Insurance rate criteria

According to region

The average premium varies according to the number and frequency of claims recorded in each region.

  • The average premium for a given region depends on the number and frequency of claims that occur each year. This accounts for the variations observed from region to region.
  • The Montreal Urban Community (Centre/East) is the region with the highest number of claims (67,593) and the highest claims frequency (12.76%). This region has the second-highest cost of insurance in Quebec, with an average premium of $1,012. In contrast, the Bas-St-Laurent region (Lower St. Lawrence) had the lowest premium ($642) and a lower number (14,373) and frequency (9.24%) of claims.
  • Overall in Quebec, the average premium is $796, the number of claims is 553 394 and the claims frequency is 10.15%.

Source: GROUPEMENT DES ASSUREURS AUTOMOBILES, Automobile Statistical Plan, General results, Passenger vehicles, 2022.

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