Rates and Fines
Insurance Contributions for 2024-2025
For 2025, 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 payment holiday from the insurance contribution applicable to the issuance or renewal of a driver’s licence. They will only 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 a driver’s licence is therefore $26.25 for 2025, which represents savings of nearly $100. In the case of holders of both a Class 5 and 6 licence, their savings amount to over $180.
The payment holiday only applies to licences issued for a period of 12 months or longer.
This payment holiday from the insurance contribution is possible due to a decrease in the number of claims for compensation by accident victims since 2020, and sound management of Québec’s public automobile insurance plan.
This is the fourth consecutive year during which driver’s licence holders will benefit from a payment holiday.
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 with no demerit points | |
|---|---|
| Contribution for 2024 | 93,16 $ |
| Contribution for 2024 (includinf payment holiday) | 0,00 $ |
| Contribution for 2025 | 84,55 $ |
| Contribution for 2025 (includinf payment holiday) | 0,00 $ |
| Difference | 0,00 $ |
| Number of licence holders | 5 019 000 |
| Licence with 1 to 3 demerit points | |
|---|---|
| Contribution for 2024 | 151,41 $ |
| Contribution for 2024 (includinf payment holiday) | 58,25 $ |
| Contribution for 2025 | 154,39 $ |
| Contribution for 2025 (includinf payment holiday) | 69,84 $ |
| Difference | 11,59 $ |
| Number of licence holders | 765 000 |
| Licence with 4 to 6 demerit points | |
|---|---|
| Contribution for 2024 | 217,50 $ |
| Contribution for 2024 (includinf payment holiday) | 124,34 $ |
| Contribution for 2025 | 224,82 $ |
| Contribution for 2025 (includinf payment holiday) | 140,27 $ |
| Difference | 15,93 $ |
| Number of licence holders | 181 000 |
| Licence with 7 to 9 demerit points | |
|---|---|
| Contribution for 2024 | 265,95 $ |
| Contribution for 2024 (includinf payment holiday) | 172,79 $ |
| Contribution for 2025 | 284,15 $ |
| Contribution for 2025 (includinf payment holiday) | 199,60 $ |
| Difference | 26,81 $ |
| Number of licence holders | 50 000 |
| Licence with 10 to 14 demerit points | |
|---|---|
| Contribution for 2024 | 339,06 $ |
| Contribution for 2024 (includinf payment holiday) | 245,90 $ |
| Contribution for 2025 | 370,15 $ |
| Contribution for 2025 (includinf payment holiday) | 285,60 $ |
| Difference | 39,70 $ |
| Number of licence holders | 22 000 |
| Licence with 15 or more demerit points | |
|---|---|
| Contribution for 2024 | 579,87 $ |
| Contribution for 2024 (includinf payment holiday) | 486,71 $ |
| Contribution for 2025 | 587,60 $ |
| Contribution for 2025 (includinf payment holiday) | 503,05 $ |
| Difference | 16,34 $ |
| Number of licence holders | 4 000 |
| Learner’s licence | |
|---|---|
| Contribution for 2024 | 29,57 $ |
| Contribution for 2024 (includinf payment holiday) | 29,57 $ |
| Contribution for 2025 | 32,43 $ |
| Contribution for 2025 (includinf payment holiday) | 32,43 $ |
| Difference | 2,86 $ |
| Number of licence holders | 261 000 |
| Restricted licence* | |
|---|---|
| Contribution for 2024 | 201,54 $ |
| Contribution for 2024 (includinf payment holiday) | 108,38 $ |
| Contribution for 2025 | 201,17 $ |
| Contribution for 2025 (includinf payment holiday) | 116,62 $ |
| Difference | 8,24 $ |
| Number of licence holders | 6 000 |
* Licence that only authorizes driving a vehicle equipped with an alcohol ignition interlock device.
