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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on May 15, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated May 15, 2024

Visit author page

3 minute read

Article Contents

Quick Facts About Auto Insurance in Belleville

  • Belleville car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Belleville for a driver with comprehensive/collision coverage and a clean record is around $1,239.
  • Comparing Belleville auto insurance quotes with MyChoice can save you up to $880 annually.

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:

BrokerageAddressPhone Number
Mackay Insurance Brokers Inc211 Dundas St E, Belleville
ON K8N 1E2, Canada
+16139665740
McDougall Insurance & Financial199 Front St #218, Belleville
ON K8N 5H5, Canada
+16139667001
Allen Insurance Group123 College St W, Belleville
ON K8P 2G3, Canada
+16139665586

Most Expensive Postal Codes in Belleville

At $1,239/year, the average car insurance rate in Belleville is around $450 cheaper than Ontario’s provincial average of $1,673/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 CodeAverage Annual Car Insurance Premium
K8N$1,322

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 CodeAverage Annual Car Insurance Premium
K8R$1,115

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:

AgeAverage Annual RatesAverage Savings with MyChoice
18-20$4,423$880
21-24$2,528$503
25-34$1,685$335
35-44$1,239$246
45-54$1,016$202
55-64$864$172
65+$984$196

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 ViolationAverage Annual Car Insurance Premium
Clean driving record$1,239
Insurance cancellation due to non-payment$2,032
Licence suspension for alcohol-related offences$1,487
One accident$2,726
Speeding ticket$1,611

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 commutingCountsRates
Total – 25% Sample Size18,805100.0
Car, truck or van16,64088.5%
Car, truck or van – as a driver15,19080.8%
Car, truck or van – as a passenger1,4507.7%
Public transit6203.3%
Walked1,0805.7%
Bicycle1400.7%
Other method3351.8%

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 durationCountsRates
Total – 25% Sample Size18,805100.0
Less than 15 minutes9,28549.4%
15 to 29 minutes6,07032.3%
30 to 44 minutes2,10011.2%
45 to 59 minutes5853.1%
60 minutes and over8,7754.1%

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

How much does Belleville car insurance cost?

Car insurance in Belleville costs $1,239/year.

Does my Belleville car insurance work in the US?

Belleville car insurance policies also work in the US because both countries share a similar legal system. However, ensure you double-check with your insurer before travelling.

How can you get cheap car insurance in Belleville?

Compare car insurance rates in Belleville with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.

Sources

1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, Belleville, Car Insurance Quotes Collected, 2023.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, Belleville, Car Insurance Quotes Collected, 2023.

3. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, Belleville, Car Insurance Quotes Collected, 2023.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, Belleville, Car Insurance Quotes Collected, 2023.

5. City of Belleville Website, Driving & Transit Information. Data Collected, 2023.

6. Statistics Canada, 2021, Census of Population, Ontario, Belleville, Main Mode of Commuting. Data Published March 29, 2023.

7. Statistics Canada, 2021, Census of Population, Ontario, Belleville, Commuting Duration. Data Published March 29, 2023.

8. Weather Network Canada, Historical Averages, Ontario, Belleville.

9. 511 Ontario Traveller Information, Ontario, Belleville.

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