Affordable Car Insurance in Belleville from $109/month

How Does Car Insurance Work in Belleville?

Car insurance is mandatory in Ontario, but it’s important to understand the factors that influence your insurance premium and the types of coverage you should consider.

Below is a breakdown of what’s included in your car insurance package in Belleville when you get a quote with MyChoice, categorized by mandatory and highly recommended coverages. Together, the mandatory and recommended coverage premiums reflect the average car insurance cost in Belleville referenced above.

Coverage Type	What’s Included	Average Annual Car Insurance Premium
Mandatory	– Third-Party Liability – Accident Benefits – Uninsured Automobile	$737
Highly Recommended	– Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43	$916
Coverage Total:		$1,652

Mandatory Coverages

Coverage Type	Coverage Details	Average Annual Car Insurance Premium
Third-Party Liability	Protects you if you injure someone or damage property while driving, and covers legal costs if you’re sued	$230
Accident Benefits	Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault	$494
Uninsured Automobile	Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage	$13
Coverage Total:		$737

*The above coverages are mandatory in Belleville and will always be included in a standard car insurance quote.

Highly Recommended Coverages

Coverage Type	Coverage Details	Average Annual Car Insurance Premium
Direct Compensation: Property Damage	Covers damage to your own vehicle if you’re not at fault in an accident with another insured driver in Ontario.	$406
Collision	Covers your vehicle if you hit another car or object and you’re found at fault.	$247
Comprehensive	Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather.	$178
OPCF 20: Loss of Use	Pays for rental or other transportation if your car is out of service after an at-fault accident or comprehensive claim.	$21
OPCF 27: Rental Vehicle	Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them.	$21
OPCF 44R: Family Protection	Covers you and your family if you’re hit by an uninsured, underinsured, or hit-and-run driver and their coverage isn’t enough.	$17
OPCF 39: Accident Forgiveness	Prevents your insurance premiums from increasing after your first at-fault accident, as long as you stay with the same insurer.	$24
OPCF 43: Waiver of Depreciacion	Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off.	$2
Coverage Total:		$916

*Any of the above highly recommended coverages in Belleville may be removed from your quote, but we strongly recommend keeping them to have adequate protection.

Most Expensive Postal Codes in Belleville

At $1,652/year, the average car insurance rate in Belleville is around $200 cheaper than Ontario’s provincial average of $1,874/year. However, the K8N area of Belleville has higher rates than the city’s average.

Here’s a price breakdown for the most expensive area for auto insurance in Belleville:

Postal Code	Average Annual Car Insurance Premium
K8N	$1,793

Least Expensive Postal Codes in Belleville

As with most cities, Belleville also has some areas with cheaper insurance rates than the city average – in this case the K8R area.

Postal Code	Average Annual Car Insurance Premium
K8R	$1,512

How Belleville Car Insurance Rates Compare to Nearby Cities

Belleville’s car insurance rates are some of the highest in the region. You can see how they compare to some of the neighbouring cities in the table below.

City	Average Annual Car Insurance Premium
Belleville, ON	$1,652
Kingston, ON	$1,581
Peterborough, ON	$1,584
Cornwall, ON	$1,381
Brockville, ON	$1,529
Toronto, ON	$2,231

Car Insurance Cost in Belleville by Age

Age influences your car insurance rates because it can raise or lower accident risk. Young people under 25 usually pay more because they’re inexperienced drivers, while old people over 65 pay more because they’re more likely to get seriously injured or die in accidents.

Here’s how your age influences auto insurance rates in Belleville:

Age	Average Annual Car Insurance Premium	Average Savings with MyChoice
18–20	$4,741	$943
21–24	$2,445	$486
25–34	$1,883	$375
35–44	$1,652	$329
45–54	$1,404	$279
55–64	$1,305	$260
65+	$1,338	$266

Car Insurance Cost in Belleville by Driving History

Driving history impacts auto insurance premiums because insurance companies use it to gauge your accident risk. Drivers with many violations on record pay more for insurance because they’re more likely to re-offend, while safe drivers pay less because they’re less likely to get in an accident.

Traffic violations and demerits in Ontario “reset” after two years, but insurance companies can check your driving record as far as 10 years back.

