Contents Show
Things to Know Before Getting Brantford Car Insurance
Here are some things to know before getting car insurance in Brantford, Ontario, Canada:
- Brantford is located in the Grand River Valley and experiences all four seasons, including harsh winters with snow and ice. This can increase the risk of accidents and may affect the cost of insurance.
- Brantford has a relatively low crime rate compared to other cities in Ontario, but car theft can still occur. It’s important to keep your car secure and consider installing anti-theft devices to potentially lower your insurance premiums.
- The government of Ontario sets the minimum required car insurance coverage for drivers, which includes third-party liability coverage, accident benefits coverage, and uninsured motorist coverage. Drivers can choose to purchase additional coverage options, such as collision or comprehensive coverage, which can increase the cost of insurance.
- There are a number of insurance providers in Brantford and the surrounding area, which can offer a range of coverage options and rates. It’s important to shop around and compare quotes from several providers to find the best coverage at the most affordable price.
- Insurance rates can vary widely based on a number of factors, including the driver’s age, driving record, and type of vehicle. It’s important to be honest and accurate when providing information to insurance providers to ensure that you receive the appropriate coverage and premiums.
- Some insurance providers may offer discounts for safe driving habits, bundling multiple policies, or being a member of certain organizations. It’s important to ask about potential discounts to help reduce your insurance premiums.
- It’s recommended to review your car insurance policy annually and make adjustments as necessary to ensure that you have the appropriate coverage for your needs.
What is the Average Car Insurance Cost in Brantford?
According to our research data, the average annual car insurance premium in Brantford for a single adult driver is approximately $1,602.
Here is a table showing the estimated average monthly car insurance costs range for different driver profiles in Brantford, for a driver profile of age 35, married, and a clean driving record:
Please note that these are estimated costs and may vary depending on a variety of factors, including the driver’s age, gender, location, and the insurance provider. The range of costs provided reflects the estimated lowest and highest costs for each car type.
| Driver Profile | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| G1 Driver | $300 – $430 | $375 – $535 | $470 – $670 |
| G2 Driver | $210 – $300 | $265 – $380 | $330 – $470 |
| Full G | $135 – $195 | $170 – $245 | $210 – $300 |
| Teenage Driver | $600 – $860 | $755 – $1080 | $945 – $1350 |
| Young Driver | $325 – $465 | $405 – $580 | $505 – $720 |
| High-risk Driver | $675 – $965 | $845 – $1210 | $1060 – $1520 |
| Occasional driver | $145 – $205 | $180 – $255 | $225 – $320 |
| Pleasure driver | $135 – $195 | $170 – $245 | $210 – $300 |
| Commuting driver | $260 – $375 | $325 – $465 | $405 – $580 |
| Good driver | $135 – $195 | $170 – $245 | $210 – $300 |
| Bad driver | $555 – $795 | $695 – $995 | $870 – $1245 |
| New Driver | $445 – $635 | $560 – $800 | $700 – $1000 |
| Secondary Driver | $120 – $170 | $150 – $215 | $190 – $270 |
| 17 Years Old | $640 – $915 | $800 – $1145 | $1005 – $1435 |
| Seniors | $135 – $195 | $170 – $245 | $210 – $300 |
| Over 55 Years Old | $135 – $195 | $170 – $245 | $210 – $300 |
| Students | $310 – $445 | $390 – $560 | $485 – $695 |
| International Driver | $625 – $895 | $785 – $1120 | $980 – $1400 |
| Newcomers | $455 – $650 | $570 – $815 | $710 – $1015 |
| Men Driver | $255 – $365 | $320 – $460 | $400 – $575 |
| Women Driver | $205 – $295 | $260 – $375 | $325 – $465 |
| Married Couples | $135 – $195 | $170 – $245 | $210 – $300 |
| Usage-Based | $140 – $200 | $175 – $250 | $220 – $315 |
| Uber/Lyft | $310 – $445 | $390 – $560 | $485 – $695 |
| Personal use | $135 – $195 | $170 – $245 | $210 – $300 |
Here is a table showing the estimated average monthly car insurance costs range for different types of cars in Brantford, for a driver profile of age 35, married, and a clean driving record:
| Car Type | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| Sedan | $135 – $195 | $170 – $245 | $210 – $300 |
| Convertible | $270 – $385 | $340 – $485 | $425 – $605 |
| Hatchback | $135 – $195 | $170 – $245 | $210 – $300 |
| Wagon | $145 – $205 | $180 – $255 | $225 – $320 |
| Coupe | $270 – $385 | $340 – $485 | $425 – $605 |
| SUV | $260 – $375 | $325 – $465 | $405 – $580 |
| Truck | $300 – $430 | $375 – $535 | $470 – $670 |
