According to region
The average premium varies significantly from region to region.
- The average premium for a region is related to the frequency of claims and the average cost of claims that occur in that region each year. This explains the variations in average premiums observed from one region to another.
- The Montréal Urban Community (central and east) is the region with the most claims (66,410) and the highest frequency of claims (12.36%).
- In 2025, for all locations combined, the average premium is $1,067, the number of claims is 580,020 and the frequency of claims is 10,24%.
Source: GROUPEMENT DES ASSUREURS AUTOMOBILES, Automobile Statistical Plan, General Results, Passenger Vehicles, 2025.