Add fixed costs
Start with the payment or savings needed to replace the vehicle. Add insurance, annual registration divided by twelve, parking and recurring services.
The SAAQ publishes a 2026 base total of $217.41 for a personal passenger vehicle, before certain local or vehicle-related additions. Use the amount that applies to your situation.
Turn irregular expenses into a monthly amount
Estimate energy from annual mileage and vehicle consumption. Divide tires, seasonal changes, planned maintenance and likely repairs by twelve.
Keep a separate reserve for the insurance deductible or an unexpected repair. Without it, a normal month looks affordable but the budget fails when something breaks.
Compare complete scenarios
CAA-Quebec offers a calculator that includes items such as maintenance, insurance and depreciation. Compare at least two vehicles with the same mileage and ownership period.
The lowest payment is not always the lowest-cost scenario. A simpler vehicle with cheaper insurance or tires may leave more room every month.
Monthly formula
- Payment or depreciation and financing cost.
- Auto insurance.
- Gas or electricity based on real mileage.
- Registration, parking and recurring fees.
- Tires, maintenance and repair reserve divided by twelve.
The right choice depends on your use, not a generic ranking.
Answer the quiz to combine your budget, winter needs, charging access, passengers and risk level before shopping listings.
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