Here’s a look at how different traffic offences influence car insurance rates:

Driving Violation	Average Annual Car Insurance Premium
Clean driving record	$1,652
Insurance cancellation due to non-payment	$2,296
Licence suspension for alcohol-related offences	$1,735
One at-fault accident	$3,238
Minor speeding ticket	$1,999

Car Insurance Cost in Belleville by Vehicle Model

Below is a breakdown of the estimated insurance costs for various car models in Belleville. This should give you an idea of what you can expect to pay for car insurance based on the vehicle model you drive.

Car Model	Average Annual Car Insurance Premium
Toyota	$1,739
Subaru	$1,434
Kia	$1,511
Hyundai	$1,666
BMW	$1,923
Mercedes	$1,637
Audi	$2,054
Mazda	$1,540
Volkswagen	$1,520
Nissan	$1,674

The Best Car Insurance Brokerages in Belleville

Car insurance brokers assist your search for the best policy by comparing insurers and answering questions. Here are several Belleville brokers that can assist you when looking for auto insurance:

Brokerage	Address	Phone Number
Mackay Insurance Brokers Inc	211 Dundas St E, Belleville ON K8N 1E2, Canada	+16139665740
McDougall Insurance & Financial	199 Front St #218, Belleville ON K8N 5H5, Canada	+16139667001
Allen Insurance Group	123 College St W, Belleville ON K8P 2G3, Canada	+16139665586

Driving in Belleville

The city of Belleville offers a charming blend of rural and urban areas. With its relatively low housing prices and diverse population, this picturesque city is popular with families and businesses.

What’s driving in Belleville like? Check out the key facts about driving in the city:

• Major highways in Belleville: 2, 401, 37, 62
• Public transit options: Belleville Transit (bus)
• Ridesharing services: Uber, Lyft
• Parking space providers: The City of Belleville, private lots
• Top tourist attractions: Tyendinaga Cavern and Caves, Zwick Centennial Park, Grills Orchards, Vanderwater Conservation Area, Boretski Gallery
• Busy intersections: Franklin Avenue and Joralemon Street, Franklin Avenue and Mill Street/Park Drive
• Airports: Belleville Aerodrome

Main Mode of Commuting in Belleville

Like most small towns, Belleville commuters mostly prefer traveling by car. This is backed up by the data that shows 88.5% of Belleville commuters use cars to get to work. Walking is the second-most popular option, making up 5.7% of the town’s commuter base. Here’s a closer look at how Belleville’s commuters travel:

Main mode of commuting	Counts	Rates
Total – 25% Sample Size	18,805	100.0
Car, truck or van	16,640	88.5%
Car, truck or van – as a driver	15,190	80.8%
Car, truck or van – as a passenger	1,450	7.7%
Public transit	620	3.3%
Walked	1,080	5.7%
Bicycle	140	0.7%
Other method	335	1.8%

Commuting Duration in Belleville

Belleville is a small town, so commute times are relatively short. Nearly half of the town’s commuters spend less than 15 minutes getting to work. People who spend over 30 minutes on their commute are few and far between, only making up 20% of all Belleville’s commuters. Here’s a closer look at the commuting duration in Belleville:

Commuting duration	Counts	Rates
Total – 25% Sample Size	18,805	100.0
Less than 15 minutes	9,285	49.4%
15 to 29 minutes	6,070	32.3%
30 to 44 minutes	2,100	11.2%
45 to 59 minutes	585	3.1%
60 minutes and over	8,775	4.1%

Driving Conditions in Belleville

Weather conditions like rain, hail, and snow affect auto insurance premiums because they influence your driving risk. Here’s an overview of the driving conditions in Belleville:

• Average daily commute time: 36 minutes round trip
• Average annual rainfall: 49.58 mm
• Average annual snowfall: 36.16 mm
• Rainy days per year: 145 days
• Rainiest month in Belleville: October
• Driest months in Belleville: February
• Snow days per year: 48 days
• Snowfall months in Belleville: October – April

Traffic in Belleville

Belleville is a small town with around 50,000 residents. Traffic here may not be as intense as in big cities like Toronto, but it’s still good to know the key traffic stats. 

Here are some of the most important traffic facts in Belleville:

• Population: 50,716 people live within Belleville’s city limits.
• City area: Belleville’s city area spans 247.21 km².
• Average commute distance: The average Belleville resident travels x km to their workplace or school. 
• Time spent in traffic annually: The average Belleville resident spends 36 minutes in traffic daily, totalling roughly 219 hours per year.
• Busiest highways: Belleville is one of the exits on Highway 401, which sees over 500,000 vehicles daily.

The Most Common Questions About Car Insurance in Belleville