In Quebec, men pay more than women for car insurance. While men spend on average $71, women spend on average $62.

You’re probably wondering why - that’s what we’ll discover in this article.

Car Insurance Prices in Quebec: Men vs Women (2025)

Average Car Insurance Price for Men

Men pay an average of $71 for their car insurance in Quebec, and the reason is simple - they are more likely to have accidents before the age of 45.

Average Car Insurance Price for Women

For women, the average premium is $62. That’s cheaper than for men! Insurers consider female drivers to present fewer risks on the road.

But remember, each contract is unique! Gender is just one of many factors insurance companies consider when calculating your premium. Your driving record, type of vehicle, and even your postal code can affect the final price.

Why is Car Insurance More Expensive for Men than Women?

Driving Behavior

Men have a higher frequency of infractions, which directly influences their insurance premium. Risk-taking is also more common among male drivers, according to statistics. Conversely, women generally adopt more defensive driving, which reduces their risk profile in the eyes of insurers.

The number of demerit points accumulated is another factor that affects insurance costs, as is drinking and driving, unfortunately more common among men.

Additionally, men often drive more kilometers, which increases the probability of incidents and, consequently, the premium.

These different elements are taken into account by insurers to establish a higher risk profile for male drivers. However, adopting better driving habits and following road safety advice can help reduce this premium.

Higher Claims Rate

Men report claims more frequently than women. Moreover, accidents involving male drivers are often more serious, resulting in greater financial losses for insurers. Repairs needed following these collisions are generally more expensive, which further increases the average amount of claims.

These trends are confirmed by data from recent years, which emphasize the direct impact of gender-related risk factors in calculating insurance premiums. The frequency of claims remains a central element in evaluating an insured’s overall risk.

Vehicle Type and Usage

Men tend to favor more powerful vehicles, making them more expensive to insure. The value of the cars they choose also plays an important role in calculating premiums, especially since replacement parts for these models are more expensive. Professional use of the vehicle, more common among men, can also contribute to increased insurance costs. Furthermore, they more often opt for high-end brands, which also influences insurers’ calculations.

Although the same criteria apply to women, their choices differ on average, which impacts their premium level. Finally, the required coverage for new vehicles – more frequently purchased by men – is generally more expensive, which further increases the bill.

Accident Risks

Official reports show that men are more often involved in serious accidents. The risk is particularly high among drivers under 25, especially on the male side.

In comparison, women report fewer accidents, both per month and per day of driving. Getting a driver’s license among young men often corresponds to an increased risk of accidents. Recent data confirms increased male responsibility in many accidents, and the level of severity is generally higher.

Premium Evolution with Age

The cost gap between men and women tends to decrease after age 45. Indeed, accidents involving male drivers generally decrease with age and driving experience. In some regions, you might even find that insurance becomes more expensive for women beyond this age.

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Frequently Asked Questions about Car Insurance Men vs Women

Does the Driver’s License Really Affect the Cost?

Certainly, driving experience plays a major role in your car insurance pricing. Young male drivers face higher premiums due to their higher accident rate. License seniority and your driving history greatly influence the amount you’ll pay.

How to Determine the Best Protection Based on My Driver Profile?

Your choice of coverage largely depends on your driving habits. Women, generally driving fewer kilometers and opting for less powerful vehicles, often benefit from advantageous rates. To find ideal protection, consider your vehicle usage frequency, type of trips made, and your infraction history. These factors, combined with your bonus-malus, will guide the selection of coverage adapted to your specific needs.

Why is Comparing Offers Important in Car Insurance?

Comparing policies is crucial to find the best value for money. Insurers offer varying rates according to their evaluation criteria. Know that men, committing more traffic violations, may face higher premiums. On the other hand, female drivers often maintain a clean driving record, which positively influences available offers. Exploring various options will allow you to find the most advantageous coverage for your particular situation.

How Can Gendron Insurance Help Me Save?

Gendron Insurance stands out for its personalized approach. Our team carefully analyzes your driver profile, taking into account your vehicle usage frequency, its power, and your claims history. This detailed evaluation allows for optimal adjustment of your coverage and premiums. Whether you’re a man or woman, Gendron adapts to your specific driving behaviors, thus offering you the possibility to make substantial savings on your car insurance.