Rates and Fines

Insurance Contributions for 2016-2018

The proposed insurance contributions for 2016 are presented below. Unless indicated otherwise, contributions for 2017 and 2018 are indexed 2016 contributions.

1 Passenger Vehicles

Driver’s Licence (Class 5)

Insurance Contributions for Passenger Vehicle Driver’s Licence Holders

Licence Contribution for 2015 Contribution for 2016 Difference Number of licence holders
Regular or
probationary licence
       
With no demerit points $64 $55 -$9 4,192,100
1 to 3 demerit points $101 $90 -$11 927,800
4 to 6 demerit points $134 $124 -$10 255,300
7 to 9 demerit points $179 $151 -$28 78,100
10 to 14 demerit points $205 $169 -$36 39,100
15 or more demerit points $422 $324 -$98 8,500
Learner’s licence $23 $18 -$5 261,300
Restricted licence* $120 $112 -$8 7,700

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

Vehicle Registration

Insurance Contributions for Passenger Vehicle Owners

Contribution for 2015 Contribution for 2016 Difference Number of renewals
$120 $64 -$56 4,818,700

A total savings of $65.

2 Motorcycles Driver’s Licence (Class 6 only)

Insurance Contributions for Motorcycle Driver’s Licence Holders

Licence Contribution for 2015 Contribution for 2016 Difference Number of licence holders
Regular or
probationary licence
       
With no demerit points $64 $62 -$2 Fewer than 500
1 to 3 demerit points $101 $99 -$2
4 to 6 demerit points $134 $133 -$1
7 to 9 demerit points $179 $179 $0
10 to 14 demerit points $205 $206 $0
15 or more demerit points $422 $423 +$1
Learner’s licence $23 $20 -$3 38,700

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 2015 Contribution for 2016 Difference Number of licence holders
Regular or
probationary licence
       
With no demerit points $128 $117 -$11 324,600
1 to 3 demerit points $202 $189 -$13 104,900
4 to 6 demerit points $235 $223 -$12 34,600
7 to 9 demerit points $280 $250 -$30 11,300
10 to 14 demerit points $306 $268 -$38 5,700
15 or more demerit points $523 $423 -$100 1,100

4 Motorcycles Vehicle Registration

Insurance Contributions for Motorcycle Owners

Licence Contribution for 2015 Contribution for 2016 Difference Number of licence holders
125 cc and under
(11 kW and under)
$185 $179 -$6 2,700
126 cc to 400 cc
(over 11 kW to 35 kW)
$286 $329* +$43 12,400
Over 400 cc
(over 35 kW)
$480 $476 -$4 166,300
High-risk $1,006 $1,154 +$148 9,600
Restricted-area use $184 $79 -$105 3,400

* For motorcycles with a cylinder capacity of 126 cc to 400 cc, the SAAQ applied the 15% increase limit. Therefore, a contribution of $329 will be collected in 2016 and an indexed contribution of $335 will be collected in 2017.

5 Other Vehicles – Vehicle Registration

Vehicle
category
Classification Contribution for 2015 Contribution for 2016 Difference Number of
renewals
Bus City bus
(ATUQ members)
  $1589 $1637 +$48 4,000
School bus   $174 $152 -$22 10,900
Other 10,000 kg
and under
$263 $165 -$98 3,700
Over 10,000 kg $663 $763* +$100 1,300
Truck Truck, other than a truck owned by the
government or a
government body
2 axles $142 $103 -$39 57,700
3 or 4 axles $236 $167 -$69 36,100
5 or more axles $376 $291 -$85 43,900
Truck owned by the government
or a recognized
government body; farm vehicle
over 3,000 kg
2 axles $118 $85 -$33 2,500
3 or 4 axles $151 $109 -$42 2,600
5 or more axles $208 $171 -$37 1,800
Restricted-area
use
Other than a
motorcycle
  $48 $30 -$18 3,200
Moped/motorized
scooter
    $260 $247 -$13 35,300
Vehicle operated
under a
territorial
licence
Other than a
passenger vehicle
  $117 $75 -$42 1,100
Dealer plate     $157 $125 -$32 16,500
Taxi     $645 $718 +$73 9,100
Farm tractor     $26 $17 -$9 144,300
Commercial
vehicle (F plate)
Other than a farm
vehicle
  $140 $85 -$55 518,500
Farm vehicle
3,000 kg and
under
  $130 $86 -$44 23,330

* For other buses weighing more than 10,000 kg, the SAAQ applied the 15% increase limit. Therefore, a contribution of $763 will be collected in 2016, $877 in 2017 and $1,009 in 2018.