Car Insurance in Montréal-Nord

INSURANCE PREMIUM HISTORY IN MONTREAL-NORD (LAST 10 YEARS)

In Montréal-Nord, the average auto insurance premium rose from $1097 in 2016 to $2281 in 2026. The progression is not linear: a peak was reached in 2021 ($2472), followed by a decline in 2022 and 2023 ($1783), then a renewed increase reaching $2267 in 2025 and $2281 in 2026.

Factors influencing your insurance premiums in montreal-nord

Car insurance premiums in montreal-nord 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 montreal-nord, 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 montreal-nord by age group

In Montréal-Nord, drivers aged 18 to 29 pay the highest premium among the considered groups ($2876), followed by the 30-39 group ($2508). Premiums then decrease with age, with the 60-70 group paying the lowest amount ($1339).