See the real cost of your Quebec traffic ticket.
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Quebec has a unique split insurance system — SAAQ handles injury coverage (public) while private insurers cover property damage. The average Quebec driver pays about $1,100/year. A speeding conviction affects both your private insurance premium and can trigger SAAQ demerit surcharges.
Quebec speeding fines are calculated using a base fee plus a rate per 5 km/h increment, with additional PAVAC ($10) and admin ($30) fees. Demerit points range from 1 (1-20 km/h over) to 10 (61+ km/h over).
Use the calculator above to see your ticket's true cost — including the insurance impact that lasts three years.