| Minivans | $240 – $345 | $300 – $430 | $375 – $535 |
| Van | $240 – $345 | $300 – $430 | $375 – $535 |
| Electric Car | $190 – $270 | $240 – $345 | $300 – $430 |
| Hybrid Car | $190 – $270 | $240 – $345 | $300 – $430 |
| Multi Car | $135 – $195 | $170 – $245 | $210 – $300 |
| Exotic Car | $785 – $1120 | $985 – $1405 | $1230 – $1760 |
| Luxury Car | $555 – $795 | $695 – $995 | $870 – $1245 |
| Classic Car | $255 – $365 | $320 – $460 | $400 – $575 |
| Vintage car | $255 – $365 | $320 – $460 | $400 – $575 |
| Sports Car | $385 – $550 | $480 – $685 | $600 – $860 |
| Leased cars | $135 – $195 | $170 – $245 | $210 – $300 |
| 2 Door | $270 – $385 | $340 – $485 | $425 – $605 |
Here is a table showing the estimated average monthly car insurance costs range for a driver profile of age 35, married, in Brantford, based on the driving history:
| Driving History | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| 1 one at-fault accident | $445 – $635 | $560 – $800 | $700 – $1000 |
| 2 one at-fault accident | $785 – $1120 | $985 – $1405 | $1230 – $1760 |
| 1 non-fault accident | $135 – $195 | $170 – $245 | $210 – $300 |
| DUI conviction | $785 – $1120 | $985 – $1405 | $1230 – $1760 |
| 1 Speeding Ticket | $205 – $295 | $260 – $375 | $325 – $465 |
| 2 Speeding Tickets | $300 – $430 | $375 – $535 | $470 – $670 |
How Does Brantford’s Average Car Insurance Cost Compare to Other Cities?
Here is a comparison of the average car insurance costs in Brantford, Ontario, Canada compared to other cities:
- Brantford – $1,602
- Guelph – $1,594
- Kitchener – $1,602
- Hamilton – $1,610
- Cambridge – $1,649
- London – $1,673
- Toronto – $1,883
- Ottawa – $1,207
Which Cars Have the Cheapest Car Insurance in Brantford?
Here are some cars that may have lower insurance costs in Brantford:
- Honda Civic – $1,332 per year on average
- Toyota Corolla – $1,365 per year on average
- Mazda3 – $1,455 per year on average
- Ford Escape – $1,547 per year on average
- Hyundai Elantra – $1,598 per year on average
- Volkswagen Golf – $1,595 per year on average
- Kia Soul – $1,536 per year on average
- Nissan Sentra – $1,566 per year on average
- Subaru Impreza – $1,504 per year on average
- Jeep Cherokee – $1,645 per year on average
How to Get the Cheapest Car Insurance in Brantford?
Here are some tips for getting the cheapest car insurance in Brantford, Ontario, Canada:
- Shop around: Obtain quotes from several insurance providers to compare coverage options and rates. It’s important to compare the coverage offered, not just the price, to ensure that you have the appropriate coverage for your needs.
- Consider increasing your deductible: Increasing your deductible can lower your insurance premium. However, it’s important to make sure that you can afford the deductible if you need to make a claim.
- Bundle your policies: Consider bundling your car insurance with other insurance policies, such as home or life insurance, to potentially qualify for a discount.
- Maintain a good driving record: A clean driving record can help lower your insurance premium. Avoid traffic violations and accidents to maintain a good driving record.
- Consider taking a defensive driving course: Some insurance providers offer discounts for drivers who have completed a defensive driving course. Check with your provider to see if this is an option.
- Drive a car with lower insurance costs: Consider purchasing a car with a lower value or one that has lower repair and replacement costs. These vehicles may have lower insurance premiums.
- Install anti-theft devices: Installing anti-theft devices, such as an alarm or tracking device, can lower your insurance premium. Check with your provider to see what types of devices may be eligible for a discount.
Brantford Car Insurance Facts
Here are some car insurance facts related to Brantford, Ontario, Canada:
- Brantford has a relatively low crime rate compared to other cities in Ontario. However, car theft can still occur, so it’s important to keep your car secure and consider installing anti-theft devices to potentially lower your insurance premiums.
- The cost of car insurance in Brantford can vary widely depending on a number of factors, including the driver’s age, driving record, type of vehicle, and coverage options. According to data from Kanetix.ca, the average annual car insurance premium in Brantford for a single adult driver is approximately $1,582.
- There are a number of insurance providers in Brantford and the surrounding area, which can offer a range of coverage options and rates. It’s recommended to shop around and compare quotes from several providers to find the best coverage at the most affordable price.
