Car Insurance in Laval

INSURANCE PREMIUM HISTORY IN LAVAL (LAST 10 YEARS)

In Laval, the average auto insurance premium rose sharply between 2016 and 2026, moving from $897 to $1841. A peak of $1814 occurred in 2021, followed by a drop to $1496 in 2022 and $1510 in 2023, then a rebound to $1688 in 2024 and $1853 in 2025 before easing slightly to $1841 in 2026. Overall, the long-term trend remains upward.

Factors influencing your insurance premiums in laval

Car insurance premiums in laval 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 laval, 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 laval by age group

In Laval, drivers aged 18 to 29 pay the highest premium among the provided groups, averaging $2427, followed by the 30-39 group at $2152. Premiums then decrease with age: $1721 for the 40-49 group, $1633 for the 50-59 group, and only $1158 for the 60-70 group — more than half what younger drivers pay.