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Quebec Traffic Ticket Cost Calculator

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 ordinary speeding fines are calculated using a base fee plus a rate per 5 km/h increment, with a CAVAC contribution and fees added. Demerit points start at 0 for 1-10 km/h over, then rise by bracket, while grand exces de vitesse penalties depend on the posted-speed zone and can increase sharply.

Use the calculator above to see your ticket's true cost — including the insurance impact that lasts three years.