Rates and Fines

Insurance Contributions for 2019-2021

The proposed insurance contributions for 2020 are presented below. Unless indicated otherwise, contributions for 2021 are indexed 2020 contributions.

1 Passenger Vehicles

Driver’s Licence (Class 5)

Insurance Contributions for Passenger Vehicle Driver’s Licence Holders

Licence Contribution for 2019 Contribution for 2020 Difference Number of licence holders
Driver’s licence and
probationary licence
       
With no demerit points $56.87 $58.01 $1.14 4,346,800
1 to 3 demerit points $96.96 $98.90 $1.94 893,100
4 to 6 demerit points $144.59 $147.48 $2.89 241,700
7 to 9 demerit points $173.58 $177.05 $3.47 69,100
10 to 14 demerit points $180.92 $184.54 $3.62 29,300
15 or more demerit points $359.40 $366.59 $7.19 4,900
Learner’s licence $25.20 $25.70 $0.50 252,400
Restricted licence* $142.46 $145.31 $2.85 7,200

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

Vehicle Registration

Insurance Contributions for Passenger Vehicle Owners

Contribution for 2019 Contribution for 2020 Difference Number of renewals
$65.54 $66.85 $1.31 5,074,400

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

Insurance Contributions for Motorcycle Driver’s Licence Holders

Licence Contribution for 2019 Contribution for 2020 Difference Number of licence holders
Driver’s licence and  
probationary licence
       
With no demerit points $63.33 $64.60 $1.27 Fewer than 500
1 to 3 demerit points $103.34 $105.41 $2.07
4 to 6 demerit points $139.94 $142.74 $2.80
7 to 9 demerit points $188.57 $192.34 $3.77
10 to 14 demerit points $216.74 $221.07 $4.33
15 or more demerit points $448.80 $457.78 $8.98
Learner’s licence $21.24 $21.66 $0.42 34,600

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 2019 Contribution for 2020 Difference Number of licence holders
Driver’s licence and  
probationary licence
       
With no demerit points $120.20 $122.61 $2.41 352,200
1 to 3 demerit points $200.30 $204.31 $4.01 106,900
4 to 6 demerit points $247.93 $252.89 $4.96 33,800
7 to 9 demerit points $276.92 $282.46 $5.54 10,500
10 to 14 demerit points $284.26 $289.95 $5.69 4,600
15 or more demerit points $462.74 $472.00 $9.26 700

4 Motorcycles – Vehicle Registration

Insurance Contributions for Motorcycle Owners

Category Contribution for 2019 Contribution for 2020 Difference Number of licence renewals
125 cc and under
(11 kW and under)
$208.55 $223.91 $15.36 3,300
126 cc to 400 cc
(over 11 kW to 35 kW)
$393.13 $405.13 $12.00 15,300
Over 400 cc
(over 35 kW)
$560.19 $580.79 $20.60 203,300
High-risk $1,362.49 $1,566.86* $204.37 9,600
Restricted-area use $90.46 $98.93 $8.47 3,100

* For high-risk motorcycles, the SAAQ applied the 15% increase limit. Therefore, an amount of $1,567 will be collected in 2020, and an indexed contribution of $1,788 will be collected in 2021.

5 Other Vehicles – Vehicle Registration

Vehicle
category
Classification Contribution for 2019 Contribution for 2020 Difference Number of
renewals
Bus City bus
(ATUQ members)
  $1,924.29 $1,978.31 $54.02 4,000
School bus   $163.94 $167.22 $3.28 10,700
Other 10,000 kg
and under
$182.40 $198.74 $16.34 3,700
Over 10,000 kg $1,115.92 $1,138.24 $22.32 1,300
Truck Truck, other than a truck owned by the
government or a
government body
2 axles $101.54 $103.57 $2.03 57,900
3 or 4 axles $175.77 $179.29 $3.52 37,900
5 or more axles $332.25 $373.91 $41.66 47,500
Truck owned by the government
or a recognized
government body; farm vehicle
over 3,000 kg
2 axles $82.34 $83.99 $1.65 2,500
3 or 4 axles $116.66 $118.99 $2.33 3,000
5 or more axles $178.84 $182.42 $3.58  2,000
Restricted-area
use
Other than a
motorcycle
  $17.63 $17.98 $0.35 3,100
Moped/motorized
scooter
    $230.49 $235.10 $4.61 30,600
Vehicle operated
under a
territorial
licence
Other than a
passenger vehicle
  $64.24 $65.52 $1.28 1,400
Dealer plate     $119.21 $121.59 $2.38 19,200
Taxi     $803.54 $819.61 $16.07 8,600
Farm tractor     $7.01 $8.06* $1.05 150,400
Commercial
vehicle (F plate)
Other than a farm
vehicle
  $74.83 $76.33 $1.50 518,000
Farm vehicle
3,000 kg and
under
  $71.67 $73.10 $1.43 21,100

* For farm tractors, the SAAQ applied the 15% increase limit. Therefore, an amount of $8.06 will be collected in 2020, and an indexed contribution of $8.48 will be collected in 2021.