[b112]

In Quebec, the license plate cost ($230 per year) also covers all injury. This means that the private part of insurance, only covers damages to things, which is rarely millions.

This blend of private/public insurance results in super cheap rates, while keeping injury insurance in place.

Both BC (full public) and Ontario(full private) have higher rates for the same coverage. 2x as much per year.

[andy99]

I've heard that before but did not notice a material difference in my insurance moving between Ontario/Quebec. Is it mainly for new drivers or those otherwise more expensive to insure?

I do know that I pay almost $400/year* between my license and registration in Quebec which would be ~$0 in Ontario. As well as a lot more for gas.

* I have a "luxury" car because it cost > $50k CAD (about $38k USD) and therefore is so-defined by the province (a Volkswagen). And Montreal imposes extra fees.

[b112]

Interesting, re:Ontario. They dropped the fees during the pandemic. I am not sure it will be a forever thing.

But the insurance fees were 1/2 the price when I moved here. I don't know if that has changed a lot?