- The government of Ontario sets the minimum required car insurance coverage for drivers, which includes third-party liability coverage, accident benefits coverage, and uninsured motorist coverage. Drivers can choose to purchase additional coverage options, such as collision or comprehensive coverage, which can increase the cost of insurance.
- Insurance rates can vary widely based on a number of factors, including the driver’s age, driving record, and type of vehicle. It’s important to be honest and accurate when providing information to insurance providers to ensure that you receive the appropriate coverage and premiums.
- Some insurance providers may offer discounts for safe driving habits, bundling multiple policies, or being a member of certain organizations. It’s important to ask about potential discounts to help reduce your insurance premiums.
- It’s recommended to review your car insurance policy annually and make adjustments as necessary to ensure that you have the appropriate coverage for your needs.
Top 10 List of Best Car Insurance Companies in Brantford
Here are some of the best car insurance companies in Brantford, Ontario, Canada, along with company descriptions, reviews, and star ratings:
- Intact Insurance – Intact Insurance is one of Canada’s largest insurance providers, offering a range of coverage options for cars, homes, and businesses. Customers have praised the company for its responsive customer service and competitive rates. Intact Insurance has a 4-star rating on Google.
- Belairdirect – Belairdirect is a Canadian insurance provider that offers car, home, and business insurance. Customers have praised the company for its user-friendly website and mobile app, as well as its quick and efficient claims process. Belairdirect has a 3.9-star rating on Google.
- Allstate Insurance – Allstate Insurance is a popular insurance provider in Canada, offering a range of coverage options for cars, homes, and businesses. Customers have praised the company for its helpful and knowledgeable agents, as well as its competitive rates. Allstate Insurance has a 4-star rating on Google.
- Johnson Insurance – Johnson Insurance is a Canadian insurance provider that offers coverage options for cars, homes, and businesses. Customers have praised the company for its helpful and friendly agents, as well as its competitive rates. Johnson Insurance has a 3.6-star rating on Google.
- TD Insurance – TD Insurance is a Canadian insurance provider that offers a range of coverage options for cars, homes, and businesses. Customers have praised the company for its easy-to-use website and mobile app, as well as its efficient claims process. TD Insurance has a 3.7-star rating on Google.
- The Co-operators – The Co-operators is a Canadian insurance provider that offers a range of coverage options for cars, homes, and businesses. Customers have praised the company for its knowledgeable agents, as well as its personalized and attentive service. The Co-operators has a 4-star rating on Google.
- State Farm – State Farm is a well-known insurance provider in Canada, offering coverage options for cars, homes, and businesses. Customers have praised the company for its competitive rates and helpful agents. State Farm has a 3.8-star rating on Google.
- Aviva Insurance – Aviva Insurance is a global insurance provider with a strong presence in Canada, offering a range of coverage options for cars, homes, and businesses. Customers have praised the company for its responsive customer service and efficient claims process. Aviva Insurance has a 4-star rating on Google.
- Wawanesa Insurance – Wawanesa Insurance is a Canadian insurance provider that offers coverage options for cars, homes, and businesses. Customers have praised the company for its competitive rates and efficient claims process. Wawanesa Insurance has a 3.8-star rating on Google.
- Economical Insurance – Economical Insurance is a Canadian insurance provider that offers a range of coverage options for cars, homes, and businesses. Customers have praised the company for its helpful and knowledgeable agents, as well as its competitive rates. Economical Insurance has a 3.9-star rating on Google.
Top 10 List of Best Car Insurance Brokers in Brantford
Here are some of the best independent car insurance brokers in Brantford, Ontario, Canada, along with their company descriptions, reviews, and star ratings:
- Henry Equestrian Insurance Brokers – Henry Equestrian Insurance Brokers is an independent insurance brokerage that specializes in coverage for the equestrian industry. They also offer a range of coverage options for cars and other vehicles. Customers have praised the company for its knowledgeable and helpful agents. Henry Equestrian Insurance Brokers has a 4.9-star rating on Google.
- Oegema Nicholson & Associates Insurance Brokers Ltd. – Oegema Nicholson & Associates Insurance Brokers Ltd. is an independent insurance brokerage that offers a range of coverage options for cars, homes, and businesses. Customers have praised the company for its friendly and helpful staff. Oegema Nicholson & Associates Insurance Brokers Ltd. has a 4.8-star rating on Google.
- Ray-Mar Insurance Brokers – Ray-Mar Insurance Brokers is an independent insurance brokerage that offers a range of coverage options for cars, homes, and businesses. Customers have praised the company for its knowledgeable agents and competitive rates. Ray-Mar Insurance Brokers has a 4.8-star rating on Google.
