with 1 to 3 demerit points | |
|---|---|
| Contribution for 2025 | 130,78 $ |
| Contribution for 2025 (including payment holiday) | $49.57 |
| Contribution for 2026 | $133.26 |
| Contribution for 2026 (including rebate) | $71.20 |
| Difference | $21.63 |
| Number of licence holders | Fewer than 500 |
| Licence holders with 4 to 6 demerit points | |
|---|---|
| Contribution for 2025 | $176.12 |
| Contribution for 2025 (including payment holiday) | $94.91 |
| Contribution for 2026 | $179.47 |
| Contribution for 202g (including rebate) | $117.41 |
| Difference | $22.50 |
| Number of licence holders | Fewer than 500 |
| Licence holders with 7 to 9 demerit points | |
|---|---|
| Contribution for 2025 | $236.38 |
| Contribution for 2025 (including payment holiday) | $155.17 |
| Contribution for 2026 | $240.87 |
| Contribution for 2026 (including rebate) | $178.81 |
| Difference | $23.64 |
| Number of licence holders | Fewer than 500 |
| Licence holders with 10 to 14 demerit points | |
|---|---|
| Contribution for 2025 | $271.26 |
| Contribution for 2025 (including payment holiday) | $190.05 |
| Contribution for 2026 | $276.41 |
| Contribution for 2026 (including rebate) | $214.35 |
| Difference | $24.30 |
| Number of licence holders | Fewer than 500 |
| Licence holders with 15 or more demerit points | |
|---|---|
| Contribution for 2025 | $558.80 |
| Contribution for 2025 (including payment holiday) | $477.59 |
| Contribution for 2026 | $569.42 |
| Contribution for 2026 (including rebate) | $507.36 |
| Difference | $29.77 |
| Number of licence holders | Fewer than 500 |
Learner's licence
| Licence holders with no demerit points | |
|---|---|
| Contribution for 2025 | $250.58 |
| Contribution for 2025 (includinf payment holiday) | $250.58 |
| Contribution for 2026 | $288.16 |
| Contribution for 2026 (includinf payment holiday) | $288.16 |
| Difference | $37.58 |
| Number of licence holders | 22,000 |
| Licenceholders with 1 to 3 demerit points | |
|---|---|
| Contribution for 2025 | $403.52 |
| Contribution for 2025 (including payment holiday) | $403.52 |
| Contribution for 2026 | $464.04 |
| Contribution for 2026 (including rebate) | $464.04 |
| Difference | $60.52 |
| Number of licence holders | 5,000 |
| Licence holders with 4 to 6 demerit points | |
|---|---|
| Contribution for 2025 | $543.42 |
| Contribution for 2025 (including payment holiday) | $543.42 |
| Contribution for 2026 | $624.93 |
| Contribution for 2026 (including rebate) | $624.93 |
| Difference | $81.51 |
| Number of licence holders | 1,000 |
| Licence holders with 7 to 9 demerit points | |
|---|---|
| Contribution for 2025 | $729.35 |
| Contribution for 2025 (including payment holiday) | $729.35 |
| Contribution for 2026 | $838.75 |
| Contribution for 2026 (including rebate) | $838.75 |
| Difference | $109.40 |
| Number of licence holders | Fewer than 500 |
| Licence holders with 10 to 14 demerit points | |
|---|---|
| Contribution for 2025 | $836.98 |
| Contribution for 2025 (including payment holiday) | $836.98 |
| Contribution for 2026 | $962.52 |
| Contribution for 2026 (including rebate) | $962.52 |
| Difference | $125.54 |
| Number of licence holders | Fewer than 500 |
| Licence holders with 15 or more demerit points | |
|---|---|
| Contribution for 2025 | $1,724.19 |
| Contribution for 2025 (including payment holiday) | $1,724.19 |
| Contribution for 2026 | $1,982.81 |
| Contribution for 2026 (including rebate) | $1,982.81 |
| Difference | $258.62 |
| Number of licence holders | Fewer than 500 |
Fees vary based on the month the driver’s licence is issued and the number of demerit points on your driving record. For more information, visit the Seasonality and Reimbursement of the Motorcycle Learner's Licence web page.
