Car Insurance in Mont-Laurier

INSURANCE PREMIUM HISTORY IN MONT-LAURIER (LAST 10 YEARS)

In Mont-Laurier, auto insurance premiums have experienced irregular but generally increasing trends between 2015 and 2025. After an initial decrease until 2017 ($780), there was a significant spike in 2021 ($1624), followed by a drop in 2022, before a new upward trend peaking at $1693 in 2025.

Factors influencing your insurance premiums in mont-laurier

Car insurance premiums in mont-laurier 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 mont-laurier, 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 mont-laurier by age group

In Mont-Laurier, drivers aged 18 to 28 face the highest insurance premiums ($2295), more than double those of 60-70 year-olds ($1102). Middle age groups enjoy more moderate costs, with a slight increase for 50-60 year-olds ($1521) compared to 40-50 year-olds ($1432).