Updated October 22, 2026 | Published October 22, 2026
In Quebec, you can receive demerit points on your driver’s licence if you’re convicted of a traffic offence. If you reach a certain threshold, your licence may be temporarily suspended or revoked. Having demerit points on your record can also be costly when you renew your licence.
In this article, we will take a detailed look at how demerit points work, how they are applied, how they affect your licence, and how they impact insurance.

The important points
The Société de l’assurance automobile du Québec (SAAQ), the provincial body responsible for driver’s licences, administers demerit points. The SAAQ assesses penalties when drivers are convicted of violating the Highway Safety Code. The more serious the infraction, the more demerit points you receive. You can receive demerit points for offences ranging from minor speeding to distracted driving, and they remain on your driving record for two years.
Your maximum allowable point threshold depends on your age and licence type. Crossing your designated limit can result in an automatic licence suspension, higher insurance premiums, and significantly more expensive SAAQ renewal fees.
To have demerit points assessed against your record, you must be convicted of an offence. Demerit points do not apply to any traffic tickets assessed through photo radar, such as speeding or running a red light. These cameras record only the licence plate, and the ticket is issued to the vehicle owner regardless of who was driving at the time.1
In Quebec, demerit points start at zero and are added to your driver’s licence. Demerit point thresholds vary by driver age and licence type. The threshold represents the cumulative score that triggers an automatic licence suspension. The points remain on your record for 2 years following the date of conviction.2
| Driver category | Age / Experience bracket | Demerit point limit | Warning letter sent |
|---|---|---|---|
| Learner’s licence | Any age | 4 points | N/A (immediate suspension risk) |
| Probationary licence | First 2 years of driving (any age) | 4 points | N/A (immediate suspension risk) |
| Unlicensed drivers | Individuals who do not hold a permit | 4 points | Right to obtain a licence suspended |
| Full licence (class 5) | Under 23 years old | 8 points | At 4 points |
| Full licence (class 5) | Ages 23 to 24 | 12 points | At 6 points |
| Full licence (class 5) | Ages 25 and older | 15 points | At 7 points |
A driver loses their licence when their active demerit point total equals or exceeds their assigned bracket threshold. When this occurs, the SAAQ issues a notice of licence revocation. The notice indicates the number of demerit points assessed and how long they will remain on your record. The minimum revocation period is 3 months and can be as long as 6 or 12 months, depending on the applicable bracket, the number of points, and the duration of the most recent penalty imposed within the previous 2 years.
Depending on the length of revocation, the frequency of infractions, and the driver’s licence status, the reinstatement process may include fee payments, a knowledge re-test, and retaking the written/practical driving exam.2
| Category | Revocation duration | Reinstatement requirements |
|---|---|---|
| First threshold breach | 3 months minimum | Pay reinstatement fees; potential knowledge re-test |
| Repeat infractions (within 2 Years) | 6 to 12 months | Retake written/practical driving exams; safety coursework |
| Unlicensed offenders | 3 to 12 months suspension of right to obtain a licence | Waiting period must elapse before eligibility for learner’s permit |
If you hold a driver’s or probationary licence and this is your first revocation in 2 years, you can ask a judge for a restricted licence, provided that you can demonstrate that operating a motor vehicle is an essential requirement of your main employment.
If you are caught driving a vehicle while your licence is revoked or suspended, the vehicle you are driving will be seized and impounded for 30 days at the owner’s expense. You will also have to pay a $600 to $2,000 fine, plus legal and administrative fees.2
Under a reciprocal agreement established on April 1, 1989, Quebec and Ontario systematically exchange conviction data for traffic offences.3
If a Quebec driver in Ontario is convicted of a moving violation in Ontario, the Ontario Ministry of Transportation (MTO) notifies the SAAQ. The SAAQ enters the offence into your Quebec driving record and assesses demerit points according to Quebec’s points scale.
For an Ontario driver in Quebec, Quebec convictions are forwarded to the MTO, and Ontario applies its own equivalent demerit point scale to the driver’s Ontario licence.
Quebec also maintains active reciprocal agreements with New York and Maine.
Related articles:
ready for an online quote? Your time matters, and so does your stuff. Get a personalized home insurance quote in 5 minutes. That’s less time than it takes to wait in line for coffee.
Before you start, please review our Privacy Policy and Terms of Use.
Several driving infractions can lead to demerit points being assessed against your licence. These generally belong to two categories: speeding and moving violations.