Insurance Contributions for Holders of Both a Motorcycle and a Passenger Vehicle Driver's Licence
| Licence holders with no demerit points | |
|---|---|
| Contribution for 2025 | $165.76 |
| Contribution for 2025 (including payment holiday) | $0 |
| Contribution for 2026 | $168.91 |
| Contribution for 2026 (including rebate) | $42.23 |
| Difference | $42.23 |
| Number of licence holders | 458,000 |
| Licence holders with 1 to 3 demerit points | |
|---|---|
| Contribution for 2025 | $285.17 |
| Contribution for 2025 (including payment holiday) | $119.41 |
| Contribution for 2026 | $290.58 |
| Contribution for 2026 (including rebate) | $163.90 |
| Difference | $44.49 |
| Number of licence holders | 84,000 |
| Licence holders with 4 to 6 demerit points | |
|---|---|
| Contribution for 2025 | $400.94 |
| Contribution for 2025 (including payment holiday) | $235.18 |
| Contribution for 2026 | $408.56 |
| Contribution for 2026 (including rebate) | $281.88 |
| Difference | $46.70 |
| Number of licence holders | 19,000 |
| Licence holders with 7 to 9 demerit points | |
|---|---|
| Contribution for 2025 | $520.53 |
| Contribution for 2025 (including payment holiday) | $354.77 |
| Contribution for 2026 | $530.42 |
| Contribution for 2026 (including rebate) | $403.74 |
| Difference | $48.97 |
| Number of licence holders | 5,000 |
| Licence holders with 10 to 14 demerit points | |
|---|---|
| Contribution for 2025 | $641.41 |
| Contribution for 2025 (including payment holiday) | $475.65 |
| Contribution for 2026 | $653.59 |
| Contribution for 2026 (including payment holiday) | $526.91 |
| Difference | $51.26 |
| Number of licence holders | 2,000 |
| Licence holders with 15 or more demerit points | |
|---|---|
| Contribution for 2025 | $1,146.40 |
| Contribution for 2025 (including payment holiday) | $980.64 |
| Contribution for 2026 | $1,168.18 |
| Contribution for 2026 (including rebate) | $1,041.50 |
| Difference | $60.86 |
| Number of licence holders | Fewer than 500 |
The reduced insurance contribution for three-wheeled motorcycles has applied since January 1, 2023 to vehicles that have been converted into three-wheeled motorcycles and to hand-crafted three-wheeled motorcycles (these vehicles qualify as three-wheeled motorcycles as of that date).
| Category | Contribution for 2025 | Contribution for 2026 | Difference | Number of renewals |
|---|---|---|---|---|
125 cc and under Under 3 years of riding experience | $306.96 | $361.13 | $54.17 | 2,000 |
| 125 cc and under (11 kW and under) 3 years to under 5 years of riding experience | $252.27 | $249.63 | $2.64 | Fewer than 500 |
125 cc and under 5 or more years of riding experience | $221.06 | $185.77 | $35.29 | 3,000 |
| 125 cc and under (11 kW and under) Legal person | $221.06 | $185.77 | $35.29 | Fewer than 500 |
126 cc to 400 cc Under 3 years of riding experience | $541.57 | $688.98 | $147.41 | 5,000 |
126 cc to 400 cc 3 years to under 5 years of riding experience | $435.38 | $472.56 | $37.18 | 2,000 |
| 126 cc to 400 cc (over 11 kW to 35 kW) 5 or more years of riding experience | $374.68 | $348.60 | $26.08 | 12,000 |
| 126 cc to 400 cc (over 11 kW to 35 kW) Legal person | $374.68 | $348.60 | $26.08 | Fewer than 500 |
Over 400 cc Under 3 years of riding experience | $792.81 | $1,001.54 | $208.73 | 30,000 |
Over 400 cc 3 years to under 5 years of riding experience | $637.54 | $685.10 | $47.56 | 16,000 |
| Over 400 cc (over 35 kW) 5 or more years of riding experience | $548.82 | $503.85 | $44.97 | 144,000 |
| Over 400 cc (over 35 kW) Legal person | $548.82 | $503.85 | $44.97 | 2,000 |
High-risk Under 3 years of riding experience | $2,328.15 | $3,012.91 | $684.76 | 1,000 |
High-risk 3 to under 5 years of riding experience | $1,857.05 | $2,052.80 | $195.75 | Fewer than 500 |
High-risk 5 or more years of riding experience | $1,587.66 | $1,502.87 | $84.86 | 2,000 |
| High-risk Legal person | $1,587.66 | $1,502.87 | $84.86 | Fewer than 500 |
| Three-wheeled | $224.85 | $229.12 | $4.27 | 44,000 |
| Restricted-area use | $106.70 | $108.73 | $2.03 | 3,000 |
In the case of a co-owned motorcycle where no registrant has been designated, the insurance contribution rate is that for motorcyclists with less than three years of riding experience.
