Car Insurance in Québec

INSURANCE PREMIUM HISTORY IN QUEBEC (LAST 10 YEARS)

In Quebec City, auto insurance premiums have seen a significant increase between 2015 and 2025, rising from $694 to $1430. This 106% increase reflects a steady upward trend, with a particularly notable acceleration between 2018 and 2021, when premiums jumped by nearly 50%.

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, young drivers aged 18 to 28 face the highest insurance premiums at $1819, almost double what drivers aged 60 to 70 pay ($969). There is a progressive decrease in costs with age, reflecting the perception of decreasing risk and increased driving experience.