Belleville Car Insurance at a Glance
| Average annual premium: | $1,770 |
| YoY city rate change: | +3.5% |
| Average monthly premium: | $148 |
| Belleville premium vs. Ontario average: | -17.0% less expensive |
| Cheapest postal code: | K8R ($1,742) |
| Most expensive postal code: | K8N ($1,823) |
| Maximum savings with MyChoice: | $1,010 |
Quote data from MyChoice.ca, May 2026
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 | $790 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $980 |
| Coverage Total: | $1,770 |
Quote data from MyChoice.ca, May 2026
*Starting July 1st, 2026, Ontario is splitting Accident Benefits into mandatory and optional components. Income replacement, caregiver benefits, and death benefits are no longer automatically included. Your policy will auto-renew with your current coverage, but if you’re buying a new policy after July 1, you’ll need to actively choose these add-ons.
Mandatory Coverages:
The coverages below are mandatory in Belleville and will always be included in a standard car insurance quote.
| 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 | $247 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault | $529 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage | $14 |
| Coverage Total: | $790 |
Quote data from MyChoice.ca, May 2026
Highly Recommended Coverages:
Any of the highly recommended coverages listed below for Belleville may be removed from your quote. However, we strongly recommend keeping them to ensure adequate protection.
| 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. | $434 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $265 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $191 |
| 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. | $22 |
| OPCF 27: Rental Vehicle | Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them. | $23 |
| 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. | $26 |
| OPCF 43: Waiver of Depreciation | Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off. | $2 |
| Coverage Total: | $980 |
Quote data from MyChoice.ca, May 2026
How Belleville Car Insurance Rates Compare to Nearby Cities
Belleville has the highest car insurance rates compared to nearby Eastern Ontario cities. Here’s how they compare:
| City | Average Annual Car Insurance Premium | Difference from Belleville Premium |
|---|---|---|
| Belleville, ON | $1,770 | – |
| Kingston, ON | $1,738 | -1.8% |
| Peterborough, ON | $1,739 | -1.8% |
| Brockville, ON | $1,670 | -5.6% |
| Cornwall, ON | $1,528 | -13.7% |
| Ottawa, ON | $1,680 | -5.1% |
Quote data from MyChoice.ca, May 2026
Cheapest Postal Codes to Insure a Car 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 | $1,742 |
Quote data from MyChoice.ca, May 2026
Most Expensive Postal Codes to Insure a Car in Belleville
The K8N area of Belleville has higher rates than the city average. Here’s a price breakdown:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| K8N | $1,823 |
Quote data from MyChoice.ca, May 2026
Accident Rates by Postal Code in Belleville
Not all parts of Belleville have the same accident risk, and your postal code is one of the main factors insurers use to set your premium. The map below shows the percentage of drivers who have been in an accident across Belleville’s postal codes, based on over 50,000 quotes analyzed by MyChoice.
Source: MyChoice Quote Database
On average, 12.0% of Belleville drivers have an accident on their record, but that varies by area, from as low as 9.0% in some areas to 15.0% in others.
Areas with the highest accident rates:
- K8N — Downtown Belleville / East Hill: 15.0% of drivers have an accident on record
- K8R — West Belleville / Sidney: 11.9%
Areas with the lowest accident rates:
- K8P — Thurlow / Belleville South: 9.0%
Drivers in Downtown Belleville (K8N) are over 1.5x more likely to have an accident on their record than drivers in Thurlow (K8P).
Car Insurance Cost in Belleville by Age
Age influences your car insurance rates because it can raise or lower accident risk. Drivers under 25 typically pay more due to limited experience, while drivers over 65 see rates rise due to increased injury risk in accidents.
Here’s how your age influences auto insurance rates in Belleville:
| Age | Average Annual Car Insurance Premium | Annual Savings with MyChoice |
|---|---|---|
| 18–20 | $5,080 | $1,010 |
| 21-24 | $2,620 | $521 |
| 25–34 | $2,018 | $401 |
| 35-44 | $1,770 | $352 |
| 45-54 | $1,505 | $299 |
| 55-64 | $1,398 | $278 |
| 65+ | $1,434 | $285 |
Quote data from MyChoice.ca, May 2026
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 | $1,770 |
| Insurance cancellation due to non-payment | $2,461 |
| Licence suspension for alcohol-related offences | $1,858 |
| One at-fault accident | $3,469 |
| Minor speeding ticket | $2,142 |
Quote data from MyChoice.ca, May 2026
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 |
|---|---|
| Honda Civic | $1,896 |
| Toyota Corolla | $1,731 |
| Toyota RAV4 | $1,934 |
| Honda CR-V | $2,052 |
| Hyundai Elantra | $1,970 |
| Tesla Model 3/Y | $2,078 |
| Mazda CX-5 | $1,881 |
| Nissan Rogue | $1,691 |
| Ford Escape | $1,408 |
| Toyota Camry | $1,669 |
| Honda Accord | $1,964 |
| Chevrolet Equinox | $1,542 |
| Hyundai Tucson | $1,850 |
| Subaru Forester | $1,555 |
Quote data from MyChoice.ca, May 2026
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
- 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
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: 834 mm
- Average annual snowfall: 150.2 cm
- Rainy days per year: 118 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.
- Time spent in traffic annually: The average Belleville resident spends 36 minutes in traffic daily, totalling roughly 150 hours per year.
- Busiest highways: Belleville is one of the exits on Highway 401, which sees over 500,000 vehicles daily.