Financing
What Does It Really Cost to Own an ATV in Quebec?
By the Groupe Contant Team · Published July 8, 2026
Quick Answer
What does it really cost to own an ATV in Quebec?
On average, the annual cost of owning an ATV in Quebec runs between $1,800 and $4,500, not counting loan payments. That covers insurance ($200–$600), registration (~$120), annual maintenance ($300–$600), the FQCQ trail-access permit (~$150–$200/year), and fuel. The ATV's purchase price ranges from $8,000 to $22,000 depending on the model.
The sticker price of an ATV is only part of the real cost. Before you sign at the dealership, it's worth calculating the total annual cost of ownership so you know the vehicle actually fits your budget, with no surprises down the line.
This guide breaks down every expense tied to owning an ATV in Quebec: purchase, financing, insurance, registration, maintenance, trail access, and gear.
Full ATV Ownership Cost Breakdown
| Expense | Low cost | High cost |
|---|---|---|
| Annual liability insurance | $200 | $600 |
| Registration (SAAQ, annual) | $100 | $150 |
| FQCQ trail-access permit | $150 | $200 |
| Annual maintenance (tune-up) | $300 | $600 |
| Fuel (moderate to heavy use) | $400 | $1,200 |
| Gear and accessories | $0 (already owned) | $500 |
| Loan payment (if financed) | $150/month | $400/month |
| ANNUAL TOTAL (excl. loan) | $1,150 | $3,250 |
Financing Options in Quebec
- Dealer financing — Most dealers, including Groupe Contant, offer financing directly on-site, sometimes with manufacturer promotional rates. It's often the fastest and most advantageous route for new vehicles.
- Bank personal loan — Your bank or credit union can offer a personal loan for an ATV purchase. Compare their rates against what your dealer offers before deciding.
- Financing with limited credit — Groupe Contant offers flexible financing, including 1st, 2nd, and 3rd chance credit. Solutions exist even after a bankruptcy or consumer proposal.
Frequently Asked Questions
On average, the annual cost of owning an ATV in Quebec runs between $1,800 and $4,500, not counting loan payments. That covers insurance ($200–$600), registration (~$120), annual maintenance ($300–$600), the FQCQ trail-access permit (~$150–$200/year), and fuel. The ATV's purchase price ranges from $8,000 to $22,000 depending on the model.
Yes. Several dealers, including Groupe Contant, offer financing on used vehicles. Since the amounts financed tend to be lower, access to the best rates is more limited — manufacturer promotional rates don't apply, and terms are often shorter than for new — see our guide to financing a used vehicle.
Generally 24 to 84 months. A longer term lowers your monthly payment but increases the total interest paid — see our financing rates guide for 2026.
Not always required, but a down payment reduces the financed amount and often improves your loan terms — see our finance or pay cash guide to weigh both options.
In specific cases (agricultural or business use), yes. For personal recreational use, no. Consult an accountant for your specific situation.
Groupe Contant — Your Quebec Dealer
Groupe Contant offers financing solutions for every credit profile — whether you're buying new or used. Submit your application online in a few minutes.