Speeding penalties escalate based on how much you exceed the posted limit. The following chart shows how many demerit points are assessed in a zone where the posted speed limit is 60 km/h or less:4
| Speed over the limit | Demerit points assessed |
|---|---|
| 11 to 20 km/h | 1 point |
| 21 to 30 km/h | 2 points |
| 31 to 39 km/h | 3 points |
| 40 to 45 km/h | 6 points |
| 46 to 49 km/h | 10 points |
| 50 to 60 km/h | 10 points |
| 61 to 80 km/h | 14 points |
| 81 to 100 km/h | 18 points |
| 101 to 120 km/h | 24 points |
| 121 km/h or more | 30 points or more |
Moving violations include offences such as running a red light, using a cell phone while driving, and failing to stop for a school bus. The following chart shows how demerit points are assessed for some common moving violations.4
| Infraction | Demerit points |
|---|---|
| Tailgating (failing to keep a safe distance) | 2 points |
| Failing to yield to oncoming traffic | 2 points |
| Failing to wear a seat belt | 3 points |
| Failing to obey a red traffic light or stop sign | 3 points |
| Speeding or reckless driving | 4 points |
| Driving while using a portable electronic device or a display screen | 5 points |
| Failing to stop for a school bus | 9 points |
| Driving for a wager or a stake in a race | 12 points |
Demerit points remain active on your driving record for exactly 2 years from the date of conviction (the date you pay the fine or the court enters a guilty finding), not the date the police officer issued the ticket. Once 24 full months have elapsed, those points automatically expire and no longer count toward a licence revocation.2
Quebec does not offer voluntary driving courses or administrative fees to wipe out points early; you must wait for the 2-year period to expire before the points are removed from your record.
Demerit points can have financial implications through public licence fees and private auto insurance.
Quebec’s public insurance plan covers bodily injuries. The annual insurance contribution component of your driver’s licence fee scales with the number of active demerit points on your record. This fee is evaluated on points accumulated over the past 2 years. The following chart shows licence renewal costs for class 1 to 5 drivers.5
| Demerit points | Insurance contribution (tax included) | Charge | Fees paid to the Ministère des Finances | Total |
|---|---|---|---|---|
| 0 | $23.48 | $5.45 | $21.30 | $50.23 |
| 1 to 3 | $101.04 | $5.45 | $21.30 | $127.79 |
| 4 to 6 | $179.27 | $5.45 | $21.30 | $206.02 |
| 7 to 9 | $245.17 | $5.45 | $21.30 | $271.92 |
| 10 to 14 | $340.69 | $5.45 | $21.30 | $367.44 |
| 15 or more | $582.21 | $5.45 | $21.30 | $608.96 |
Private car insurance covers vehicle damage and civil liability. Insurers don’t calculate premiums solely from your point total; they rate your policy based on your infraction and conviction history over the past 3 years. A careless-driving or excessive-speeding conviction can lead to substantial car insurance premium increases.
“When you apply for or renew private auto insurance, the underwriter will examine your driver’s abstract,” said Daniel Mirkovic, President + CEO of Square One. “More specifically, they will evaluate the number, frequency, and severity of your traffic tickets. While a minor speeding ticket may have little impact, an insurer will consider a driver with multiple infractions or a major offence like distracted driving or excessive speeding as a high risk.”
You can check your demerit points online through the official SAAQ portal (SAAQclic). After logging in, go to the Driving Record section to review your points and infractions. You can also call a SAAQ customer service line or visit a local service centre. You will be asked to provide your driver’s licence number and primary identification to obtain an official copy of your driving record.6
A newly licensed driver starts with 0 points. Drivers can only be assessed demerit points if they are convicted of a traffic violation.
Receiving demerit points doesn’t necessarily mean your licence will be suspended or revoked. However, drivers with a probationary or learner’s licence need to be careful if they reach 3 demerit points, since the suspension threshold for this licence category is 4 demerit points.7
Sources
Want to learn more? Visit our vehicle owner resource centre for dozens of helpful articles. Or, get an online car insurance quote in under 5 minutes and find out how affordable personalized coverage can be.
Check out these related articles:
Get a personalized online home insurance quote in just 5 minutes and see how much money you can save by switching to Square One.
Even when you take precautions, accidents can happen. Home insurance is one way to protect your family against financial losses from accidents. And, home insurance can start from as little as $15/month.