Car Insurance in Lavaltrie

INSURANCE PREMIUM HISTORY IN LAVALTRIE (LAST 10 YEARS)

In Lavaltrie, auto insurance premiums have seen a significant increase since 2015, rising from $905 to $1508 in 2025. After a slight decrease in 2016 and moderate fluctuations until 2019, there has been a marked increase starting in 2020, with a particularly substantial rise between 2023 and 2025.

Factors influencing your insurance premiums in lavaltrie

Car insurance premiums in lavaltrie 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 lavaltrie, 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 lavaltrie by age group

In Lavaltrie, drivers aged 18 to 28 face the highest insurance premiums at $1755, while those 60-70 years old benefit from the lowest costs at $1069. There is a progressive decrease in premiums with age, with a notable reduction between the 30-40 and 40-50 age groups, reflecting the impact of driving experience on risk assessment.