Quebec consistently maintains the cheapest average auto insurance rates in Canada, with typical annual premiums hovering around 900 to 1,100 dollars. This affordability is largely driven by Quebec's unique hybrid public-private insurance model, where the public automobile insurance board handles bodily injury compensation through a no-fault system, while private insurers cover vehicle property damage. This structural framework limits high-cost litigation and injury payouts, keeping overall baseline premiums significantly lower compared to provinces like Ontario or British Columbia.
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