TOYOTA MATRIX 2004 Car Insurance

The 2004 Toyota Matrix is a versatile compact hatchback combining Toyota's well-known reliability with practical cargo space. Designed for economical daily use, it appeals to drivers seeking simplicity, durability, and low maintenance costs.

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

Between 2021 and 2026, premiums for the 2004 Toyota Matrix generally decline, moving from $269 to $149, despite a temporary rise in 2022 ($370). This decrease reflects the vehicle's advanced age and lower replacement value.

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

Get low-cost insurance for your TOYOTA MATRIX 2004

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

Based on the available data, the average premium for the 2004 Toyota Matrix in Montreal stands at $178, a relatively low amount compared to the historical premiums observed for this model.

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 car insurance cost for a 2004 Toyota Matrix?

In 2026, the average premium for a 2004 Toyota Matrix is $149, one of the lowest amounts observed over the available period.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any vehicle driven on public roads.

Has the Matrix 2004 premium changed much over the years?

Yes. It rose from $269 in 2021 to a peak of $370 in 2022, then gradually declined to $149 in 2026, reflecting the vehicle's ongoing depreciation.

How much does it cost to insure a Matrix 2004 in Montreal?

Based on the data provided, the average premium in Montreal is $178, consistent with the vehicle's advanced age and lower value.

Why is the premium for an older Matrix so low?

The low replacement value of a vehicle over twenty years old, combined with modest repair costs, explains premiums well below those of newer models.

How can I further reduce insurance costs for this vehicle?

Comparing quotes from several insurers and adjusting coverage, such as dropping collision on an older vehicle, can help lower costs even further.

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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: 08/14/2026

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Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

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