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TOYOTA MATRIX 2004 Car Insurance

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The 2004 Toyota Matrix is a versatile compact hatchback known for legendary reliability and a practical interior. Designed for economical everyday use, it appeals to buyers seeking a durable, affordable used vehicle to maintain.

TOYOTA MATRIX 2004 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the 2004 Toyota Matrix decline overall, moving from $328 to $170. This decrease reflects the vehicle's ongoing depreciation and its increasingly lower replacement value with age.

To find the best insurance for your TOYOTA MATRIX 2004 vehicle, it is more important than ever to compare the available options.

How much does insurance for your TOYOTA MATRIX 2004 cost in Quebec?

Based on the available data, the average premium is slightly higher in Laval ($187) than in Montreal ($178), a modest gap between the two cities compared.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City Average price over the last 12 months
MONTRÉAL $177.89

Frequently asked questions (FAQ)

How much does insurance cost for a 2004 Toyota Matrix?
In 2026, the average premium for a 2004 Toyota Matrix is $170, down compared to previous years due to the vehicle's depreciation.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.
Why does the premium for the Matrix 2004 decrease over time?
Between 2021 and 2026, the average premium dropped from $328 to $170, reflecting the reduced replacement value of an aging vehicle and lower parts costs.
Does the premium differ between Laval and Montreal?
Yes, slightly. Based on the provided data, the average premium is $187 in Laval versus $178 in Montreal for this model.
What factors influence the premium for an older Toyota Matrix?
Vehicle age, reduced market value, claims history, and the driver's profile are the main factors determining the premium for this model.
How can I lower the insurance cost for a 2004 Matrix?
Comparing several insurer quotes and choosing coverage suited to the vehicle's low value can often further reduce the premium.

Offers received by our customers on TOYOTA MATRIX 2004 cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 07/13/2026