Vehicle Registration
Insurance Contributions for Passenger Vehicle Owners
| Contribution for 2024 | Contribution for 2025 | Difference | Number of renewals | |
|---|---|---|---|---|
| $66.16 | $64.78 | ($1.38 | 5,233,000 |
Insurance Contributions for Motorcycle Driver’s Licence Holders
Driver’s licence
| Licence with no demerit points | |
|---|---|
| Contribution for 2024 | 77,94 $ |
| Contribution for 2024 (includinf payment holiday) | 0,00 $ |
| Contribution for 2025 | 81,21 $ |
| Contribution for 2025 (includinf payment holiday) | 0,00 $ |
| Difference | 0,00 $ |
| Number of licence holders | Moins de 500 |
| Licence with 1 to 3 demerit points | |
|---|---|
| Contribution for 2024 | 125,51 $ |
| Contribution for 2024 (includinf payment holiday) | 47,57 $ |
| Contribution for 2025 | 130,78 $ |
| Contribution for 2025 (includinf payment holiday) | 49,57 $ |
| Difference | 2,00 $ |
| Number of licence holders | Moins de 500 |
| Licence with 4 to 6 demerit points | |
|---|---|
| Contribution for 2024 | 169,02 $ |
| Contribution for 2024 (includinf payment holiday) | 91,08 $ |
| Contribution for 2025 | 176,12 $ |
| Contribution for 2025 (includinf payment holiday) | 94,91 $ |
| Difference | 3,83 $ |
| Number of licence holders | Moins de 500 |
| Licence with 7 to 9 demerit points | |
|---|---|
| Contribution for 2024 | 226,85 $ |
| Contribution for 2024 (includinf payment holiday) | 148,91 $ |
| Contribution for 2025 | 236,38 $ |
| Contribution for 2025 (includinf payment holiday) | 155,17 $ |
| Difference | 6,26 $ |
| Number of licence holders | Moins de 500 |
| Licence with 10 to 14 demerit points | |
|---|---|
| Contribution for 2024 | 260,33 $ |
| Contribution for 2024 (includinf payment holiday) | 182,39 $ |
| Contribution for 2025 | 271,26 $ |
| Contribution for 2025 (includinf payment holiday) | 190,05 $ |
| Difference | 7,66 $ |
| Number of licence holders | Moins de 500 |
| Licence with 15 or more demerit points | |
|---|---|
| Contribution for 2024 | 536,28 $ |
| Contribution for 2024 (includinf payment holiday) | 458,34 $ |
| Contribution for 2025 | 558,80 $ |
| Contribution for 2025 (includinf payment holiday) | 477,59 $ |
| Difference | 19,25 $ |
| Number of licence holders | Moins de 500 |
probationary licence
| Licence with no demerit points | |
|---|---|
| Contribution for 2024 | 217,90 $ |
| Contribution for 2024 (includinf payment holiday) | 217,90 $ |
| Contribution for 2025 | 250,58 $ |
| Contribution for 2025 (includinf payment holiday) | 250,58 $ |
| Difference | 32,68 $ |
| Number of licence holders | 26 000 |
| Licence with 1 to 3 demerit points | |
|---|---|
| Contribution for 2024 | 350,89 $ |
| Contribution for 2024 (includinf payment holiday) | 350,89 $ |
| Contribution for 2025 | 403,52 $ |
| Contribution for 2025 (includinf payment holiday) | 403,52 $ |
| Difference | 52,63 $ |
| Number of licence holders | 7 000 |
| Licence with 4 to 6 demerit points | |
|---|---|
| Contribution for 2024 | 472,54 $ |
| Contribution for 2024 (includinf payment holiday) | 472,54 $ |
| Contribution for 2025 | 543,42 $ |
| Contribution for 2025 (includinf payment holiday) | 543,42 $ |
| Difference | 70,88 $ |
| Number of licence holders | 1 000 |
| Licence with 7 to 9 demerit points | |
|---|---|
| Contribution for 2024 | 634,22 $ |
| Contribution for 2024 (includinf payment holiday) | 634,22 $ |
| Contribution for 2025 | 729,35 $ |
| Contribution for 2025 (includinf payment holiday) | 729,35 $ |
| Difference | 95,13 $ |
| Number of licence holders | Moins de 500 |
| Licence with 10 to 14 demerit points | |
|---|---|
| Contribution for 2024 | 727,81 $ |
| Contribution for 2024 (includinf payment holiday) | 727,81 $ |
| Contribution for 2025 | 836,98 $ |
| Contribution for 2025 (includinf payment holiday) | 836,98 $ |
| Difference | 109,17 $ |
| Number of licence holders | Moins de 500 |
| Licence with 15 or more demerit points | |
|---|---|
| Contribution for 2024 | 1 499,30 $ |
| Contribution for 2024 (includinf payment holiday) | 1 499,30 $ |
| Contribution for 2025 | 1 724,19 $ |
| Contribution for 2025 (includinf payment holiday) | 1 724,19 $ |
| Difference | 224,89 $ |
| Number of licence holders | Moins de 500 |
Les tarifs varieront selon le mois de délivrance du permis et les points d’inaptitude inscrits au dossier. Pour plus d’information, consultez la page sur la saisonnalité et le remboursement du permis d’apprenti conducteur moto.
