Car Insurance in Québec

INSURANCE PREMIUM HISTORY IN QUEBEC (LAST 10 YEARS)

In Quebec City, the average auto insurance premium rose significantly between 2016 and 2026, moving from $729 to $1451. The increase accelerated after 2019, with a slight dip in 2022 ($1032) before resuming its climb to $1450 in 2025 and $1451 in 2026.

Factors influencing your insurance premiums in quebec

Car insurance premiums in quebec are determined by a number of specific factors, which insurers carefully analyze to assess the risk level associated with each driver and vehicle. Understanding these factors can help you better understand the cost of your insurance.

• Your Driving Record: Your driving record history is the most important factor. A clean record with no accidents or tickets can save you hundreds of dollars a year, as it demonstrates that you are a responsible driver.
• Your vehicle: The make, model, year, and even color of your vehicle are taken into account. Newer cars, luxury models, or those with high repair costs generally cost more to insure.
• Your place of residence: In quebec, population density and traffic can impact your premiums.
• Your vehicle usage: If you use your vehicle daily for work, your premium will be higher than if you only use it for occasional trips. The number of kilometers driven each year also has an impact.
• Your age: Young drivers generally pay higher premiums, as statistics show they are more likely to be involved in accidents.
• Your profile: Other factors such as your credit score, your profession and your insurance product purchasing habits also influence the cost of your insurance.

Car insurance in quebec by age group

In Quebec City, drivers aged 18 to 29 pay the highest premium among the available groups ($1885 on average), while drivers aged 60 to 70 benefit from the lowest ($1000). The premium decreases steadily with age, passing through $1521 (30-39), $1351 (40-49), and $1134 (50-59).