| City buses (ATUQ members) | |
|---|---|
| Contribution for 2025 | $1,811.37 |
| Contribution for 2026 | $1,845.79 |
| Difference | $34.42 |
| Number of renewals | 4,000 |
| School bus | |
|---|---|
| Contribution for 2025 | $161.10 |
| Contribution for 2026 | $164.16 |
| Difference | $3.06 |
| Number of renewals | 12,000 |
| Other vehicles 10,000 kg and under | |
|---|---|
| Contribution for 2025 | $232.66 |
| Contribution for 2026 | $237.08 |
| Difference | $4.42 |
| Number of renewals | 4,000 |
| Other vehicles over 10,000 kg | |
|---|---|
| Contribution for 2025 | $1,170.13 |
| Contribution for 2026 | $1192.36 |
| Difference | $22.23 |
| Number of renewals | 1,000 |
Truck, other than those owned by the government or a government body
| 2 axles | |
|---|---|
| Contribution for 2025 | $119.06 |
| Contribution for 2026 | $121.32 |
| Difference | $2.36 |
| Number of renewals | 74,000 |
| 3 or 4 axles | |
|---|---|
| Contribution for 2025 | $227.89 |
| Contribution for 2026 | $232.22 |
| Difference | $4.33 |
| Number of renewals | 60,000 |
| 5 or more axles | |
|---|---|
| Contribution for 2025 | $383.19 |
| Contribution for 2026 | $390.47 |
| Difference | $7.28 |
| Number of renewals | 57,000 |
Trucks owned by the government or a recognized government body; farm vehicles over 3,000 kg
| 2 axles | |
|---|---|
| Contribution for 2025 | $80.18 |
| Contribution for 2026 | $81.70 |
| Difference | $1.52 |
| Number of renewals | 3,000 |
| 3 or 4 axles | |
|---|---|
| Contribution for 2025 | $117.38 |
| Contribution for 2026 | $119.61 |
| Difference | $2.23 |
| Number of renewals | 4,000 |
| 5 or more axles | |
|---|---|
| Contribution for 2025 | $189.23 |
| Contribution for 2026 | 192.83 |
| Difference | $3.60 |
| Number of renewals | 3,000 |
| Farm vehicles 1,000 kg and under | |
|---|---|
| Contribution for 2025 | $82.49 |
| Contribution for 2026 | $84.06 |
| Difference | $1.57 |
| Number of renewals | 17,000 |
| Motor homes | |
|---|---|
| Contribution for 2025 | $58.24 |
| Contribution for 2026 | $59.35 |
| Difference | $1.11 |
| Number of renewals | 29,000 |
| Emergency vehicles | |
|---|---|
| Contribution for 2025 | $121.23 |
| Contribution for 2026 | $145.16 |
| Difference | $23.93 |
| Number of renewals | 13,000 |
| Commercial passenger vehicles | |
|---|---|
| Contribution for 2024 | $101.60 |
| Contribution for 2025 | $103.53 |
| Difference | $1.93 |
| Number of renewals | 529,000 |
| Other | |
|---|---|
| Contribution for 2025 | $50.23 |
| Contribution for 2026 | $51.18 |
| Difference | $0.95 |
| Number of renewals | 67,000 |
| Restricted-area use - other than motorcycles | |
|---|---|
| Contribution for 2025 | $34.18 |
| Contribution for 2026 | $34.83 |
| Difference | $0.65 |
| Number of renewals | 3,000 |
| Mopeds/scooters | |
|---|---|
| Contribution for 2025 | $290.91 |
| Contribution for 2026 | 296.44 |
| Difference | $5.53 |
| Number of renewals | 43,000 |
| Vehicles operated under a territorial licence - other than passenger vehicles | |
|---|---|
| Contribution for 2025 | $76.80 |
| Contribution for 2026 | $78.26 |
| Difference | $1.46 |
| Number of renewals | 2,000 |
| Dealer plates | |
|---|---|
| Contribution for 2025 | $135.81 |
| Contribution for 2026 | $138.39 |
| Difference | $2.58 |
| Number of renewals | 3,000 |
| Vehicles used for remunerated passenger transportation | |
|---|---|
| Contribution for 2025 | $241.17 |
| Contribution for 2026 | $312.30 |
| Difference | $71.13 |
| Number of renewals | 25,000 |
| Farm tractors | |
|---|---|
| Contribution for 2025 | $25.23 |
| Contribution for 2026 | $25.71 |
| Difference | $0.48 |
| Number of renewals | 179,000 |
Last update: December 16, 2025