Car Insurance in Gaspé

INSURANCE PREMIUM HISTORY IN GASPE (LAST 10 YEARS)

In Gaspé, auto insurance premiums experienced a significant increase between 2015 and 2022, rising from $597 to $1640. After a notable decrease in 2023 to $1423, premiums began to gradually increase again, reaching $1574 in 2025. This trend reflects fluctuations in the insurance market in the region.

Factors influencing your insurance premiums in gaspe

Car insurance premiums in gaspe 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 gaspe, 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 gaspe by age group

In Gaspé, drivers aged 18 to 28 pay the highest insurance premiums at $1879, while those aged 60-70 benefit from the lowest costs at $964. There is a progressive decrease in premiums with age, reflecting increased driving experience and reduced risk as perceived by insurers.