Car Insurance in Lachine

INSURANCE PREMIUM HISTORY IN LACHINE (LAST 10 YEARS)

In Lachine, auto insurance premiums have seen a significant increase, rising from $976 in 2015 to $1886 in 2025. This upward trend particularly accelerated after 2021, with an increase of over 69% over four years. This evolution likely reflects increasing repair costs and growing traffic density in this Montreal area.

Factors influencing your insurance premiums in lachine

Car insurance premiums in lachine 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 lachine, 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 lachine by age group

In Lachine, drivers aged 18 to 28 pay the highest insurance premiums at $2487, more than double what drivers aged 60 to 70 pay ($1165). There is a progressive decrease in costs with age, reflecting increased driving experience and reduced risk behaviors. Drivers between 30 and 50 years old pay similar premiums, around $2000.