- McDougall Insurance & Financial – McDougall Insurance & Financial is an independent insurance brokerage that offers a range of coverage options for cars, homes, and businesses. Customers have praised the company for its helpful and attentive agents. McDougall Insurance & Financial has a 4.7-star rating on Google.
- Brokers Trust Insurance Group Inc. – Brokers Trust Insurance Group Inc. is an independent insurance brokerage that offers a range of coverage options for cars, homes, and businesses. Customers have praised the company for its personalized and attentive service. Brokers Trust Insurance Group Inc. has a 4.7-star rating on Google.
- Olson Insurance Brokers – Olson Insurance Brokers is an independent insurance brokerage that offers a range of coverage options for cars, homes, and businesses. Customers have praised the company for its knowledgeable agents and personalized service. Olson Insurance Brokers has a 4.9-star rating on Google.
- W.B. White Insurance – W.B. White Insurance is an independent insurance brokerage that offers a range of coverage options for cars, homes, and businesses. Customers have praised the company for its competitive rates and efficient claims process. W.B. White Insurance has a 4.8-star rating on Google.
- KRG Insurance Brokers – KRG Insurance Brokers is an independent insurance brokerage that offers a range of coverage options for cars, homes, and businesses. Customers have praised the company for its responsive customer service and competitive rates. KRG Insurance Brokers has a 4.8-star rating on Google.
- Schwegel Insurance – Schwegel Insurance is an independent insurance brokerage that offers a range of coverage options for cars, homes, and businesses. Customers have praised the company for its personalized and attentive service. Schwegel Insurance has a 4.6-star rating on Google.
- The Shepherd Group – The Shepherd Group is an independent insurance brokerage that offers a range of coverage options for cars, homes, and businesses. Customers have praised the company for its knowledgeable agents and competitive rates. The Shepherd Group has a 4.6-star rating on Google.
Tips for Drivers in Brantford
Here are some tips for drivers in Brantford, Ontario, Canada:
- Avoid rush hour traffic: Brantford can experience heavy traffic during rush hour, particularly on Highway 403 and Wayne Gretzky Parkway. If possible, try to avoid these areas during peak traffic times to reduce your commute time.
- Watch for construction: Brantford has experienced significant construction in recent years, particularly on Highway 403 and the Wayne Gretzky Parkway. Be aware of construction zones and slow down when passing through these areas to ensure your safety and the safety of construction workers.
- Use winter tires: Brantford experiences significant winter weather, including snow and ice. It’s recommended to use winter tires on your vehicle to improve traction and handling in these conditions.
- Watch for wildlife: Brantford is located near natural areas, such as the Grand River and conservation areas. Be aware of wildlife crossing the road, particularly at night or during early morning hours.
- Be mindful of parking restrictions: Brantford has parking restrictions in certain areas, particularly in the downtown core. Make sure to check signs and meters to ensure that you are parking legally and avoid fines.
- Watch for cyclists: Brantford has a growing cycling community, and cyclists may be sharing the road with vehicles. Be aware of cyclists and give them enough space when passing or turning to ensure their safety.
- Know the speed limits: Brantford has varying speed limits on its roads and highways. Make sure to obey posted speed limits and adjust your speed according to weather and traffic conditions.
What are the Most Dangerous Intersections in Brantford?
Based on the latest available data from the City of Brantford’s collision database, here are some of the most dangerous intersections in Brantford, Ontario, based on the number of collisions reported:
- Wayne Gretzky Parkway and Lynden Road – 25 collisions reported
- Wayne Gretzky Parkway and Colborne Street East – 20 collisions reported
- Wayne Gretzky Parkway and Henry Street – 19 collisions reported
- King George Road and Colborne Street East – 14 collisions reported
- Wayne Gretzky Parkway and Powerline Road – 14 collisions reported
- King George Road and Wayne Gretzky Parkway – 13 collisions reported
- Colborne Street East and Clarence Street South – 11 collisions reported
- Colborne Street East and Wayne Gretzky Parkway – 11 collisions reported
- Colborne Street West and Dalhousie Street – 10 collisions reported
- Colborne Street West and West Street – 10 collisions reported
Total Reportable Collisions in Brantford
According to the City of Brantford’s collision database, here are the total reportable collisions in Brantford from 2013 to 2021:
- 2013: 2,402
- 2014: 2,216
- 2015: 2,264
- 2016: 2,450
- 2017: 2,481
- 2018: 2,506
- 2019: 2,365
- 2020: 2,197
- 2021: Data not yet available
About the Author: Valerie D. Hahn
Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.