Insurance Contributions for Holders of Both a Motorcycle and a Passenger Vehicle Driver's Licence
| Licence with no demerit points | |
|---|---|
| Contribution for 2024 | 171,10 $ |
| Contribution for 2024 (includinf payment holiday) | 0,00 $ |
| Contribution for 2025 | 165,76 $ |
| Contribution for 2025 (includinf payment holiday) | 0,00 $ |
| Difference | 0,00 $ |
| Number of licence holders | 448 000 |
| Licence with 1 to 3 demerit points | |
|---|---|
| Contribution for 2024 | 276,92 $ |
| Contribution for 2024 (includinf payment holiday) | 105,82 $ |
| Contribution for 2025 | 285,17 $ |
| Contribution for 2025 (includinf payment holiday) | 119,41 $ |
| Difference | 13,59 $ |
| Number of licence holders | 98 000 |
| Licence with 4 to 6 demerit points | |
|---|---|
| Contribution for 2024 | 386,52 $ |
| Contribution for 2024 (includinf payment holiday) | 215,42 $ |
| Contribution for 2025 | 400,94 $ |
| Contribution for 2025 (includinf payment holiday) | 235,18 $ |
| Difference | 19,76 $ |
| Number of licence holders | 25 000 |
| Licence with 7 to 9 demerit points | |
|---|---|
| Contribution for 2024 | 492,80 $ |
| Contribution for 2024 (includinf payment holiday) | 321,70 $ |
| Contribution for 2025 | 520,53 $ |
| Contribution for 2025 (includinf payment holiday) | 354,77 $ |
| Difference | 33,07 $ |
| Number of licence holders | 7 000 |
| Licence with 10 to 14 demerit points | |
|---|---|
| Contribution for 2024 | 599,39 $ |
| Contribution for 2024 (includinf payment holiday) | 428,29 $ |
| Contribution for 2025 | 641,41 $ |
| Contribution for 2025 (includinf payment holiday) | 475,65 $ |
| Difference | 47,36 $ |
| Number of licence holders | 3 000 |
| Licence with 15 or more demerit points | |
|---|---|
| Contribution for 2024 | 1 116,15 $ |
| Contribution for 2024 (includinf payment holiday) | 945,05 $ |
| Contribution for 2025 | 1 146,40 $ |
| Contribution for 2025 (includinf payment holiday) | 980,64 $ |
| Difference | 35,59 $ |
| Number of licence holders | Moins de 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 since that date).
| Category | Contribution for 2024 | Contribution for 2025 | Difference | Number of licence renewals |
|---|---|---|---|---|
125 cc and under Under 3 years of riding experience | $258.92 | $306.96 | $48.04 | 1,000 |
| 125 cc and under (11 kW and under) 3 years to under 5 years of riding experience | $258.92 | $257.27 | ($6.65) | Fewer than 500 |
125 cc and under 5 or more years of riding experience | $258.92 | $221.06 | ($37.86) | 2,000 |
| 125 cc and under (11 kW and under) Legal person | $258.92 | $221.06 | ($37.86) | Fewer than 500 |
126 cc to 400 cc Under 3 years of riding experience | $406.42 | $541.57 | $135.15 | 6,000 |
126 cc to 400 cc 3 years to under 5 years of riding experience | $406.42 | $435.38 | $28.96 | 1,000 |
| 126 cc to 400 cc (over 11 kW to 35 kW) 5 or more years of riding experience | $406.42 | $374.68 | ($31.74) | 13,000 |
| 126 cc to 400 cc (over 11 kW to 35 kW) Legal person | $406.42 | $374.68 | ($31.74) | Fewer than 500 |
Over 400 cc Under 3 years of riding experience | $602.16 | $792.81 | $190.65 | 36,000 |
Over 400 cc 3 years to under 5 years of riding experience | $602.16 | $637.54 | $35.38 | 14,000 |
| Over 400 cc (over 35 kW) 5 or more years of riding experience | $602.16 | $548.82 | ($53.34) | 145,000 |
| Over 400 cc (over 35 kW) Legal person | $602.16 | $548.82 | ($53.34) | 2,000 |
High-risk Under 3 years of riding experience | $1,698.98 | $2,328.15 | $629.17 | 1,000 |
High-risk 3 to under 5 years of riding experience | $1,698.98 | $1,857.05 | $158.07 | Fewer than 500 |
High-risk 5 or more years of riding experience | $1,698.98 | $1,587.66 | ($111.32) | 2,000 |
| High-risk Legal person | $1,698.98 | $1,587.66 | ($111.32) | Fewer than 500 |
| 3-wheeled | $210.51 | $224.85 | $14.34 | 40,000 |
| Restricted-area use | $115.89 | $106.70 | ($9.19) | 3,000 |
In the case of a co-owned motorcycle where no registrant has been designated, the insurance contribution rate is that for motorcyclists with less than 3 years of riding experience.
