Car Insurance in Beauharnois

INSURANCE PREMIUM HISTORY IN BEAUHARNOIS (LAST 10 YEARS)

In Beauharnois, auto insurance premiums have experienced significant fluctuations between 2015 and 2025. After a notable decrease from $1183 to $822 between 2015 and 2018, there was a significant spike in 2021 to $1554, followed by stabilization around $1300-1450 for subsequent years. This trend likely reflects changes in local risk factors.

Factors influencing your insurance premiums in beauharnois

Car insurance premiums in beauharnois 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 beauharnois, 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 beauharnois by age group

In Beauharnois, auto insurance costs vary considerably by age. Drivers aged 18 to 28 pay the highest premiums at $1747, while those 60-70 enjoy the most favorable rates at $911. There is a progressive decrease in costs with age, reflecting increased driving experience and reduced risk behaviors.