Home
About Us
Guide for Quebec Newcomers

Your Quebec Car Buying Questions Answered for Newcomers

Everything Newcomers Need to Know About Buying a Car in Quebec

Buying your first car in Quebec can be confusing—new rules, new systems, and a different insurance model. At Lallier Kia Vimont, we make it simple. This guide answers the most common questions newcomers ask when purchasing a vehicle in Quebec. From language laws to financing options and winter tire rules, we explain it all so you can drive confidently in your new home province.

Language, Licensing & Legal Considerations in Quebec

In Quebec, most official vehicle documents are in French, though English versions are available upon request. Financing through Kia and license testing is available in either language. If you're from a country with a reciprocal agreement, you can exchange your foreign license without taking a test. Others must complete Quebec’s graduated licensing system. Plan ahead—exchanges typically take 6–8 weeks and must be completed within 90 days of becoming a resident.

How Insurance, Winter Rules, and Registration Work

Quebec has a hybrid insurance model—public coverage for injuries (SAAQ) and private coverage for property damage. Your annual SAAQ fee is paid with your license renewal, not your insurance premium. All drivers must use winter tires between December 1 and March 15, or risk fines. Registration costs range from $300–$500/year, and private insurance averages $600–$900. Be sure to register your vehicle within 30 days of establishing permanent residence.

Financing, Ownership Costs & Buying vs. Leasing

Desjardins and Kia Finance offer flexible financing for newcomers. Build your credit by opening a local bank account, using a Quebec-based credit card, and reporting rent/utilities to credit bureaus. Expect annual costs of $1,200–$2,000 for fuel and $1,500–$2,500 for maintenance and winter prep. Leasing offers lower monthly payments and protection against winter-related wear, while financing builds long-term equity—ideal for those settling in Quebec permanently.

Bilingual Service & Documentation

Our team speaks your language and ensures your contracts, insurance, and financing are easy to understand.

Newcomer-Friendly Financing

We work with institutions like Desjardins and Kia Finance to provide loan options—even if you’re new to Canada.

Complete Support from A to Z

From registration and licensing to seasonal maintenance, we help you every step of the way.

FREQUENTLY ASKED QUESTIONS (FAQ)

Can I get a car loan if I just moved to Quebec?

Yes. Lenders like Desjardins and Kia Finance offer programs designed for newcomers with limited or no Canadian credit history.

Talk to a Quebec Car Expert Today

At Lallier Kia Vimont, we guide newcomers through every step—from financing to winter prep. Fill out the form to get personalized, pressure-free support.