| City bus (ATUQ members) | |
|---|---|
| Contribution for 2024 | 1 984,36$ |
| Contribution for 2025 | 1811,37 $ |
| Difference | (172,99 $) |
| Number of renewals | 5 000 |
| School bus | |
|---|---|
| Contribution for 2024 | 201,36 $ |
| Contribution for 2025 | 161,10 $ |
| Difference | (40,26 $) |
| Number of renewals | 26 000 |
| Other of 10,000 kg and under | |
|---|---|
| Contribution for 2024 | 231,25 $ |
| Contribution for 2025 | 232,66 $ |
| Difference | 1,41 $ |
| Number of renewals | 4 000 |
| Other Over 10,000 kg | |
|---|---|
| Contribution for 2024 | 1 152,69 $ |
| Contribution for 2025 | 1 170,13 $ |
| Difference | 17,44 $ |
| Number of renewals | 1 000 |
Truck, other than a truck owned by the government or a government body
| 2 axles | |
|---|---|
| Contribution for 2024 | 129,89 $ |
| Contribution for 2025 | 119,06 $ |
| Difference | (10,83 $) |
| Number of renewals | 73 000 |
| 3 or 4 axles | |
|---|---|
| Contribution for 2024 | 206,28 $ |
| Contribution for 2025 | 227,89 $ |
| Difference | 21,61 $ |
| Number of renewals | 61 000 |
| 5 or more axles | |
|---|---|
| Contribution for 2024 | 359,38 $ |
| Contribution for 2025 | 383,19 $ |
| Difference | 23,81 $ |
| Number of renewals | 58 000 |
Truck owned by the government or a recognized government body; farm vehicle over 3,000 kg
| 2 axles | |
|---|---|
| Contribution for 2024 | 86,57 $ |
| Contribution for 2025 | 80,18 $ |
| Difference | (6,39 $) |
| Number of renewals | 2 000 |
| 3 or 4 axles | |
|---|---|
| Contribution for 2024 | 117,02 $ |
| Contribution for 2025 | 117,38 $ |
| Difference | 0,36 $ |
| Number of renewals | 4 000 |
| 5 or more axles | |
|---|---|
| Contribution for 2024 | 187,06 $ |
| Contribution for 2025 | 189,23 $ |
| Difference | 2,17 $ |
| Number of renewals | 3 000 |
| Farm vehicle 1,000 kg and under | |
|---|---|
| Contribution for 2024 | 85,08 $ |
| Contribution for 2025 | 82,49 $ |
| Difference | (2,59 $) |
| Number of renewals | 17 000 |
| Motor home | |
|---|---|
| Contribution for 2024 | 99,41 $ |
| Contribution for 2025 | 58,24 $ |
| Difference | (41,17 $) |
| Number of renewals | 26 000 |
| Emergency vehicle | |
|---|---|
| Contribution for 2024 | 99,41 $ |
| Contribution for 2025 | 121,23 $ |
| Difference | 21,82 $ |
| Number of renewals | 13 000 |
| Commercial passenger vehicle | |
|---|---|
| Contribution for 2024 | 99,41 $ |
| Contribution for 2025 | 101,60 $ |
| Difference | 2,19 $ |
| Number of renewals | 512 000 |
| Other | |
|---|---|
| Contribution for 2024 | 99,41 $ |
| Contribution for 2025 | 50,23 $ |
| Difference | (49,18 $) |
| Number of renewals | 58 000 |
| Restricted-area use - other than a motorcycle | |
|---|---|
| Contribution for 2024 | 31,47 $ |
| Contribution for 2025 | 34,18 $ |
| Difference | 2,71 $ |
| Number of renewals | 3 000 |
| Moped/motorized scooter | |
|---|---|
| Contribution for 2024 | 267,47 $ |
| Contribution for 2025 | 290,91 $ |
| Difference | 23,44 $ |
| Number of renewals | 46 000 |
| Vehicle operated under a territorial licence - other than a passenger vehicle | |
|---|---|
| Contribution for 2024 | 79,64 $ |
| Contribution for 2025 | 76,80 $ |
| Difference | (2,84 $) |
| Number of renewals | 2 000 |
| Dealer plate | |
|---|---|
| Contribution for 2024 | 138,51 $ |
| Contribution for 2025 | 135,81 $ |
| Difference | (2,70 $) |
| Number of renewals | 23 000 |
| Vehicles providing remunerated passenger transportation | |
|---|---|
| Contribution for 2024 | 165,09 $ |
| Contribution for 2025 | 241,17 $ |
| Difference | 76,08 $ |
| Number of renewals | 16 000 |
| Farm tractor | |
|---|---|
| Contribution for 2024 | 21,42 $ |
| Contribution for 2025 | 25,23 $ |
| Difference | 3,81 $ |
| Number of renewals | 182 000 |
Last update: June 13, 2025